The Hartford car insurance review March 2019 | finder.com

The Hartford car insurance review

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The Hartford
  • Accident forgiveness
  • 24/7 claims hotline
  • Customized options ideal for drivers age 50+

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Drivers over 50 enjoy special perks for their driving experience and AARP membership.

finder.com’s rating: 4.0 / 5.0

★★★★★

30-second take

  • Get a quote if you want a policy tailor-made for you.
  • Pick something else if you have a poor driving record.
  • Drivers with an AARP membership will like the many perks it provides.
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months
Claims methods online, phone
New car protection Yes, cars under 1 year old & 15,000 miles
Accident forgiveness Yes

Pros

  • 12-month rate protection
  • Lifetime renewability for AARP members
  • First accident forgiveness
  • New car replacement coverage
  • Lifetime car repair assurance
  • RecoverCare post-accident support
  • 24/7 claims hotline

Cons

  • Early cancellation fees
  • Not ideal for drivers under 50
  • Mixed customer reviews
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes, up to 20%
Loyalty discount Yes
Homeowner discount No
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts Paid-in-Full Discount. Get a discount when you pay your premiums in a single, lump-sum payment.
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

What car insurance coverage does The Hartford offer?

  • Liability protection. Pays when you’re at fault for an accident that results in property damage or bodily harm.
  • Collision damage. Pays for damages to your car if you hit another car or object.
  • Comprehensive coverage. Pays for damages not within your control, like those resulting from fire, flooding, hail, theft or vandalism.
  • Personal injury protection. PIP covers medical bills and indirect expenses that result from an accident, filling in the gaps between your medical insurance and actual billed costs.
  • Uninsured motorists. Pays for damages or injuries to you and your passengers caused by a hit-and-run or accidents with uninsured or underinsured drivers.
  • Underinsured motorists coverage. Takes care of the gap between someone else’s policy limits and the actual cost of your medical expenses after an accident.
  • Extended coverage. This takes care of flatbed towing, roadside assistance, full glass replacement and even spare parts coverage.

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What extra benefits and add-ons does The Hartford offer?

The Hartford offers a number of special programs to benefit its policyholders. Members of AARP can expect even more special programs through this provider.

  • 12-month rate protection. This means once you sign up for a policy, you’re guaranteed that rate for the next year.
  • Lifetime renewability for AARP members. As long as you’re able to drive and you pay your premiums, you can be with The Hartford for life. They have a no-drop policy, meaning you won’t lose your insurance for filing a legitimate claim.
  • First accident forgiveness. Keep a clean driving record for five consecutive years, and you qualify for no rate increase if you’re in an accident.
  • New car replacement coverage. If your new car is totaled or stolen, the provider will replace it with the same new vehicle or a similar option that’s worth the same amount.
  • Lifetime car repair assurance. The Hartford backs the workmanship of any repairs made under a claim for the lifetime of your policy — so if anything shakes loose after you leave the auto shop, you’re covered.
  • RecoverCare post-accident support. This pays up to $2,500 for help with cooking, cleaning, grocery shopping, and transportation if you’re injured in an accident.
  • Disappearing deductible. Your deductible is reduced for every year you go without an accident.
  • Waiver of deductible. If you are not at fault in an accident, The Hartford will waive your collision deductible.
  • Combined deductible. If you have multiple vehicles or other properties insured with The Hartford, you’ll only pay the higher of the two deductibles when making a claim that involves both.
  • $100 deductible reduction. If you use an authorized repair shop, The Hartford will reduce your collision deductible by $100 if you are not at fault.
  • AARP member benefits. AARP members can get better rates on auto insurance, discounts with associated companies, and more.
  • Mobile app. The Hartford offers a mobile app that allows customers to view ID cards, manage their policy, and more.

What discounts can I get with The Hartford?

The Hartford’s auto insurance coverage is one of the most affordable options for mature drivers. However, it also offers a variety of discounts to help drive down the price:

  • Anti-theft device. Get better rates when your vehicle is equipped when anti-theft technology.
  • Air bags. Get better rates if your vehicle has factory-installed airbags.
  • Vehicle fuel type. Receive an additional discount when you insure hybrid or electric vehicles.
  • Driver training discounts. Drivers under 21 can get a discount for successfully completing an approved training course.
  • Good student discounts. Students between 16 and 25 can get a discount for maintaining a B average, 3.0 GPA, or placing in the upper 20% of their class.
  • Defensive driver course. Get a discount that lasts for 3 years when you complete a defensive driving course.
  • Bundle insurance savings. Get a discount when you add multiple vehicles to your policy or bundle your auto insurance with home, condo, or renters insurance.
  • Paid-in-full discount. Get a discount when you pay your premiums in a single, lump-sum payment.

Pros and cons of The Hartford car insurance

Pros

  • Great customer reviews. The Hartford’s website has almost 30,000 customer reviews with an average rating of 4.8 out of 5 stars.
  • Loads of benefits. Policies come with a number of extra features and benefits, even more so for those who are members of AARP.
  • 24/7 claims hotline. You’ll have access to customer service at all hours — because problems don’t just come up during the normal workday.

Cons

  • Early cancellation fees. If you cancel a policy before your term is up, you could be hit with a fee of 10% of your policy or more.
  • Geared toward ages 50+. The Hartford partners with AARP for its individual insurance services and some of its policy options may not be optimal or even available for younger people.
  • Bad for high-risk drivers. The Hartford’s auto insurance options are geared toward mature and experienced drivers Those with multiple infractions or who are considered high-risk drivers may end up paying more than they need to.
  • Limited online access. This provider claims that you can get a quote online, but the tool rarely works. To get a quote and purchase coverage, you’ll need to make a phone call or visit an agent.

How to apply for The Hartford car insurance

Applying for coverage with The Hartford can be done by phone or in person through an agent. While the company advertises an online quote tool, it rarely works, so your best bet is to speak with an agent. To get a quote, start by calling 1-888-413-8970 to speak with an agent and find out how to move forward. Here’s what you’ll need:

  • Name and date of birth
  • Residential address
  • Contact information including email and phone number
  • Vehicle information including daily commuting distance
  • Claim and insurance history
  • Education history and employment status

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What do customers say about The Hartford?

The Hartford has an A- independent rating from the BBB and is not accredited, although that doesn’t necessarily reflect badly on the company. BBB accreditation isn’t mandatory, and seeking that accreditation doesn’t suit all businesses.

The Hartford is rated excellent in terms of financial stability, receiving an “A” grade from Standard & Poors and similar marks from other institutions, for an overall BBB composite score of 3.23 out of 5 stars. However, the company received nearly 300 customer complaints, with the majority focused on problems with their products/services and billing/collection issues.

TrustPilot gave a more favorable score of 9.4 out of 10 stars, and 91% of the customers who reviewed The Hartford there gave it an “excellent” rating. Many of the customer reviews praised the insurance company for their great customer service and ability to help them save money.

How to contact The Hartford

The Hartford’s cancellation policy

What is The Hartford?

The Hartford is a Fortune 500 financial services group, founded in 1810 and headquartered in Hartford, Connecticut. It partners with AARP to provide home and auto insurance, dividing its earnings among property-and-casualty operations, mutual funds and group benefits.

The Hartford was initially founded as a fire insurance company over 200 years ago by a group of merchants on a budget of $15,000. Over the years, it has insured the construction of the Hoover Dam, the Golden Gate Bridge and the St. Lawrence Seaway. Today, it’s one of the largest property and casualty companies in the country, offering a wide variety of auto insurance policies.

Alternatives to The Hartford

Name Product Roadside assistance New car protection Available states
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

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Bottom line

While The Hartford’s individual policies might be geared toward older policyholders, this provider most likely has a plan that suits your car insurance needs and requirements. If you’re looking for great coverage with a suite of additional benefits, The Hartford’s auto insurance policies might be right for you.

Since insurance rates and levels of coverage vary based on your driving history and needs, you could qualify for more affordable insurance with another provider. Narrow down your options by comparing top providers to make an informed decision.

Frequently asked questions about The Hartford

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Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.

Andy Frakes

Andy's background in journalism and experiences with endurance sports have left him hungry for challenges, and he finds plenty to conquer with the finder team. When he isn't writing the best car insurance articles on the Internet, he's probably out shooting photos, hunting for bargains in SoHo or eating breakfast food (yes, for the third time today).

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