The Hartford Car Insurance Review
Founded in Hartford, Connecticut in 1810, The Hartford initially focused on providing fire insurance. The carrier quickly rose in status within the insurance industry and in its infancy wrote policies for Abraham Lincoln and Yale University. In subsequent centuries, The Hartford earned a reputation for its philanthropy, co-founding the United States Paralympics and founding the Hartford Foundation, which helps fund arts, community development, education, and minority nonprofit programs.
In 2019, The Hartford ranked #161 on the Fortune 500 list, with assets exceeding $62 billion and annual revenue reaching nearly $20 billion. From its humble beginnings, The Hartford has grown to employ more than 18,000 people, who serve customers in all 50 states and Washington, D.C. The Hartford’s product portfolio includes:
- Car insurance
- Classic car insurance
- Home insurance
- Renters insurance
- Condo insurance
- Flood insurance
- Umbrella insurance
- Business insurance
- Small business insurance
- General liability insurance
- Workers’ compensation insurance
- Employee benefits
- Voluntary benefits
- Absence management
|Discounts for electric and hybrid cars|
Exclusive benefits for AARP members
Strong consumer and financial ratings
|Fewer discounts than some carriers|
More expensive than some insurers
Some add-on’s only available with Advantage Plus
The Auto Insurance Factors We Analyzed
Insurance companies determine your rate based on several factors, including:
- Your age – Typically, drivers 25 years of age and younger pay more for insurance.
- Your driving record – Violations such as at-fault accidents, DUIs, and speeding tickets usually lead to increased insurance rates.
- Your gender – Statistically, men have more traffic violations and cause more accidents than women do, so they usually pay higher insurance rates.
- Your credit score – Most states allow insurance providers to use your credit score to set your rate, so it’s important to maintain a good credit history.
- Your location – If you live in an area prone to auto theft or vandalism, you’ll probably pay higher rates than people who live in less crime-ridden neighborhoods.
- Your annual mileage – The more you drive, the more risk you pose of filing a claim. Motorists who commute long distances every day typically pay higher rates than recreational drivers.
- The make and model of vehicle you drive – Some automobiles cost more to insure because of their engine size, the cost to repair them, their safety record, or because they’re popular targets of car thieves.
- The amount and types of coverage you need – Although your state requires you to purchase minimum amounts of liability insurance, you may elect to also purchase collision and comprehensive coverage or a few optional coverages, which will increase your rate.
Since 1984, The Hartford has partnered with AARP to provide insurance products to its members. Through the program, AARP members receive special discounts. According to The Zebra, a research company that studies the insurance market, AARP members who purchase auto insurance through the program pay an average annual premium of around $1,392. But bear in mind, you may receive a lower or higher premium based on your individual rating factors.
When it comes to customer care, The Hartford scores high marks. The insurer ranked sixth on J.D. Power’s 2015 Auto Claims Satisfaction Study, earning 873 out of 1,000 points, five points above the industry average.
In Power’s 2019 U.S. Auto Insurance Study, The Hartford ranked among the top ten in six U.S. regions and #1 in the Southwest region.
Independent insurance agents throughout the United States write policies for The Hartford, providing you a local contact to help you file a claim or purchase other coverages.
The Hartford also offers a mobile app – available for Android and Apple devices – which features fingerprint login and a digital insurance card. You can also use the app to file a claim and request roadside assistance.
The Harford sells all standard auto insurance coverages, including:
- Bodily injury and property damage liability coverage, which pays the medical and repair expenses of another driver if you’re at fault for a collision.
- Collision coverage, to cover repairs to your vehicle following a covered collision.
- Comprehensive coverage, which pays to repair or replace your vehicle if it’s stolen or sustains non-collision damage, such as storm damage.
- Medical payments coverage, which pays the medical expenses of you and your passengers following an accident.
- Personal injury protection, a required coverage in some states that also pays medical expenses, regardless of who is at fault in an accident.
- Uninsured and underinsured motorist coverage, a required coverage in some states, which pays your medical expenses and repair costs if an uninsured or underinsured driver collides with your vehicle.
The Hartford’s optional coverages provide maximum protection and can save you money if you need them.
- Car towing coverage helps pay labor and towing charges if your automobile breaks down on the road.
- Full glass coverage has no deductible and pays to repair broken windows and windshields, even if you don’t carry comprehensive insurance.
- Rental car expense coverage helps pay rental car expenses if you need to put your car in the shop following a covered collision or comprehensive insurance loss.
- Personal umbrella coverage helps pay medical and repair costs that exceed your liability insurance limits.
Deals, discounts, and add-ons
To help reduce your car insurance rates, The Hartford extends loads of discounts, including:
- Airbag discounts for suitably equipped vehicles.
- Anti-theft device discounts for cars equipped with alarms and tracking devices.
- Defensive driver course discounts for policyholders who complete an approved program.
- Fuel type discounts for electric and hybrid automobiles.
- Good student discounts for drivers 16 to 25 years of age who maintain a “B” or 3.0 average or make the dean’s list or honor roll.
- Paid-in-full discounts for policyholders who pay their premiums in one payment.
The Hartford’s optional Advantage Plus Program, available to AARP members, features even more benefits, including:
- Accident forgiveness
- Collision deductible reduction
- Disappearing collision deductible
- Emergency expense coverage
The Hartford Overview: Financial Strength, Availability, and History
In the last three years, the BBB has received just 330 complaints against The Hartford — most involving product or service problems, which is the most common grievance within the insurance industry.
- In business since: 1810
- States served (availability): 50 and Washington, D.C.
- Standout features include the Advantage Plus Program and AARP discounts.
|A.M. Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of 3/17/2020.
The Bottom Line
Although The Hartford writes insurance policies for younger drivers, it extends its best discounts and benefits to AARP members. To join AARP, you must be 50 years of age or older. The AARP program includes benefits that many carriers don’t offer, like the RecoverCare program, which pays for household services following an accident.
The Hartford offers ways to reduce your premium, including a discount of up to 20% on home insurance when bundled with an auto policy. However, The Hartford doesn’t have a usage-based discount program, such as Progressive’s Snapshot or Allstate’s Drivewise programs, which offer reduced rates for good driving habits.
While The Hartford doesn’t offer the lowest insurance rates on the market, it backs its policies with sound financial strength and more than 200 years of experience.
The Hartford car insurance is best suited for AARP members, who can take advantage of the carriers full set of discounts and benefits.
The Hartford Auto Insurance FAQ
The Hartford offers a wide range of insurance products, including business, classic car, flood, home, renters, and umbrella insurance.
To find out how much coverage you need, start by searching the website of your state’s department of motor vehicles to find out what types and amounts of coverage the law requires. If you finance a vehicle, you also need to determine how much collision and comprehensive coverage the lender requires.
Car insurance protects your assets when you have an accident, so it’s best to purchase as much coverage as you can afford.
Through its network of independent agents, The Hartford sells car insurance in all states and Washington, D.C.
The Hartford offers customizable policies. Standard coverages include collision, comprehensive, liability, and medical payments policies.
You have the option to choose the standard coverages you need and can also add optional coverages such as full glass coverage, rental car expense coverage, and umbrella coverage.