The Hartford Auto Insurance: User Reviews and Quotes (2024)

The Hartford holds strong financial strength and customer service ratings but tends to have higher rates, averaging at $175 per month for full coverage.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 13, 2024

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Headquartered in Hartford, Connecticut, The Hartford debuted in 1810 as The Hartford Fire Insurance Company. Today, the insurer offers a variety of insurance products for individuals and businesses. The company partners with AARP and gives members exclusive perks. Registered AARP members who are older than 50 can even secure a discount of up to 10% off their policy.[1] 

The Hartford scores well for customer service and has decent availability. But its rates tend to be higher than those of its competitors. Even if you’re set on The Hartford, comparing rates from multiple insurers is the best way to find cheap insurance that meets your needs.

Let’s dive deeper into The Hartford and learn what you can expect from this insurance company.

Quick Facts
  • To be eligible for the AARP Auto insurance program from The Harford, you must prove that you’re an AARP member and be at least 50 years old.

  • The Hartford offers higher rates and fewer discounts than other insurers but holds strong financial strength ratings.

  • Drivers can save 12% by signing up for TrueLane, The Hartford’s telematics program.

How The Hartford compares to other insurance companies

The Hartford offers higher premiums and fewer discounts than other insurance companies, such as State Farm, Liberty Mutual, GEICO, and Progressive. But it stands out for its strong customer service, with an 836 customer satisfaction score from J.D. Power.[2]

FactorHow The Hartford Compares
RatesHigher
Customer serviceBetter than competitors
DiscountsLess than competitors
AvailabilitySimilar to competitors
Financial strengthSimilar to competitors
  • Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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How The Hartford rates compare to competitors

Compared to competitors, The Hartford’s rates tend to be higher. For example, The Hartford offers full-coverage insurance for $175 per month, while State Farm offers full coverage for $117 per month.

The table below shows full-coverage rates from some of The Hartford’s competitors.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull-Coverage Rates
State Farm$117
GEICO$119
Progressive$134
Allstate$137
The Hartford$175
Liberty Mutual$218
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.

Average cost of The Hartford auto insurance

On average, liability-only insurance from The Hartford costs $111 per month, and full-coverage policies average $175 per month. The national average is $105 per month for liability coverage and $215 monthly for full coverage.

Generally, teens and young drivers pay the highest rates due to their lack of experience. Rates typically decrease around age 25, and seniors experience the lowest rates. But around age 70, senior drivers may see their rates increase due to age-related health concerns.

But The Hartford offers exclusive discounts for older drivers. AARP members older than 50 can secure a discount of up to 10% on a policy from The Hartford, which could help older drivers maintain low rates.

Drivers with an incident on their record, such as a speeding ticket, at-fault accident, or DUI, experience higher rates than drivers with a clean record. Fortunately, The Hartford offers accident forgiveness, good driver discounts, and defensive driver discounts.

The table below lists liability rates from The Hartford for different driver profiles compared to the national average.

DriverThe Hartford Average Monthly QuoteNational Average
Drivers with a clean record$111$105
Drivers with a speeding ticket$157$150
Drivers with an at-fault accident$166$156
Drivers with a DUI$149$177
Teen drivers$227$183
Senior drivers$64$77
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 car insurance cost by state

Your state and city play a major role in the cost of an auto policy, and the exact premium you may receive from The Hartford’s Southeast and Midwest departments may differ. This is due to factors such as climate and population density. In general, The Hartford’s rates are higher than other national insurers.

Here’s a list of the average monthly car insurance rates for The Hartford’s coverage in all 50 states.

StateThe Hartford Average Monthly QuoteState Average
Arizona$85$93
Arkansas$93$109
California$113$135
Colorado$76$86
Connecticut$176$203
Delaware$116$131
Florida$193$213
Georgia$132$146
Hawaii$59$65
Idaho$62$69
Illinois$71$79
Indiana$62$69
Iowa$56$61
Kansas$70$80
Kentucky$159$179
Louisiana$141$154
Maine$80$89
Maryland$156$179
Massachusetts$89$101
Michigan$166$180
Minnesota$90$103
Mississippi$67$76
Missouri$86$98
Montana$85$94
Nebraska$80$91
Nevada$173$199
New Hampshire$49$56
New Jersey$101$114
New Mexico$63$69
New York$131$143
North Carolina$51$56
North Dakota$80$88
Ohio$63$73
Oklahoma$81$90
Oregon$89$100
Pennsylvania$83$93
Rhode Island$127$149
South Carolina$148$164
South Dakota$57$64
Tennessee$71$78
Texas$108$119
Utah$89$102
Vermont$61$67
Virginia$84$93
Washington$79$83
Washington, D.C.$111$121
West Virginia$67$73
Wisconsin$55$61
Wyoming$60$68
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. Alabama and Alaska not included due to a lack of data.

The Hartford car insurance discounts

Discounts can help you lower your rates and score a great deal on car insurance coverage. Fortunately, The Hartford advertises several auto insurance discounts that may lead to a lower car insurance quote, including:

  • AARP discount

  • Bundling discount

  • Pain-in-full discount

  • Defensive driver discount

  • Online quote discount

  • Safety feature discount

  • Vehicle safety discount[3]

How customers feel about The Hartford

On Trustpilot, The Hartford Casualty Insurance Company earned 1.2 out of 5 stars with 140 reviews.[4] While The Hartford Financial Services Group received an A+ ranking on the Better Business Bureau (BBB), it’s not accredited and holds 1.09 out of 5 stars based on more than 200 reviews.[5] 

Most of the negative reviews are about the auto insurance company’s poor claim process and high prices. These sites have minimal positive reviews.

The Hartford customer reviews

Here are real, verified insurance reviews from customers who have had actual experiences with The Hartford.

Harold - June 13, 2024
Verified

Good

Contacting a claims agent was very difficult.
Barbara - June 10, 2024
Verified

Great

I wish they had more flexibility with payments.
Michael - June 10, 2024
Verified

Lack of Clarity

They were decisive, but their explanations were poor.
Marcy - June 9, 2024
Verified

Unpleasant Experience with Claim

I had been paying for a homeowners policy for years without making a claim. However, the first time I did, I had an unpleasant encounter with an insurance adjuster who accused me of not calling them at 3:30AM during an emergency. Instead, I had called the management company who sent out help immediately. My claims were unfortunately denied. I would prefer a company that treats me politely and pays the claims.

The Hartford ratings

Ratings from reputable organizations, such as AM Best, J.D.Power, and the NAIC Complaint Index, help demonstrate the quality, reliability, and health of The Hartford.[6][2][7] As you can see from the table below, The Hartford earned high ratings:

RatingScoreWhat This Means
AM BestA+Superior ability to meet financial obligations
J.D. Power812 out of 1,000Better than many competitors
NAIC Complaint Index1.19Higher than-average number of complaints

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The Hartford car insurance coverage options

Like most car insurance companies, The Hartford offers liability insurance that includes bodily injury and property damage coverage. For drivers who’d like extra protection, The Hartford also offers comprehensive and collision coverages. 

Here’s a look at several other coverage options from The Hartford:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    UM/UIM coverage kicks in if you’re involved in an accident with a driver who has insufficient coverage or no insurance.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments (MedPay) coverage

    Medical payments coverage can pay for medical expenses and rehab following a car accident, no matter who’s at fault. The Hartford offers this coverage in only a few states.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Also referred to as no-fault insurance, PIP coverage can reimburse you for losses related to injuries, lost wages, and funeral costs, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/150x150/502eb94f2a/car-and-driving-96x96-orange_032-rearview-mirror.svg

    Auto glass insurance

    Auto glass insurance covers your vehicle’s headlights, mirrors, and window repairs without a deductible.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Car towing coverage

    Car towing coverage pays for towing charges you may face if your car breaks down.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Gap insurance

    If your vehicle gets stolen or totaled, gap insurance will pay the difference between what you owe on your loan and how much the car is worth. It’s a good idea for financed or leased vehicles.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    This coverage will help pay for a rental car if your vehicle is in the repair shop following a covered accident.

  • illustration card https://a.storyblok.com/f/162273/150x150/8055843166/car-service-96x96-orange_040-garage.svg

    Lifetime car repair assurance

    With its lifetime car repair assurance, you can depend on The Hartford to find a reliable repair shop for your vehicle in case of damage.

Other options for The Hartford customers

While The Hartford is known for its AARP auto insurance program for older drivers, it offers other types of insurance products that you may purchase through an insurance agent, such as:

  • Home insurance: The AARP Home Insurance program is a homeowners insurance policy that can protect your home, property, and personal belongings after a covered loss, such as a fire or theft.

  • Pet insurance: If you have a pet, pet insurance may cover unexpected vet visits plus prescription medications, office visits, hospital stays, physical therapy, and allergy care.

  • Business insurance for your LLC: As a business owner, you may consider The Hartford’s business insurance products to cover you in the event of a loss, including BOP coverage, general liability insurance, commercial property insurance, and business income insurance.

How The Hartford TrueLane app works

With TrueLane, you can earn discounts on your car insurance by proving that you’re a safe driver. You can lock in a 12% discount just for signing up and up to 25% off at the time of renewal. To use TrueLane, simply download the mobile app, activate it, and start driving.

Your driving score will tell you how well you drive after every trip, and you’ll receive personalized driving tips to improve your score. To increase your score and your savings amount, keep phone usage to a minimum, accelerate carefully, brake slowly, and adhere to all speed limits.

The Hartford insurance FAQs

If you still have questions about The Hartford and its car insurance products, check out the answers below.

  • Is The Hartford legitimate?

    Yes. The Hartford is a legitimate insurance company that’s been around since 1810. It’s a key player in the insurance industry and earned great ratings from reputable organizations, such as AM Best and J.D. Power. It may be a good fit, especially if you have a good driving record and need a new policy.

  • What is the average cost of The Hartford car insurance?

    On average, The Hartford car insurance costs $111 per month for liability coverage and $175 per month for full coverage. Premiums may vary based on driver profile and your desired coverage type.

  • Is The Hartford good at paying claims?

    Since The Hartford and its subsidiaries earned an A+ rating from AM Best and an 812 J.D. Power score, it’s clear that the auto insurer excels at paying claims for its consumers. This can give you peace of mind about a potential claim payment.

  • How do you cancel your insurance policy from The Hartford?

    To cancel an auto policy from The Hartford, contact a representative at 1 (800) 423-6789 if you’re an AARP member and 1 (877) 896-9320 if you don’t have an AARP membership. You’ll be able to connect to the company’s employees. You may also cancel by mail by sending The Hartford a letter at P.O. Box 14219, Lexington, KY, 40512.

  • Is The Hartford Insurance a good company?

    The Hartford is a solid car insurance company with good customer service. It’s certainly worth exploring if the company meets your specific coverage needs or if you’re older than 50 and an AARP member. An independent insurance agent or broker can give you insurance advice and help you find the right policy from The Hartford.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. The Hartford. "AARP Auto Insurance Program From The Hartford."
  2. Jdpower.com. "2023 U.S. Auto Insurance Study."
  3. The Hartford. "Car Insurance Discounts & Savings."
  4. Trustpilot. "The Hartford."
  5. Better Business Bureau. "The Hartford Financial Services Group, Inc.."
  6. Ambest.com. "Hartford Fire Insurance Company."
  7. Naic.org. "Consumer Insurance Refined Search Results."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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