Farmers vs. The Hartford Car Insurance Comparison [2024]
Comparing Farmers vs. The Hartford car insurance requires a look at rates, reviews, and more. Farmers car insurance rates are about average, but The Hartford car insurance doesn't offer online rates as it's a much smaller company. Both companies have strong ratings, but the Hartford financial ratings are higher, as are most customer satisfaction ratings. The Hartford does have a higher complaint ratio, however. The best thing to do is shop around and compare.
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Joel Ohman
Certified Financial Planner
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. Joel...
Certified Financial Planner
UPDATED: Nov 27, 2023
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| Details | Farmers | The Hartford |
|---|---|---|
| Year Founded | 1928 | 1810 |
| Headquarters | 3120 139th Ave., Suite 300 Bellevue, WA 98005 | One Hartford Plaza, Hartford, CT 06155 |
| Available in | 50 states | 50 states |
| Direct Premiums Written | $6,357,987,000 | $1,373,987,000 |
| Market Share | 4.58% | 0.93% |
Shopping around is really the best thing you can do to save on your car insurance rates. Perhaps you’ve already begun and want to narrow it down. Two possible insurers you might consider are The Hartford and Farmers.
How do Farmers vs. The Hartford car insurance options compare? Let’s take a look at Farmers vs. The Hartford car insurance rates, financial ratings, and customer satisfaction ratings.
Don’t just compare Farmers vs. The Hartford car insurance quotes. Make sure you shop around with the best auto insurance companies. Just enter your ZIP code to get FREE quotes from multiple insurers right now.
Farmers vs. The Hartford: Comparing Car Insurance Rates
Let’s take a look at car insurance rates for Farmers car insurance versus insurance rates for The Hartford car insurance. We only have car insurance rates for Farmers, so that’s a point for transparency to Farmers.
Farmers vs. The Hartford: Which is cheapest by state?
You can see Farmers car insurance rates by state in the table below.
| States | Farmers Average Annual Rates |
|---|---|
| Iowa | $2,435.72 |
| Maine | $2,770.15 |
| Washington | $2,962.00 |
| Wyoming | $3,069.35 |
| North Dakota | $3,092.49 |
| Minnesota | $3,137.45 |
| Idaho | $3,168.28 |
| Ohio | $3,423.01 |
| Tennessee | $3,430.07 |
| Indiana | $3,437.55 |
| Kansas | $3,703.77 |
| Oregon | $3,753.52 |
| South Dakota | $3,768.80 |
| Wisconsin | $3,777.49 |
| Montana | $3,907.55 |
| Utah | $3,907.99 |
| Nebraska | $3,997.29 |
| Oklahoma | $4,142.40 |
| Alabama | $4,185.80 |
| Arkansas | $4,257.87 |
| Missouri | $4,312.19 |
| New Mexico | $4,315.53 |
| Illinois | $4,605.20 |
| South Carolina | $4,691.85 |
| Hawaii | $4,763.82 |
| California | $4,998.78 |
| Arizona | $5,000.08 |
| Colorado | $5,290.24 |
| Nevada | $5,595.56 |
| New Jersey | $7,617.00 |
| Michigan | $8,503.60 |
| Alaska | Data Not Available |
| Connecticut | Data Not Available |
| District of Columbia | Data Not Available |
| Delaware | Data Not Available |
| Florida | Data Not Available |
| Georgia | Data Not Available |
| Kentucky | Data Not Available |
| Louisiana | Data Not Available |
| Maryland | Data Not Available |
| Massachusetts | Data Not Available |
| Mississippi | Data Not Available |
| North Carolina | Data Not Available |
| New Hampshire | Data Not Available |
| New York | Data Not Available |
| Pennsylvania | Data Not Available |
| Rhode Island | Data Not Available |
| Texas | Data Not Available |
| Virginia | Data Not Available |
| Vermont | Data Not Available |
| West Virginia | Data Not Available |
| Average U.S. Rates | $3,907.99 |
Not every state’s average is provided by Farmers, but there are none from The Hartford.
Farmers vs. The Hartford: Which is cheapest by driving record?
Here, we only have rates from Farmers to compare by driving record. You can see how your rates will rise substantially with just one speeding ticket, car accident, or DUI.
Farmers vs. The Hartford: Rates with One Speeding Ticket
Check out the rate increase for Farmers’ insurance for one speeding ticket.
| Driving Record | Farmers Average Annual Rates |
|---|---|
| Clean record | $3,460.60 |
| With one speeding violation | $4,079.01 |
One speeding ticket raises your rates with Farmers by around 18 percent.
Farmers vs. The Hartford: Rates with One Car Accident
Now let’s take a look at the Farmers rate increase for one car accident.
| Driving Record | Farmers Average Annual Rates |
|---|---|
| Clean record | $3,460.60 |
| With one accident | $4,518.73 |
Your rates can go up by about 31 percent with just one at-fault accident with Farmers.
Farmers vs. The Hartford: Rates with One DUI
Next, check out the rate increase for Farmers’ insurance for one DUI.
| Driving Record | Farmers Average Annual Rates |
|---|---|
| Clean record | $3,460.60 |
| With one DUI | $4,718.75 |
Just one DUI with Farmers can raise your rates around 36 percent.
Farmers vs. The Hartford: Which is cheapest by age and gender?
Farmers has provided its car insurance rates by age and gender, as you can see in the table below.
| Demographic | Farmers Average Annual Rates |
|---|---|
| Married 60-year-old female | $2,336.80 |
| Married 60-year-old male | $2,448.39 |
| Married 35-year-old female | $2,556.98 |
| Married 35-year-old male | $2,557.75 |
| Single 25-year old-female | $2,946.80 |
| Single 25-year old-male | $3,041.44 |
| Single 17-year old-female | $8,521.97 |
| Single 17-year old-male | $9,144.04 |
As with most insurers, younger drivers will pay more for their car insurance.
It’s important to note that it’s illegal in some states to factor your gender into your car insurance rates.
These states include:
- California
- Hawaii
- Massachussetts
- Montana
- North Carolina
- Pennsylvania
But for other states, it’s still legal to charge more because of your gender.
Farmers vs. The Hartford: Which is cheapest by credit score?
What about credit score?
| Credit History | Farmers Average Annual Rates |
|---|---|
| Good credit | $3,677.12 |
| Fair credit | $3,899.41 |
| Poor credit | $4,864.14 |
Your rates with Farmers are around 32 percent higher if you have poor credit vs. a good credit score.
Farmers vs. The Hartford: Which is cheapest by annual mileage?
Your commute length affects how much you’ll pay for your car insurance.
Farmers Average Annual Car Insurance Rates by Commute Length
| Commute Length and Annual Mileage | Farmers Average Annual Rates |
|---|---|
| 10 miles commute 6,000 annual mileage | $4,179.32 |
| 25 miles commute 12,000 annual mileage | $4,209.22 |
A longer commute can cost you less than one percent more. It’s not the biggest factor, but you will pay a little more if you drive a lot of miles.
Farmers vs. The Hartford: Which is cheapest by car make and model?
The make and model of your vehicle affect your car insurance rates as well. It costs more to fix newer and more expensive vehicles, so your insurer will take that into account.
| Vehicle Make and Model | Farmers Average Annual Rates |
|---|---|
| 2015 Toyota RAV4: XLE | $3,728.22 |
| 2018 Toyota RAV4: XLE | $3,769.00 |
| 2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $4,093.50 |
| 2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $4,390.19 |
| 2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT | $4,405.21 |
| 2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT | $4,779.51 |
Once again, we only have Farmers’ insurance rates for this, but you can see the difference for vehicles in the table above.
Farmers vs. The Hartford: Which is cheapest by coverage level?
How much does car insurance cost by coverage level?
| Coverage Type | Farmers Average Annual Rates |
|---|---|
| Low coverage | $3,922.47 |
| Medium coverage | $4,166.22 |
| High coverage | $4,494.13 |
It may go without saying, but you’ll pay more for your insurance premium if you opt for a higher level of coverage. Farmers’ rates are fairly reasonable across the board for different coverage levels.
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Farmers vs. The Hartford: Ratings and Customer Satisfaction
If you’re going to entrust your money to a company, you’ll want to make sure that it is financially stable and committed to helping you when you need it. Let’s look at customer satisfaction ratings, financial strength, and more.
Farmers vs. The Hartford: What are their financial ratings?
How strong are Farmers and The Hartford financially? Companies such as A.M. Best are there to objectively rate them. This video goes over A.M. Best’s ratings.
Let’s take a closer look at A.M. Best, Moody’s, and Standard and Poor’s ratings below.
| Ratings Companies | Farmers Car Insurance Ratings | The Hartford Car Insurance Ratings |
|---|---|---|
| AM Best | A | A+ |
| S&P | A | A+ |
| Moody's | A2 | A1 |
The Hartford has better ratings across the board over Farmers.
Farmers vs. The Hartford: How do customers rate them?
What about customer satisfaction? Take a look at the table below where you can see that both companies score an A+ with the Better Business Bureau.
| Customer Satisfaction Ratings Agency | Farmers Car Insurance Ratings | The Hartford Car Insurance Ratings |
|---|---|---|
| JD Power | About Average | Above Average |
| NAIC Complaint Index (1 being the market average) | 0.79 | 1.75 |
| Better Business Bureau | A+ | A+ |
The Hartford has a better score with J.D. Power, which ranks customer satisfaction. However, it also has a higher complaint index, meaning customers of The Hartford file more complaints than Farmers’ customers.
Farmers vs. The Hartford: What is their market share?
Farmers is a much larger car insurance company, with a market share of 4.58 percent.
The Hartford is much smaller with a market share of 0.93 percent.
Farmers vs. The Hartford: Car Insurance Coverage and Options
What services are offered by Farmers and The Hartford?
Farmers vs. The Hartford: What are their coverage options?
The Hartford offers personal injury protection (PIP), comprehensive and collision insurance, basic liability, rental reimbursement, full glass coverage, uninsured motorist coverage, and more.
Farmers Insurance offers many car insurance options, including traditional auto, as well as other coverages like home, life, business, renters, condo insurance, and more.
Usage-Based Insurance Programs
The Hartford offers the TrueLane service, which can score you a discount of up to 25 percent.
Farmers offers the Signal® app, which can save you up to 15 percent.
Farmers vs. The Hartford: What discounts do they offer?
Car insurance discounts are a great way to save money on your premium. Let’s see what these two companies offer.
| Car Insurance Discounts Available | Farmers Car Insurance Discounts | The Hartford Car Insurance Discounts |
|---|---|---|
| Adaptive Headlights | x | x |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | |
| Utility Vehicle | x | x |
| Vehicle Recovery | x | x |
| VIN Etching | x | |
| Newer Vehicle | x | x |
| Green Vehicle | x | x |
| Forward Collision Warning | x | |
| Claim Free | x | x |
| Continuous Coverage | x | x |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | x | |
| Early Signing | x | x |
| Family Plan | x | x |
| Farm Vehicle | x | x |
| Federal Employee | x | |
| Full Payment | x | x |
| Garaging/Storing | x | x |
| Good Student | x | x |
| Homeowner | x | x |
| Low Mileage | x | x |
| Loyalty | x | |
| Married | x | |
| Membership/Group | x | |
| Military | x | |
| Multiple Drivers | x | |
| Multiple Policies | x | x |
| Multiple Vehicles | x | x |
| Occupation | x | x |
| On Time Payments | x | |
| Paperless Documents | x | x |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Recent Retirees | x | |
| Safe Driver | x | x |
| Senior Driver | x | x |
| Stable Residence | x | |
| Switching Provider | x |
The Hartford really brings its A-game here. The Hartford offers 38 car insurance discounts, and Farmers Insurance offers 34.
Farmers vs. The Hartford: Which company is the best?
The Hartford is a much smaller car insurance company, but it really holds up well against Farmers. While The Hartford does not provide car insurance rate to compare — points to Farmers for that — it scores better in most of the other metrics.
The Hartford is objectively stronger financially according to ratings from A.M. Best, Standard and Poor’s, and Moody’s.
J.D. Power gives The Hartford a better rating than Farmers for customer satisfaction, but The Hartford does have a customer complaint index significantly higher than the national average.
Why settle for the first car insurance company you come across? There’s more than just Farmers vs. The Hartford auto insurance to compare. It’s better to shop around, and we can help. Enter your ZIP code below to get FREE quotes from multiple insurers.
Frequently Asked Questions
What are some key differences between Farmers and The Hartford car insurance?
While both Farmers and The Hartford offer car insurance coverage, there are some key differences to consider. Farmers is known for its extensive network of agents and personalized customer service, while The Hartford specializes in providing insurance options for drivers aged 50 and older through their AARP partnership.
What types of coverage do Farmers and The Hartford offer?
Both Farmers and The Hartford typically offer standard auto insurance coverage options, including liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. They may also provide optional add-ons such as roadside assistance or rental car reimbursement.
How can I obtain a quote from Farmers or The Hartford?
To obtain a quote from Farmers or The Hartford, you can visit their respective websites, contact their customer service, or reach out to a local agent. You’ll typically need to provide details about your vehicle, driving history, and personal information to receive an accurate quote.
How do I file a claim with Farmers or The Hartford?
In the event of an accident or covered incident, you would typically need to contact the claims department of Farmers or The Hartford. They will guide you through the claims process, which usually involves providing information about the incident and submitting any required documentation.
Which company is better for car insurance: Farmers or The Hartford?
The better car insurance company for you depends on your individual needs, preferences, and circumstances. It’s recommended to obtain quotes, compare coverage options, evaluate customer reviews, and consider factors such as pricing, coverage, discounts, and customer service to determine which company aligns best with your requirements.