National General and The Hartford are both companies in the insurance industry that sell coverage throughout the U.S.
The Hartford offers a variety of coverage options through its AARP auto insurance program. You have to be a member of the AARP network to access the benefits and coverage options. National General Insurance has cheaper average rates for drivers, but it advertises fewer coverage options and discounts than The Hartford.
Before deciding what company to take out an auto insurance policy with, you should conduct your own research and compare rates, customer service rankings, customer reviews, discounts, and coverages from National General, The Hartford, and other insurers.
The Hartford is a great option if you’re 50 or older and an AARP member. The company has affordable prices, better customer satisfaction rankings, and provides access to unique coverage options and discounts that can suit your needs as a senior driver.
If you’re younger than 50 and have a clean driving record, National General is the better option for you. The company offers cheaper average rates, access to specialized coverages, and several discounts.
National General is a subsidiary of the Allstate company, one of the largest insurers in the nation. The company has an A+ (Superior) financial strength rating from AM Best.
The Hartford is the 18th-largest personal auto insurance company by market share, according to the National Association of Insurance Commissioners (NAIC).2 It has an AM Best financial strength rating of A- (Excellent).
National General’s DynamicDrive is a telematics program that tracks driving behavior such as phone handling, sudden braking, and speeding. It also keeps track of what time of day you drive. Drivers who enroll need to download the Routely mobile app. You can earn up to 10% for enrolling and additional savings for driving safely.3
The Hartford FleetAhead program helps businesses track and improve their employees’ driving behavior. Business owners can potentially save money on insurance costs through the FleetAhead program. It’s not available for private auto insurance customers.4
National General is the cheaper auto insurer, on average. But your specific rate depends on different factors, including your location, age, gender, driving history, vehicle type, credit score, how much coverage you buy, and more.
See how much the companies charge different types of drivers for insurance below.
National General sells car insurance to drivers with clean records at a rate lower than the national average. Drivers with clean records pay the cheapest average liability rates for car insurance by driving record.
Speeding tickets tend to increase insurance rates. So if you have a speeding infraction on your record, National General is the cheaper choice. The table below illustrates the price difference in liability insurance between both companies.
Teen drivers experience the highest insurance rates due to their lack of experience on the road. Both companies have expensive average liability insurance rates for teens, but National General is a bit cheaper. See the table below for the average premium for an 18-year-old driver.
According to Insurify data, National General offers slightly cheaper average liability rates for senior drivers than The Hartford.
In many states, having bad credit can increase your insurance premiums. National General offers more favorable rates for people with less-than-perfect credit histories. Here’s how both car insurance companies compare in price for liability insurance.
Both companies sell standard car insurance products — such as bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist, and full-coverage insurance, which includes collision and comprehensive coverage.
National General and The Hartford also offer unique coverages to customize your car insurance policy, but National General has slightly fewer options than The Hartford.
For example, The Hartford has gap insurance, rental car reimbursement, and full glass coverage, while National General has accidental death and dismemberment coverage.
National General has a unique Accident Protection Plan that covers medical bills after a car accident, including insurance coverage for accidental death and dismemberment, loss of sight, and loss of wages while injured.
Compare available additional coverages below.
National General has more discount opportunities than The Hartford, but neither insurance company advertises all available discounts on their websites because offerings vary by state. So, you’ll likely have to call your insurance agent or get a quote on the insurer’s website to see which discounts you qualify for.
The Hartford has a discount for completing defensive driver training courses, and National General has a low-mileage discount. Compare discount offerings below.
National General and The Hartford both have their strengths and weaknesses. The following information can help you compare the two companies further.
Yes. The Hartford is good at paying claims. It has an AM Best financial strength rating of A+ (Superior). This shows that the company has a good track record of meeting its financial obligations and would pay for your covered claim in the event of loss.
The Hartford primarily offers car insurance to senior drivers through its AARP auto insurance program. While non-AARP members can buy car insurance, AARP members 50 or older can take advantage of its full car insurance benefits at competitive rates.
National General can be an excellent option for most drivers due to its customer inclusivity and affordable monthly payments.
National General costs $98 per month for liability insurance and $178 for full-coverage insurance. You may face more expensive rates if you have a high-risk driver profile. High-risk drivers include teen or senior drivers, people with moving violations, or consumers with poor credit scores.
If National General is out of your price range, shop around to find the best policy for you at a less expensive rate. You can call an independent insurance agent for advice.
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