Compare State Farm vs. The Hartford Insurance

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The Hartford and State Farm are both big names in the world of insurance. The Hartford was founded in 1810, and State Farm was founded in 1922. State Farm is rated the #4 auto insurer for 2016, while The Hartford is rated #11. Additionally, State Farm is liked for its competitive discounts and strong online features, and The Hartford is popular for its AARP extended discounts and benefits as well as its excellent claims support services. However, The Hartford lacks 24-hour customer support, while State Farm makes it difficult to retrieve quotes online by requiring personal information. Still, both companies have comparably strong J.D. Power ratings, each having 4 out of 5 stars. 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

  State Farm The Hartford
Best If State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
The Hartford
  • You’re also an AARP member
Worst If State Farm
  • You want mechanical breakdown coverage
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

State Farm The Hartford
State Farm

Commercial Auto Insurance
If you’re a small business owner and have vehicles that you need to keep your business in operation (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you in the event an employee driving one of your business vehicles gets into an accident while making deliveries or running errands.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy basically ensures that should any of your employees use their own cars for business purposes, you personally won’t suffer any financial losses if they have an incident or cause any damage. 

Classic Car Insurance

State Farm provides coverage specifically for customers who own classic or antique vehicles. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The available coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings
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 State Farm The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features State Farm 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 State Farm The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships State Farm The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances State Farm The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts State Farm The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

State Farm Car Insurance The Hartford Car Insurance
2016 105 30
2015 155 72
2014 178 69
2013 135 67

U.S. Auto Insurance Shopping Study (2016)

State Farm Car Insurance The Hartford Car Insurance
Overall Purchase Experience Above average Among the best
Policy Offerings Above average Among the best
Pricing Average Among the best
Local Agent Among the best Average
Call Center Representative -- Average
Insurer Website Average Among the best

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

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

Financial Strength Ratings

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

Mobile Apps

State Farm The Hartford
State Farm

State Farm has not only one, but seven mobile apps for your smartphone or web browser that can be used to manage your insurance policies.

Pocket Agent lets you view your insurance card, file or view a claim, access Roadside Assistance, and connect with your local agent. You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture is powered by Edmunds.com, a reliable car shopping website. The app recognizes any vehicle you take a picture of from the back and then provides all the information and details you want to know about it. From there, you can determine its market value and even locate a nearby dealership, all while getting a State Farm auto insurance quote.

Steer Clear encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback is an app for drivers of all ages looking to improve some of their driving habits that tend to be a bit dangerous. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. From there, the app uses your phone’s accelerometer to measure and score these areas and then provide you with tips based on your results.

Driver Feedback Instructor Edition was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools makes the moving process that much easier. Aside from actually packing your belongings when you move, you can use MoveTools to virtually pack them as well. The app has organization features that let you label your boxes and write down each one’s contents so you can keep track of them during the move.

For more information and to download any of these State Farm mobile apps, 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

State Farm The Hartford
State Farm

State Farm Emergency Road Service

This service can help if you need: mechanical labor, towing, delivery of gas, tire change, battery jump-start, locksmith services, or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. 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.