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General rates
| Feature | USAA | The Hartford | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,394/yr | ~$1,632/yr | ✓ USAA |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 1.18 — below average | 0.78 — good | ✓ The Hartford |
| Credit: excellentrate change for excellent credit | -10% | -10% | — |
| Credit: fair / poorrate change for fair credit | +20% | +22% | ✓ USAA |
| Young drivers · 18–24surcharge vs 35–54 baseline | +14% | +22% | ✓ USAA |
| Drivers 55+discount vs 35–54 baseline | -8% | -18% | ✓ The Hartford |
| Homeowner discount | -6% | -7% | ✓ The Hartford |
| Multi-policy discount | -10% | -5% | ✓ USAA |
| Lapsed coverage penaltysurcharge for coverage gap | +18% | +15% | ✓ The Hartford |
| How to buy | Online / phone only | Online + agent | — |
| Telematics program | SafePilot | TrueLane | — |
About USAA
Available only to military-affiliated households. Lowest rates among major carriers for eligible drivers. In this comparison, USAA has the advantage on avg rate, fair-credit rate, young driver rate. Best for: Military members, veterans, and immediate family.
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 complaints, 55+ rate, homeowner discount. Best for: Drivers 50+ and AARP members.
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