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The Hartford Car Insurance

Smart Score

80

Industry Average: 75

Smart Score

80
/100

Industry Average: 75

Customer Service

8.2
/10

Industry Average: 7.7

Claims Process

8.5
/10

Industry Average: 8

Value for Price

6.9
/10

Industry Average: 7

The Hartford Overview

The Hartford, which was founded more than 200 years ago, is a national insurance company based in Connecticut. In addition to providing auto, home and renters insurance, The comany offers a wide range of other insurance coverages and products, and great savings through bundle deals, credits, rewards and other discount programs. The Hartford auto insurance is tailored to drivers age 50 and older, as the AARP Auto Insurance Program is the company’s flagship auto insurance product. They also sells auto policies to non-AARP members, but the benefits and discounts are not as robust.

Lines of Business:

The Hartford Ratings Breakdown

Smart Score

80

The Hartford: 80
Industry Average: 75
The Hartford: 80
Industry Average: 75

Why our Smart Score matters

The Hartford’s Smart Score of 80 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering The Hartford’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 80, The Hartford rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

8.2

The Hartford: 8.2
Industry Average: 7.7
The Hartford: 8.2
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with The Hartford’s representatives, and their experience with online tools like quoting and managing a policy via website or app. The Hartford’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from The Hartford’s service score of 8.2, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 7.5 and 8.9. With those narrow bounds, we’re confident about the accuracy of their 8.2 rating.

Claims Process

8.5

The Hartford: 8.5
Industry Average: 8
The Hartford: 8.5
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with The Hartford. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast The Hartford handles it.


The Hartford’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with The Hartford.


What does this mean for you?

Evident from a claims score of 8.5, The Hartford has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources are very consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 8.3 and 8.7. With those tiny bounds, we’re very confident about the accuracy of their 8.5 rating.

Value for Price

6.9

The Hartford: 6.9
Industry Average: 7
The Hartford: 6.9
Industry Average: 7

The Hartford’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How The Hartford comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

The Hartford’s value for price score of 6.9 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 5.8 and 8. With those moderate bounds, we’re pretty confident about the accuracy of their rating.

The Hartford Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints The Hartford has than average. With an index of 1.2 The Hartford is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints The Hartford has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) The Hartford has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 1.2 The Hartford is worse than average.

Customer Reviews

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100%

of customers would reccomend this company to a friend

7 customer reviews

Thomas De Mann

Auto Customer

Hartford acts like they want your business. They are very friendly on the phone. They have made two re-imbursements this year so far due to less driving and less claims. I am very happy with them. My policy is renewing and I was able to pick the date that I wanted to pay for the insurance with no questions or reasons asked of me. They are great in all areas.

Price Value: 5

Claim Satisfaction: n/a

Customer Service: 5

Recommend: yes

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Margaret M

Auto Customer

They have always been great to deal with. We have everything auto, home, rv bundled with them so we get an excellent rate. When we had to submit a claim, they were fast in coming out to inspect it. We got paid fairly and quickly. We would recommend this company to anyone.

Price Value: 5

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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Terry Crawford

Auto Customer

Though sometimes the company can be hard to contact at times especially later in the day or evening; the customer representatives are really nice and they really try their best to help; though they aren't always fast at it. They seem to take their time getting the information you need.

Price Value: 2.5

Claim Satisfaction: 3

Customer Service: 2

Recommend: yes

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Patricia R

Auto Customer

We had some financial issues a few years ado and needed to change our due date. The customer service were really nice and helped us set up the changes very easily. Also during this Covid Virus they have given us a discount almost every month since it started.

Price Value: 5

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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Isaac Chen

Auto Customer

I haven't had to interact with my insurer that much, as I share an insurance policy with my parents and they handle the bulk of the interactions with the insurer. We have not had to file any claims while we have used their services, thankfully. One of the things we've participated in is having a device plugged into our car to monitor our driving habits. We've been able to obtain discounts through our safe driving habits. This is the main interaction I've had with the company and so far, things have been positive.

Price Value: 4

Claim Satisfaction: n/a

Customer Service: 4

Recommend: yes

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Gregory L

Auto Customer

I was involved in an auto accident last year. It was my fault and the car was totaled. I quickly made a claim. The adjuster called me back promptly later the same day to ask me about the situation. Their questions were brief and succinct. They didn't keep me on the phone very long and only needed to talk to me once. Without further question they paid my claim fairly quickly, though I cannot remember exactly how long it took. All I know is that the did what they were supposed to in a timely and efficient manner.

Price Value: 2

Claim Satisfaction: 4

Customer Service: 4

Recommend: yes

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The Hartford Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by The Hartford

Available OptionsWhat it meansSee something wrong?
Emergency Assistance Coverage

Covers cost of any emergency services called when involved in an incident

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Comprehensive Claim Forgiveness

Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.

Antique or Collector Car Insurance

Special insurance for antique and collectors cars.

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

The Hartford availability in these states

The Hartford Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe The Hartford has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

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How does The Hartford compare to other insurance companies? Click the following links below to compare The Hartford to other top insurance companies.

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