Overall verdict
Even match — Travelers vs. The Hartford
Both carriers are competitive. Your best rate depends entirely on your ZIP and profile.
Side-by-side comparison
| Feature | Travelers | The Hartford | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,649/yr | ~$1,632/yr | ✓ The Hartford |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.72 — good | 0.78 — good | ✓ Travelers |
| Credit: excellentrate change for excellent credit | -10% | -10% | — |
| Credit: fair / poorrate change for fair credit | +26% | +22% | ✓ The Hartford |
| Young drivers · 18–24surcharge vs 35–54 baseline | +16% | +22% | ✓ Travelers |
| Drivers 55+discount vs 35–54 baseline | -8% | -18% | ✓ The Hartford |
| Homeowner discount | -10% | -7% | ✓ Travelers |
| Multi-policy discount | -6% | -5% | ✓ Travelers |
| Lapsed coverage penaltysurcharge for coverage gap | +16% | +15% | ✓ The Hartford |
| How to buy | Online + agent | Online + agent | — |
| Telematics program | IntelliDrive® | TrueLane | — |
Who wins by driver profile
Good credit · clean record
The Hartford
saves ~$15/yr
Fair / poor credit
The Hartford
saves ~$87/yr
Young driver · 18–24
Travelers
saves ~$70/yr
Drivers 55+
The Hartford
saves ~$161/yr
Homeowner bundle
Travelers
saves ~$42/yr
About Travelers
Strong complaint record and broad availability. Best advantage comes from home+auto bundling. In this comparison, Travelers has the advantage on complaints, young driver rate, homeowner discount. Best for: Homeowners who bundle home and auto.
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, fair-credit rate, 55+ rate. Best for: Drivers 50+ and AARP members.
Get notified when your rates change.
We'll notify you when your carrier is raising rates. We never spam or sell your information.
✓ You're on the list.