Farmers vs. The Hartford Car Insurance [2021]

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jan 28, 2021

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The Hartford vs. Farmers Car Insurance Comparison Summary
DetailsFarmersThe Hartford
Year Founded19281810
Headquarters3120 139th Ave., Suite 300
Bellevue, WA 98005
One Hartford Plaza,
Hartford, CT 06155
Available in50 states 50 states
Direct Premiums Written$6,357,987,000 $1,373,987,000
Market Share4.58% 0.93%
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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.

Farmers Average Annual Car Insurance Rates by State
StatesFarmers 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
AlaskaData Not Available
ConnecticutData Not Available
District of ColumbiaData Not Available
DelawareData Not Available
FloridaData Not Available
GeorgiaData Not Available
KentuckyData Not Available
LouisianaData Not Available
MarylandData Not Available
MassachusettsData Not Available
MississippiData Not Available
North CarolinaData Not Available
New HampshireData Not Available
New YorkData Not Available
PennsylvaniaData Not Available
Rhode IslandData Not Available
TexasData Not Available
VirginiaData Not Available
VermontData Not Available
West VirginiaData Not Available
Average U.S. Rates$3,907.99
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Not every state’s average is provided by Farmers, but there are none from The Hartford.

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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.

Farmers Average Annual Car Insurance Rates with One Speeding Ticket
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one speeding violation$4,079.01
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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.

Farmers Average Annual Car Insurance Rates With One At-Fault Accident
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one accident$4,518.73
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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.

Farmers Average Annual Car Insurance Rates Increase With One DUI
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one DUI$4,718.75
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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.

Farmers Average Annual Car Insurance Rates by Age and Gender
DemographicFarmers 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
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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?

Farmers Average Annual Car Insurance Rates By Credit History
Credit HistoryFarmers Average Annual Rates
Good credit$3,677.12
Fair credit$3,899.41
Poor credit$4,864.14
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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 MileageFarmers Average Annual Rates
10 miles commute
6,000 annual mileage
$4,179.32
25 miles commute
12,000 annual mileage
$4,209.22
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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.

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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.

Farmers Average Annual Car Insurance Rates by Vehicle Make and Model
Vehicle Make and ModelFarmers 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
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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?

Farmers Average Annual Car Insurance Rates by Coverage Level
Coverage TypeFarmers Average Annual Rates
Low coverage$3,922.47
Medium coverage$4,166.22
High coverage$4,494.13
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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.

Farmers vs. The Hartford Car Insurance Financial Ratings
Ratings CompaniesFarmers Car Insurance RatingsThe Hartford Car Insurance Ratings
AM BestAA+
S&PAA+
Moody'sA2A1
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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.

Farmers vs The Hartford Car Insurance Customer Satisfaction Ratings
Customer Satisfaction Ratings AgencyFarmers Car Insurance RatingsThe Hartford Car Insurance Ratings
JD PowerAbout AverageAbove Average
NAIC Complaint Index (1 being the market average)0.791.75
Better Business BureauA+A+
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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.

Farmers Vs The Hartford Car Insurance Discounts
Car Insurance Discounts AvailableFarmers Car Insurance DiscountsThe Hartford Car Insurance Discounts
Adaptive Headlightsxx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclexx
Vehicle Recoveryxx
VIN Etchingx
Newer Vehiclexx
Green Vehiclexx
Forward Collision Warningx
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appx
Early Signingxx
Family Planxx
Farm Vehiclexx
Federal Employeex
Full Paymentxx
Garaging/Storingxx
Good Studentxx
Homeownerxx
Low Mileagexx
Loyaltyx
Marriedx
Membership/Groupx
Militaryx
Multiple Driversx
Multiple Policiesxx
Multiple Vehiclesxx
Occupationxx
On Time Paymentsx
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retireesx
Safe Driverxx
Senior Driverxx
Stable Residencex
Switching Providerx
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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.

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Average Monthly Car Insurance Rates by State