Hartford vs. Foremost Insurance

Which insurance company is right for you? Compare insights, discounts, and quotes from Hartford and Foremost.

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Hartford vs. Foremost: What You Need to Know

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 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.

In 1952, Edward J Frey and Edward L. Stoddard founded Foremost Insurance Company. Their focus was originally on people who lived in mobile homes. They created the first mobile home insurance policy in history. The company also developed safety standards for mobile homes. Today the company offers a wide range of insurance, including auto insurance, RV insurance business insurance, and home insurance. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies and has more than 38,000 agents across the country, operating in all 50 states. Foremost Insurance rebranded its auto insurance line as Bristol West in 2018 to improve its customer service and claims handling processes. Foremost Insurance has a great reputation as a reliable insurer of nonstandard high-risk auto policies and older homes.

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

Hartford vs. Foremost: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Hartford and Foremost. On average, Hartford charges approximately $208.16 per month while Foremost comes in at around $ per month. For Hartford, the cheapest state average is California at $208.16 per month and the most expensive is California at $208.16 per month. For Foremost, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Hartford

Average Rate

$208.16
Foremost

Average Rate

$
National

Average Rate

$120.03
State Hartford Foremost
California $208.16 -

Hartford vs. Foremost: Rates by Number of Vehicle

Home

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

Number of Vehicles Hartford Foremost
1 Vehicle $193.65 $
2 Vehicles $256.82 $
3 Vehicles $379.90 $

Hartford vs. Foremost: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Hartford charges $196.63 per month and Foremost charges $0.00 per month for customers who own their home.

Own/Rent Hartford Foremost
Own $196.63 $0.00
Rent $211.89 $0.00

What is Hartford and Foremost Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Hartford and Foremost ranked among the industry ratings.

ComparisonHartfordForemost
Year Founded18101952
A.M. Best RatingAA
BBB RatingA-A+
Financial StrengthExcellentExcellent
NAIC Complaint Index0.65
NAIC Complaint Ratio1.65
S&P RatingAA

Hartford or Foremost: Insurance Products Offered

What coverage is available through Hartford and Foremost? Both insurance companies offer Auto, Commercial, Home, and RV insurance. Additional products from Hartford insurance also includes Condo, Renters, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Hartford and Foremost Insurance page.

InsuranceHartfordForemost
Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Hartford or Foremost: Ways To Save

Foremost offers a wide range of discounts to its policyholders, including Multi-policy, One Household, One Policy for All Vehicles, and Pay-in-Full discounts. Whereas, Hartford also offers a few discounts that Foremost doesn’t, including Vehicle Fuel Type (Hybrid or Electric Vehicles), Paid-in-Full, and Good Student discounts. Start taking advantage of discounts offered by insurance providers like Foremost and Hartford insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

HartfordForemost
Airbags DiscountMature Driver Discount
Anti-theft Device DiscountMulti-policy Discount
Bundle Insurance SavingsOne Household, One Policy for All Vehicles
Defensive Driver CoursePay-in-Full Discount
Driver Training Discount
Good Student Discount
Paid-in-Full Discount
Vehicle Fuel Type (Hybrid or Electric Vehicles)

Pros & Cons of Hartford & Foremost

Pros

Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.
Foremost
  • For over 50 years, Foremost has been the top insurance company writing mobile home insurance.
  • Offers superior customer care and claims handling.

Cons

Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.
Foremost
  • The mobile app confuses users because it’s really an app for internal employees of Foremost Insurance Group. Policyholders cannot obtain any insurance services through the app.
  • Homeowners insurance is not the best fit for standard homes which require more coverage.

Hartford or Foremost Mobile Apps Options

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.

The Foremost Insurance Group mobile app, available for iOS and android, is not intended for billing or insurance information. This is an app for Foremost Insurance Group corporate and agent events. It’s only for internal use by Foremost employees. For account information, you can use theForemost website.

Hartford Mobile App
iOS     3.9265 user reviews
Android     3.7513 user reviews
Foremost Mobile App
iOS     1.25 user reviews
Android     1.563 user reviews

Hartford & Foremost Contact Info

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/
Foremost Contact Info
Address5600 Beech Tree Lane, Caledonia, MI 49316
Phone1-800-532-4221
Websitehttps://www.foremost.com/about-foremost/
Facebookhttps://www.facebook.com/ForemostInsurance/
Twitterhttps://twitter.com/Foremost
Youtubehttps://www.youtube.com/user/foremostinsurance
Linkedinhttps://www.linkedin.com/company/foremost-insurance/

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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