Allstate vs. The Hartford Car Insurance Comparison [2024]

When it comes to comparing Allstate vs. The Hartford car insurance, you should choose the company with the best coverage package for your needs. Both have a complete suite of car insurance coverages, but The Hartford caters more toward AARP members. The Hartford has cheaper rates, but Allstate offers better discounts. For example, safe drivers can save up to 20% and teen drivers can save up to 35% with Allstate.

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Brandon Frady

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Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

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Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

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UPDATED: May 5, 2024

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Here's what you need to know...

  • Allstate offers more specialized coverages than The Hartford, but The Hartford is great for AARP members
  • Allstate offers better discounts for drivers of all ages
  • Customers give high ratings for The Hartford claims fulfillment, but both The Hartford and Allstate enjoy above-average customer service ratings

Are you choosing between Allstate vs. The Hartford car insurance? Both have a complete suite of coverages, including basic liability car insurance coverage, but each company offers specialized plans.

On one hand, Allstate may cost you a little more, but it offers more protection and more discounts for drivers of all ages. On the other hand, The Hartford car insurance is great for AARP members.

Read on to learn about the advantages of having affordable Allstate vs. The Hartford car insurance.  To see quotes from top companies, you can enter your ZIP code in our free tool above. You can also check out our The Hartford car insurance review and our Allstate car insurance review for any information that’s not covered here.

How do Allstate vs. The Hartford car insurance rates compare?

Overall, it looks like you may save more with The Hartford based on flat rates. Allstate’s yearly rates for full coverage car insurance average is just under $2,400 a year. The Hartford’s average year rates under at least $100 less than Allstate’s rates.

Take a look at the following rate comparisons for Allstate vs. The Hartford car insurance rates.

Allstate vs. The Hartford Car Insurance Rates

CoverageAllstateThe HartfordNational Average
Minimum (Six Months)$841$372N/A
Medium (Six Months)$940N/A$565
Full (Six Months)$1,190$1,135$837
Minimum (One Year)$1,682$754N/A
Medium (One Year)$1,880N/A$1,056.55
Full (One Year)$2,381$2,270$1,674

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Your rates will vary based on factors like where you live and your driving record.

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What insurance products does Allstate car insurance offer that Hartford Insurance does not?

In short, there are three types of coverage that Allstate insurance offers that The Harford does not:

  • Sound system coverage. Allstate will cover the cost of replacing stolen or damaged audio and video equipment.
  • Car insurance coverage for travel to Mexico. If you are over 21 and your car has U.S. or Canadian license plates, Allstate may cover your car when you drive it to Mexico as a tourist.
  • Rideshare insurance (Allstate Ride for Hire). If you work for a rideshare company, Allstate may fill the gaps in your regular and company coverage while you are on the job.

Drivers can access their Allstate login or The Hartford login, auto insurance policies, and bills via mobile apps. However, Allstate offers two extra services in select states via its Allstate mobile app: Drivewise and Milewise.

What does Hartford car insurance offer that Allstate does not?

Drivers of all ages may purchase The Hartford car insurance. However, the company offers special features for AARP members who are over 50 years old. AARP rates are usually more costly than major insurance providers, so you should consider the insurance pricing for the added protections for seniors.

Through the AARP Auto Insurance Program from The Hartford, members can enjoy coverages that include:

  • RecoverCare. The Hartford may help an AARP member who is injured in a car accident to pay for services like cooking, house cleaning, lawn care, and dog walking (up to $2,500).
  • 24/7 Roadside Assistance. AARP members can use The Hartford’s roadside assistance and towing service, RESCUE-1-800.
  • 24/7 Claims services. AARP members can file a car insurance claim any time — day or night — by calling The Hartford’s special hotline.

Additionally, AARP members who get their car insurance from The Hartford can save up to 10%. On top of that, members can also bundle their home and car insurance, which allows them to save up to 5% on their car insurance.

The Hartford has above-average Customer satisfaction ratings for car and home insurance. The auto policies are offered through AARP and independent agents. AARP offerings are well-suited for car insurance for seniors, and third-party and customer reviews show that AARP provides satisfactory service and claims-processing.

Additional coverage options include: new car replacement coverage, first accident forgiveness, disappearing deductible, deductible waiver for no-fault accidents, deductible reduction.

Read more: Allstate Senior Car Insurance Discounts

Allstate vs. Hartford Insurance: Which car insurance company offers better discounts?

At first glance, Allstate car insurance discounts are better for drivers of all ages. Many of The Hartford car insurance discounts only apply to AARP members, and those discounts are limited in number.

  • Both companies offer diminishing deductibles. However, this is only available for AARP auto insurance members with The Hartford, and it is unclear how much drivers can save. With Allstate, drivers with clean records can save $100 per renewal and up to $500 per year.
  • The Hartford’s accident forgiveness program is only available to AARP auto insurance members in most states. Allstate’s accident forgiveness program is available to good drivers of all ages.
  • Ultimately, Allstate’s multiple policy discount is also available to policyholders of all ages, unlike The Hartford’s discount.

Also, Allstate is more generous with its auto insurance discounts for safe driving, payment, and education.

  • The Hartford offers up to a 5% safe driver discount for drivers who take safe driving courses. Allstate’s Safe Driving club can garner drivers up to a 20% discount.
  • The Hartford and Allstate offer discounts for drivers who pay in full. On the other hand, Allstate also offers discounts for drivers who set up automatic payments or go paperless.
  • Allstate offers discounts for teens and students under 25 years old. For instance, the teenSMART discount saves Allstate customers up to 35%.

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Allstate vs. The Hartford insurance company: Which has the better customer service and financial ratings?

Both Allstate and The Hartford enjoy above-average financial ratings, but The Hartford has the edge in customer service ratings.

  • For 2020, A.M. Best gave both Allstate and The Hartford an A+ (Superior) rating.
  • Allstate also received an A3 rating from Moody’s, an AA- rating from Standard & Poor’s, and an A+ from the Better Business Bureau.
  • Two of The Hartford’s core subsidiaries received an A+ rating from S&P.

In 2020, both Allstate and The Hartford received above-average customer service ratings in a J.D. Power survey.

  • Allstate received 876 out of 1,000 points based on Allstate claims.
  • The Hartford received 888 points from J.D. Power, and it holds a strong 4.8/5 rating from its own customers.

Should you buy Allstate vs. The Hartford car insurance?

To sum up, both Allstate and The Hartford offer complete coverage suites, but Allstate may offer you a little more. If cost is not that much of an issue, Allstate may be your best bet. However, if you are an AARP member, The Hartford offers more savings and special features.

If you would like to know more about Allstate, you can read our Allstate car insurance review. Also, we have an AARP The Hartford auto insurance review if you would like to know more about The Hartford.

Hopefully, you know more about Allstate vs. The Hartford car insurance. Now, you can find quotes from the top companies in your area with our free tool. Just enter your ZIP code to get started.

Frequently Asked Questions

Can I customize my car insurance coverage with Allstate and The Hartford?

Yes, both Allstate and The Hartford allow you to customize your car insurance coverage to meet your specific needs. You can add optional coverages such as comprehensive, collision, rental reimbursement, and more.

Do Allstate and The Hartford offer usage-based insurance programs?

Yes, Allstate offers the Drivewise program, which allows you to earn discounts based on your driving habits. The Hartford offers the TrueLane program, which provides personalized feedback on your driving and potential discounts.

Can I manage my car insurance policy online with Allstate and The Hartford?

Yes, both Allstate and The Hartford offer online account management tools. You can access your policy, view documents, make payments, and perform other policy-related tasks through their respective websites or mobile apps.

Are there any additional benefits or perks offered by Allstate and The Hartford?

Allstate offers features like the Drivewise program and Milewise, which tracks your mileage for potential discounts. The Hartford provides benefits tailored to AARP members, such as RecoverCare and special discounts.

Can I switch my car insurance from Allstate to The Hartford or vice versa?

Yes, you can switch your car insurance coverage from Allstate to The Hartford or vice versa. However, it’s important to consider any cancellation fees or policy terms before making the switch. It’s also a good idea to compare quotes and coverage options to ensure you’re getting the best deal.

Can I get a multi-car discount with Allstate and The Hartford?

Yes, both Allstate and The Hartford offer multi-car discounts. If you have multiple vehicles insured under the same policy or with the same insurer, you may be eligible for a discount on your premiums. Contact each company to inquire about their multi-car discount options.

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