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Who wins for your profile?
General rates
| Feature | Safeco | The Hartford | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,802/yr | ~$1,632/yr | ✓ The Hartford |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.82 — good | 0.78 — good | ✓ The Hartford |
| Credit: excellentrate change for excellent credit | -11% | -10% | ✓ Safeco |
| Credit: fair / poorrate change for fair credit | +26% | +22% | ✓ The Hartford |
| Young drivers · 18–24surcharge vs 35–54 baseline | +18% | +22% | ✓ Safeco |
| Drivers 55+discount vs 35–54 baseline | -7% | -18% | ✓ The Hartford |
| Homeowner discount | -8% | -7% | ✓ Safeco |
| Multi-policy discount | -5% | -5% | — |
| Lapsed coverage penaltysurcharge for coverage gap | +16% | +15% | ✓ The Hartford |
| How to buy | Agent only | Online + agent | — |
| Telematics program | RightTrack | TrueLane | — |
About Safeco
Liberty Mutual subsidiary sold through independent agents. Competitive in Western markets, solid complaint record. In this comparison, Safeco has the advantage on excellent-credit rate, young driver rate, homeowner discount. Best for: Independent agent shoppers.
About The Hartford
Exclusive AARP partnership delivers meaningful 50+ discounts. One of the largest senior rate advantages of any carrier. In this comparison, The Hartford has the advantage on avg rate, complaints, fair-credit rate. Best for: Drivers 50+ and AARP members.
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