The Hartford Car Insurance Review

Auto insurance for seniors and their families, backed by solid financial ratings

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The Hartford AARP Insurance Program

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
Pros and Cons
Pros
  • 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

Cons
  • Only offers insurance to AARP members, who must be 50 or older

  • Does not offer ridesharing coverage

Company Overview
  • 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 Hartford Car Insurance 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 
  • Collision 
  • Comprehensive

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
  • Single deductible for a loss involving two vehicles

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
  • New car replacement coverage (up to 15 months or 15,000 miles)

  • RecoverCare (personal services following an accident with injuries)

  • No-deductible windshield repair service 

  • Legal representation for accidents

  • All of the coverage and benefits of Advantage plan

  • Accident forgiveness (must qualify)

  • Disappearing collision deductible (must qualify)

  • Deductible waiver for not-at-fault accidents

  • $100 collision deductible with in-network repair shop service

  • Emergency expense coverage (pays up to $1,000 after a covered loss more than 100 miles from home)

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 (business, 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 Hartford Car Insurance Discounts

The Hartford offers a limited number of discounts to help you save some dough on your premium.

  • Youth discounts: Good student, driver training 
  • Loyalty discounts: Multi-policy (up to 5% on auto), paid in full
  • Safety discounts: Air bags, anti-theft devices, defensive driving course, TrueLane telematic app
  • Other: Electric/hybrid vehicles

The Hartford Car Insurance 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 The Hartford car insurance. 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 $12 for the first year, and $16 per year after that. 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 The 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 The Hartford account, or using your 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
#4 out of 12 in the Southwest region
#8 out of 12 in the Florida region
#12 out of 14 in the Mid-Atlantic 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 
#19 out of 22 for digital shopping

Overall Satisfaction 

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.

Auto Claims 

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.

Financial Stability 

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: 

  • ATV
  • Boat
  • Classic car
  • Snowmobile
  • Golf cart
  • Commercial auto insurance
  • Homeowners, renters, condo, and other property insurance
  • Business 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.

Final Verdict
  • 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.

Methodology

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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. The Hartford. "Types of Car Insurance Coverage." Accessed Nov. 4, 2020.

  2. The Hartford. "Compare Car Insurance Rates and Quotes," see "Advantage Program vs. Advantage Plus Program." Accessed Nov. 4, 2020.

  3. The Hartford. "Car Insurance Discounts and Savings." Accessed Nov. 4, 2020.

  4. The Hartford. "AARP Auto Insurance From The Hartford." Accessed Nov. 4, 2020.

  5. AARP. "Membership FAQs," see "How old do I have to be to join?" Accessed Nov. 4, 2020.

  6. AARP. "Join AARP." Accessed Nov. 4, 2020.

  7. The Hartford. "Car Insurance Claims." Accessed Nov. 4, 2020.

  8. J.D. Power. "Auto Insurance Websites Surpass Agents in Importance to Customer Interaction, J.D. Power Finds." Accessed Nov. 4, 2020.

  9. .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.

  10. J.D. Power. "Property & Casualty Insurers Raise Digital Games as COVID-19 Elevates Customer Expectations, J.D. Power Finds." Accessed Nov. 4, 2020.

  11. 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.

  12. AM Best. "The Hartford Financial Services Group, Inc." Accessed Nov. 4, 2020.