Compare GEICO vs. The Hartford Insurance

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The Hartford and GEICO are both top-rated companies in the world of auto insurance. The Hartford was founded in 1810, and GEICO was founded in 1936. GEICO was rated the #1 auto insurer for 2016, and offers excellent customer service and a wide selection of driver discounts. Likewise, The Hartford provides a broad range of discounts, and extended discounts to AARP members; moreover, it has excellent claims management and support. However, The Hartford lacks 24-hour customer support, and GEICO is missing some basic coverage options. Still, both companies have great financial strength ratings and J.D. Power scores. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  GEICO The Hartford
Best If GEICO
  • You want great customer service and low premiums
The Hartford
  • You’re also an AARP member
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

GEICO The Hartford
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO The Hartford
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History GEICO The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance The Hartford Car Insurance
2016 144 30
2015 283 72
2014 267 69
2013 188 67

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance The Hartford Car Insurance
Overall Purchase Experience Below average Among the best
Policy Offerings Average Among the best
Pricing Average Among the best
Local Agent Below average Average
Call Center Representative Average Average
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

GEICO Car Insurance The Hartford Car Insurance
Overall Satisfaction Average Above average
First Notice of Loss Above average Above average
Service Interaction Below average Below average
Appraisal Average Average
Repair Process Below average Among the best
Rental Car Experience Among the best Average
Settlement Average Above average

Financial Strength Ratings

GEICO Car Insurance The Hartford Car Insurance
A.M. Best A++ A
Moody's Aa1- A2
S&P's AA+ A

Mobile Apps

GEICO The Hartford
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

GEICO The Hartford
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.