Updated: June 4, 2026
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Hastings secures eighth place for affordability. It offers both full coverage and minimum liability coverage with monthly rates of $74 and $31, respectively.
Hastings ranks 12th nationally for customer satisfaction. Agent service quality and forum reviews from policyholders are mixed compared to top competitors.
Hastings ranks 10th for coverage variety. Specialized options include accident forgiveness and new car replacement for total losses.
Hastings ranks 11th overall nationally. Affordability and coverage options are its strongest categories among the best car insurance companies.
But this only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.22 | 11 |
| Customer Experience | 4.38 | 12 |
| Coverage | 2.85 | 10 |
| Affordability | 4.36 | 8 |
Hastings works well for adult drivers, those with accidents or bad credit, low-income drivers and owners of newer cars.
The company offers competitive rates across these segments. But drivers with a DUI should look elsewhere due to significantly higher premiums.
| Overall Score | 4.6 | 2 |
Your profile and coverage choices affect what you'll pay for Hastings car insurance costs, which range from $15 to $1,515 monthly. We've analyzed national costs by age group, gender, coverage type, credit score and driving record to help you find the best option.
| $68 | $821 | -63% | 1 |
Hastings ranks among the cheapest car insurance companies for drivers with newer cars. But drivers with DUIs will find it much more expensive. Below you can review how affordable Hastings is for your specific driving category.
| Adult Drivers | $35 | $83 | -17% | 8 |
| Drivers With a DUI | $159 | $351 | 44% | 18 |
| Drivers With an Accident | $36 | $84 | -35% | 5 |
| Drivers With a Speeding Ticket | $45 | $104 | -15% | 9 |
| Drivers With Bad Credit | $50 | $130 | -36% | 5 |
| Drivers With Low Income | $29 | $77 | -40% | 5 |
| Drivers With Newer Cars | $36 | $84 | -39% | 4 |
| Drivers With Old Cars | $36 | $84 | -4% | 9 |
| Senior Drivers | $39 | $97 | -15% | 9 |
| Young Drivers | $90 | $223 | 3% | 10 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Hastings offers 5 car insurance discounts, with average savings of up to 10% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Car | 10% per vehicle | 2+ vehicles on policy at same address | Available nationwide |
Telematics (YouDrive) | Variable | All ages, monitors driving behavior for safe driving rewards | Available nationwide |
No Claims Discount | Variable | Each claim-free year of driving | Available nationwide |
Annual Payment | Variable | Pay annually instead of monthly installments | Available nationwide |
Enhanced Security | Variable | Garage/driveway parking, industry-approved alarms/immobilizers | Available nationwide |
Hastings ranked 12th in overall customer satisfaction in MoneyGeek's study. Customer reviews point to agent service and digital tools as strengths, with claims handling drawing the most complaints. The buying, policy management and claims experiences from our research are below.
Customers report positive experiences with Hastings' online quote system, describing it as "honest and simple to obtain a quote with competitive rates" and praising the "easy-to-navigate website."
Many customers appreciate the "friendly and efficient" customer service when speaking to representatives during the buying process. But some customers experience confusion during setup.
Customers find the insurance portal "easy to use" for making policy changes, though some report "quite long wait times" to speak to representatives. Mixed experiences are reported with customer service quality. While some praise helpful representatives, others describe services as "less than useless" with departments passing responsibility between each other.
Customer experiences with claims vary. Some customers praise quick initial contact after accidents, but many report severe delays with claims taking "eight weeks" without assessment or payment.
Analysis shows customers assign Hastings Direct an average score of just 1.9 for claims assessment processes, compared to competitors scoring 3.2, with frustrations centered on "how long it took Hastings Direct to communicate with their customers and suppliers, which delayed the claims process."
Hastings earns strong ratings for financial strength from all industry rating agencies, but in J.D. Power studies, the company scores at or below average in most areas. Here are Hastings's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Strong ability to pay claims |
AM Best Long-Term Credit Standing | a+ (Excellent) | aaa to d | Strong credit quality |
S&P Global Financial Strength | Not Available | AAA to D | No S&P Global rating |
Moody's Financial Strength | Not Available | Aaa to C | No Moody's rating |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Not rated by J.D. Power |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Not rated by J.D. Power |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Not rated by J.D. Power |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Not rated by J.D. Power |
NAIC Auto Complaints | 1.63 | 1.00 is average | Above average complaints (63% more than average) |
Reddit users and forum members praise Hastings Direct's competitive pricing and easy online quotes. Many drivers note Hastings Direct is among the UK's fastest-growing insurance brokers with over three million policies.
Complaints focus on telematics systems penalizing normal driving, communication issues causing policy cancellations without warning and trouble reaching support for claim help.
Negative reviews dominate forums. Get a complete picture by checking user reviews alongside industry resources, including J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Hastings provides the same standard coverages as other top insurers, such as liability, comprehensive and collision protection. The company also offers additional add-ons including:
Pet Injury Coverage | Pays for veterinary charges for your cat or dog injured in an accident while riding in your covered auto | Unique optional coverage; covers pet medical bills for injuries sustained in vehicle accidents |
Pet Accidental Death Benefit | Provides $250 compensation if your beloved pet dies in an accident involving your vehicle | Helps ease the financial burden and emotional loss of losing a pet in a car accident |
Roadside Assistance | Covers flat tire changes, emergency fluid delivery, dead battery assistance, lockout service, and first aid | 24/7 emergency assistance available for both personal and business auto policies |
Towing Coverage | Emergency towing service when your vehicle breaks down | Choice of free unlimited towing from Hastings-chosen service or up to 10 miles from service of your choice |
New Vehicle Replacement Cost | Provides total value coverage for new vehicles owned less than a year | Essential coverage for new vehicles to protect against immediate depreciation losses |
Auto Loan/Lease Coverage | Reduces financial penalty when experiencing total loss of financed or leased vehicle | Covers gap between vehicle value and remaining loan/lease balance in total loss situations |
Limited Rideshare Coverage | Provides coverage for rideshare drivers up until they accept a passenger | Includes travel interruption protection, key replacement services, and child restraint system coverage |
Rental Car Coverage | Reimburses cost of rental car while your vehicle is in the shop for repairs | Helps maintain transportation during vehicle repair periods |
Here are other insurance options you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Hastings (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, business insurance |
Third-Party Partner | None listed |
Hastings excels in affordability, customer experience and coverage, making it a strong car insurance option. It ranked eighth overall for affordability in our analysis. We recommend you compare quotes and decide on coverage needs before buying to get the best deal.
Yes. Hastings ranks 11th in MoneyGeek's national provider rankings. Affordability is its strongest category.
Based on our comprehensive analysis, Hastings is not the number one car insurance provider in any state. However, the company achieves strong performance nationally, ranking 11th overall among car insurance providers.
Hastings earns its strongest rankings for specific driver profiles rather than geographic locations.
Hastings averages $322 a year for minimum coverage and $804 for full. Premiums range from $178 to $6,837 for minimum and $520 to $18,184 for full coverage depending on driver profile.
Some customers report claim denials and lengthy processing delays. These are individual accounts, not overall performance data for Hastings.
Hastings ranks fifth for affordability among drivers with accidents and bad credit, which is competitive for those two high-risk categories.
Yes. Rates rise because repair costs, vehicle technology and claim frequency all increase over time. Rate adjustments also reflect updated local risk assessments, regulatory changes and personal factors like credit score or age.
No. Hastings ranks 10th for affordability among young drivers, with full coverage averaging $223 a month.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
Our baseline is a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, 12,000 miles a year, a valid license and no prior claims. We adjusted age, driving record, credit score and military status to identify the best rates for different driver categories.
Minimum coverage rates meet state-required minimums. Full coverage uses $100,000/$300,000/$100,000 liability limits with comprehensive and collision coverage and a $1,000 deductible.
Company Rating System
Our evaluation process weights three factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
