Compare Nationwide vs. The Hartford Insurance

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The Hartford and Nationwide are both top companies in the world of auto insurance. The Hartford was founded in 1810, and Nationwide was founded in 1925. Nationwide is ranked the #2 auto insurer for 2016, with The Hartford ranked #11. Additionally, Nationwide has an excellent vanishing deductible program as well as a fast and fair claims process, while The Hartford offers a tremendous amount of additional discounts and benefits to AARP members, and has excellent claims services. However, The Hartford lacks 24-hour customer support, and Nationwide’s online and mobile services are subpar. Still, its financial strength ratings are superior to those of The Hartford, but The Hartford has 4 out of 5 stars from J.D. Power. 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

  Nationwide The Hartford
Best If Nationwide
  • You want a fast and fair claims process
The Hartford
  • You’re also an AARP member
Worst If Nationwide
  • You want strong online or mobile services
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Nationwide The Hartford
Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means transferring all the mail, bills, or documents you’d otherwise receive in the mail over to e-mail. It’s a convenient way to save paper and keep better track of your important insurance documents. Read more about this discount here.

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 Nationwide The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Nationwide 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 Nationwide The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Nationwide The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Nationwide The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Nationwide The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Nationwide Car Insurance The Hartford Car Insurance
2016 53 30
2015 112 72
2014 90 69
2013 134 67

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Nationwide Car Insurance The Hartford Car Insurance
A.M. Best A+ A
Moody's A1 A2
S&P's A+ A

Mobile Apps

Nationwide The Hartford
Nationwide

The Nationwide Mobile App allows you to pay your bills, file or view a claim, get in touch with your agent, and much more all with a single touch. To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts and lets you stay on top of your insurance related finances. From the comfort of your home or convenience of your phone you can deposit checks or pay insurance bills. For more information and to download the Mobile Banking App, click 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

Nationwide The Hartford
Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy, regardless of who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Nationwide’s Roadside Emergency Service is available by calling 1 (800) 421-3535. Its roadside service website is here. This service can help if: you’re locked out, you need a jumpstart, you get a flat tire, you need gas delivered, or if need a tow.

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.