Headquartered in Hartford, Connecticut, The Hartford debuted in 1810 as The Hartford Fire Insurance Company. Today, the insurer offers a variety of insurance products for individuals and businesses. The company partners with AARP and gives members exclusive perks. Registered AARP members who are older than 50 can even secure a discount of up to 10% off their policy.1 

The Hartford scores well for customer service and has decent availability. But its rates tend to be higher than those of its competitors. Even if you’re set on The Hartford, comparing rates from multiple insurers is the best way to find cheap insurance that meets your needs.

Let’s dive deeper into The Hartford and learn what you can expect from this insurance company.

How The Hartford compares to other insurance companies

The Hartford offers higher premiums and fewer discounts than other insurance companies, such as State Farm, Liberty Mutual, GEICO, and Progressive. But it stands out for its strong customer service, with an 836 customer satisfaction score from J.D. Power.2

  • Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

How The Hartford rates compare to competitors

Compared to competitors, The Hartford’s rates tend to be higher. For example, The Hartford offers full-coverage insurance for $241 per month, while State Farm offers full coverage for $110 per month.

The table below shows full-coverage rates from some of The Hartford’s competitors.

Average cost of The Hartford auto insurance

On average, liability-only insurance from The Hartford costs $175 per month, and full-coverage policies average $241 per month. The national average is $103 per month for liability coverage and $182 monthly for full coverage.

Generally, teens and young drivers pay the highest rates due to their lack of experience. Rates typically decrease around age 25, and seniors experience the lowest rates. But around age 70, senior drivers may see their rates increase due to age-related health concerns.

But The Hartford offers exclusive discounts for older drivers. AARP members older than 50 can secure a discount of up to 10% on a policy from The Hartford, which could help older drivers maintain low rates.

Drivers with an incident on their record, such as a speeding ticket, at-fault accident, or DUI, experience higher rates than drivers with a clean record. Fortunately, The Hartford offers accident forgiveness, good driver discounts, and defensive driver discounts.

The table below lists liability rates from The Hartford for different driver profiles compared to the national average.

The Hartford car insurance cost by state

Your state and city play a major role in the cost of an auto policy, and the exact premium you may receive from The Hartford’s Southeast and Midwest departments may differ. This is due to factors such as climate and population density. In general, The Hartford’s rates are higher than other national insurers.

Here’s a list of the average monthly car insurance rates for The Hartford’s coverage in all 50 states.

The Hartford car insurance discounts

Discounts can help you lower your rates and score a great deal on car insurance coverage. Fortunately, The Hartford advertises several auto insurance discounts that may lead to a lower car insurance quote, including:

  • AARP discount

  • Bundling discount

  • Pain-in-full discount

  • Defensive driver discount

  • Online quote discount

  • Safety feature discount

  • Vehicle safety discount3

How customers feel about The Hartford

On Trustpilot, The Hartford Casualty Insurance Company earned 1.2 out of 5 stars with 140 reviews.4 While The Hartford Financial Services Group received an A+ ranking on the Better Business Bureau (BBB), it’s not accredited and holds 1.09 out of 5 stars based on more than 200 reviews.5 

Most of the negative reviews are about the auto insurance company’s poor claim process and high prices. These sites have minimal positive reviews.

The Hartford customer reviews

Here are real, verified insurance reviews from customers who have had actual experiences with The Hartford.

The Hartford ratings

Ratings from reputable organizations, such as AM Best, J.D.Power, and the NAIC Complaint Index, help demonstrate the quality, reliability, and health of The Hartford.678 As you can see from the table below, The Hartford earned high ratings:

The Hartford car insurance coverage options

Like most car insurance companies, The Hartford offers liability insurance that includes bodily injury and property damage coverage. For drivers who’d like extra protection, The Hartford also offers comprehensive and collision coverages. 

Here’s a look at several other coverage options from The Hartford:

Other options for The Hartford customers

While The Hartford is known for its AARP auto insurance program for older drivers, it offers other types of insurance products that you may purchase through an insurance agent, such as:

  • Home insurance: The AARP Home Insurance program is a homeowners insurance policy that can protect your home, property, and personal belongings after a covered loss, such as a fire or theft.

  • Pet insurance: If you have a pet, pet insurance may cover unexpected vet visits plus prescription medications, office visits, hospital stays, physical therapy, and allergy care.

  • Business insurance for your LLC: As a business owner, you may consider The Hartford’s business insurance products to cover you in the event of a loss, including BOP coverage, general liability insurance, commercial property insurance, and business income insurance.

How The Hartford TrueLane app works

With TrueLane, you can earn discounts on your car insurance by proving that you’re a safe driver. You can lock in a 12% discount just for signing up and up to 25% off at the time of renewal. To use TrueLane, simply download the mobile app, activate it, and start driving.

Your driving score will tell you how well you drive after every trip, and you’ll receive personalized driving tips to improve your score. To increase your score and your savings amount, keep phone usage to a minimum, accelerate carefully, brake slowly, and adhere to all speed limits.

The Hartford insurance FAQs

If you still have questions about The Hartford and its car insurance products, check out the answers below.

  • Is The Hartford legitimate?

    Yes. The Hartford is a legitimate insurance company that’s been around since 1810. It’s a key player in the insurance industry and earned great ratings from reputable organizations, such as AM Best and J.D. Power. It may be a good fit, especially if you have a good driving record and need a new policy.

  • What is the average cost of The Hartford car insurance?

    On average, The Hartford car insurance costs $175 per month for liability coverage and $241 per month for full coverage. Premiums may vary based on driver profile and your desired coverage type.

  • Is The Hartford good at paying claims?

    Since The Hartford and its subsidiaries earned an A+ rating from AM Best and an 812 J.D. Power score, it’s clear that the auto insurer excels at paying claims for its consumers. This can give you peace of mind about a potential claim payment.

  • How do you cancel your insurance policy from The Hartford?

    To cancel an auto policy from The Hartford, contact a representative at 1 (800) 423-6789 if you’re an AARP member and 1 (877) 896-9320 if you don’t have an AARP membership. You’ll be able to connect to the company’s employees. You may also cancel by mail by sending The Hartford a letter at P.O. Box 14219, Lexington, KY, 40512.

  • Is The Hartford Insurance a good company?

    The Hartford is a solid car insurance company with good customer service. It’s certainly worth exploring if the company meets your specific coverage needs or if you’re older than 50 and an AARP member. An independent insurance agent or broker can give you insurance advice and help you find the right policy from The Hartford.

Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

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The Hartford Auto Insurance: User Reviews and Quotes (2025) | Insurify