Compare The Hartford vs. MetLife Insurance

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The Hartford and MetLife are two of the oldest and most well known companies in the insurance world. The Hartford was founded in 1810, and MetLife was founded in 1863. The Hartford is well known for its partnership with the AARP, while MetLife is well known for their helpful and knowledgeable representatives.

However, MetLife lacks a good variety of discounts and The Hartford lacks learning resources on their website. Nonetheless, both The Hartford, and MetLife have excellent financial strength ratings and J.D. Power rankings. 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

  The Hartford MetLife
Best If The Hartford
  • You’re also an AARP member
MetLife
  • You want helpful, knowledgeable representatives
Worst If The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

The Hartford MetLife
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
MetLife

The Deductible Savings Benefit can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

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

Consumer Complaint Data

The Hartford Car Insurance MetLife Insurance
2016 30 181
2015 72 333
2014 69 305
2013 67 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

The Hartford Car Insurance MetLife Insurance
A.M. Best A A+
Moody's A2 Aa3
S&P's A A+

Mobile Apps

The Hartford MetLife
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

MetLife

MetLife US App lets you securely access your account in order to report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

The Hartford MetLife
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.

MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.