Compare Progressive vs. The Hartford Insurance

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Which Company Will Save You the Most Money?

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The Hartford and Progressive are both well-known companies in the insurance industry. The Hartford was founded in 1810, and Progressive was founded in 1937. Progressive was rated the #9 auto insurer for 2016, and offers extensive discounts and coverage, as well as a great loyalty-rewards program. Meanwhile, The Hartford is ranked #11, and provides excellent additional discounts for AARP members, and has a fantastic claims support service. However, The Hartford lacks 24-hour customer support, and Progressive has received low customer satisfaction ratings. 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

  Progressive The Hartford
Best If Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
The Hartford
  • You’re also an AARP member
Worst If Progressive
  • You don’t want a lot of solicitations
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Progressive The Hartford
Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click 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 Progressive The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Progressive 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 Progressive The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Progressive The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Progressive The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Progressive The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Progressive Car Insurance The Hartford Car Insurance
2016 77 30
2015 153 72
2014 102 69
2013 34 67

U.S. Auto Insurance Shopping Study (2016)

Progressive Car Insurance The Hartford Car Insurance
Overall Purchase Experience Below average Among the best
Policy Offerings Average Among the best
Pricing Below 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)

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

Financial Strength Ratings

Progressive Car Insurance The Hartford Car Insurance
A.M. Best A+ A
Moody's Aa2 A2
S&P's AA A

Mobile Apps

Progressive The Hartford
Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the 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

Progressive The Hartford
Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.

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.