Through a partnership with the American Association of Retired Persons (AARP), The Hartford offers auto insurance to AARP members who are 50 years of age and older. For those who qualify, The Hartford offers full-coverage car insurance, plus numerous optional coverages, and premium auto insurance packages that are loaded with benefits. The Hartford backs its policies with a solid financial foundation and provides customers and shoppers an exceptionally smooth shopping experience.
- Pros and Cons
- Company Overview
Premium package available in most states for additional coverage
Offers a discount for drivers of hybrid and electric vehicles
Sound financial rating
Well-ranked by customers for claims experience by J.D. Power
Only offers insurance to AARP members, who must be 50 or older
Does not offer ridesharing coverage
- Official Website www.thehartford.com
- Insurance Offered Auto, commercial auto, business, homeowners, renters, and more
- Customer Service Available by phone (877-896-9320), Monday to Friday, 8 a.m. to 9 p.m. Eastern Time, Saturday, 8 a.m. to 6 p.m. ET.
- Year Founded 1810
The AARP Auto Insurance Program from The Hartford Coverage
The Hartford offers a complete selection of standard auto insurance coverages, including:
- Liability (bodily injury and property damage)
- Personal injury protection
- Medical payments
- Uninsured and underinsured motorist
To round out your car’s protection, The Hartford also offers several endorsements, which may include:
- Rental car reimbursement
- Towing and labor
- Full glass coverage
- Loan/lease (gap) insurance
In most states, The Hartford offers car insurance through the Advantage coverage plans, to which you can add the above endorsements. However, if you’d like additional endorsements, the company offers a premium package called Advantage Plus. Here’s a comparison of some standout features of the two packages, although they may vary by state:
|Advantage Program||Advantage Plus Program|
Factors That Affect Your Cost
Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle and how you use it (personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium.
The AARP Auto Insurance Program from The Hartford Discounts
The Hartford offers a limited number of discounts to help you save some dough on your premium.
- Driver Education discounts: Good student, driver training, defensive driving course
- Loyalty discounts: Multi-policy (up to 5% on auto), paid in full
- Safety discounts: Air bags, anti-theft devices, TrueLane telematic app
- Other: Electric/hybrid vehicles
The AARP Auto Insurance Program from Hartford Availability
The Hartford writes auto insurance policies in all states and Washington, D.C. State insurance laws vary, so some coverage features, credits, and discounts may not be available in all locations.
You must be an AARP member to purchase car insurance from The Hartford. AARP membership is open to individuals age 50 and older. However, membership comes with a free secondary membership for another adult in your household, who can enjoy many of the same benefits and discounts.
AARP membership costs $16 per year or $12 if you auto-renew. Membership entitles you to hundreds of discounts offered by hotels, insurance companies, pharmacies, rental car companies, and more. You can purchase a membership at the AARP website, or through The Hartford when you buy a car insurance policy. However, you can get a quote from The Hartford’s site without a membership number, which is ideal because it means you can compare the quote with others you’ve collected as part of your car insurance shopping process.
How to Get a Car Insurance Quote from The Hartford
The Harford offers auto insurance quotes over the phone (888-546-9099), Monday to Friday, 7 a.m. to 11 p.m. ET, and Saturday to Sunday, 8 a.m. to 6 p.m. ET
You can also request a quote online. The online quote process guides you through a series of questions and takes just a few minutes. While not required, The Hartford gives you the option to enter your Social Security number and your car’s vehicle identification number for a more accurate quote.
After completing the questionnaire, the system generates your quote and allows you to adjust standard coverages or add optional ones. The online quote system automatically applies discounts for which you or your automobile qualify.
How to File a Claim with The Hartford
The Hartford gives you three ways to report an auto insurance claim:
- Call the 24/7 claims hotline at 800-243-5860
- Log into your Hartford account online
- Use The Hartford mobile app
Once you file, The Hartford will assign a personal representative to guide you through the claims process. The representative will collect details about the accident, and may request additional documentation, like photos. You can track the progress of your claim online, in your Hartford account, or using The Hartford mobile app.
The Hartford Customer Service
|Study||How The Hartford Fared|
|J.D. Power 2020 U.S. Auto Claims Satisfaction Study||#4 out of 24|
|J.D. Power 2020 U.S. Auto Insurance Satisfaction Study||
#4 out of 11 in the Northwest region
|J.D. Power 2020 U.S. Insurance Shopping Study||#1 out of 12 in the mid-size insurer category|
|J.D. Power 2020 U.S. Digital Experience Study||
#6 out of 19 for digital service
In J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, The Hartford was ranked in four out of 11 U.S. regions. The Hartford earned an average of 824 out of 1,000 overall customer satisfaction index points, lower than the national average of 833.
In Power’s 2020 U.S. Auto Claims Satisfaction Study, The Hartford ranked #4, earning 888 out of 1,000 overall customer satisfaction index points, compared to top-ranking NJM Insurance, which earned 909 points.
Digital Service and Shopping Experience
In the J.D. Power 2020 U.S. Insurance Digital Experience Study, The Hartford ranked #6 out of 19 in the service category and #19 out of 22 in the shopping category, which indicates that policyholders were happy with the digital tools, but found the online shopping experience frustrating. Yet The Hartford ranked #1 in the mid-size insurers category in the J.D, Power 2020 U.S. Insurance Shopping Study, which indicates you might want to call for your quote for a more pleasant experience.
However, we were impressed with The Hartford’s smooth-as-silk online quote system, which gives shoppers the option to adjust coverages, add optional coverages, and buy a policy. The Hartford also offers a mobile app, available for Android and Apple users. The app features fingerprint login and a digital insurance ID card and enables users to file a claim, pay bills, and request roadside assistance.
When shopping for car insurance, it’s important to choose a provider that has the financial backing to meet its claims obligations. AM Best, an insurance industry leader in financial analysis, gives The Hartford an A+ (Superior) rating, which means the carrier has an excellent ability to pay its claims.
Other Insurance Provided by The Hartford
The Hartford offers a selection of insurance products that meet the needs of active AARP members, including these coverages:
- Classic car
- Golf cart
- Homeowners, renters, condo, and other property insurance
Compare Other Car Insurance Reviews
If you don’t qualify for The Hartford car insurance, or you feel that it’s just not the best fit for you, consider one of these great insurers.
- The Hartford offers affordable auto insurance for AARP members and qualified members of their households.
- The Hartford’s premium car insurance packages help increase your protection.
- Active seniors and retirees can turn to The Hartford for a wide range of insurance needs, to cover a vacation condo, classic car collection, or golf cart.
- The Hartford’s digital tools make it easy to get a quote, file a claim, pay your premium, or request roadside assistance.
The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.
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AARP. "Membership FAQs," see "How old do I have to be to join?" Accessed Nov. 4, 2020.
AARP. "Join AARP." Accessed Nov. 4, 2020.
The Hartford. "Car Insurance Claims." Accessed Nov. 4, 2020.
J.D. Power. "Auto Insurance Websites Surpass Agents in Importance to Customer Interaction, J.D. Power Finds." Accessed Nov. 4, 2020.
.D. Power. “Auto Insurance Claims Satisfaction Climbs to Record High as Carriers Refine Customer Experience During Pandemic, J.D. Power Finds.” Accessed Nov. 4, 2020.
J.D. Power. "Property & Casualty Insurers Raise Digital Games as COVID-19 Elevates Customer Expectations, J.D. Power Finds." Accessed Nov. 4, 2020.
J.D. Power. "Direct-to-Consumer Auto Insurers Take Top Honors in Shopping Study as New Normal Arrives for P&C Industry, J.D. Power Finds." Accessed Nov. 4, 2020.
AM Best. "The Hartford Financial Services Group, Inc." Accessed Nov. 4, 2020.