Reviews Report
- The Hartford partners with AARP to offer member‑only auto and homeowners insurance programs; eligibility requires active AARP membership and availability varies by state. See program details at The Hartford (AARP Auto) and The Hartford (AARP Home); general membership eligibility is outlined by AARP.
- AM Best affirms an A+ (Superior) Financial Strength Rating with a Stable outlook for Hartford Fire Insurance Company and its pooled property/casualty affiliates (collectively, the Hartford Insurance Group), as most recently confirmed in 2025. Sources: AM Best press release and The Hartford credit ratings.
- J.D. Power’s latest 2021 J.D. Power Auto Claims Satisfaction Study indicates overall industry satisfaction around the high‑870s to ~880 on a 1,000‑point scale; recent top performers include NJM Insurance, Amica Mutual, and Erie Insurance. Hartford’s 2025 rank/score is not published in J.D. Power’s public release; consult the study for details.
AARP members can access The Hartford’s co-branded auto and home programs featuring senior-focused benefits such as 12-month rate protection, Lifetime Car Repair Assurance at participating shops, and RecoverCare assistance after a covered injury (where available). Availability, coverage options, and pricing vary by state and profile; bundling auto and home may yield savings. See official program pages for current terms and state availability: AARP Auto Insurance Program from The Hartford and AARP Home Insurance Program from The Hartford. Anyone 18+ can join AARP; some insurance offerings require an active membership (AARP membership).
The Hartford and AARP Insurance Overview
| J.D. Power Claim Satisfaction Score J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | ||
|---|---|---|---|
| Pin Auto insurance | Not publicly reported (see latest J.D. Power study) | A+ (Superior) | |
| Pin Home insurance | Not publicly reported (see latest J.D. Power study) | A+ (Superior) | |
| Pin Life insurance | N/A | N/A |
*Based on J.D. Power’s latest Auto Claims Satisfaction Study and Property Claims Satisfaction Study
The Hartford and AARP Auto Insurance
The AARP Auto Insurance Program from The Hartford offers standard protections (liability, collision, comprehensive) plus member-focused features including 12‑month rate protection, a Lifetime Car Repair Assurance at participating repair facilities, and RecoverCare benefits that can help pay for essential services (e.g., house cleaning, snow removal) after a covered injury. Availability and terms vary by state; review current details on The Hartford’s program page. Eligible customers may also enroll in The Hartford’s telematics program, TrueLane, for potential safe‑driving savings where approved (TrueLane).
Coverage, discount eligibility, and pricing differ by location; the program is offered in many states and Washington, D.C. Options to tailor a policy can include roadside assistance, transportation expense coverage, gap coverage, accident forgiveness, and disappearing deductibles, subject to state availability (AARP Auto—The Hartford). Given elevated industry pricing and record shopping activity in auto insurance, comparing quotes and considering telematics or bundling may help manage costs (BLS CPI; J.D. Power Insurance Shopping Study).
Strengths: The Hartford’s principal P&C insurers (including Hartford Fire Insurance Company) hold an A+ (Superior) AM Best Financial Strength Rating with a Stable outlook, supporting claims‑paying ability (AM Best; The Hartford ratings). In J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study, overall industry satisfaction is around the high‑870s to ~880, with leaders such as NJM Insurance, Amica Mutual, and Erie Insurance scoring around or above 900.
Restrictions: The auto program is offered exclusively to active AARP members (program overview); anyone 18+ can join AARP (AARP membership). Not all coverages, features, or filings are available in every state, and eligibility for discounts (e.g., multi‑policy, multi‑car, defensive driving, telematics) varies by jurisdiction and driver profile (The Hartford).
Discounts: Common savings opportunities include an AARP membership discount, bundling discounts for auto + home, multi‑vehicle discounts, potential telematics savings via TrueLane, and pay‑in‑full/auto‑pay options where approved. Specific discounts and amounts vary by state and underwriting.
The Hartford and AARP Home Insurance
The AARP Home Insurance Program from The Hartford provides standard homeowners coverages (dwelling, other structures, personal property, loss of use, personal liability, and medical payments) with optional endorsements to tailor protection for your home and belongings. For current coverages, claims service, and state availability, see The Hartford’s program page.
Homeowners may have the option to increase dwelling limits with extended replacement cost—sometimes up to 150% where available—and to add endorsements that address equipment breakdown, water backup, valuable items, identity fraud expense reimbursement, and more. Availability and limits vary by state and underwriting.
Other add-ons options may include:
- “New for Old” protection — replace old items with new ones of the same value.
- Personal injury liability
- Replacing locks reimbursement
- Identity fraud expense reimbursement
- Disappearing deductible
- Equipment breakdown coverage
- Valuable items
- Green rebuilding coverage
- Replacement Plus
- Water backup and sump pump coverage
- Scheduled personal property
Strengths: The Hartford’s operating insurance companies carry AM Best’s A+ (Superior) Financial Strength Rating with a Stable outlook—an indicator of strong claims‑paying ability for homeowners policies (AM Best; The Hartford ratings). Bundling home with AARP auto may also provide savings in eligible states (program overview).
Restrictions: Discounts and optional endorsements are state‑specific and not available to all customers. Industrywide, homeowners satisfaction has been pressured by higher premiums and tighter underwriting; J.D. Power’s 2025 U.S. Home Insurance Study reports continued headwinds, with top performers including Amica Mutual and Erie Insurance. Hartford’s 2025 brand‑specific score/rank is not published in J.D. Power’s public materials.
Discounts: Potential savings may be available for bundling with AARP auto, protective devices/home security, retiree credits, and claims‑free history where offered. Check state‑specific availability and eligibility on The Hartford’s AARP Home program page.
