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Hartford Auto Insurance Ratings
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Reasons for Buying from Hartford
Customers of Hartford originally decided to purchase from the company for these reasons:
| Offered best price | 44% |
| Recommended by friend or family member | 23% |
| Financial Strength rating | 7% |
| Saw online ad | 7% |
| I had other insurance with this company | 6% |
| Reputation | 6% |
| Saw TV commercial | 5% |
| The company website and mobile apps are easy to use and helpful | 1% |
| Was the company my parents had | 1% |
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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 2020: How Hartford Auto Insurance Compares
Hartford received an overall score of 84.47 putting it in ninth place. It scored in the top 10 for five of six categories, with a score of 88.4 earning it the No. 6 ranking for customer service. Hartford placed eighth for claims service (89.57) and tenth in value for price with a score of 78.4. Eighty-two percent said they would recommend Hartford auto insurance to others and 92% of customers surveyed said they would renew their auto policy with Hartford.
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. For auto insurance, The Hartford (NAIC# 30104) had a complaint ratio of 1.42 for 2018. 2019 complaint numbers will be available in 2020.
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
Lock in your rate. Locks in your rate year after year, even if you have a claim.
Usage-based/Telematics. Rates can be based on your mileage and how you drive.
No drop promise/guaranteed renewal program Your policy will be renewed even if you have accidents and traffic violations.
New car replacement. If you total your car the insurer will pay for a new car.
Mobile app. The insurer offers an app for smartphones.
Vanishing deductible. Your deductible will be reduced as long as you have no accidents or moving violations.
Accident forgiveness. Your rates won't increase after your first accident.
Offers 12-month policies. Your policy term can be one year before the next renewal.
Waiver of deductible for not at-fault accident. You won't have to pay your collision deductible if an accident wasn't your fault.Discounts
Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement. Discount for full-time students who meet certain academic criteria.Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"Their policies satisfy my needs"
"I read that their claim rate is highest in the industry, if that means anything to other car owners"
"This company really never cares for my feelings so I'm willing to switch ASAP"
"Not happy with my plan, will not recommend to anyone. Just automated system is easy to use."
"I don't like the service I received and don't plan to continue with this organization."
"I would like them to change their method of attention to the insured. I haven't received that good of service."
"Just okay overall. Pricing just okay but quick phone response."
"Recommended by in-laws, not very happy with the policy."
"They are the average insurance company."
"The rates were good for the first year, but then raised it $30 a month. Told me it was because my state was the cause for the price hike."
"I just wish you could feel like a priority instead of just a number or a claim number"
"Even though they sell through agents, you are required to deal only with them for claims, yet when a time comes when you need help with a claim, it is very difficult to get a hold of them. They have poor hours. Poor options for when emergencies happen after hours. When we purchased a new car on a Saturday, we were not able to get assistance from them in getting whatever temporary insurance document the dealer needed to take the new car away from the dealership. We were able to reach our agent, who did not have the authority to do this from this company. We had to wait until Monday to drive away with our new car that we just purchased because of their poor customer service hours and poor policies."
"Everything is fine except prices the charged., they should make it affordable to buy auto insurance."
"It works for having coverage, not the best or worst company"
"There are better companies and offers out there, I'm going to look for one soon"
"Not much contact with them, for better or worse"
"Would like a little more hand holding but otherwise pretty good service all around."
"Have never had a claim to judge the service but okay prices, nothing great"
"Never had a problem but just buy policy and go, no claims yet to judge them on"
"They need to lower prices or I'll leave them"
"It's less expensive but you get what you pay for (including poor customer service)."
"High prices, they need to make it little more reasonable."
"Usually good service, but made a claim back a couple of years ago and it was a nightmare to get through."
"I signed up with Hartford through AARP to supposedly get better pricing but I ended up not saivng anything. Beware saying you'll get discounts and then you don't."
"I need to shop around to make sure they are the best priced company"
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"I recommend 100% this insurance company, they always respond and will not disappoint for them"
-Age 18-36, California"Excellent service providers"
-Age 18-36, Colorado"No fake promises, only gives you what was commited"
-Age 18-36, Connecticut"I was confused in the start as whom to select but now very much satisfied with my choice of Hartford for my auto insurance coverage"
-Age 18-36, Florida"Their policies are good as well as process is simple"
-Age 18-36, Georgia"Company is honest. You can trust on them."
-Age 18-36, Idaho"They have really good people skills which is a major plus"
-Age 18-36, Indiana"Company has been really helpful"
-Age 18-36, Kentucky"Point blank period they get on top of the job at hand and get it done as soon and as fast as possible. They are very felixable and try to keep their customers happy."
-Age 18-36, Maryland"I found people really happy getting insured with this company"
-Age 18-36, Massachusetts"My best wishes to this customer oriented staff"
-Age 18-36, Massachusetts"Premium rates are very good so I'm sticking with them."
-Age 18-36, Massachusetts"Their financial strength rating is good but do need to control on premium they charged as mine is getting higher and higher"
-Age 18-36, Massachusetts"Very safe, I will definitely recommend my insurer"
-Age 18-36, Montana"Excellent customer service and very good attention"
-Age 18-36, New York"When I need their service the company always trust in me and what I tell them and give me a excellent support."
-Age 18-36, New York"Their online service is far better than my last company"
-Age 18-36, Oklahoma"Personable and friendly. They work hard to correct mistakes and find discounts."
-Age 18-36, Oregon"AARP friendly"
-Age 37-52, Virginia"Quick process."
-Age 37-52, Connecticut"Policies and plans are pretty good"
-Age 37-52, Connecticut"You get deals with benefits"
-Age 37-52, Connecticut"Cheap policies with high benefits."
-Age 37-52, Idaho"Most comfort zone for customer because they gives more benefits."
-Age 37-52, Illinois"Auto claims professionals of this company have deep knowledge of our unique coverages, such as hybrid vehicle and vehicle wrap coverage."
-Age 37-52, Indiana"Nice experience because what we need they fulfill adequately. "
-Age 37-52, Iowa"They try to get you the lowest price with the most coverage. Easy to call and ask questions."
-Age 37-52, Kentucky"Best insurance company without a doubt"
-Age 37-52, Massachusetts"Great service strategies for customer satisfaction"
-Age 37-52, Massachusetts"I did not face any problems while dealing with them"
-Age 37-52, Massachusetts"Online experience is user friendly and very much helpful"
-Age 37-52, Massachusetts"Pricing is very fair as compared with others"
-Age 37-52, Massachusetts"Their plans are great"
-Age 37-52, Massachusetts"They don't have hidden charges for troubling the customers"
-Age 37-52, Massachusetts"Whatever they told me are all truth, no lies"
-Age 37-52, Massachusetts"Fast fair claim service"
-Age 37-52, Minnesota"Constant support from their employees"
-Age 37-52, New York"I have had good experiences with the company."
-Age 37-52, New York"They understand the questions and concerns of their clients. They have excellent customer service has very competitive prices"
-Age 37-52, New York"Handle customers very smoothly I can say"
-Age 37-52, North Carolina"I looked up reviews before going with them and didn't find customers blaming this company for not giving them claims or benefits so I went with them."
-Age 37-52, North Carolina"They are responsive and have competent, articulate customer service reps"
-Age 37-52, North Carolina"Immediate attention, excellent coverage plan, good rates of payment."
-Age 37-52, Ohio"Thy are friendly and have cheap rates"
-Age 37-52, Ohio"That they are fast, friendly and polite."
-Age 37-52, South Carolina"Best value of my investment"
-Age 37-52, Texas"Excellent service. Always ready to recommend to anyone."
-Age 37-52, Texas"I have liked the company and not had any major issues"
-Age 37-52, Texas"Has given the full coverage that I have requested."
-Age 53+, Arizona"They are a company with good rates and back their polocies"
-Age 53+, Arizona"They are a quality company. I have been insured with them before and came back to them."
-Age 53+, Arizona"They do their job and they listen to their customers"
-Age 53+, Arizona"Company staff help me to take best decision about policy"
-Age 53+, California"Seem to be knowledgeable of their products."
-Age 53+, Colorado"Always pleasant"
-Age 53+, Connecticut"Easy to resolve problems"
-Age 53+, Connecticut"They are a reliable company"
-Age 53+, Connecticut"They offer reasonable rates for coverage."
-Age 53+, Connecticut"Better price, coverage and customer service fits my needs"
-Age 53+, Indiana"The insurance company has great customer service, handled my claim fairly and promptly and the cost is reasonable."
-Age 53+, Kentucky"They have good prices"
-Age 53+, Kentucky"Good prices and good customer service"
-Age 53+, Maryland"The agents treat you like they actually care about you. They find the best policies that meet all one's needs and they find discounts."
-Age 53+, Maryland"The representative for the Hartford was very polite knowledgeable and very thorough when I asked the question I received an answer right away the rates were very good"
-Age 53+, Maryland"Hartford offers the auto insurance program, giving valuable benefits, exclusive claim services."
-Age 53+, Massachusetts"Had personal care on both my home and auto claims."
-Age 53+, Minnesota"I'd recommend them. They are easy to deal with"
-Age 53+, Minnesota"Easy to deal with. Responsive"
-Age 53+, New Mexico"They are kind and informed, great customer service"
-Age 53+, New Mexico"Their affiliation with AARP provides great value to an otherwise good insurance company."
-Age 53+, New York"Positive attitude"
-Age 53+, North Carolina"Friendly representatives, easy to do business with, reasonable rates."
-Age 53+, Pennsylvania"Good coverage, good service at a reasonable price"
-Age 53+, Pennsylvania"Extra benefits with plans are so good"
-Age 53+, South Carolina"Great for AARP members; I haven't found any that are less expensive."
-Age 53+, Utah"Company offers new vehicle replacement cost, deductible wavier for collision that are not customers fault, reduce deductible for using authorized shops for collision repair, etc."
-Age 53+, Wyoming"Keeping Promises made to customer are their first preference"
-Age 53+, Wyoming