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General rates
| 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 | — |
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.
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