The Hartford Car Insurance Review for 2024 [See Rates & Discounts Here]
Our The Hartford car insurance review highlights top coverage options starting at $39 per month. The Hartford excels with its AARP car insurance program, offering tailored benefits for retirees and senior drivers. Strong customer service and competitive pricing make it a leading choice for senior car insurance.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The Hartford Insurance
Average Monthly Rate For Good Drivers
$39A.M. Best Rating:
A+Complaint Level:
LowPros
- Specialized policies for retirees and AARP members
- Competitive rates for good drivers
- Comprehensive claims process
Cons
- Coverage options may vary by location
- Fewer mobile app features compared to competitors
This Hartford car insurance review highlights Hartford’s winning combination of comprehensive coverage options, exceptional customer service, and exclusive AARP benefits.
Age is one of the biggest factors affecting the price of auto insurance, but The Hartford stands out with tailored policies for retirees and senior drivers.
The company’s strong financial ratings and reliable claims process further solidify its top-tier reputation.
The Hartford Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.4 |
| Business Reviews | 4.5 |
| Claim Processing | 4.8 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.3 |
| Customer Satisfaction | 4.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 3.9 |
| Plan Personalization | 4.5 |
| Policy Options | 4.1 |
| Savings Potential | 4.3 |
Whether you seek robust protection or specialized perks, The Hartford Financial Services Group, Inc. remains a trusted leader. Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool above to find the best policy.
- The Hartford holds a 4.4 insurance rating for its strong coverage
- It receives excellent customer service ratings for a reliable claims process
- Drivers enjoy exclusive AARP benefits on The Hartford car insurance
The Hartford Average Monthly Car Insurance Rates
The Hartford car insurance company offers a wide range of premiums that vary based on age, gender, and coverage level. This table provides a detailed look at how monthly rates differ based on age and gender.
The Hartford Car Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $215 | $552 |
| Age: 16 Male | $235 | $577 |
| Age: 18 Female | $175 | $407 |
| Age: 18 Male | $201 | $469 |
| Age: 25 Female | $51 | $135 |
| Age: 25 Male | $54 | $143 |
| Age: 30 Female | $47 | $126 |
| Age: 30 Male | $50 | $133 |
| Age: 45 Female | $44 | $115 |
| Age: 45 Male | $43 | $113 |
| Age: 60 Female | $39 | $101 |
| Age: 60 Male | $40 | $103 |
| Age: 65 Female | $43 | $112 |
| Age: 65 Male | $42 | $109 |
The Hartford auto insurance policies are exclusively available to senior drivers who join AARP. It doesn’t sell policies to teens, young drivers, or anyone without an AARP membership.
Only insuring older drivers with AARP car insurance lowers the level of risk, so The Hartford can keep its insurance prices lower for safe drivers. As you can see in the table below, Hartford insurance rates double after just one accident or DUI.
Regardless of age, full coverage always results in higher premiums. Compare The Hartford to the cheapest car insurance companies in the next section to see if it’s still the most affordable option for you.
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Affordable Car Insurance Rates: The Hartford vs. Competitors
When compared to top competitors, Hartford car insurance stands out with lower rates for older drivers but is still more expensive than Geico, State Farm, and Travelers.
The Hartford Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 45 Female | Age: 45 Male |
|---|---|---|
 | $162 | $160 |
 | $115 | $117 |
 | $139 | $139 |
 | $80 | $80 |
 | $171 | $174 |
 | $113 | $115 |
 | $112 | $105 |
 | $86 | $86 |
| $115 | $113 |
 | $98 | $99 |
 | $59 | $59 |
The Hartford’s attractive pricing guarantees that drivers, but comparing offers by provider and history helps reveal the best opportunities for savings.
The Hartford Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $117 | $136 | $176 | $194 |
| $139 | $173 | $198 | $193 |
| $80 | $106 | $132 | $216 |
| $174 | $212 | $234 | $313 |
| $115 | $137 | $161 | $237 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
| $113 | $136 | $165 | $167 |
| $99 | $134 | $139 | $206 |
| $59 | $67 | $78 | $108 |
Although its premiums are much cheaper by driver history than other companies, individuals with spotless driving records get the best rates.
No matter your driving history, The Hartford offers extensive protection and flexibility without exceeding your budget. However, these competitive prices are only available to senior drivers with AARP memberships.
Read More: Cheap Car Insurance Companies That Only Look Back 3 Years
What You Need to Know About The Hartford Car Insurance Coverage
The Hartford offers many different types of car insurance tailored to meet the needs of senior drivers, from basic liability to comprehensive plans.
The Hartford Car Insurance Coverage Options
| Coverage | Description |
|---|---|
| Collision | Covers car damage after a collision regardless of fault |
| Comprehensive | Pays for damage from theft, fire, or weather |
| Gap Insurance | Covers the loan balance if car is totaled |
| Liability | Covers injuries and damages you're liable for |
| Medical Payments | Pays medical bills for you and passengers |
| Personal Injury Protection (PIP) | Covers medical costs and wages regardless of fault |
| Rental Car Reimbursement | Pays for rental during car repairs |
| Roadside Assistance | Provides help for breakdowns and towing |
| Underinsured Motorist | Covers when the other driver has insufficient insurance |
| Uninsured Motorist | Protects if hit by an uninsured driver |
With flexible add-ons, Hartford Insurance ensures policyholders can customize their coverage for maximum protection. Whether you’re seeking standard or enhanced coverage, this flexibility makes it a top choice for those looking to secure reliable, personalized car insurance.
Affordable Rates With The Hartford Car Insurance Discounts
The Hartford car insurance company offers a variety of discounts, designed to lower premiums and reward safe driving, bundling policies, and more. This table shows how much these discounts lower car insurance costs:
The Hartford Car Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Multi-Car | 25% |
| Bundle Home & Auto | 20% |
| Anti-Theft Device | 15% |
| Good Student | 15% |
| Defensive Driving | 10% |
| Paid in Full | 10% |
| Safe Driver | 10% |
| Vehicle Safety Features | 10% |
| Hybrid/Electric Vehicle | 5% |
These savings opportunities make AARP auto insurance with The Hartford a strong contender for budget-conscious senior drivers seeking quality coverage.
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The Hartford Car Insurance Reviews by Businesses
The Hartford senior auto insurance regularly receives excellent reviews for its senior car insurance, showcasing robust client satisfaction and financial security.
The Hartford Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 905 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 1.10 Avg. Complaints |
 | Score: A+ Superior Financial Strength |
Its varied offerings and dependable claims handling make it a reliable choice for companies seeking all-encompassing coverage.
Read more: Filing a Car Insurance Claim After an Accident
The Hartford Car Insurance: Pros and Cons
The Hartford delivers a variety of benefits that make it a strong choice, particularly for older customers and responsible drivers. Below are the most notable advantages of choosing The Hartford car insurance:
- Customized Plans for Seniors: The Hartford provides unique packages tailored for senior drivers, especially through its collaboration with AARP.
- Competitive Pricing for Safe Drivers: Those with clean driving histories benefit from favorable pricing, giving them an advantage over higher-risk individuals.
- Efficient Claims Support: The claims assistance is praised for being thorough and dependable, ensuring customers receive timely support.
These strengths showcase The Hartford’s ability to offer cost-effective and trustworthy insurance, especially for senior citizens and cautious drivers.
Drivers appreciate The Hartford’s blend of flexible coverage and significant discounts.Brandon Frady Licensed Insurance Producer
Despite its strengths, The Hartford does have some limitations. These shortcomings may affect certain clients based on where they live or their service preferences.
- Basic Mobile App Features: Compared to other providers, The Hartford’s app lacks some enhanced functions, which may be disappointing for users who prefer managing their policies digitally.
- State-Specific Coverage Differences: Depending on your region, the options provided by The Hartford may be restricted or altered.
State-by-state differences can be a drawback for individuals looking for uniform protection nationwide. This The Hartford insurance Reddit review shows how drivers in different states get different perks: 
While The Hartford offers excellent rates and discounts to drivers in most areas, you should always compare car insurance rates by state to find the best policy in your city.
Affordable Senior Insurance Rates With The Hartford Car Insurance
Our The Hartford car insurance review finds that this senior insurance company stands out for its comprehensive coverage, excellent customer service, and tailored benefits for AARP members.
Join us October 10-12 to participate in @NAAIAnow’s Fall Career Fair and explore pathways to a successful career with The Hartford. https://t.co/IXF39l9f0P #NAAIACAREERS pic.twitter.com/12nXenxmVM
— The Hartford (@TheHartford) October 10, 2023
With competitive pricing and flexible options, The Hartford remains a top choice for retirees and drivers seeking reliable protection. To save more money, find out if you can deduct car insurance from your taxes.
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
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Frequently Asked Questions
What is The Hartford car insurance rating?
Hartford auto insurance holds a solid 4.4 rating, known for its excellent service and coverage.
Is The Hartford car insurance expensive?
The Hartford offers competitive rates with discounts, making it affordable for many drivers. Enter your ZIP code below to see if it’s the cheapest car insurance company near you.
What is The Hartford Insurance A.M. Best rating?
The Hartford has an A+ rating from A.M. Best, indicating strong financial stability.
How long has The Hartford insurance been around?
The Hartford auto insurance company has been in business for over 200 years. Industry experience is one of the factors that affect the price of car insurance, with more established companies able to provide better prices and stability.
Who owns The Hartford car insurance company?
The Hartford is a publicly traded company, owned by its shareholders. Its largest shareholders are Blackrock Inc. and The Vanguard Group.
Is The Hartford known for insurance?
Yes, The Hartford is well-known for its leadership in the insurance industry.
What products does The Hartford offer?
The Hartford offers auto, home, business, and life insurance products. It’s one of the best companies for cheap full coverage car insurance for seniors.
How big is The Hartford Insurance Company?
The Hartford is a large insurance provider with millions of policyholders and global operations.
Is The Hartford still the insurance capital of the world?
The city of Hartford, CT, home to The Hartford, remains known as the “insurance capital of the world.” Compare car insurance rates by state to see if Hartford insurance remains the cheapest in its home state.
What are the Fitch ratings for The Hartford?
The Hartford holds an A+ Fitch rating, reflecting its strong financial health.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
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