The Hartford AARP Auto Insurance Review
- Excellent customer satisfaction rating
- Great discounts and coverages for AARP members
- Good financial strength
- More expensive than other top companies
- Complaint rating is worse than average
Is The Hartford a good company?
The Hartford’s AARP benefits, customer satisfaction and financial strength are good, but its car insurance rates are more expensive than most other companies.
The Hartford’s liability-only and full coverage car insurance rates are over 30% higher than the national average, but it offers some discounts that could help make it cheaper.
The company has also partnered with AARP to offer drivers who are 50 years of age or older and members of AARP lower rates and extra benefits.
The Hartford’s ratings and reviews
| Rating | The Hartford’s score | Industry average |
|---|---|---|
| Complaint rating | 1.92 | 1 |
| Customer satisfaction score | 701 | 697 |
| Financial strength | A+ | Second-highest possible rating |
The Hartford customer reviews
Trustpilot, a company that lets consumers rate and review companies, gives The Hartford an overall score of 1.1. This score puts The Hartford in Trustpilot’s “Bad” range.
Insurance company ratings on Trustpilot
| Company | Trustpilot rating* |
|---|---|
| Allstate | 1.2 |
| Farmers | 1.4 |
| The Hartford | 1.1 |
| Liberty Mutual | 1.1 |
| Nationwide | 1.5 |
How much does The Hartford car insurance cost?
Full coverage car insurance from The Hartford costs $3,186 a year, or $266 a month, on average. This is 34% more than the national average of $2,101 a year.
The Hartford’s average liability-only car insurance rate is $1,229 a year, or $102 a year. This is 33% more than the national average of $829 a year.
The Hartford sells car insurance in all 50 states. In Texas, The Hartford sells through Redpoint County Mutual Insurance Co.
The Hartford’s car insurance rate comparison
| Company | Full coverage | Liability-only | LendingTree score | |
|---|---|---|---|---|
 | State Farm | $1,604 | $661 |  |
 | Travelers | $1,806 | $792 | |
 | American Family | $2,019 | $751 |  |
 | Geico | $2,109 | $797 |  |
 | Progressive | $2,078 | $801 | |
 | Nationwide | $2,402 | $1,024 |  |
 | The Hartford | $3,186 | $1,229 |  |
The Hartford car insurance cost by driving record
Drivers with a DUI (driving under the influence) conviction pay 39% more for full coverage car insurance from The Hartford than the national average.
The company’s rates for other drivers with bad records are also higher than the national averages.
The Hartford annual rates by driving record
| Incident | The Hartford | U.S. average | The Hartford vs. average |
|---|---|---|---|
| Ticket | $4,254 | $2,591 | +39% |
| Accident | $4,945 | $3,147 | +36% |
| DUI | $4,882 | $3,891 | +20% |
Car insurance cost for teens with The Hartford
The Hartford’s teen car insurance rates are higher than the national average. Teens pay 12% more for liability-only car insurance and 30% more for full coverage from The Hartford. The Hartford does not offer any discounts aimed at young drivers.
| Type of coverage | The Hartford | U.S. average | The Hartford vs. average |
|---|---|---|---|
| Liability | $2,991 | $2,673 | 12% |
| Full coverage | $9,080 | $6,359 | 30% |
Car insurance discounts from The Hartford
The Hartford offers several car insurance discounts, including discounts for:
- Anti-theft systems
- Auto and home insurance bundling
- Driver education
- Multi-car
- Online quotes
- Pay in full
- Safe driver
- Safety equipment
A notable discount is available to AARP members through The Hartford. If you’re 50 years of age or older and an AARP member, you can save up to an average of $597 on your car insurance costs over six months.
Hartford discounts vs. other companies
| Discount | The Hartford | Allstate | American Family | Geico | Progressive | State Farm |
|---|---|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes | Yes | Yes |
| Defensive driving | Yes | No | Yes | Yes | No | Yes* |
| Usage-based | No | Yes | Yes | No | No | No |
| Safety app | Yes | Yes | Yes | Yes | Yes | Yes |
The Hartford car insurance coverage
The Hartford offers several standard and optional car insurance coverages.
Standard coverages
| Coverage type | What it covers |
|---|---|
| Liability | Property damage and injuries you cause to others in an accident |
| Comprehensive and collision | Damage to your own vehicle |
| Uninsured and underinsured motorist | Protects you if you’re in an accident with a driver with no insurance or not enough coverage to pay your expenses |
| Medical payments | Claim-related medical bills |
| Personal injury protection | Helps pay your own claim-related medical bills, regardless of who caused the accident |
Optional coverages
| Coverage type | What it covers |
|---|---|
| Full glass | Your car’s windows, headlights and mirrors after an accident |
| Gap | The difference between the current value of your car and how much you owe on your car loan if it’s stolen or totaled |
| Rental car coverage | Damage to a rental car |
| Rental car reimbursement | The cost of a rental car after a comprehensive or collision claim |
| Roadside assistance | Towing and labor after a car breakdown |
AARP car insurance benefits through The Hartford
The Hartford offers an excellent selection of benefits to AARP members who are at least 50 years old.
| Benefit | What it offers |
|---|---|
| Accident forgiveness | If you’re in an accident and no one on your car insurance policy has had an accident in five or more years, the crash won’t cause your premium to go up |
| Disappearing deductible | Your collision deductible will go down if you drive safely and keep your driving record clean |
| New car replacement | If your new car is totaled, The Hartford will replace it with the same make and model without factoring in depreciation |
| RecoverCare | This benefit helps pay for home services, like house cleaning, if you need them after an accident |
| Roadside assistance | The Hartford offers AARP members 24/7 emergency roadside assistance, including flat tire, locksmith and towing services |
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Teen drivers are 18-year-old men with no tickets or accidents.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.