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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
Category | Average Score |
|---|---|
| Overall experience rating | 4.2 |
| Customer service | 3.8 |
| Value | 3.6 |
| Claims handling | 3.9 |
| Coverage options | 4.0 |
| Discounts | 3.5 |
| Policy transparency | 3.9 |
| Policy flexibility | 3.9 |
The Hartford overall user rating: 4.2 out of 5
Insurify Quality (IQ) Score for The Hartford: 8.3 out of 10
NAIC complaint index: 0.21 (Below average)
Average monthly premium from The Hartford: $230
Insurify gives The Hartford a quality score of 8.3/10. Generally speaking, the insurer receives solid but not spectacular ratings from Insurify customers.
Positive reviews for The Hartford mention helpful, accommodating agents and a smooth claims experience. Negative reviews for the insurer focus on a lack of available discounts and what can sometimes seem like a disappointing value for the money.
Insurify customers with policies through The Hartford give the insurer an overall customer service rating of 3.8 out of 5.
The Hartford customers rate the company 3.8 out of 5 for customer service. Positive reviews mention helpful agents who are easy to work with and quick to respond. Customers leaving negative reviews complain that the overall customer service experience can feel lengthy and drawn out.
You can view real reviews from satisfied and unsatisfied customers of The Hartford below.
The Hartford earns a customer service rating of 3.8 out of 5, which comes in ahead of National General but behind State Farm. Insurify customers give National General a customer service rating of 3.4 out of 5 and State Farm a rating of 4.4.
Customers for both State Farm and The Hartford describe their agents as dependable.
That said, some negative reviews for The Hartford cite frustration at a lack of follow-through on the agents’ end. Customer service reviews for National General, which ranks lower than State Farm and The Hartford, largely center on communication delays.
You can see how real Insurify customers rate these insurers in terms of customer service in the chart below.
Company | Average Score |
|---|---|
| The Hartford | 3.8 |
| State Farm | 4.4 |
| National General | 3.4 |
Insurify customers with policies through The Hartford give the insurer a discount rating of 3.5 out of 5. Customers leaving positive reviews mention achieving savings via bundling and membership discounts. Negative reviews note that the insurer’s discounts can often feel offset by increasing premiums.
The Hartford has a discount availability rating of 3.5 out of 5, which outpaces National General but falls short of State Farm. National General scores similarly to but ultimately lower than The Hartford, with a discount rating of 3.2 out of 5. State Farm earns a discount rating of 4.0.
State Farm customers mention meaningful savings through the insurer’s discount programs. National General customers often seem to be after low bottom-line pricing more than available discounts. The Hartford ranks in the middle of the insurers, with some customers noting that rising premiums can temper discounts.
See how Insurify customers rate The Hartford, State Farm, and National General for discount availability below.
Company | Average Score |
|---|---|
| The Hartford | 3.5 |
| State Farm | 4.0 |
| National General | 3.2 |
The Hartford has a claims handling rating of 3.9 out of 5. Customers who’ve had good experiences with the insurer cite a smooth overall claims process. But dissatisfied customers complain of a drawn-out claims process.
Below, you can read real claims handling reviews from Insurify customers with policies from The Hartford.
Insurify customers with policies through The Hartford give the insurer a claims handling rating of 3.9 out of 5, which outpaces National General but trails State Farm. Insurify customers with National General policies give the insurer a claims handling rating of 3.5 out of 5, while customers with State Farm policies give the insurer a rating of 4.2.
National General ranks lower than The Hartford and State Farm in claims handling, with customers mentioning delays in the claims process and extensive documentation requirements.
And while The Hartford has generally positive claims handling reviews, it scores lower than State Farm, whose customers generally feel that agents communicate clearly and accurately set expectations.
Below, you can compare how Insurify customers rate these three insurers for claims handling.
Company | Average Score |
|---|---|
| The Hartford | 3.9 |
| State Farm | 4.2 |
| National General | 3.5 |
Insurify customers with policies through The Hartford give the insurer a value-for-money rating of 3.6 out of 5.
Customers leaving positive reviews for The Hartford feel they get strong coverage for the price, often achieved through bundling or loyalty discounts. That said, negative reviews feel the company’s pricing becomes less competitive over time, especially when combined with what some customers describe as a lack of available discounts.
Here are real reviews about The Hartford’s value for money from Insurify’s customers with coverage from the insurer.
The Hartford has a value-for-money rating of 3.6 out of 5, which ranks ahead of National General but behind State Farm. Insurify customers give ratings of 3.4 out of 5 to National General and 3.9 out of 5 to State Farm.
National General has a lower value rating than The Hartford and State Farm, with some customers finding its coverage lacking even when offered at a comparatively lower price point. State Farm ranks ahead of both companies, with customers considering its stable coverage and generally solid customer experience to be well worth the cost.
Below, you can view how real Insurify customers rate each company’s overall value for the money.
Company | Average Score |
|---|---|
| The Hartford | 3.6 |
| State Farm | 3.9 |
| National General | 3.4 |
The Hartford earns a policy transparency rating of 3.9 out of 5 from Insurify customers. Positive reviews for the insurer mention knowledgeable agents who explain straightforward coverage well. Customers leaving negative reviews mention unexpected policy changes regarding pricing and billing.
Read real reviews about policy transparency from Insurify customers with policies through The Hartford.
The Hartford’s policy transparency rating of 3.9 out of 5 trails State Farm but leads National General. State Farm has a policy transparency rating of 4.0 out of 5, and National General has a rating of 3.6.
National General ranks the lowest of the three, with customers often expressing confusion around policy requirements, documentation, and what exactly qualifies for coverage. And while State Farm customers often say its agents can clearly explain policies, The Hartford’s customers show more frustration with the process, especially around unexpected changes when it comes time to renew.
Company | Average Score |
|---|---|
| The Hartford | 3.9 |
| State Farm | 4.0 |
| National General | 3.6 |
Below, you can view more than 1,919 reviews about The Hartford from real Insurify customers from the last 12 months.
Overall, The Hartford earns relatively middle-of-the-pack ratings from Insurify customers with policies from the insurer. The insurer falls short of State Farm in matters of customer service, available discounts, claims handling, value, and transparency. That said, it bests National General in all categories.
Below, you can see how The Hartford compares to other top car insurance companies.
 |  |  |  |
|---|---|---|---|
Average price $181/mo* | Average price $78/mo* | Average price $134/mo* | Average price $169/mo* |
Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Senior driversAI-generated from 1919 user reviews | Special highlight Customer serviceAI-generated from 21503 user reviews | Special highlight SR-22 insuranceAI-generated from 1582 user reviews | Special highlight Numerous discountsAI-generated from 4471 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify. These users complete an optional survey asking them to review their experience with their current insurance company and to rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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