Review
Updated
This auto insurer is a good fit for: Adults 50 and older seeking comprehensive and affordable auto insurance.
Best for seasoned driversThe Hartford
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Fair = PoorThe Hartford Car Insurance Snapshot
Pricing
The Hartford generally offers competitive rates, especially for senior drivers with clean records. But exact costs vary by location and the driver's accident history.
Discounts
The company doesn't offer quite as many car insurance discounts as some of its competitors. But the discounts it does have should appeal to a wide swath of drivers.
Perks
The Hartford offers RecoverCare, which helps drivers pay for services like house cleaning or lawn care if they're injured in a covered car accident.
Customer service
The insurer has received mixed customer service reviews. It's scored quite well in some areas, but in others, like claims satisfaction, it lags behind.
Full The Hartford auto insurance review
Pros
- Flexible policies
- RecoverCare
- Lifetime car repair assistance
Cons
- Only available to AARP members
- Mixed customer service reviews
The Hartford auto insurance at a glance
Monthly premium costs:
- 35-year-old female with clean driving record: $209.83
- 35-year-old male with clean driving record: $209.83
- 35-year-old female with one accident: $313.75
- 18-year-old male with clean driving record: $440.92
Coverage options:
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Underinsured motorist
- Personal injury protection (PIP)
- Medical payments
- Collision
- Comprehensive
- Full glass coverage
- Car towing
- Personal umbrella
- Gap insurance
- Rental car reimbursement
- Accident forgiveness
- Disappearing deductible
- Roadside assistance
- New car replacement
- RecoverCare
Top perks
Flexible policies
The Hartford offers comprehensive auto insurance policies that include all protections required by state law. Drivers can also customize their plans with a variety of extras, including less-common options, like new car replacement.
RecoverCare
The Hartford's unique RecoverCare option assists drivers if they're unable to perform basic tasks following an injury in a car accident. The company will pay for alternate transportation if the policyholder is unable to drive to work following an accident. It will also cover things like the cost of house cleaning, lawn maintenance, or snow removal if the policyholder can't do these tasks themselves.
Lifetime car repair assistance
Drivers are able to choose any repair shop they want. But if they opt for one of the 1,600-plus shops in The Hartford's network, the insurer will stand by those repairs for as long as the driver owns or leases the vehicle.
What could be improved
Only available to AARP members
Drivers can only purchase an auto insurance policy through The Hartford if they are an AARP member. Only adults 50 and older are eligible to join this organization. Younger drivers will have to explore other options for auto insurance.
Mixed customer service reviews
The Hartford fared well in several regions in J.D. Power's latest customer satisfaction survey, even taking the top spot a few times. But it also earned some below-average scores in some regions, as well as for overall claims satisfaction.
Alternatives to consider
2024 Award Winner
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
Best for bundling home and auto insuranceNationwide
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
For drivers of all ages looking for cheap car insurance: Geico is a top choice. It consistently offers affordable rates to drivers of all ages and has a long list of driver discounts. But it doesn't offer some of the special perks, like RecoverCare, that The Hartford has.
For seniors who aren't AARP members: Nationwide could be a good fit. It's known for offering affordable rates to senior drivers, and it doesn't require dricers to be a member of AARP to apply. But it doesn't have the strongest customer satisfaction ratings.
Monthly premium costs
The Hartford's auto insurance premiums are generally affordable, especially for those who have clean driving records. But exact rates depend on the driver's accident history, where they live, and the type of vehicle they own, among other things. It's best to get a quote from The Hartford to see what it can offer a specific driver.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $209.83 | $209.83 | $313.75 | $440.92 |
Data source: The Ascent's analysis of standardized personas.
Discounts available
- Multi-policy
- AARP member
- Paid in full
- Online quote
- TrueLane Program
- Vehicle safety feature
- Hybrid/electric vehicle
- Driver training
- Defensive driver
- Homeownership
- New vehicle
- Non-resident student
The Hartford doesn't offer quite as many auto insurance discounts as some of its competitors, but the discounts it does offer should appeal to a wide variety of drivers.
Coverage options
Policy types
- Auto
- Classic car
- RV
- ATV/UTV
- Boat
- Golf cart
- Snowmobile
The Hartford covers most common vehicle types, including classic cars, boats, and RVs. So it's a good fit for drivers looking to insure multiple vehicles in one place.
Coverage types
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Underinsured motorist
- Personal injury protection (PIP)
- Medical payments
- Collision
- Comprehensive
- Full glass coverage
- Car towing
- Personal umbrella
- Gap insurance
- Rental car reimbursement
- Accident forgiveness
- Disappearing deductible
- Roadside assistance
- New car replacement
- RecoverCare
The Hartford offers all the key protections drivers expect from their auto insurer as well as some pretty unique offerings. Its RecoverCare option, in particular, could be especially useful following a serious accident.
Customer service and ratings
Customer satisfaction reviews for The Hartford have been mixed. It earned the top spot in the Florida and Northwest regions of J.D. Power's latest U.S. Auto Insurance Study, but it fell toward the bottom of the pack in the Mid-Atlantic region. It also received below-average scores in J.D. Power's U.S. Auto Claims Satisfaction Study.
But the company does have an A+ rating with the Better Business Bureau as well as a lot of positive customer reviews online.
This auto insurer is best for:
The Hartford auto insurance could be a good fit for:
- Adults 50 and older who are already members of AARP or willing to join
- Those seeking comprehensive coverage
- Drivers interested in unique protections, like RecoverCare
Otherwise, Geico or Nationwide could be better options.
Our Insurance Expert
Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
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