Compare USAA vs. The Hartford Insurance

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The Hartford and USAA are both top-rated companies in the insurance world. The Hartford was founded in 1810, and USAA was founded in 1922. USAA has one of the highest customer satisfaction ratings in the insurance industry, with top financial strength ratings and 5 out of 5 stars from J.D. Power. On the flip side, The Hartford offers excellent claims support and has a wide range of discounts for AARP members, and also has excellent financial strength ratings and 4 out of 5 stars from J.D Power. However, The Hartford lacks 24-hour support, and USAA only offers its services to military personnel and their immediate families. 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

  USAA The Hartford
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
The Hartford
  • You’re also an AARP member
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance The Hartford Car Insurance
2016 245 30
2015 415 72
2014 380 69
2013 270 67

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

USAA The Hartford
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. 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

USAA The Hartford
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

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.