12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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GEICO is one of the largest auto insurance companies in the United States by market share, and its long-running advertisements suggest that a call to GEICO can save drivers 15% or more on their insurance.[1]
The Hartford doesn’t have as large a market share, but it’s offered auto insurance since 1913, a full 23 years before GEICO’s founding. The Hartford offers specialty insurance that caters to drivers older than 50.
To determine if The Hartford or GEICO is the best car insurance company for you, take the time to compare quotes, discounts, customer service, and coverage options from each company so you can make an informed decision.
Quick Facts
Hybrid and electric vehicle drivers are eligible for a discount with The Hartford’s AARP Auto Insurance Program.
The Hartford’s average rates for drivers in their 60s are higher than GEICO’s rates for the same age group.
GEICO has a high complaint index score with the National Association of Insurance Commissioners (NAIC), meaning it receives more complaints than expected for its size.[2]
GEICO vs. The Hartford: The verdict
While both GEICO and The Hartford offer similar auto insurance coverages, senior drivers may find exclusive services with The Hartford’s partnership with AARP.
Drivers of any age can get insurance through GEICO, while The Hartford specializes in auto insurance products for drivers 50 years and older. GEICO’s average monthly rates are also significantly cheaper than The Hartford’s for all drivers, whether they have clean records or spotty driving histories.
GEICO insurance may have the best rates, but it has a much worse record for customer satisfaction. GEICO’s National Association of Insurance Commissioners (NAIC) complaint index is 1.35, meaning it has a higher rate of complaints compared to the average.[2] In other words, GEICO receives nearly one and a half times the number of complaints as the national average. The Hartford’s NAIC index of 0.78 means it receives fewer complaints than expected.[3]
Factor
▲▼
GEICO
▲▼
The Hartford
▲▼
IQ Score
9.0
4.0
Customer satisfaction score
3.3
3.5
Average quote: liability only
$55
$98
Number of discounts
16
8
Number of states where it operates
50
50
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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.
GEICO
GEICO is the third-largest auto insurance company by market share, according to the NAIC, and it offers competitive rates and a long list of potential discounts. While it’s a nationally known insurer, it also has a lower-than-average J.D. Power rating for claims satisfaction.[4]
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo
4.0
Best choiceBased on 10113 verified guest reviews and ratings