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The Hartford

The Hartford Car Insurance

Full Star Full Star Full Star Empty Star Empty Star 3.4
1,010 reviews
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The Hartford Car Insurance Information

Insurify Composite Score 93
Number of discounts 9
Number of reviews 1,000
User Rating 4.7
A.M. Best A+
Standard & Poor’s A+
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Click here for our full review of The Hartford car insurance quotes, discounts, and coverages.

As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Ratings

InsurifyComposite Score
What's this?
U.S Auto Insurance Shopping Study (2018)
Options Results
Overall Satisfaction Better than most
Policy Offerings Better than most
Pricing Better than most
Call Center Representative About average
Insurer Website Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Overall Satisfaction Better than most
First Notice of Loss (FNOL) Better than most
Claim Servicing Better than most
Estimation Process Better than most
Repair Process Among the best
Rental Experience The rest
Settlement Better than most
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Southwest 838 Among the best
Mid-Atlantic 839 About average
Florida 806 The rest
California 835 Better than most
North Central 838 Better than most
Northwest 832 Better than most
The Hartford Ratings
Brand Ratings User reviews
Mobile App (iOS)
Full Star Full Star Full Star Full Star Empty Star 4.0
47
Mobile App (Android)
Full Star Full Star Full Star Full Star Empty Star 4.2
376
Insurify
Full Star Full Star Full Star Full Star Full Star 4.7
1,000
Trust Pilot
Trust Pilot Stars
TrustScore 2.1
10
Financial Ratings
Company Name Ratings
A.M. Best A+
Standard & Poor's A+
Moody's A2

Discounts

The largest discounts from The Hartford are: Multiple Policy Discount, Anti-Theft Device Discount, Good Student Discount

Discount Type Discount %
Multiple Policy Discount up to 20%
Anti-Theft Device Discount up to 15%
Good Student Discount up to 15%
teenSMART Discount up to 10%
Defensive Driver Discount up to 5%
Passive Restraint Discount up to 3%
EV/Hybrid Discount Varies
Paid in full discount Varies
Driving training discount Varies

Payment Methods

  • Complete Tick Automatic Online Payment
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Mail Payment
  • Complete Tick Online Payment
  • Complete Tick Phone Payment
  • Complete Tick Mobile App Payments

Features and Services

The Hartford offers many benefits to its policyholders. 

Insurance claims can be made 24 hours a day, 7 days a week online, on The Hartford's mobile app, or over the phone. 

The Hartford's mobile app allows you to manage your policy and account information on the go. Policyholders can store their insurance agent’s contact information, view their policy and billing documents, access their insurance ID card, track claims, and contact roadside assistance or repair services.

Unlike other auto insurance companies, The Hartford offers 12-month rate lock protection which guarantees your insurance premiums will not increase for a full year unless you add vehicles or drivers to your policy. 

The Hartford offers car insurance to all AARP members. 

The Hartford gives its customers access to their network of over 1,600+ authorized repair shops. The Hartford will stand behind the repair work for as long as you own or lease your vehicle.

For customers who own a car or renters/condo insurance policy, The Hartford offers Plus Programs that provide greater coverage and benefits. These perks include first accident forgiveness, disappearing deductible, waiver of deductible, one deductible, $100 deductible reduction, property valuation assistance, rental claim inventory assistance, access to reliable home contractors, and emergency clean-up services.

  • 24/7 service 24/7 service
  • Roadside assistance Roadside assistance
  • Online account management Online account management
  • Mobile app Mobile app
  • Accident forgiveness Accident forgiveness

Car Insurance Coverage

  • Alaska

  • Georgia

  • Idaho

  • Kentucky

  • Minnesota

  • Texas

  • West Virginia

  • Wyoming

Not seeing the state you're looking for? See all states here.

Optional Coverage

  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Accident Forgiveness
  • Complete Tick Vanishing Deductible
  • Complete Tick New Car Replacement Coverage
  • Complete Tick Glass Coverage
  • Complete Tick Roadside Assistance
  • Complete Tick Rental Reimbursement
  • Complete Tick Umbrella Policy
  • Complete Tick Emergency Assistance Coverage
  • Complete Tick Comprehensive Claim Forgiveness

The Hartford Insurance by State

  • Car Insurance
  • RV Insurance
  • Umbrella Insurance
  • Renters Insurance
  • Home / Condo Insurance

Online Quoting by State

The Hartford Insurance Products

home  Home Insurance

The Hartford offers a variety of home insurance products to protect your home, apartment, condo, personal belongings, and assets from many perils.

 

The Hartford has partnered with AARP to make the The AARP Homeowner’s Insurance Program. The Hartford is the only home insurance company endorsed by AARP.

 

Available coverages and discounts may vary by state, but will most likely include:

  • Dwelling coverage: Covers your home and attached structures. Includes electrical wiring, plumbing, heating, and air conditioning as well as larger structures like foundations, staircases, and walls.

  • Other Structures: Covered detached structures like sheds or garages.

  • Personal Property: Covers items like furniture, clothing, and appliances.

  • Loss of Use: Covers cost (up to policy limits) for you to live somewhere else while your home is being repaired.

  • Liability

  • Medical Payments

  • Full Replacement Cost: Pays the full cost to rebuild your home if it is a total loss up to 125 percent of your coverage limits.

  • ProtectorPLUS Zero Deductible Benefit: Waives homeowners insurance deductible if your home is severely damaged by a loss of $27,500 or more.

  • Advantage and Advantage Plus packages: Policyholders can add these coverages to their basic home insurance policy:

    • “New for Old” Protection: Replaces destroyed personal belongings with new models.

    • Personal Injury Liability Coverage

    • Reimbursement for Replacing Locks: Covers up to $500 to replace locks with a $100 deductible.

    • Identity Fraud Expense Coverage: Covers up to $50,000 to help you recover from fraud or identity theft. Includes The Hartford ID Hotline and identity restoration services.

    • Disappearing Property Deductible: Reduces your deductible $50 for every 3 years you go without filing a condo insurance claim.

    • Equipment Protection Advantage: Covers the cost of replacing appliances that break from normal wear and tear.

    • Green Rebuilding: Increases policy limits up to 10 percent when you use environmentally friendly materials for repairing and rebuilding after a loss.

    • Valuable Items “Blanket” Coverage

    • Water Backup and Sump Pump Overflow

    • Assisted Living Care Coverage: Extends liability coverage limits to a relative in an assisted living facility.

    • Scheduled Personal Property: Covers 100 percent of the insured items value if damaged or destroyed in a loss.

    • Rental Property Protection Plus: For landlords. Covers up to 4 family rental units.

life  Life Insurance

auto  Car Insurance

The Hartford offers a variety of basic and optional auto insurance coverages that can protect more than your car. You can also find affordable coverage for your motorcycle, snowmobile, golf cart, ATV, RV, classic car, boat, and more.

The Hartford has partnered with AARP Auto Insurance Program to offer their customers comprehensive car insurance.

Available coverages and discounts may vary by state, but will most likely include:

  • Collision

  • Comprehensive

  • Medical payments: Will cover medical care, recovery, and rehabilitation for you and your family after a car accident.

  • Bodily Injury Liability  

  • Property Damage Liability

  • Uninsured-Underinsured Motorist Bodily Injury

  • Uninsured-Underinsured Motorist Property Damage

  • Personal Injury Protection: Not available in all states. Covers losses only having to do with injuries, regardless of who is at fault.

  • Glass Coverage: An optional coverage that will cover the cost of broken glass repair without having to pay a deductible.

  • Towing Coverage: Covers cost of towing and labor in the event of a breakdown.

  • Rental Car Expense: Covers the cost of a rental vehicle after a collision or comprehensive loss.

  • Personal Umbrella: Exceeds the liability coverage limits of your car and home insurance policies in case you are responsible for more damages.

Classic Car coverage is based on the value of your car that you and The Hartford have agreed upon. Coverage availability varies by state.

  • Bodily Injury Liability

  • Property Damage Liability

  • Physical Damage to your auto (mandatory for collectible autos)

  • Flatbed Towing

  • Trip Interruption

  • Full Glass

  • Spare Parts

  • 24/7 Roadside Assistance

boat  Boat Insurance

The Hartford offers a variety of customizable coverage options for boats and watercraft. The Hartford has partnered with American Modern Insurance Group through Nutmeg Insurance Agency to underwrite boat insurance.

Available coverages and discounts may vary by state, but will most likely include:

  • Physical damage

  • Increased limits on liability

  • Medical payments

  • Uninsured watercraft

  • Total loss replacement option

  • Personal effects coverage

  • Emergency Assistance and Towing

  • Accessory coverage

  • Trailer coverage

  • Agreed value or market value hull coverage

flood  Flood Insurance

Flood insurance is an optional coverage for homeowners that is not just for those who live by the water. Flood insurance can also protect your property from poor drainage systems, rapid accumulation of rainfall, snowmelt, and construction runoff.

The Hartford provides flood insurance through the  AARP® Flood Insurance Plan and quotes established by the federal government.

business  Business Insurance

The Hartford offers a variety of business insurance options for Property & General Liability, Workers' Compensation and Business Auto at a competitive price.

The Hartford has partnered with AARP to provide its Small Business Insurance Program.

Available coverages and discounts may vary by state, but will most likely include:

  • Business Owners’ Policy: Includes a combination of Commercial Property, General Liability, and Business Income insurance.

  • Worker’s Compensation

  • Commercial Auto

  • Commercial Property: Covers the property your business owns and leases, including buildings, equipment, inventory, and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.

  • Data Breach: Covers liability expenses to respond to data loss or theft.

  • Home-based Business: Covers property damage, lawsuits, employee injuries, or issues related to data loss.

  • Employment Practices Liability: Covers defense and damages costs resulting from a variety of employment-related claims such as allegations of wrongful termination, discrimination, workplace harassment, etc.

  • General Liability: Covers business assets in the event of a lawsuit for things like negligence, personal injury, libel, and slander.

FAQs - The Hartford Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

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  • The Hartford vs GEICO

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Company History

The Hartford Financial Services Group, Inc. was founded in 1810 in Hartford, Connecticut and provides auto, home, and business insurance products. 

The Hartford currently serves 42 states in the U.S. including Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Florida, Georgia, Idaho, Iowa, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Maine, Minnesota, Missouri, Montana, North Carolina, Nebraska, New Hampshire, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, and Wyoming. 

The Hartford provides services through a network of more than 17,500 insurance agents and brokers.

The Hartford is the 12th-largest property and casualty company in the United States. It is a Fortune 500 company and writes tens of billions of dollars in insurance premiums per year. 

Contact Information

Headquarters address: 690 Asylum Avenue Hartford, CT 06155

Phone number: 1 (860) 547-5000

Website: www.thehartford.com

The Hartford Reviews

★ ★★ ★★
3.4
1,010 user reviews
5 Stars
46% Complete
46%
4 Stars
4% Complete
4%
3 Stars
2% Complete
2%
2 Stars
1% Complete
1%
1 Star
47% Complete
47%
Write a Review
Most Helpful Review
Satisfied customet
★ ★★ ★★
By Satisfied customer
February 5, 2019

Treated me fairly resolved my claim quickly and the process was easy

Most Recent Review
★ ★★ ★★
By Sharon H
June 16, 2020

My personal opinion Hartford needs to dump TrueLane! Hartford Customer Service Is Excellent quotes are decent but the App is In accurate & Stressful!

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