Hartford vs. Utica National Insurance

Which insurance provider is right for you? Compare coverage, discounts, and quotes from Hartford and Utica National.

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Hartford vs. Utica National: 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.

Utica Mutual Compensation Company was founded in 1914 as a workers compensation insurance carrier. The company quickly expanded its business by offering more coverage options and quickly becoming one of the New YorkState’s most successful and respectful mutual insurance organizations. Uticaadopted the independent agent system in 1928 in order to sell auto insurance in areas not easily accessed by the office located in New York. Even during the Great Depression and World War II, the company kept growing and expanding. By the end of the 1940’s, Utica’s assets had more than doubled. Today, Utica National Insurance Group is an award-winning, nationally recognized organization which provides a variety of personal and commercial insurance products, through more than 2,200 independent agents across the country. The company has seven regional offices located in Virginia, Ohio, two in New York, Massachusetts, Texas, and Georgia.

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 Utica National Ins Group Overview.

Hartford vs. Utica National Ins Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Hartford and Utica National Ins Group. On average, Hartford charges approximately $196.22 per month while Utica National Ins Group comes in at around $86.10 per month. For Hartford, the cheapest state average is California at $196.22 per month and the most expensive is California at $196.22 per month. For Utica National Ins Group, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Hartford

Average Rate

$196.22
Utica National Ins Group

Average Rate

$86.10
National

Average Rate

$133.56
State Hartford Utica National Ins Group
California $196.22 -

Hartford vs. Utica National Ins Group: 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 Utica National Ins Group typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Hartford Utica National Ins Group
1 Vehicle $185.81 $
2 Vehicles $286.65 $

Hartford vs. Utica National Ins Group: 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 $197.74 per month and Utica National Ins Group charges $ per month for customers who own their home.

Own/Rent Hartford Utica National Ins Group
Own $197.74 $
Rent $196.06 $

What is Hartford and Utica National Insurance Rating?

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

ComparisonHartfordUtica National
Year Founded18101914
A.M. Best RatingAA-
BBB RatingA-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio1.65
S&P RatingA

Hartford or Utica National: Insurance Products Offered

What coverage is available through Hartford and Utica National? Both insurance companies offer Auto, Commercial, Home, Renters, RV, and Umbrella insurance. Additional products from Hartford insurance also include Condo 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 Utica National Ins Group Insurance page.

InsuranceHartfordUtica National
Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Hartford or Utica National: Ways To Save

Hartford offers a wide range of discounts to its policyholders, including Anti-theft Device, Bundle Insurance Savings, and Defensive Driver Course discounts. Whereas, Utica National also offers a few discounts that Hartford doesn’t, including Pay in Full, Multi-Vehicle, and Go Green Vehicle discounts. Start taking advantage of discounts offered by insurance providers like Utica National and Hartford insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

HartfordUtica National
Airbags DiscountAirbags & motorized seat belts
Anti-theft Device DiscountAnnual Mileage Discount
Bundle Insurance SavingsAnti-lock brakes
Defensive Driver CourseAnti-Theft Device
Driver Training DiscountAway at School Discount
Good Student DiscountBundled Discount
Paid-in-Full DiscountCompany Car Discount
Vehicle Fuel Type (Hybrid or Electric Vehicles)Electronic Funds Transfer
Electronic stability control
Go Green Vehicle Discount
Good Student Discount
Multi-Vehicle Discount
Pay in Full Discount

Pros & Cons of Hartford & Utica National

Pros

Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.
Utica National
  • Utica National Insurance is a financially stable company.
  • The company is one of the largest insurance companies in the United States.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.

Cons

Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.
Utica National
  • The company is not considered low-priced by those who have tickets or accidents on their record.
  • Utica National doesn’t offer an online quote. 

Hartford or Utica National 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.

Hartford Mobile App
iOS     3.9265 user reviews
Android     3.7513 user reviews
Utica National Mobile App
Utica National does not currently have a mobile app.

Hartford & Utica National 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/
Utica National Contact Info
Address180 Genesee St, New Hartford, NY 13413
Phone1-800-589-8422
Websitehttps://www.uticanational.com/
Facebookhttps://www.facebook.com/uticanational/
Linkedinhttps://www.linkedin.com/company/uticanational/
Twitterhttps://twitter.com/uticanational

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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