The Hartford Car Insurance Ratings

The Hartford
   Effective Date: May 01, 2015
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Customer Satisfaction Ratings

(122 reviews)

For Price
% Who Would
Recommend to
a Friend
% Who Plan
to Renew

A+    May 01, 2015

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Reason for buying from The Hartford
Customers of The Hartford originally decided to purchase from the company for these reasons:
41%The insurer offered the best price.
14%The insurer's reputation.
13%Other reason.
12%The insurer was recommended by a friend.
11%Saw a commercial.
5%Was the company their parents had.
4%Had other insurance with this company.
Would you recommend this company?
  • already have
  • yes
  • not sure
  • probably not
  • no
  • 34%
  • 50%
  • 13%
  • 2%
  • 1%

Would you renew?
  • yes
  • no
  • 93%
  • 7%

About The Hartford

The Hartford car insurance is the 11th-largest auto insurance carrier in the nation according to A.M. Best and received an overall score of 86.2 on our annual best insurance companies study.  A majority of surveyed policyholders (93 percent) say they plan to renew their Hartford auto insurance policy.  The Hartford logo is of a stag and serves as reminder what the company stands for – strength and stability.  The Hartford celebrated its 200th anniversary in 2010.

The Hartford background:

The Hartford Financial Services Group, commonly known as The Hartford, began as a fire insurance company back in 1810 when a group of local merchants gathered at an inn in Hartford, Conn. Obviously, the company wasn't insuring cars because they weren't around.

The company expanded through the years. And in 1913, it formed The Hartford Accident and Indemnity Company to provide a number of insurance coverage options, including accident, automobile liability and  property damage.

In 1970, ITT Corp. acquired The Hartford for $1.4 billion. It was the largest corporate takeover in America at the time. Twenty-five years later, in 1995, ITT Corp. streamlined its operations and released some of its subsidiaries including The Hartford. In December of that year, The Hartford returned to being an independent entity and being traded on the New York Stock Exchange under the symbol "HIG."

In 1984, The Hartford won a contract to sell auto (and homeowners) insurance to members of the American Association of Retired Persons. The agreement between The Hartford and AARP remains in place.

In 1986, The Hartford moved company headquarters to a new 173-acre campus in Simsbury, Conn.

In addition to discounts for good students and driver training, The Hartford offers policies with accident forgiveness and vanishing deductibles, among other options.

The Hartford also offers drivers of electric vehicles a discount on their auto insurance policies. Drivers are eligible for a 5 percent discount at renewal.

The Hartford offers coverage for antique cars, golf carts, motorcycles, RVs, boats, ATVs and snowmobiles, and other lines.

What's covered
Coverage Options
Usage-based. Rates can be based on your mileage and how you drive.
Accident forgiveness. Your rates won't increase after your first accident.
Vanishing deductible. Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement. If you total your car the insurer will pay for a new car.
Lock in your rate. Locks in your rate year after year, even if you have a claim.
No-drop promise. Your policy will be renewed even if you have accidents and traffic violations.
Waiver of deductible for not at-fault accident. You won't have to pay your collision deductible if an accident wasn't your fault.
Offers 12-month policies. Your policy term can be one year before the next renewal.
Mobile app. The insurer offers an app for smartphones.

Multi-policy. Discount for more than one type of policy with the same insurance provider.
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Defensive driver. Discount for an approved defensive driving or driver improvement class.
Academic achievement. Discount for full-time students who meet certain academic criteria.
Passive restraint/air bag. Discount for factory-installed safety devices such as an air bag.
Safe driver/clean record. Discount for no accidents or traffic violations, usually for three or five years.

Note: Not all discounts will be available in all states or for all customers. Details and eligibility will vary by insurer. Insurers may offer additional discounts not included on this list.