Is The Hartford the same as Travelers?
No. The Hartford and Travelers are separate insurance companies. Both companies sell quality coverage throughout the country, though Travelers has a higher market share than The Hartford.
The Hartford and Travelers are both well-established insurance companies that have been selling insurance products since 1810 and 1864, respectively. Both companies offer various types of auto coverage, such as bodily injury liability, property damage liability, collision, comprehensive, rental car coverage, and gap insurance.
Travelers offers coverage to a wider variety of drivers, while The Hartford sells new policies only to members of the American Association of Retired Persons (AARP). Before purchasing insurance, it’s important to compare quotes, customer service, discounts, and coverage options to find the best policy for your needs.
The Hartford vs. Travelers: The verdict
Travelers and The Hartford both sell coverage in all 50 states. The Hartford has a better customer satisfaction rating from J.D. Power, but Travelers has lower average rates for most driver types.1 Both companies offer a wide array of coverage options, though Travelers has a slight edge when it comes to insurance add-ons and discounts.
When shopping for car insurance, it’s important to consider more than just the cost of coverage. You should factor in each company’s customer service reputation, available discounts, available coverages, and more. Here’s how The Hartford and Travelers compare in some key factors.
The Hartford
Travelers
With 2.14% of the personal auto insurance market share, Travelers is the ninth-largest insurer in the United States and sells coverage nationwide.2 Travelers has a below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) for a company of its size.
The Hartford FleetAhead vs. Travelers IntelliDrive
Travelers customers can save up to 30% with the IntelliDrive program. IntelliDrive is a 90-day program that tracks certain driving habits, such as speed, distractions, and the time of day you’re on the road. The IntelliDrive mobile app has built-in crash detection so it can trace your location and send help if necessary.
The Hartford offers a telematics program called FleetAhead specifically for businesses. The FleetAhead program offers several benefits, including decreasing costs and improving the safety of fleet operations. FleetAhead allows companies to collect real-time operator data and track specific driving habits, such as speeding and acceleration.
The Hartford vs. Travelers: Which is the cheapest?
Liability coverage from Travelers is cheaper than The Hartford for all driver types on average, according to Insurify data. But full coverage is more expensive.
The Hartford’s national monthly average for liability insurance is $175, while Travelers’ average price for the same coverage is $98. Travelers has more expensive full-coverage insurance, with an average monthly rate of $185. The average cost of full coverage from The Hartford is $241 per month.
But exact car insurance prices depend on a variety of factors, such as your age, driving record, credit history, and ZIP code.3
Travelers: Cheapest for drivers with a clean driving record
Travelers offers cheaper average rates for liability-only insurance than The Hartford for people with a clean driving record. People with a driving history free of incidents earn some of the lowest rates.
Travelers: Cheapest for drivers with a speeding ticket
Travelers has cheaper liability insurance for drivers with a past speeding ticket on their record. Having an incident like a speeding ticket on your record will typically increase your insurance costs.
Travelers: Cheapest for teen drivers
Teen drivers in the U.S. can earn lower liability insurance rates from Travelers than The Hartford. On average, teenagers pay the highest insurance rates by age due to a lack of driving experience and a higher risk of accidents.
Travelers: Cheapest for senior drivers
Travelers offers slightly cheaper rates for senior drivers than The Hartford does.
Travelers: Cheapest for drivers with bad credit
Travelers offers cheaper average rates than The Hartford for drivers with bad credit. People with poor credit typically pay higher insurance rates than people with good credit history.
Compare coverages: The Hartford vs. Travelers
The Hartford and Travelers offer similar auto insurance products, including personal liability, property damage, uninsured motorist, collision, and comprehensive coverage. The main difference between the two insurers is that The Hartford offers car insurance only to AARP members older than 50, while Travelers sells coverage to all types of drivers.
For drivers who want broader protection, both The Hartford and Travelers offer optional coverages to choose from, such as gap insurance and rental car coverage. Travelers has a few more add-ons than The Hartford, including new-car replacement and accident forgiveness coverage. Review the additional coverage options The Hartford and Travelers offer in the table below.
Keep in mind that coverage availability may vary by state. Contact your insurance agent to learn more about coverage options in your area.
Compare discounts: The Hartford vs. Travelers
Both Travelers and The Hartford offer a range of discounts, including multi-policy, paid-in-full, and defensive driver course discounts. With a good student and student away at school discount, Travelers offers more ways for families with young drivers to save. The Hartford offers a 10% savings to its members just for being an AARP member.
The Hartford and Travelers offer a similar number of discounts. Here are the discounts each company offers. Specifics may vary by state.
The Hartford vs. Travelers FAQs
Identifying the right car insurance company for you can feel challenging. The following information should answer your remaining questions about The Hartford and Travelers.
Is Travelers good about paying claims?
Yes. Travelers has a good track record of paying claims compared to other insurance companies. Travelers earned a score of 871 out of 1,000 in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study. And the company has an AM Best financial strength rating of A++ (Superior).
Does The Hartford have a good reputation?
Yes. The Hartford has a good reputation in the insurance industry, as evident in its ratings, including an A+ (Superior) financial strength rating from AM Best and above-average customer satisfaction ratings in multiple regions in J.D. Power’s 2023 Auto Insurance Study.
What are the main differences between The Hartford and Travelers insurance policies?
The main difference between The Hartford and Travelers insurance policies is availability. The Hartford is primarily available to AARP members, while Travelers sells policies to a wide variety of people, including young drivers and senior drivers.
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