The Hartford Auto Insurance Review: Quotes and Service (2022)

The Hartford Insurance ranks as an average insurer based on MoneyGeek's grading methodology. It has an excellent score for complaint resolutions and is above-average in terms of financial stability. However, it receives average scores for affordability, customer satisfaction and discounts. The Hartford Insurance partners with AARP and thus often sells car insurance policies to drivers aged 50 and above. It provides policyholders with the add-on option of full glass coverage, which is unusual among most insurers.

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Last Updated: 4/6/2022
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3/5

discounts

5/5

complaints

3/5

satisfaction

4.5/5

stability

2.3/5

affordability


pros

This is an iconInexpensive for teen drivers
This is an iconOffers full glass coverage as an add-on, which is relatively rare
This is an iconOffers anti-lock and alternative energy discounts, which is unusual

cons

This is an iconExpensive premiums for drivers with a speeding ticket

Verdict

The Hartford has an average service reputation, with an excellent score for complaint resolution and scoring well for customer satisfaction. For the most part, car insurance from The Hartford is neither expensive nor inexpensive compared to other insurers, regardless of coverage level, age or driving history.

To find out more about The Hartford and other insurers, visit MoneyGeek's resources on the cheapest and best car insurance companies. If you're interested in comparing The Hartford with other insurers, you can use MoneyGeek’s tool for comparing auto insurance companies.

How Does The Hartford Rank for Customer Service?

The Hartford ranks among the best car insurance companies in most third-party rating agencies, such as J.D. Power and the Better Business Bureau (BBB). Overall, the company receives fewer customer complaints compared to its size and may make a good option for drivers looking for a provider with solid financial stability.

Customer Satisfaction Rating

First Notice of Loss:
4/5
Estimation of Process:
4/5
Repair Process:
4/5
Claims Servicing:
4/5
Rental Experience:
4/5
Settlement:
5/5

According to data provided by J.D. Power The Hartford earns a score of 833 out of 1,000 on their customer satisfaction rating scale. The industry average is 835, so The Hartford is quite similar to a typical insurance company in this regard. J.D. Power's data also created these star ratings, allowing you to see how this company scores in several specific categories.

Customer Complaint Ratio

The Hartford

The National Association of Insurance Commissioners (NAIC) is a national regulatory body that provides insight into the number of public complaints filed against insurance providers each year. Each company is scored by measuring the complaint index relative to the national median, which is 1.00. Scores above this figure mean that the company received more complaints than required. The Hartford insurance partners with AARP, which has a score customer complaint ratio of 0.28.

The Hartford Auto Insurance Quotes: How Much Does it Cost?

We averaged car insurance rates for a sample driver, with information obtained from The Hartford in two of the 51 states in which it does business. The company charges an average of $1,497 per year, which is neither inexpensive nor costly compared to other insurance firms.

Coverage from The Hartford is neither cheap nor expensive for most types of drivers. This includes drivers buying full coverage insurance or minimum coverage. Premiums for drivers with violations such as speeding are expensive but inexpensive for young drivers.

To get the cheapest auto insurance, make sure to obtain and compare quotes from at least a few insurers. If your first concern is not the cost of vehicle insurance, look at the company’s complaint rates, customer satisfaction scores and other measures used to determine the overall value of an insurance firm.

Average Annual Cost of Car Insurance with The Hartford versus National Average

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  • Driver Type
    Hartford Average Rate
    National Average
  • Full Coverage
    $1,497
    $1,366
  • Minimum Coverage
    $741
    $646
  • Speeding Ticket on Record
    $2,283
    $1,873
  • 18-Year-Old Driver
    $3,648
    $4,193

Is The Hartford Car Insurance Expensive or Cheap? Why?

The Hartford offers neither cheap nor expensive drivers with full or minimum coverage. While the insurer's plans are reasonably priced, they charge younger drivers — generally seen as risky due to their lack of experience — less than most competitors. At the same time, you may find coverage for drivers with a traffic violation expensive.

Insurance company rating calculations aren’t transparent, and most charge more for extra coverage, bad credit scores and young drivers. With respect to young drivers, The Hartford is an exception to the rule.

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Discounts Offered by The Hartford That Can Help You Save

Discounts can help make car insurance from The Hartford even more affordable. The insurer provides most of the typical discounts you’d expect, including bunding, defensive driving and airbag. However, it does not offer discounts for insuring multiple cars, being a good student or having a history of safe driving.

Regardless, The Hartford does offer two unique discounts most other insurance companies seldom do, being discounts for anti-lock and alternative energy.

Compare The Hartford Directly With Other Car Insurance Companies

MoneyGeek offers the resources necessary to assist you in comparing The Hartford to other major insurance providers operating in your state. Our comparison tool shows how The Hartford ranks when comparing customer service, pricing and unique coverages. Additionally, the tool will direct you to other information that will assist you in comparing various insurers.

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Does The Hartford Offer Broad or Unique Coverage?

Like all car insurance companies, The Hartford typically offers liability, collision and comprehensive insurance. It further provides the option of add-on standard coverages such as roadside assistance, rental and travel reimbursement, accident forgiveness, gap insurance and deductible modification. Note, however, that The Hartford does not have add-on coverages for new car replacement or better car replacement.

The insurer does have one unique add-on coverage, which is full auto glass insurance. This covers damage to your car’s headlights, mirrors and windows with no deductible required.

What Online Auto Insurance Tools Does The Hartford Offer?

The Hartford auto insurance offers standard coverage options with various add-ons and discounts to AARP members and non-members. For effective and prompt service, The Hartford provides customers with various support tools and pricing options.

  • Type of Feature
    Description
  • Calculators
    You will need to provide information such as your ZIP code, age, marital status, and credit score to obtain a custom cost for your coverage using The Hartford calculator.
  • Online Price Quotes
    To get an estimate for your car insurance premium, visit the company website. You can also save and retrieve past quotes.
  • Online Bill Pay
    Once you create an account, you can pay your bills online.
  • Online Claims
    If you get involved in an accident and don’t have The Hartford's customer service phone number, you can file and track your claims online.
  • Mobile App
    Pay bills, view account details, request roadside assistance and manage claims through the mobile app.

Other The Hartford Insurance Products

The Hartford offers several other insurance products at competitive rates. Bundling your car insurance with any of these products can mean big savings on your premiums.

  • Type of Product
    Description
  • Homeowners Insurance
    The Hartford homeowners insurance covers damages to your home and personal property, temporary living expenses if your home is inhabitable and more.
  • Renters Insurance
    Renters insurance protects policyholders’ belongings from incidents such as fire, theft and storms. Coverage includes liability claims, living expenses, property damage and medical payments.
  • Umbrella Insurance
    Offers additional coverage for specific lawsuits and claims that exceed the limits of your existing insurance coverage.
  • Condo Insurance
    This coverage protects you from personal property loss, personal liability and other expenses related to your condo. You can customize the coverage based on your needs and budget.
  • Flood Insurance
    While most insurers do not provide flood insurance, AARP flood insurance coverage from The Hartford provides customers with this option.

Financial Strength

AM Best evaluated car insurance companies to assess their ability to meet financial obligations to customers. The Hartford insurance received an A+ rating from AM Best, which means its ability to pay out claims is superior.

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How to Make a Car Insurance Claim With The Hartford

If you are a policyholder, you can file a claim online through The Hartford’s website. You can also file a claim over the phone or through the mobile app, which allows you to document an accident and initiate the claim process.

Contact The Hartford Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources