The Hartford vs. Travelers: Which Is Best? (2025)
Travelers has an IQ Score of 8.5 out of 10, thanks to solid financial strength and a wide range of coverage and discount offerings.
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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.
Quick Facts
The average cost of liability insurance is $161 per month from The Hartford and $99 from Travelers.
The Hartford and Travelers offer telematics programs that may help reduce costs.
Travelers and The Hartford have similar rankings in the most recent J.D. Power claims satisfaction study, but The Hartford has a higher ranking in J.D. Power’s customer satisfaction study.
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.[?] 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.
Factor  | The Hartford | Travelers |
|---|---|---|
| IQ Score | 8.3 | 8.5 |
| Customer satisfaction score | 3.5 | 3.7 |
| Average quote: liability only | $161 | $99 |
| Number of discounts | 8 | 14 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.[?] 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.
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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 $161, while Travelers’ average price for the same coverage is $99. Travelers has more expensive full-coverage insurance, with an average monthly rate of $186. The average cost of full coverage from The Hartford is $243 per month.
But exact car insurance prices depend on a variety of factors, such as your age, driving record, credit history, and ZIP code.[?]
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.
Driver Type | The Hartford | Travelers |
|---|---|---|
| Clean driving record | $161 | $99 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Type | The Hartford | Travelers |
|---|---|---|
| Drivers with a speeding ticket | $240 | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Type | The Hartford | Travelers |
|---|---|---|
| 18-year-old | $437 | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Travelers: Cheapest for senior drivers
Travelers offers slightly cheaper rates for senior drivers than The Hartford does.
Driver Type | The Hartford | Travelers |
|---|---|---|
| Senior drivers | $93 | $73 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Type | The Hartford | Travelers |
|---|---|---|
| Drivers with bad credit | $216 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Coverage | The Hartford | Travelers |
|---|---|---|
| Accident forgiveness | No | Yes |
| Gap insurance | Yes | Yes |
| New car replacement | No | Yes |
| Personal umbrella insurance | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Rideshare insurance | No | Yes, but it’s limited |
| Roadside assistance | Yes | Yes |
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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.
Discount | The Hartford | Travelers |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | No | Yes |
| Low mileage | No | Yes |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | No | No |
| New car | No | Yes |
| Military/affiliation | Yes | Yes |
| Good student | No | Yes |
| Loyalty | No | Yes |
| Auto pay | No | Yes |
| Student away at school | No | Yes |
| Homeowner | No | Yes |
| Alternative fuel | Yes | Yes |
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 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.
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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