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The Hartford auto insurance review 2020

Fact-checked with HomeInsurance.com

The Hartford Group is an American institution when it comes to the insurance industry. It began in 1810 as a fire insurance company and grew to offer insurance products. In 1984, The Hartford won the contract to partner with AARP to provide home and auto insurance to members. The Hartford is now one of the best choices for rideshare drivers, students and other drivers throughout the U.S.  

The Hartford Quickpoints

  • Average full coverage auto premium: $1,572
  • Region offered: The Hartford offers insurance in all 50 states
  • Market share: .080%
  • AM Best rating/financial strength profile: A- (Excellent)
  • J.D. Power auto claims satisfaction rating: 4/5
  • Specialty coverages: high value and luxury vehicles, classic cars, rideshare driver protection, and electric vehicles
  • Eligibility requirements: Must be 50+ years of age, a member of AARP and possess a valid driver’s license and current vehicle registration

The Hartford customer satisfaction and complaints

The Hartford’s ranks #1 for mid-sized providers and receives a J.D. Power score for overall customer satisfaction of 895. It also receives better than average scores for claim satisfaction, at 3 out of 5 J.D. Power circles. 

For The Hartford, this indicates policyholders have a more positive experience with insurance shopping, claims handling and outcome and agent interactions.  As an independent body, J.D. Power evaluates various factors that contribute to auto claim satisfaction. Factors as of 2020 include an easily-accessible website for filing claims, as well as the carrier’s ability to approve claims. 

How factors affect The Hartford’s auto insurance rates

The Hartford’s rates are fairly consistent with the national average cost of car insurance. For full coverage, The Hartford averages $1,572 annually, and minimum coverage comes in at an annual average of $472. 

However, these rates can be significantly impacted by your driving record and other factors, as indicated in the table below. For the sake of comparison, note that the “average” rates below reflect full coverage. 

Average rateAccidentSpeeding ticketPoor credit
$1,572 $2,358$2,052 $3,061 

Quadrant data services, 2020

How driving record affects The Hartford’s car insurance rates 

Accidents

When you get into an accident, it can stay on your motor vehicle record for years. Each state varies in how long an accident can stay before it drops off your record, so check with your state’s Department of Motor Vehicles. How an accident affects your rate — and the length of time it stays on record — may depend on the severity of the accident (i.e., the charges and tickets faced). Fortunately for members, The Hartford offers first accident forgiveness. Typically, The Hartford looks at your three to five last years of your driving record when determining rates. No-fault auto insurance is available for some members, largely depending on where you live. Speak to a Hartford agent if you have concerns about your rates being affected by an accident on your record.

Speeding ticket

The more speeding tickets a driver has, the higher risk it is to ensure that person. Statistically, speeding tickets represent higher driving risk. The Hartford (or any insurance company) will perform a risk assessment prior to generating your quote, so speeding tickets can have a significant impact. As with accidents, how long a speeding ticket is on your record depends on your state’s laws. You may be able to take defensive driving to have a speeding ticket removed from your record, and with some providers, that could even lead to a discount on your premium. 

How having poor credit affects The Hartford’s car insurance rates

Poor credit from an insurance provider’s point-of-view is more than just a FICO score. Insurance companies assign an insurance score to you based on multiple factors, including your credit history. Much like speeding tickets, this is a risk assessment. Unless you reside in California, Hawaii, or Massachusetts, where insurance companies are prohibited from accessing credit information, your score can positively or negatively impact your overall auto insurance rates.

The Hartford auto insurance discounts

Unique discounts and coverages offered by The Hartford 

The Hartford offers an elite Advantage Program for its AARP members. According to The Hartford, the program includes the following discounts and coverage perks:

  • Lifetime car repair assurance – it gives members access to 1,600 Hartford-authorized repair shops where Hartford pays for any bad repairs.
  • New car replacement coverage — if you total your new car within 15 months of ownership or 15,000 miles after purchase, and it is totaled, Hartford replaces it with the same model, make, and any custom equipment.
  • RecoverCare coverage — if you are injured in an accident, the company will help pay for home services like lawn care, snow removal, etc.
  • Locking premiums — the 12-month insurance rate protection insures your premium stays the same for that year.

Disappearing deductible 

A unique savings program offered with The Hartford Advantage Program is the “disappearing deductible.” It essentially guarantees that as long as all insured drivers keep a clean driving record, the collision deductible is reduced every year, all the way to $0. Disappearing deductibles typically reset in the event of a claim, but for every uneventful driving year, you can take advantage of extra savings.

The Hartford auto insurance premium length

The Hartford offers annual, 12 month auto insurance policies. However, in cases of dire emergencies or death, The Hartford does make exceptions. If you need to switch policies mid-term, it’s important to speak with an agent, as fees or penalties may apply. 

The Hartford vs. other insurance companies

In the table below, you can compare The Hartford to other providers and see how rates, customer satisfaction and financial strength ratings stack up. It’s important to note that the overall customer satisfaction score represents that provider among similar sized providers. In this case, The Hartford scores well among mid-sized providers.

CompanyJ.D. Power Score/1,000 (Overall)J.D. Power Score/5 (claims satisfaction)AM BestAverage rate full coverage
The Hartford8954/5A- (Excellent)$1,572
AAA8693/5A (Excellent)$1,948
Allstate8584/5A+ (Superior)$1,896
American Family8783/5A (Excellent)$1,218
Amica8615/5A+ (Superior)$1,449
Auto-Owners8695/5A++ (Superior)$1,308
Erie8805/5A+ (Superior)$1,141
Farmers8492/5A- (Excellent)$1,540
GEICO8754/5A++ (Superior)$1,260
MetLife8612/5A+ (Superior)$1,923
Nationwide8622/5A+ (Superior)$1,533

The Hartford mobile app and digital experience

The Hartford is an older company focused on new times. It worked hard to provide a fully responsive experience on its apps, available for Android, iOS and Google Play. The app offers tech-forward options for policy access and management:

  • Fingerprint login on app
  • Digital app ID card
  • Roadside assistance
  • App claim submission

Its website provides extensive answers to any insurance question you may have. It also lists ways to contact the company or a Hartford agent quickly by email or phone.

Alternative insurance products offered by The Hartford

In addition to auto insurance, The Hartford offers home insurance products to its members. In addition to AARP member discounts, homeowners who obtain their insurance through The Hartford can take advantage of these unique discounts:

  • Fire protection
  • Retiree credits
  • Home security system
  • Auto and home bundle
  • Claim-free discount

In the spotlight 

  • The Hartford is the exclusive insurance provider to AARP members.
  • J.D. Power ranks The Hartford auto insurance four out of five Power Circles for claim satisfaction, which is higher than average for the industry.
  • The Hartford offers a sleek app for user accessibility and policy management.
  • You must be an AARP member and over 50 years old to quality for auto insurance through The Hartford.
  • The Hartford is involved in the community with its COVID-19 resource center and Ability Equipped Program

Methodology

Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using The Hartford’s premiums written. Quoted rates are based around the profiles of a 30 year male and female with a clean driving record, good credit and the following full coverage details:

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

An accident was defined as an at-fault accident with $3k in property damage. A speeding incident was defined as speeding 16-20 MPH over the limit.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only – your own quotes may be different.

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