Updated: November 8, 2025
Advertising & Editorial Disclosure
Hastings secures eighth place for affordability. It offers both full coverage and minimum liability coverage with monthly rates of $74 and $31, respectively.
Customer satisfaction places Hastings at 12th nationally, where the company struggles with agent service quality and mixed customer forum reviews compared to top competitors.
Hastings ranks 10th for coverage variety, providing specialized options like accident forgiveness benefits and new car replacement coverage for total losses.
Hastings ranks 11th overall nationally, a moderately strong choice among best car insurance companies. The insurer excels in affordability and coverage options, making it competitive for budget-conscious drivers.
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 | 4.37 | 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 | 4.60 | 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 comprehensive customer experience study. Customer reviews highlight strong performance in agent service and digital tools, though claims handling draws more complaints. Here are the buying, policy management, and claims process experiences from our research.
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 is a legitimate car insurance company that secured 11th place in our comprehensive car insurance provider rankings. The insurer particularly excels in affordability, making it a solid choice for budget-conscious drivers.
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 annually for minimum coverage and $804 for full coverage. Annual premiums range from $178 to $6,837 for state minimum and $520 to $18,184 for comprehensive protection.
Customers criticize Hastings for claim denials, with policyholders reporting rejections for legitimate damages and lengthy processing delays. These reports reflect individual experiences, not overall performance data.
Hastings offers competitive rates for several high-risk driver categories. The company ranks 5th overall for drivers with accidents and bad credit.
Yes, Hastings raises rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus rising vehicle technology expenses. Rate adjustments also reflect updated risk assessments for your area, regulatory changes, and personal factors like credit score shifts or age-related risk categories.
No, Hastings isn't the best choice for young drivers, ranking 10th for overall affordability with rates averaging $223 monthly for full coverage.
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
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
