American National vs. Hartford Insurance

Which insurance carrier is right for you? Compare cost, savings and quotes from American National and Hartford.

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American National vs. Hartford: What You Need to Know

American National Insurance Company (ANICO) was founded in 1905 by William Lewis Moody Jr. and headquartered in Gavelston, Texas. During the decades of the 1920s, the company’s assets increased more than 400 percent, compared with the national average for insurance companies at that time. The company continued to grow rapidly, even during the Depression and avoided laying off employees or suffering annual losses.

In 1810, Nathaniel Terry was the president of a small fire insurance company which, 15 years later, wrote a policy for Yale University. In 1835, a large fire destroyed most of the buildings in New York City’s Financial District and all claims were paid. In 1861, the Hartford provided protection for president-elect Abraham Lincoln’s Illinois home after he arranged to move to the White House. In 1871, a fire ravaged more than three square miles of Chicago, and Hartford took care of the casualties. In 1906, 500 city blocks in San Francisco were destroyed by an earthquake and fires. The Hartford paid over $11 million in damages. In 1913, The Hartford formed the Accident and Indemnity Company, providing improved automobile and property coverage for fires, accidents, liability and more. In 1920, the company covered Babe Ruth with a policy. Years later, they even protected President Dwight Eisenhower’s 190-acre farm, where he hosted world leaders. In 1931, the Hartford insured the Hoover Dam, in 1937 the Golden Gate Bridge. In 1959, they insured the St. Lawrence Seaway. In 1947, The Hartford established the Junior Fire Marshal program, which has been teaching fire prevention and safety to millions of children. In 1983, a dedicated small business service center was formed to meet the new demands for businesses. In 1984, The Hartford became the exclusive provider of home and auto insurance for AARP members and The Hartford Center for Mature Market Excellence was established to empower mature adults. In 2001, the company paid over $850 million in claims after the 9/11 terror attacks. Since 1994, The Hartford has been a sponsor of the U.S. Paralympics. Since 2003, they’ve participated in the Ability Equipped program, which provides access to adaptive sports and equipment for people with disabilities across the country. The year 2010 was The Hartford’s 200th anniversary. Since its inception, the company has been named a World’s Most Ethical Company 11 times by the Ethisphere Institute.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit American National P&C Overview and Hartford Overview.

American National P&C vs. Hartford: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with American National P&C and Hartford. On average, American National P&C charges approximately $ per month while Hartford comes in at around $207.80 per month. For American National P&C, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For Hartford, the cheapest state average is California at $207.80 per month and the most expensive is California at $207.80 per month.

American National P&C

Average Rate

$
Hartford

Average Rate

$207.80
National

Average Rate

$119.96
State American National P&C Hartford
California- $207.80

American National P&C vs. Hartford: Rates by Number of Vehicle

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Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American National P&C and Hartford typically charge for drivers who have more than 1 vehicle.

Number of Vehicles American National P&C Hartford
1 Vehicle $ $193.14
2 Vehicles $ $256.15

American National P&C vs. Hartford: Rates by Homeownership

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What Are American National and Hartford Insurance's Ratings?

What's the difference between American National and Hartford? Both show a positive review for their financial strength with rated "A" (Excellent) by A.M. Best, a leading independent rating organization. In addition, both insurance companies received an "A" rating from Standard & Poor's (S&P). Find out more and start to compare insurance companies side-by-side.

ComparisonAmerican NationalHartford
Year Founded19051810
A.M. Best RatingAA
BBB RatingA-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.23%1.65
S&P RatingAA

American National or Hartford: Insurance Products Offered

American National and Hartford sell competitively priced insurance policies for Auto, Home, Renters, Business, Classic Car, Commercial Auto, Condo and Workers Compensation coverage. American National offers specialty products like Credit Life and Credit Disability Insurance or Collateral Protection Insurance. However, Hartford offers additional products for Flood and Umbrella insurance. Compare the American National and Hartford and see which insurer is for you.

Insurance American National Hartford
Agribusiness Insurance
Annuities Insurance
Auto Insurance
Boat & Watercraft Insurance
Business Insurance
Business Owners Policy
Classic Car Insurance
Collateral Protection Insurance
Commercial Auto Insurance
Commercial Flood Insurance
Commercial Umbrella Insurance
Condo Insurance
Credit Involuntary Unemployment Insurance
Credit Life and Credit Disability Insurance
Credit Property Insurance
Data Breach Insurance
Employment Practices Liability Insurance
Flood Insurance
General Liability Insurance
Health Insurance
Home Insurance
Home-Based Business Insurance
Liability Insurance
Life Insurance
Management Liability Insurance
Marine Insurance
Motorcycle Insurance
Multinational Insurance
Off-Road Vehicle Insurance
Professional Liability Insurance
Recreational Vehicle Insurance
Renters Insurance
Risk Engineering
RV Insurance
Surety & Fidelity Bonds
Umbrella Insurance
Vendor’s Single Interest Insurance
Workers Compensation

American National or Hartford: Ways to Save

Hartford and American National offer attractive insurance discounts to policyholder's premiums. See what the two insurance providers have to offer with a side-by-side discount comparison chart. Getting an auto insurance quote from SmartFinancial will help you save time. Get a quote today!

American NationalHartford
Collision Waiver DiscountAirbags Discount
Common Cause of Loss DiscountAnti-Theft Device Discount
Fresh Start DiscountBundle Insurance Savings
Multi-Policy DiscountDefensive Driver Course
No Claims Cashback BonusDriver Training Discount
Three Lines DiscountGood Student Discount
Paid-in-Full Discount
Vehicle Fuel Type (Hybrid or Electric Vehicles)

Pros & Cons of American National & Hartford

Pros

American National
  • American National Insurance has a friendly and helpful customer service according to the reviews
  • The company operates in all 50 U.S. states
Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.

Cons

American National
  • American’s National website is difficult to navigate and find specific information that you’re may looking for.
Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.

American National or Hartford Mobile Apps Options

American National's AN Mobile App is available for iOS and Android. This mobile app provides access to view personal lines insurance policy info (Auto, Home, Specialty Lines, Umbrella Insurance), view your Auto ID cards, submit an Auto and/or Home insurance claim, pay your personal line insurance policy with your bank account or credit/debit card, report an issue or send feedback directly to our development team, request 24-hour roadside assistance and check your Cashback℠ balances (where available).

The Hartford smartphone app allows users to view important documents and access a digital auto ID card. You can pay bills, file and track claims, contact an agent, access roadside assistance and more.

American National Mobile App
iOS     2.734 user reviews
Android     350 user reviews
Hartford Mobile App
iOS     3.9265 user reviews
Android     3.7513 user reviews

American National & Hartford Contact Info

American National Contact Info
AddressOne Moody Plaza - Galveston, Texas - 77550
Phone1-800-333-2860
Websitehttps://www.americannational.com/
Facebookhttps://www.facebook.com/AmericanNationalInsuranceCompany
Youtubehttps://www.youtube.com/channel/UCESIrhTSwvPnZAmuxSccYYg
Linkedinhttps://www.linkedin.com/company/american-national-insurance/
Hartford Contact Info
Address690 Asylum Avenue, Hartford, CT, 06155
Phone1-800-423-6789
Websitehttps://www.thehartford.com/
Facebookhttps://www.facebook.com/TheHartford/
Youtubehttps://www.youtube.com/thehartford
Twitterhttps://twitter.com/TheHartford
Linkedinhttps://www.linkedin.com/company/the-hartford/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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