State Farm vs The Hartford - Which Car Insurance is Best Where You Live?

State Farm and The Hartford are both solid car insurance companies, but what do consumers have to say about each company? Unbiased third-party surveys such as those provided by J.D.Power can help consumers choose a company based on actual customer opinions.

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State Farm vs The Hartford - the Ratings

  State Farm Ratings The Hartford Ratings
Policy Offerings State Farm Policy Offerings The Hartford Policy Offerings
Pricing State Farm Pricing The Hartford Pricing
Billing and Payment State Farm Billing The Hartford Billing
Contacting the Insurer State Farm Support The Hartford Support
Overall Satisfaction State Farm Satisfaction The Hartford Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

State Farm scored the same as The Hartford on policy offerings. Policy offerings compares the different types of coverages available from each car insurance company. Having better policy offerings means you can get potentially better coverage such as special perils coverage on your home contents or a disappearing deductible on your car insurance.

State Farm and The Hartford Price Comparison

State Farm was rated about the same as The Hartford on insurance prices. That doesn't mean that State Farm will always have identical prices on car insurance than The Hartford, however. Free car insurance quotes from State Farm and The Hartford will help you determine which company offers the best deal.

State Farm vs The Hartford - Which Car Insurance is Best Where You Live?

Since different companies rate drivers in different ways, you need to get a car insurance comparison quote now to find out which company offers the lowest rates in your area. It may be State Farm or The Hartford, or possibly even a different company.

For satisfaction of billing and payment options, State Farm was rated the same as The Hartford. Consumers generally prefer to have more flexible payment options.

Knowing you'll be able to get in touch with your company in case of an accident or claim may give you good peace of mind. Polled policyholders ranked State Farm higher than The Hartford when it comes to being able to contact the company.

Summing it Up

Does more stars actually translate into a better consumer insurance buying experience? According to the ratings results shown above, State Farm received a higher overall satisfaction rating as compared to The Hartford, but deciding on a car insurance company should be based on more than consumer ratings.

Car Insurance Buying Tips

  • If you have an independent insurance agent, have them compare rates with multiple companies
  • Better drivers pay lower car insurance premiums
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it
  • Make sure you compare apples-to-apples coverages