Pemco vs. Hartford Insurance

Which insurance carrier is right for you? Compare price, products, and quotes from Pemco and Hartford.

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Pemco vs. Hartford: What You Need to Know

Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.

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 Baby 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 PEMCO Overview and Hartford Overview.

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

Below is a list of the average rates that drivers typically pay with PEMCO and Hartford. On average, PEMCO charges approximately $99.45 per month while Hartford comes in at around $208.16 per month. For PEMCO, the cheapest state average is Washington at $99.42 per month and the most expensive is Washington at $99.42 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.

PEMCO

Average Rate

$99.45
Hartford

Average Rate

$208.16
National

Average Rate

$120.03
State PEMCO Hartford
California- $208.16
Washington $99.42 -

PEMCO vs. Hartford: 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 PEMCO and Hartford typically charge for drivers who have more than 1 vehicle.

Number of Vehicles PEMCO Hartford
1 Vehicle $93.83 $193.65
2 Vehicles $119.96 $256.82
3 Vehicles $ $379.90

PEMCO vs. Hartford: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average PEMCO charges $96.05 per month and Hartford charges $196.63 per month for customers who own their home.

Own/Rent PEMCO Hartford
Own $96.05 $196.63
Rent $100.85 $211.89

What is Pemco and Hartford Insurance Rating?

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

ComparisonPemcoHartford
Year Founded19491810
Market Share3.8%
A.M. Best RatingB++A
BBB RatingA+A-
Financial StrengthExcellentExcellent
JD PowerAmong the Best
NAIC Complaint Ratio1.65
S&P RatingA

Pemco or Hartford: Insurance Products Offered

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

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

Pemco or Hartford: Ways To Save

Pemco offers a wide range of discounts to its policyholders, including Advance Purchase (for new business), Auto Plus Home, and Defensive Driver discounts. In contrast, Hartford also offers a few discounts that Pemco doesn’t, including Workers’ Compensation Insurance, Umbrella Insurance, and Surety & Fidelity Bonds discounts. Start taking advantage of discounts offered by insurance providers like Hartford and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

PemcoHartford
Accident Forgiveness BenefitAuto Insurance
Advance Purchase Discount (for new business)Business Insurance
Auto Plus Home DiscountBusiness Owners Policy
Defensive Driver DiscountClassic Car Insurance
Distant Student DiscountCommercial Auto Insurance
Educator DiscountCommercial Flood Insurance
Good Student DiscountCommercial Umbrella Insurance
Homeownership DiscountCondo Insurance
Life Insurance (only for members of the teacher’s credit union)Data Breach Insurance
Low Mileage DiscountEmployment Practices Liability Insurance
Loyal Auto Customer DiscountFlood Insurance
Minor Ticket Forgiveness BenefitGeneral Liability Insurance
New Vehicle DiscountHome Insurance
Paid in Full DiscountHome-based Business Insurance
Safety/Security Feature DiscountManagement Liability Insurance
University of Washington Alumni DiscountMarine Insurance
Multinational Insurance
Professional Liability Insurance
Renters Insurance
Risk Engineering
Surety & Fidelity Bonds
Umbrella Insurance
Workers’ Compensation Insurance

Pros & Cons of Pemco & Hartford

Pros

Pemco
  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers
Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.

Cons

Pemco

Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.

Pemco or Hartford Mobile Apps Options

The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.

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.

Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews
Hartford Mobile App
iOS     3.9265 user reviews
Android     3.7513 user reviews

Pemco & Hartford Contact Info

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
Websitehttps://pemco.com/
Facebookhttps://www.facebook.com/PEMCOInsurance/
Youtubehttps://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g
Twitterhttps://twitter.com/PEMCO
Linkedinhttps://www.linkedin.com/company/pemco/
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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