Ratings

Auto best-auto-company-ratings
Overall Rating info icon info icon
3.5 ratings
Claims Processing
3.5 ratings
Customer Service
3.5 ratings
Value for Price
3.0 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
76%
% Who Plan to Renew
91%
AM Best Financial Strength Ratings info-icon info-icon May 01, 2021
A+

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Reasons for Buying

Customers of Hartford originally decided to purchase from the company for these reasons:
  • 44% Offered best price
  • 21% Reputation
  • 15% Recommended by friend or family member
  • 9% Saw TV commercial
  • 5% I had other insurance with this company
  • 4% Saw online ad
  • 1% Financial strength rating
  • 1% The company website and mobile apps are easy to use and helpful
  • 0% Was the company my parents had

How likely to recommend?

  • 41%I would definitely recommend this company
  • 35%I would probably recommend this company
  • 20%Neutral
  • 3%I would probably not recommend this company
  • 1%I would not recommend this company

Would you renew?

  • 91% Yes
  • 9% No

Ratings on Website & Apps

  • Fairly satisfied / Fulfills my needs OK 35%
  • Completely satisfied / Outstanding website & apps that give me what I need and more 28%
  • Average website and apps 25%
  • Very unsatisfied / digital offering is severely lacking 6%
  • Unsatisfied / website and/or apps are not fulfilling my needs 5%

How do you prefer to deal with insurer and policy?

  • Phone 49%
  • Interactive website 24%
  • In person 16%
  • Email 6%
  • Mobile App 5%
auto
Go to Hartford site now to get a quote
money-fs
See How Much You Can Save!
Compare free quotes from companies near you
zip-pin Please enter valid zip
money-fs

Customer Complaint Ratio

info icon
( Hartford’s customer complaint ratio for Private Passenger Auto insurance is 1.57 )
1.57
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

About The Hartford

Types of auto coverage

  • Auto
  • Pay-as-you-drive plan - TrueLane
  • Motorcycle
  • Collectable cars
  • RV
  • ATV/Snowmobile
  • Boat
  • Golf cart

Additional policies offered

  • Homeowners
  • Renters
  • Condominium
  • Flood
  • Umbrella liability
  • Commercial

Best Auto Insurance Companies 2021: How Hartford compares

Best car insurance for AARP members and senior drivers

Although The Hartford offers great car insurance coverage for all demographics, its partnership with the AARP highlights a specialty in selling insurance to senior drivers. This dedication earned them the ranking of Best Car Insurance for AARP Members and Senior Drivers in our 2021 review of the Best Car Insurance Companies.

As people become senior drivers, they are often seen as a higher risk for accidents and therefore, claims. To help offset the increased risk and increased rates, The Hartford offers discounts to drivers who take a defensive driving course. 

RecoverCare is another program that while offered to any demographics, is especially beneficial to senior drivers. If a customer is injured in a covered automobile accident, RecoverCare helps to pay for important things a customer cannot do due to the accident. This could be anything from lawn care to food preparation. 

The Hartford customers enjoy competitive rates and report that they are satisfied with great customer service, easy billing and payments and a responsive claims process.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The Hartford's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Two hundred years and beyond

The Hartford Financial Services Group, commonly known as The Hartford, began as a fire insurance company back in 1810, and in 1913, began to provide a number of insurance coverage options, including accident, automobile liability and property damage. The Hartford logo is a stag and serves as reminder what the company, which celebrated its 200th anniversary in 2010, stands for – strength and stability.

In 2016, the Fortune 100 company released its own smartphone app, joining the ranks of the largest auto insurance carriers and staying current when identifying and processing consumer needs and trends.


Consider The Hartford for AARP members

The Hartford is the contracted insurer for members of the American Association of Retired Persons (AARP), which means that members not only have access to discounted rates, but also a few key features that add to the value of membership. Policyholding members enjoy the following benefits:

12-month rate guarantee: Rates are guaranteed not to change for 12 months, which can be a benefit if you’re used to a company might raises rates every six months.

RecoverCare - This is designed to help AARP members who need some assistance when recovering from an accident. It provides a $2,500 benefit to pay for necessary aid up to six months after an accident.

Lifetime policy renewal – AARP advertises that a member’s auto policy will never be canceled, and while that’s a valid perk for most members, there are exceptions to every rule. Consistently paying late, losing a license, convicted of driving under the influence, deemed not able to drive by a doctor or living in a state requiring elderly drivers to re-test for licenses will not make you eligible for policy revocation.

Contact information

Corporate Headquarters

The Hartford Financial Services Group, Inc.
One Hartford Plaza
Hartford, CT 06155

Customer Service: 860-547-5000

Claims: 800-243-5860

Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won't increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Lock in your rate Icon
Lock in your rate
Locks in your rate year after year, even if you have a claim.
Waiver of deductible for not at-fault accident Icon
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 Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
No drop promise/guaranteed renewal program Icon
No drop promise/guaranteed renewal program
Your policy will be renewed even if you have accidents and traffic violations.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Hartford auto insurance available?

States in which Hartford auto insurance available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

Other Companies to Consider: