American Family vs. The Hartford Car Insurance [2021]

In a comparison of American Family vs. The Hartford car insurance, The Hartford swept the competition. The Hartford offers more affordable rates than American Family. Furthermore, The Hartford offers a few more discounts than American Family. Lastly, The Hartford is more well-reviewed by A.M. Best than American Family. Don't decide to buy American Family vs. The Hartford until you compare rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 2, 2021

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Here's What You Need to Know

  • The Hartford is more affordable than American Family auto insurance
  • The Hartford offers more discounts than American Family Insurance
  • A.M. Best gave a higher rating to The Hartford

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. We will be focusing on American Family vs. The Hartford today.

Our American Family and The Hartford (AARP) car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into American Family vs. The Hartford car insurance rates comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area.

American Family vs. The Hartford: Which company offers more affordable car insurance rates?

The simplest place to start when pitting two companies together is pricing. Next, let’s look at a table that compares monthly car insurance rates for liability-only coverage.

Average Monthly Liability-Only Auto Insurance Rates
CompanyAverage Monthly Rates, Liability-Only
American Family$50
Ameriprise$110
Esurance$135
MetLife$69
Safe Auto$115
Safeco$40
The General$35
The Hanover$116
The Hartford$45
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How easy is it to find affordable American Family vs. The Hartford car insurance quotes? As you can see, this basic coverage is $5 cheaper per month with The Hartford.

Now that we know The Hartford is cheaper, perhaps American Family offers more discounts to make up for it.

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Which company offers more discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Next, let’s take a look at a table that shows discounts available from major insurers including American Family and The Hartford.

American Family vs. The Hartford Discounts
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
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As you can see, American Family offers six of this list’s discounts. This includes a 30% discount for having passive restraint in your vehicle. What’s great is that you can add discounts to your policy later by using your American Family login information on the app.

The The Hartford car insurance discounts include adaptive headlights, anti-lock brakes, anti-theft devices, daytime running lights, passive restraint, having a newer vehicle, etcetera.

How can you access these discounts? Many can be accessed via your The Hartford login information on the app.

Now that we know The Hartford offers cheaper rates and more discounts, let’s wrap up with American Family and The Hartford reviews to see if it can be a landslide.

American Family vs. The Hartford: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

American Family received a rating of “A” (Excellent), which is the second-highest of seven rating tiers.

How did The Hartford fare in comparison? It received an even better rating of “A+” (Superior). In short, it was a landslide victory for The Hartford.

We hope you’ve learned all you needed to decide whether to buy American Family vs. The Hartford car insurance. Type your ZIP code into our free and helpful tool below to find affordable car insurance quotes in your area.

Frequently Asked Questions:

What follows is a question frequently asked about these two companies.

#1 – What is The Hartford’s claims number?

This number is 800-243-5860.

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