Pure Companies vs. Hartford Insurance

Which insurance company is right for you? Compare products, pros & cons, and quotes from Pure Companies and Hartford.

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Pure Companies vs. Hartford: What You Need to Know

PURE insurance focuses on high net-worth individuals to create specialized insurance solutions. Policies are broad and flexible and tailored to individual needs. CEO Ross Buchmueller has a career that spans more than 30 years of focus on specialized property and casualty needs of high net-worth individuals and families. He was at Chubb Group for more than a decade and founded AIG’s Private Client Group, serving as its president for more than six years. In 2006, he and colleagues Martin Hartley and Jeffrey Paraschac set out to create an insurance company with a reduced conflict between shareholders and policyholders while providing exceptional coverage, service, and savings. The holding company for the PURE Group of Insurance Companies is called Privilege Underwriters. PURE stands for Privilege Underwriters Reciprocal Exchange. Pure insurance recapitalized equity investments from funds managed by Stone Point Capital, KKR and the management team in 2015. Tokio Marine Holdings Inc. bought Privilege Underwriters Inc and PURE Group for $3.1 billion in October 2019. The acquisition closed the first quarter of 2020. The company is expended to expand and diversify its international business. PURE has a 96% member retention rate and an industry-leading Net Promoter Score. The company has been growing rapidly and has a premium volume in excess of $400 million.

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 Pure Companies Grp Overview and Hartford Overview.

Pure Companies Grp vs. Hartford: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Pure Companies Grp and Hartford. On average, Pure Companies Grp charges approximately $177.27 per month while Hartford comes in at around $201.47 per month. For Pure Companies Grp, the cheapest state average is Massachusetts at $177.46 per month and the most expensive is Massachusetts at $177.46 per month. For Hartford, the cheapest state average is California at $201.46 per month and the most expensive is California at $201.46 per month.

Pure Companies Grp

Average Rate

$177.27
Hartford

Average Rate

$201.47
National

Average Rate

$117.77
State Pure Companies Grp Hartford
California- $201.46
Massachusetts $177.46 -

Pure Companies Grp 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 Pure Companies Grp and Hartford typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Pure Companies Grp Hartford
1 Vehicle $168.04 $190.38
2 Vehicles $228.97 $242.61

Pure Companies Grp 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 Pure Companies Grp charges $159.55 per month and Hartford charges $188.66 per month for customers who own their home.

Own/Rent Pure Companies Grp Hartford
Own $159.55 $188.66
Rent $184.15 $207.03

What is Pure Companies and Hartford Insurance Rating?

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

ComparisonPure CompaniesHartford
Year Founded20061810
A.M. Best RatingAA
BBB RatingA+A-
Financial StrengthExcellentExcellent
NAIC Complaint Ratio1.65
S&P RatingA

Pure Companies or Hartford: Insurance Products Offered

What coverage is available through Pure Companies and Hartford? Both insurance companies offer Auto, Commercial, Condo, Home, and RV insurance. Additional products from Hartford insurance also includes 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 Pure Companies Grp and Hartford Insurance page.

InsurancePure CompaniesHartford
Auto Insurance
Commercial Insurance
Condo Insurance
Home Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Pure Companies or Hartford: Ways To Save

Pure Companies offers a wide range of discounts to its policyholders, including Central Burglar/Fire Alarm, Clean Loss History, and Gated Community discounts. In contrast, Hartford also offers a few discounts that Pure Companies 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 Pure Companies insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Pure CompaniesHartford
5% Discount on Homeowners with Flood PolicyAuto Insurance
Central Burglar/Fire Alarm DiscountBusiness Insurance
Clean Loss History DiscountBusiness Owners Policy
Gated Community DiscountClassic Car Insurance
Impact-resistant Windows and Roofing DiscountCommercial Auto Insurance
Jewelry Appraisal DiscountCommercial Flood Insurance
More Cars Than Drivers DiscountCommercial Umbrella Insurance
Multiple Policy DiscountsCondo Insurance
Seasonal Use DiscountData Breach Insurance
Storage DiscountEmployment Practices Liability Insurance
Flood Insurance
General Liability Insurance
Home Insurance
Home-based Business Insurance
Management Liability Insurance
Marine Insurance
Multinational Insurance
Professional Liability Insurance
Renters Insurance
Risk Engineering
Surety & Fidelity Bonds
Umbrella Insurance
Workers’ Compensation Insurance

Pros & Cons of Pure Companies & Hartford

Pros

Pure Companies
  • PURE is the top choice for affluent and high net-worth individuals and families.
  • Boasts financial strength.
  • Offers concierge services that make everything easy to do.
Hartford
  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.

Cons

Pure Companies
  • PURE only covers New York, New Jersey, Connecticut, Rhode Island, Texas, South Carolina, Maryland, Washington D.C., Georgia, Alabama, Mississippi, North Carolina, Massachusetts, South Dakota, Arizona, and Oklahoma.
Hartford
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.

Pure Companies or Hartford 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.

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

Pure Companies & Hartford Contact Info

Pure Companies Contact Info
AddressPO Box 480, Elmsford, NY 10523
Phone1 (888) 813-7873
Websitehttps://www.pureinsurance.com/
Facebookhttps://www.facebook.com/PUREinsuranceUS/
Youtubehttps://www.youtube.com/user/puremktg/
Twitterhttps://twitter.com/PUREinsurance
Linkedinhttps://www.linkedin.com/company/pure-group-of-insurance-companies/
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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