The Hartford vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Workmen's Auto offers significantly less expensive rates than The Hartford
• The Hartford offers more discounts than Workmen's Auto Insurance
• Workmen's Auto offers cheaper average premiums for policyholders who drive fewer than 12,000 miles annually

The Hartford vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering The Hartford or Workmen's Auto, but which one will save you the most?

Looking at the national average rates for both companies, The Hartford has average rates that are about 45% per month more expensive than those from Workmen's Auto.

However, Workmen's Auto may not be the most affordable or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so prices will change quite a bit from person to person.

Wanting to know if The Hartford or Workmen's Auto is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

The Hartford or Workmen's Auto: Average Car Insurance Rates by State

Both The Hartford and Workmen's Auto only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Workmen's Auto offers insurance for $151 monthly on average. The Hartford's average premiums come out to be over 70% more expensive, at $265 per month.

Typically, where you call home will play a big role in how much you pay for auto insurance, but since both companies only do business in California, a variety of other factors will come into play when you compare The Hartford and Workmen's Auto. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Workmen's Auto for their auto insurance pay more than $100 less than those who use The Hartford.

That being said, with both companies, you'll see your premiums reduce significantly by the time drivers turn 25. Workmen's Auto offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. The Hartford's average rates decrease over 30% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance premiums you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase prices.

But who has the best rates for retired drivers between The Hartford and Workmen's Auto? Workmen's Auto gets the edge, with prices for drivers 65 and older more than 35% more affordable than the national average for The Hartford.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married couples. That's normally because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Workmen's Auto is the clear winner for single policyholders, with premiums around $118 a month less expensive than The Hartford, on average. The advantage for married drivers with Workmen's Auto is also obvious, where drivers save over $100 per month.

The Hartford vs. Workmen's Auto: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

Men and women end up paying the same monthly premiums with The Hartford; men and women end up paying the same monthly prices with Workmen's Auto.

Looking at overall affordability, Workmen's Auto comes out as the lowest option for both genders, with average premiums 43% less for men and 43% cheaper for women.

The Hartford or Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Workmen's Auto usually offers significantly cheaper prices of $67 compared to The Hartford's $135. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies about $150 a month more affordable than The Hartford, on average.

Is The Hartford or Workmen's Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that tickets and at-fault collisions lead to higher premiums, but which company -- The Hartford or Workmen's Auto -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

The Hartford policyholders can expect their rates to go up an average of $71 per month if they get a ticket, while Workmen's Auto generally raises premiums around $34 a month, on average.

But Workmen's Auto tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 12% less expensive for drivers with clean records and 26% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

The Hartford drivers who get in an accident can expect to see their prices climb by just under $150, while those who have insurance through Workmen's Auto will see about a $45 increase.

Overall, Workmen's Auto offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $156 compared to The Hartford's $262.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, The Hartford increases average rates by just under $350 per month -- that's just under a 75% increase.

If you have a DUI on your record and are looking for more affordable premiums, Workmen's Auto tends to be the much more affordable option with average prices of $191 a month compared to $474 from The Hartford.

How does Credit Score Impact The Hartford and Workmen's Auto Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, are two states that ban the practice entirely), but it does affect several policyholders out there.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is The Hartford or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Normally, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Workmen's Auto tends to be the less expensive option. The Hartford's average premiums for drivers with 6,000 annual miles come in around 47% more expensive than Workmen's Auto. Those who drive 12,000 miles yearly can expect to pay about 40% more with The Hartford over Workmen's Auto.

The Hartford vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a big impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Workmen's Auto tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Workmen's Auto Insurance's average premiums are around 45% less than The Hartford. Drivers in suburban ZIP codes pay about 42% less with Workmen's Auto compared to The Hartford. If you live in a rural area, you can expect to save around 42% with Workmen's Auto compared to The Hartford.

The Hartford vs. Workmen's Auto Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've compared all of the different discounts offered by The Hartford and Workmen's Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

The Hartford knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Workmen's Auto.

A couple of those are overlapping for things like discounts for being a good driver and renewal discounts. The Hartford also offers ABS discounts, anti-theft discounts, defensive driver discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a couple unique discounts of its own -- driver-vehicle combination discounts and mature driver discounts.

Final Thoughts: Is The Hartford or Workmen's Auto Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the right fit for you?

Workmen's Auto might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is located in the suburbs.
• You are over 65 years old and want to save some money on your insurance.

The Hartford might be best for you if...

• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between The Hartford and Workmen's Auto and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from multiple companies, not just The Hartford and Workmen's Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

The Hartford vs. Workmen's Auto FAQs

Is The Hartford or Workmen's Auto cheaper?

Looking just at the national average prices, Workmen's Auto is the more affordable of the two companies, offering average rates of $151 a month compared to $265 for The Hartford. That being said, Workmen's Auto won't necessarily be the lowest company for every policyholder, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, The Hartford or Workmen's Auto?

Sadly, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do The Hartford and Workmen's Auto offer me different rates?

Car insurance carriers take a look at a lot of different factors when calculating the premiums they charge policyholders. Things such as where you live, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both The Hartford and Workmen's Auto calculate rates differently, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if The Hartford or Workmen's Auto is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be The Hartford or Workmen's Auto at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.