The Hartford

The Hartford - Car Insurance

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4.8 Rating

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Last Updated: January 2022
Click here for our full review of The Hartford car insurance quotes, discounts, and coverages.



Composite Score
What is this?
U.S Auto Insurance Shopping Study (2018)
Call Center RepresentativeAbout average
Insurer WebsiteBetter than most
Overall SatisfactionBetter than most
Policy OfferingsBetter than most
PricingBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
Claim ServicingBetter than most
Estimation ProcessBetter than most
First Notice of Loss (FNOL)Better than most
Overall SatisfactionBetter than most
Rental ExperienceThe rest
Repair ProcessAmong the best
SettlementBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
California835Better than most
Florida806The rest
Mid-Atlantic839About average
North Central838Better than most
Northwest832Better than most
Southwest838Among the best
The Hartford Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 2.0
TrustScore 2
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA+
Standard & Poor'sA+


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

Carrier Discounts
Discount %
Multiple PolicyAnti-Theft DeviceGood StudentteenSMARTDefensive DriverPassive Restraint
Discount Group
Discount TypeDiscount %
Multiple Policyup to 20%
Anti-Theft Deviceup to 15%
Good Studentup to 15%
teenSMARTup to 10%
Defensive Driverup to 5%
Passive Restraintup to 3%
Paid in fullVaries
Driving trainingVaries

Payment methods

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

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.

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

Car Insurance Coverage

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

Optional Coverage

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

The Hartford Insurance Products

Home Insurance
Life Insurance
Car Insurance
Boat Insurance
Flood Insurance
Business Insurance

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.

Compare The Hartford to GEICO

The Hartford vs GEICO

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


The Hartford Reviews

5 Stars
82 %
4 Stars
9 %
3 Stars
4 %
2 Stars
2 %
1 Star
4 %

Most Helpful Review

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

Latest Review

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

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Sharon H
My personal opinion Hartford needs to dump TrueLane! Hartford Customer Service Is Excellent quotes are decent but the App is In accurate & Stressful!
Excellent, fast service, helpful friendly folks.
Nobody can beat my price with the Hartford $550 per year everyone is quoting me more so stop trying to get me to change I am not going to. good luck with other people
After getting quotes looks like nobody can beat your price for me a senior with no tickets or accidents in 15 to 20 years
Rates go up too much. Great customer service.
Screwing up my payments and charging me for the screw up. I signed up for autowithdrawal assuming it would take the full payment as I always do. No with no advance notice starting taking the money in installments charging me a $5 service fee. It took two months to fix it and I was refused a refund of my service fees. So I will be getting both my homeowners and auto policies elsewhere.
The Hartford is an excellent company but going to Mayo Clinic I was cancelled disappointed with that aspect
Showing 1 - 10 out of 1000 reviews

The Hartford Car Insurance Information

Insurify Composite Score93
Number of discounts9
Number of reviews29516
User Rating4.7
A.M. BestA+
Standard & Poor'sA+


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.