The Hartford auto insurance review and ratings

The Hartford is ranked highly in the 2023 Best Insurance Companies survey for auto insurance, with customers saying they’re happy with the company’s discounts.

Reviewed by: Laura Longeroquality verified
Laura Longero
Laura Longero

Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.

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Our take

The Hartford did well in’s 2023 Best Insurance Companies survey, getting very high marks from customers for its discounts.

However, in terms of survey responses, the company did not get enough to warrant ranking on our best auto insurers’ list. 

While it wasn’t included in the overall company ranking, the editors felt The Hartford was a notable auto insurer worth reviewing.

Below is’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Pros and Cons

  • High ranking for discounts
  • Costs more
  • Lower rating than competitors for customer satisfaction

How much The Hartford costs

The Hartford has high auto insurance rates compared to other companies in our survey with a national average cost of $1,362 annually or $195 a month.

Insurance company Monthly rate/premium
The Hartford $195
Travelers $124
Erie $105

How The Hartford scores for customer satisfaction

Almost 75% of The Hartford’s customers said they were satisfied or highly satisfied with the company overall. However, this put the company in the bottom half of the survey results. Erie and Travelers topped this category.

Another metric to consider: J.D. Power doesn’t do national ratings for overall auto insurance satisfaction instead ranking by region. To get a broader picture of how The Hartford rated in that survey, we averaged the regional scores. The Hartford scored 837/1,000, better than many competitors. The average score is 834.

Insurance company Percent of customers satisfied with the company overall
The Hartford 74%
Erie and Travelers 96%
Safeco 78%

How The Hartford scores on ease of service

Of the customers surveyed, 84% said they were satisfied or highly satisfied with how easy it is to get the service they need from the company. The highest scores in this category went to USAA and Liberty Mutual – 92% of those companies’ customers give it top scores. But The Hartford did better than other companies.

Insurance company Percent of customers satisfied with the company’s ease of service
The Hartford 84%
Liberty Mutual 92%
Safeco 72%

How The Hartford scores on policy offerings

When it comes to policy offerings, The Hartford scored in the bottom half of our survey, with 74% of customers saying they were satisfied.

Insurance company Percent of customers satisfied with the company’s policy offerings
The Hartford 74%
Safeco 89%
Auto-Owners 73%

Would current customers recommend The Hartford to others?

Of the customers surveyed, 89% would recommend The Hartford to others. Most companies’ results in this category were in the 80th and 90th percentile.

Insurance company Percent of customers who would recommend their auto insurance company to others
The Hartford 89%
Safeco 94%
Auto-Owners 91%

How trustworthy is The Hartford?

In all, 79% of customers say they trust the company. That was somewhere in the middle of our survey results, with few companies scoring especially high in this category. State Farm had the best score. 

Insurance company Percent of customers who say they trust their auto insurance company
The Hartford 79%
State Farm 84%
Auto-Owners 77%

Do The Hartford customers plan to renew?

Almost 90% of customers plan to renew with The Hartford. All – 100% – of USAA and Erie customers plan to renew with their insurer.

Insurance company Percent of customers who plan to renew with their auto insurance company
The Hartford 89%
Erie and USAA 100%
Auto-Owners 95%

How The Hartford scores on discounts

For discounts, The Hartford’s customers rated it extremely high. In fact, if the company were ranking the final results, it would have scored the highest of any auto insurer in this category.

Company Rank for discounts
The Hartford 1 (if ranked)
State Farm 1 (among ranked companies)
Progressive 2 (among ranked companies)

The Hartford car insurance coverages

  • Personal car insurance
  • Commercial car insurance
  • Classic car
  • RV
  • ATV
  • Boat
  • Golf cart
  • Snowmobile

The Hartford additional insurance policies

  • Homeowners
  • Renters
  • Condo
  • Umbrella
  • Flood
  • Business 

The Hartford coverage options

  • Liability
  • Personal injury protection/medical payments
  • Uninsured/underinsured motorist
  • Comprehensive
  • Collision
  • Full glass coverage
  • Towing
  • Gap insurance
  • Rental reimbursement
  • Rental car insurance
  • Accident forgiveness
  • Disappearing deductible
  • New car replacement coverage
  • RecoverCare: Assistance after an accident
  • Lifetime car repair assurance

The Hartford car insurance discounts

  • AARP car insurance discount
  • Paid-in-full 
  • Get a quote online for a discount

Company background

The Hartford is one of America’s oldest continuously operated insurance companies, having been founded in 1810. Still headquartered in Hartford, Connecticut, The Hartford is a Fortune 500 company with nearly 20,000 employees.

The company sells multiple times of insurance and operates in every state and the District of Columbia. The Hartford has been the home and auto insurance writer for AARP for a quarter century.

Resources & Methodology


J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds.” Accessed December 2022.

J.D. Power. “Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds.” Accessed December 2022.

The Hartford. “Vehicle insurance.” Accessed December 2022.

The Hartford. “AARP auto insurance.” Accessed December 2022.

The Hartford. “Discounts on car insurance.” Accessed December 2022.

Methodology in the fall of 2022 surveyed more than 1,500 people with auto, home, life and health insurance (1,080 people with auto insurance). The survey was conducted by online market research company Slice MR. Respondents were asked to name their insurer and the editors then selected – based on the number of responses – the top companies for this year’s Best auto insurance companies ranking. needed 20 or more of a company’s customers to respond to the survey for that insurer to be included in the ranking, although in some categories the editors did consider companies with 18 or 19 responses.

Respondents were first asked to grade their insurer in the following categories – customer satisfaction, claims satisfaction and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Survey score calculation: Respondents were then asked to rank their insurer’s top three attributes out of more than a dozen presented – including customer satisfaction and policy offerings. For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as scores. 

Respondents were then asked if they would recommend their insurer to someone else. The percentage who said yes is presented in the results.

They also were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and A.M. Best data, which measures financial strength. 

They also collected insurance rate data from Quadrant Information Services (for auto and home insurance), Compulife (for life insurance) and the public health marketplace (for health insurance).

With the help of Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto and home insurers, we used the following weights to calculate the overall score for each company: 

  • AM Best: 25% of total score
  • NAIC: 15% of total score
  • Annual premium: 20% of total score
  • Survey: 40% of total score (10% customer satisfaction, 10% recommended and 10% renewal rate, 10% claims handling)

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