Foremost vs. The Hartford: Which is the cheapest?
Various factors influence your auto insurance rates, like your age, claims history, location, and vehicle type.[1] So the cheapest insurance company can vary from one driver to another.
But it’s helpful to know the average monthly rates of both insurers and what they offer to different drivers. Here’s how Foremost’s and The Hartford’s average rates compare.
The Hartford: Cheapest for drivers with a clean driving record
People with a clean driving record always receive the cheapest auto insurance rates. A clean driving record means less risk of filing a claim, so insurance companies can charge cheaper rates. The Hartford is the cheaper overall option for drivers with a clean driving record.
Driver Type | Foremost | The Hartford |
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Clean driving record | $137 | $112 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Hartford: Cheapest for drivers with a speeding ticket
Speeding contributed to 29% of all traffic fatalities in 2021 and is risky driving behavior, so drivers with a history of speeding tickets pay higher rates for auto insurance.[2] The Hartford has cheaper average rates than Foremost for drivers with a speeding ticket on their record.
Driver Type | Foremost | The Hartford |
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Drivers with a speeding ticket | $196 | $158 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Hartford: Cheapest for teen drivers
Your age is another factor that influences your car insurance rates. Young and teen drivers always pay the highest rates for auto insurance due to their lack of experience behind the wheel. If you’re an AARP member who’s insuring a teen driver, The Hartford could be the slightly cheaper option, based on average rates.
Driver Type | Foremost | The Hartford |
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18-year-old | $238 | $229 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Hartford: Cheapest for senior drivers
Senior drivers tend to pay lower rates on auto insurance since they usually drive less and display safer driving habits. The Hartford specializes in working with drivers older than 50 years, and the company offers cheaper rates to drivers in their 60s and 70s than Foremost.
Driver Type | Foremost | The Hartford |
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Senior drivers | $101 | $65 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Hartford: Cheapest for drivers with bad credit
Based on where you live, insurance companies may consider your credit-based insurance score when underwriting and pricing your policy. Insurers believe that drivers with bad credit are more likely to file a claim, so they charge more expensive premiums to offset the risk.[3]
If you have bad credit, check out The Hartford — it has cheaper average premiums for drivers with poor credit than Foremost.
Driver Type | Foremost | The Hartford |
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Drivers with bad credit | $165 | $135 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.