Farmers vs. The Hartford

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Farmers or The Hartford:
Which Company is Best for You?

Farmers and The Hartford are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. Farmers was founded in 1928, while The Hartford was founded in 1810. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
Discount ComparisonFarmersThe Hartford
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonFarmersThe Hartford
Financial Strength ExcellentExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsFarmersThe Hartford
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersThe Hartford
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.Since 1810, The Hartford continually seeks new and better ways to proactively respond to their customers needs.
Roadside AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.The Hartford has towing and labor coverage to help pay for a tow if your vehicle is inoperable regardless of whether the vehicle is involved in an accident.
Additional DiscountsFarmers offers an additional discount for seniors.The Hartford is affiliated with AARP and offers numerous discounts including a discount for driving a hybrid or electric vehicle.
Recent QuestionsShould senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
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Are deductibles company specific?
While they are some company-specific deductibles, the standard ones are $500 and $1000. So it's unlikely you won't be able to get the desired amount for your collision or comprehensive deductible.
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