GEICO vs. The Hartford Car Insurance [2021]

This Geico vs. The Hartford car insurance review will cover Geico vs. The Hartford car insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance car insurance rates from the best car insurance companies in your locale, enter your ZIP code below.

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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: Dec 1, 2020

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Geico vs. The Hartford Car Insurance Summary
SummaryGeico StatsThe Hartford Stats
Year Founded19361810
Headquarters5260 Western Avenue Chevy Chase, MD 20815One Hartford Plaza Hartford, CT 06155
AvailabilityAll StatesAll States
Direct Premium Written$6.3 billion$652.8 million
Market Share13.00%0.04%
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Geico and The Hartford are two affordable insurance companies, but our Geico vs. The Hartford car insurance guide will distinguish between the two companies.

Geico insurance is known for its overall cheap rates, while The Hartford insurance is known for its service to seniors. Both companies offer affordable service, but we’ll start to break down car insurance rates, discounts, coverage, and ratings.

If you want to find car insurance outside of Geico and The Hartford, enter your ZIP code in our FREE online quote tool above to start shopping for cheap car insurance in your area.

Geico vs. The Hartford: Comparing Car Insurance Rates

The Hartford offers car insurance across the United States like Geico, but the company is very reserved for car insurance quotes. While Geico quotes are available for reviews across the internet, The Hartford has relied on statistical rates from insurance data. Is there car insurance cheaper than Geico?

Continue reading the sections below to see more of Geico and Hartford car insurance reviews.

Geico vs. The Hartford: Which is the cheapest by the state?

The Hartford has the minimum coverage limits listed on their website, but they don’t list sample rates for potential customers. Hartford insists that you use its quote calculator tool to find car insurance rates in each respective state.

Geico and The Hartford are available in all 50 states.

Geico car insurance, on the other hand, has sample rates listed all over the web. To see Geico’s average annual rates, visit our Geico Car Insurance Review for more details.

Geico vs. The Hartford: Which is cheapest by driving record?

Maintaining a clean driving record could save you hundreds of dollars on car insurance. However, sometimes we make mistakes behind the wheel. Mistakes often lead to violations, which increase your auto insurance policy.

The sub-sections below will explore how speeding tickets, car accidents, and DUIs affect your car insurance.

Rates With One Speeding Ticket

Let’s compare car insurance rates that are affected by one speeding ticket.

Geico vs. The Hartford Average Annual Car Insurance Rates with One Speeding Ticket
Driving ViolationGeico Average Annual Car Insurance Rate with One Speeding TicketThe Hartford Average Annual Car Insurance Rate with One Speeding Ticket
Speeding ticket$1,395N/A
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Geico’s average annual rate is $1,198 per year. After one speeding ticket, it increases to about $1,400. The Hartford doesn’t have any available rates.

Rates With One Car Accident

Did you know you have an insurance credit history? An insurance credit history is recorded by the Comprehensive Loss Underwriting Exchange (C.L.U.E.) Inc. Unpaid premiums, frauds, and accidents are recorded and collected in their database.

Accidents remain on the C.L.U.E. database for five to eight years.

Here’s a look into how accidents affect auto insurance.

Geico vs. The Hartford Average Annual Car Insurance Rates with One Accident
Driving ViolationGeico Average Annual Car Insurance Rate with One AccidentThe Hartford Average Annual Car Insurance Rate with One Accident
Accident$1,719N/A
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The Hartford doesn’t have rates listed, but Geico does. Your Geico insurance can increase to about $500 with a car accident on your driving record.

Rates With One DUI

DUIs create the most problems for your car insurance. Not only does a DUI stay on your record for 10 years, but it can also increase your auto insurance by thousands of dollars.

Let’s look at how DUIs affect your insurance.

Geico vs. The Hartford Average Annual Car Insurance Rates with One DUI/DWI
Driving ViolationGeico Average Annual Car Insurance Rate with One DUI/DWIThe Hartford Average Annual Car Insurance Rate with One DUI/DWI
DUI/DWI$2,550N/A
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Geico’s car insurance increases by $1,300 if you have a DUI on your driving record. The Hartford continues to stay quiet about sample quotes.

Geico vs. The Hartford: What is cheapest by age and gender?

In some states, it’s illegal to use gender to determine car insurance. Here are the following states that outlawed gender-based auto insurance.

  • California
  • Hawaii
  • Massachusetts
  • Michigan (added in 2020)
  • Montana
  • North Carolina
  • Pennsylvania

A total of 43 other states are legally allowed to use your gender to determine car insurance. Here are some standard rates from Geico and The Hartford.

Geico vs. The Hartford Average Annual Car Insurance Rates Based on Age and Gender
Age, Gender, and Marital StatusGeico Average Annual Car Insurance RatesThe Hartford Average Annual Car Insurance Rates
Married 35-year-old female$2,303N/A
Married 35-year-old male$2,312N/A
Married 60-year-old female$2,241N/A
Married 60-year-old male$2,283N/A
Single 17-year-old female$5,654N/A
Single 17-year-old male$6,279N/A
Single 25-year-old female$2,379N/A
Single 25-year-old male$2,263N/A
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Married drivers and senior drivers pay the least for auto insurance rates. Even though The Hartford doesn’t show its rates, car insurance rates will likely be cheaper due to the majority of its senior policyholders.

The Hartford only offers insurance to AARP members.

Teen drivers have the most expensive rates. Watch this video to learn how you can save money on teen car insurance.

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Geico vs. The Hartford: Which is the cheapest by credit score?

According to the Federal Trade Commission, you can receive cheaper rates because of a good credit score. Insurance companies believe there’s a correlation to a credit score and chances to file a claim. Therefore, those with good or excellent credit are less likely to file a claim.

Look at these average annual rates and see how they’re affected by credit score.

Geico vs. The Hartford Average Annual Car Insurance Rates Based on Credit History
CompaniesAverage Annual Car Insurance Rates with Good CreditAverage Annual Car Insurance Rates with Fair CreditAverage Annual Car Insurance Rates with Poor Credit
Geico$2,435$2,987$4,260
The HartfordN/AN/AN/A
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The Hartford may not have any sample rates, but you can bet you can get a good deal on its car insurance policy if your credit score is good. Geico, however, has about a $1,800 difference from good credit to poor credit.

Geico vs. The Hartford: Which is the cheapest by annual mileage?

Annual mileage is the number of miles you’re expected to travel during your policy. Auto insurance companies can determine your number of miles by looking at the purpose of the vehicle.

Cars you use for work commute will produce more on car insurance, while vehicles for weekend commutes have cheaper rates. Here’s a look into auto insurance based on commute mileage.

Geico vs. The Hartford Average Annual Car Insurance Rates Based on Annual Mileage
CompaniesAverage Annual Car Insurance Rates for
10 Miles Commute
6,000 Annual Mileage
Average Annual Car Insurance Rates for
25 Miles Commute
12,000 Annual Mileage
Geico$3,163$3,267
The HartfordN/AN/A
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Geico’s rates don’t increase that much from 6,000 to 12,000 annual mileage. Some companies don’t increase your rates based on annual mileage. Maybe The Hartford doesn’t raise rates based on commute mileage.

Geico vs. The Hartford: Which is cheapest by car make and model?

The make and model of your vehicle can determine your car insurance rates. Review the car insurance rates from Geico and The Hartford to see how much insurance goes up based on vehicle make and model.

Geico vs. The Hartford Average Annual Car Insurance Rates Based on Car Make and Model
Car Make and ModelGeico Average Annual Car Insurance Rates Based on Make and ModelThe Hartford Average Annual Car Insurance Rates Based on Make and Model
Ford F150 Lariat$3,091N/A
Toyota RAV4 XLE$3,092N/A
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Insurance increased by $1,800 when Geico insures the newest Ford F150 and Toyota RAV4.

Geico vs. The Hartford: Which is cheapest by coverage level?

Your coverage limits determine the coverage level. The state minimum coverage limit is the lowest level you can receive, while medium and high coverage levels give higher coverage limits, such as 50/100/50 and 100/300/100.

Geico vs. The Hartford Average Annual Car Insurance Rates Based on Coverage Level
CompanyAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates with High Coverage
Geico$3,002$3,214$3,429
The HartfordN/AN/AN/A
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Geico quotes increase by $200 for each coverage level.

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Geico vs. The Hartford: Ratings and Customer Satisfaction

A review of The Hartford auto insurance company can be difficult without sample rates. Even The Hartford business insurance reviews across the web won’t have any commercial rates.

However, you can find Hartford’s financial ratings and customer reviews everywhere. Continue reading to learn what financial strength agencies and customers are saying about Geico and Hartford.

Geico vs. The Hartford: What are their financial ratings?

Is The Hartford a good auto insurance company? Does Geico have good auto insurance? The answer to both of these is found in the ratings below.

Geico vs. The Hartford Car Insurance Financial Strength Ratings
Financial Strength Ratings AgenciesGeico's Financial Strength RatingsThe Hartford's Financial Strength Rating
A.M. BestA++A++
Moody'sAa1-A2
S&P'sAA+A+
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Both Geico and The Hartford have strong financial outlooks, and they appear to be doing well with meeting obligations to customers. Follow us to the sub-sections to see what these ratings exactly mean.

Geico vs. The Hartford: A. M. Best Ratings

Both Geico and The Hartford have a superior ability to meet obligations to customers.

Geico vs. The Hartford: Moody’s Ratings

According to Moody’s, Geico has the highest quality and carries the lowest level of credit risk. In contrast, The Hartford has an upper-medium quality with a low level of credit risk.

Geico vs. The Hartford: S&P Ratings

Under S&P, Geico has a very strong capacity to meet financial commitments. However, Hartford has a strong ability to meet financial obligations but has a susceptible economic condition.

Geico vs. The Hartford: How do customers rate them?

Customer ratings are another significant factor. Customer reviews are probably the most effective way an insurance company acquires more policyholders.

The reviews listed below show a collective grade from customers. These grades were collected from different agencies through surveys and produced an overall rating for Geico and The Hartford. Let’s look at the customer ratings.

Geico vs. The Hartford Customer Satisfaction Ratings
Customer Satisfaction Ratings AgenciesGeico's Customer Satisfaction RatingsThe Hartford's Customer Satisfaction Ratings
J.D Power Circle Ratings3 out of 54 out of 5
NAIC Claim Index1.470.71
Consumer Reports Reader Score8990
Better Business Bureau (BBB)A+A+
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It’s not certain whether The Hartford has cheaper rates than Geico, but its customer and complaint ratings are better than Geico’s.

Geico vs. The Hartford: J.D. Power Auto Claims

J. D. Power collects information from customers and rates using its Power Circle Ratings. The Hartford is above average, while Geico was rated at about average.

Geico vs. The Hartford: NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) supplies potential customers with a complaint index, which is the rate at which policyholders of insurance companies complain. Hartford’s complaint index is half of the Geico complaint index.

Geico vs. The Hartford: Consumer Reports

Consumer Reports is another agency that collects customer information through studies and surveys. The data is compiled into one final score. The Hartford beat Geico by one point.

Geico vs. The Hartford: Better Business Bureau

As for the BBB, both companies have maintained an “A+” rating from customers.

Geico vs. The Hartford: What is their market share?

Despite having better customer ratings than Geico, The Hartford’s market share isn’t close to 1 percent, but Geico’s market share is 13 percent.

Geico vs. The Hartford: Car Insurance Coverage and Options

Before you make a final decision on what car insurance is best for you, think about the coverages you need. New and financed cars will need full coverage. Look at your options. We’ve explored them in the sections below.

Geico vs. The Hartford: What are their coverage options?

Here are the available coverage options from Geico and The Hartford.

Geico vs. The Hartford Car Insurance Coverage Options
Geico Car Insurance CoveragesThe Hartford Car Insurance Coverages
Bodily Injury LiabilityMedical Payments Coverage
Property Damage LiabilityPersonal Injury Protection
Medical Payments Coverage (MedPay)Collision Coverage
Personal Injury Protection (PIP)Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage (UM/UIM)Full Glass Coverage
Collision CoverageCar Towing Coverage
Comprehensive CoverageRental Car Expense
Emergency Road ServiceBodily Injury Liability
Rental ReimbursementProperty Damage Liability
Mechanical Breakdown InsuranceUninsured/Underinsured Motorist Coverage (UM/UIM)
Personal Umbrella Insurance
Gap Insurance
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You can receive the necessary coverage and other coverages to ensure you have everything you need.

Usage-Based Insurance Programs

Geico has a usage-based insurance program called DriveEasy. This program monitors your driving habits to determine if you’re eligible for a discount for being a safe driver.

Hartford’s usage-based insurance program is called the TrueLane program. Like DriveEasy, TrueLane monitors the driving habits of Hartford’s policyholders.

The difference between the two programs is that DriveEasy uses a smartphone app, while TrueLane requires a telematics device to collect driver data.

Geico vs. The Hartford: What discount do they offer?

Can Geico really save you 15 percent or more on car insurance? Geico’s bread and butter are its discounts. But what about The Hartford? Let’s review the available discounts for both companies.

Geico vs. The Hartford Car Insurance Discounts
DiscountsGeico Car Insurance DiscountsThe Hartford Car Insurance Discounts
Adaptive Cruise Control
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Control
Utility Vehiclexx
Vehicle Recoveryxx
VIN Etching
Lane Departure Warning
Newer Vehiclexx
Green Vehiclex
Forward Collision Warningx
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Emergency Deploymentx
Engaged Couple
Family Legacyx
Family Planx
Farm Vehiclexx
Fast 5
Federal Employeex
Full Paymentxx
Further Educationx
Garaging/Storingx
Good Credit
Good Studentxx
Homeownerxx
Life Insurance
Low Mileagexx
Loyaltyxx
Marriedx
Membership/Groupxx
Militaryx
Military Garaging
Multiple Driversx
Multiple Policiesxx
Multiple Vehiclesxx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupationxx
On Time Paymentsx
Online Shopper
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Recent Retireesx
Renter
Roadside Assistance
Safe Driverxx
Seat Belt Usex
Senior Driverx
Stable Residencex
Students & Alumnix
Switching Provider
Volunteer
Young Driver
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The Hartford has 38 available discounts, but Geico has 32 discounts.

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Geico vs. The Hartford: What is the best car insurance company?

Does Geico or The Hartford have the best auto insurance? Here are a few highlights we found between Geico and The Hartford.

Geico vs. The Hartford Car Insurance Highlights
Geico is Best For…The Hartford is Best For…
Cheap car insuranceDiscounts
Transparent with DiscountsEssential coverage options
Detail coverage optionsGreat customer ratings
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Ultimately, the answer to who is the best company is up to you. You’ve seen what Geico has to offer. The Hartford was more reserved, so you’ll have to get quotes directly from its website, which could take more time in your auto insurance search.

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Average Monthly Car Insurance Rates by State