The Hartford Insurance Review for 2025 (+Rates & Options)
The Hartford insurance reviews are usually positive. Policyholders enjoy unique AARP membership perks you won’t find elsewhere. With auto rates starting at $56 per month for minimum insurance, The Hartford isn’t usually the cheapest option. Additionally, only AARP members can purchase a policy from The Hartford.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 13, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 13, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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The Hartford
Auto Min. Coverage
$61A.M. Best Rating:
A+Complaint Level:
MedPros
- AARP Membership Perks
- Excellent Customer Service
- Lifetime Renewability Guarantee
Cons
- Higher-Than-Average Rates
- AARP Membership Required
According to The Hartford insurance reviews, this company provides excellent customer service and coverage options to drivers with an AARP membership.
The Hartford Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.3 |
| Business Reviews | 4.5 |
| Claims Processing | 4.8 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.3 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.0 |
| Plan Personalization | 4.5 |
| Policy Options | 4.1 |
| Savings Potential | 4.3 |
If you want the cheapest auto insurance possible, The Hartford may not be the right choice. With car insurance rates starting at $56 per month, The Hartford is a bit pricier than the national average. However, you gain access to a variety of AARP member perks when you buy a policy.
- Only AARP members can purchase a policy from The Hartford
- The Hartford auto insurance prices are a little higher than average at $56 monthly
- The Hartfor home insurance is best for high-value homes
Scroll down to find everything you need for a thorough The Hartford insurance review. When you’re done looking over what The Hartford offers, enter your ZIP code into our free comparison tool to see personalized insurance quotes.
The Hartford Auto Insurance Review
Before you shop around, you should know that The Hartford doesn’t sell coverage to everyone. To purchase any insurance policy from The Hartford, you need to be an AARP member. However, The Hartford covers drivers of all ages. For example, if you have an AARP membership, you can add your children to your policy as long as they live with you. Keep reading to compare cheap auto insurance for seniors.
Comparing The Hartford Auto Insurance Rates
Although The Hartford reviews are typically positive, existing customers frequently mention that they can find cheaper rates with other companies. Make sure to get quotes from as many companies as possible to ensure you find the right price for your budget.
Since it caters to older drivers, The Hartford teen auto insurance is much more expensive at over $300 per month. By the time drivers turn 25, minimum rates drop to around $70 per month, while older drivers pay even less. Seniors over 60 with AARP memberships pay closer to $60 monthly for coverage.
Teen auto insurance rates from The Hartford are often higher than the national average, so it might be best to go elsewhere if you have young drivers.
Jimmy McMillan Licensed Insurance Agent
While you’ll need a personalized quote to see exact rates, you can get an idea of how The Hartford compares to the biggest car insurance companies in the country. The Hartford auto insurance quotes are higher than top competitors like USAA and Geico, but still cheaper than Allstate and Liberty Mutual, especially for full coverage.
Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $61 | $161 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $141 |
Aside from your age and gender, your driving record is one of the most impactful factors on your insurance premiums. Having infractions like speeding tickets, at-fault accidents, and DUIs can increase your auto insurance rates dramatically.
Auto Insurance Monthly Rates by Provider & Driving Record| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $61 | $89 | $237 | $74 |
| $87 | $124 | $152 | $103 |
| $62 | $94 | $104 | $73 |
| $76 | $109 | $178 | $95 |
| $43 | $71 | $129 | $56 |
| $96 | $129 | $65 | $116 |
| $63 | $88 | $112 | $75 |
| $56 | $98 | $58 | $74 |
| $47 | $57 | $38 | $53 |
| $53 | $76 | $123 | $72 |
The Hartford usually has higher rates than many of its competitors. There are plenty of steps you can take when you need to find cheap car insurance. However, the most important thing is to compare auto insurance rates from as many companies as possible.
Instead of calling each insurer individually, online tools allow you to see side-by-side comparisons of premiums, coverage options, and customer reviews in just minutes. For older drivers in their 60s with AARP memberships, this can be especially valuable, since some insurers offer better pricing for experienced drivers with clean records and retired drivers with low mileage.
Read More: What to Do if You Cannot Afford Auto Insurance
The Hartford Auto Insurance Coverage Breakdown
The Hartford offers everything you need for a basic car insurance policy. Whether you want a policy that only meets your state’s insurance requirements or a full coverage plan, The Hartford has you covered with the following options
- Liability Insurance: Required in most states, liability auto insurance pays for damages and injuries you cause in an at-fault accident.
- Collision Insurance: If you want to guarantee that your policy covers your car repairs, you need collision auto insurance.
- Comprehensive Insurance: You can protect your vehicle from life’s unexpected events like fires, floods, theft, and falling objects with comprehensive auto insurance.
- Uninsured/Underinsured Motorist Insurance: Uninsured/underinsured motorist coverage pays for damages to your vehicle and any medical expenses you incur after a driver with inadequate coverage hits you.
- Personal Injury Protection (PIP)/Medical Payments Insurance: Personal injury protection and medical payments cover medical expenses, lost wages, and other related costs after an accident.
These car insurance options from The Hartford will cover most coverage needs. It’s up to you to decide how much coverage you need. For example, people looking to spend the least amount possible on insurance should consider a minimum coverage policy. However, if you have a new or leased car, you’ll likely need a full coverage policy.
Like most providers, The Hartford also offers add-ons so you can customize your policy. The most popular add-ons from The Hartford include:
- Accident Forgiveness: If you have a clean driving record, you may qualify for The Hartford accident forgiveness, which stops your premiums from increasing after your first accident.
- Gap Insurance: Gap insurance pays the difference between what your car is worth and how much you owe on a loan, so you’re not stuck paying for a vehicle you no longer drive.
- New Car Replacement Coverage: You might qualify for new car replacement coverage if your vehicle is less than a year old.
- Disappearing Deductible: This add-on rewards you for remaining accident-free by lowering your deductible.
Picking the coverage that best fits your needs might sound complicated, but The Hartford makes it simple. You can see detailed coverage explanations and see how much each option costs when you get a personalized The Hartford auto insurance quote from its website.
Drivers who already have a car insurance policy from The Hartford can add or remove coverage on their policy at any time. Simply call The Hartford auto insurance phone number or use the website to manage your policy.
The Hartford Auto Insurance Discount List
Of all the hacks to save money on auto insurance, finding discounts can have one of the biggest impacts on your premiums. There are plenty of The Hartford car insurance discounts to help you save. Take a look below to see which you might qualify for.
The Hartford Auto Insurance Discounts: Savings & Eligibility Summary| Discount Name | Potential Savings | Who Qualifies? |
|---|---|---|
| Anti-Theft | 10% | Vehicles with anti-theft or safety features |
| Bundling | 5% | Customers with auto + home/renters/condo policies |
| Defensive Driver Course | 10% | Drivers completing an approved course |
| Good Student | 12% | Students (16–25) with a “B” average or better |
| Hybrid/Electric Vehicle | 5% | Hybrid or electric car owners |
| Low Mileage | 10% | Drivers with below-average annual mileage |
| Loyalty Discount | 7% | Customers insured 3+ years |
| Military Discount | 15% | Active or former military personnel |
| Multi‑Car | 25% | Drivers with 2+ vehicles on one policy |
| Pay-in-Full | 5% | Drivers paying full annual premium up front |
| Safe Driver | 8% | Drivers with clean record for 5+ years |
| Senior Driver | 10% | Drivers age 60+ (varies by state) |
| UBI (TrueLane) | 20% | Drivers using the TrueLane app with safe driving habits |
Most of The Hartford discounts will apply directly to your account when you sign up for a policy or become eligible. However, you can always ask a representative to look over your policy to ensure you’re getting every discount possible. Drivers who qualify for The Hartford good driver discount should also consider the company’s usage-based insurance option, TrueLane.
The maximum discount you can earn with TrueLane is 40%, though most The Hartford auto insurance reviews report savings of about 25%. To participate, you’ll need to download the TrueLane app. The best time to sign up is when you first purchase a policy. You’ll get an automatic 12% discount if you enroll in the TrueLane program within 60 days of purchasing a The Hartford auto insurance policy.
The Hartford Auto Insurance Customer and Business Reviews
When it comes to The Hartford auto insurance reviews, drivers leaving positive reviews usually love The Hartford and AARP’s partnership since it offers excellent savings. Others love that The Hartford car insurance quotes cater to the needs of senior drivers. The Hartford works directly with AARP to offer the best service possible to their customers.
While there is a lot of goodwill towards The Hartford and AARP auto insurance, not everyone shares the sentiment. This Reddit user’s frustrations with The Hartford are why insurance experts recommend that you shop around for coverage. Without a little research beforehand, you may end up with a policy that doesn’t work for you.
The Hartford may not make the list of the 10 best auto insurance companies, but that doesn’t mean you shouldn’t take a look at what it offers. The Hartford car insurance rates can be on the higher side, but it provides you access to a ton of unique AARP perks.
AARP perks for The Hartford drivers include discounts on shopping and travel. Check with AARP to see all the benefits available to you.
Daniel Walker Licensed Insurance Agent
Although Hartford customer reviews may be mixed, third-party rating companies have a more positive outlook. It receives solid ratings in areas like customer satisfaction and financial stability. Keeping these metrics in mind can help you decide if The Hartford’s slightly higher rates are worth it.
The Hartford Insurance Business Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 701 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 1.10 Avg. Complaints |
 | Score: A+ Superior Financial Strength |
The Hartford customer service is well-reviewed, with high satisfaction ratings from J.D. Power and Better Business Bureau. It also has a strong financial rating from A.M. Best, showing it’s capable of handling and paying out insurance claims. However, pay attention to The Hartford customer reviews in your local area to see if it is the best option.
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The Hartford Home Insurance Review
The Hartford home insurance reviews stand out for excellent customer service ratings, and policyholders often praise the company’s responsiveness and support. However, it may not always be the most affordable option, particularly for those who need smaller policy limits or are looking for bare-bones coverage.
Learn More: How much homeowners insurance do you need?
Comparing The Hartford Home Insurance Rates
Like its auto insurance, The Hartford offers affordable home insurance rates. Keep in mind that you’ll need an AARP membership to qualify for homeowners insurance from The Hartford in most states. However, there are a few states where The Hartford sells home insurance in which you can buy a policy without an AARP membership.
Home Insurance Monthly Rates by Provider & Policy Limit
| Insurance Company | $350k Policy | $500k Policy | $1 Million Policy |
|---|---|---|---|
| $200 | $269 | $600 |
| $198 | $283 | $600 |
| $229 | $329 | $700 |
| $217 | $312 | $660 |
| $205 | $295 | $625 |
| $210 | $302 | $640 |
| $218 | $314 | $665 |
| $200 | $289 | $610 |
| $182 | $263 | $550 |
| $171 | $259 | $540 |
Although it may not be among the cheapest homeowners insurance companies, it’s still possible to find affordable coverage from The Hartford. It remains one of the best companies for high-value homes needing $1 million in coverage or higher, with rates starting at $600 per month.
The Hartford Home Insurance Options
To meet the needs of AARP members, The Hartford offers a variety of types of home insurance. These include structure coverage, personal property coverage, loss of use, and liability coverage in case someone injures themselves on your property. For instance, The Hartford home insurance covers their medical bills and your legal fees if you’re sued.
The Hartford also offers add-ons so you can customize your coverage to match your home’s needs, like an on to protect your home if you rent out a room or your entire house. This can be a more affordable option than purchasing a separate landlord insurance policy. Some of the most popular add-ons from The Hartford include:
- Scheduled Personal Property: For valuable items like jewelry, sports equipment, and musical instruments, you can add extra coverage to specifically cover them.
- New for Old Protection: Regular home insurance takes depreciation into account before paying a claim, making it harder to replace your items. With this add-on, The Hartford will pay the full price for a new item.
- Lock Replacement: If your house key is lost or stolen, The Hartford will pay up to $500 to replace your locks.
- Identity Fraud Protection: The Hartford will cover legal expenses and lost income if you become the victim of identity theft.
Availability varies by state, so shop around to see what kind of home insurance coverage is available from The Hartford and other providers near you. Enter your ZIP code to start comparing local homeowners insurance quotes for free.
The Hartford Home Insurance Discount List
Like all of the best home insurance companies, The Hartford offers several discounts to help homeowners find affordable coverage, including installing home security systems for a 15% discount and an additional 10% for fire safety equipment and alarms.
The Hartford Home Insurance Discounts: Savings & Eligibility
| Discount | Savings | Who Qualifies? |
|---|---|---|
| Bundling | 5% | Customers with auto + home/renters/condo policies |
| Fire Protection | 10% | Homes with sprinkler systems or monitored alarms |
| Home Security | 15% | Homes with advanced alarms or security systems |
| Paid-in-Full | 5% | Customers who pay their annual premium up front |
Home insurance discounts can be a bit trickier to get than auto insurance savings, so make sure to speak with a representative and ask which The Hartford home insurance discounts you might qualify for to ensure you get every discount you deserve.
The Hartford Business Insurance Review
The Hartford offers more than just auto and home insurance. One of its more popular options is business insurance, which helps protect companies and corporate vehicles from financial losses caused by unexpected events.
The Hartford business insurance can cover property damage, liability claims, employee-related risks, vehicle collisions, and even business interruptions. The right policy ensures that a business can recover quickly and continue operating after accidents, lawsuits, or other setbacks.
How Much Business Insurance Costs With The Hartford
Depending on your needs, The Hartford can be an affordable option for coverage. Take a look below to see how much you might pay for business insurance from The Hartford based on the coverage you need.
The Hartford Business Insurance Monthly Rates by Coverage Level
| Insurance Policy | $500,000 | $1 Million | $2 Million |
|---|---|---|---|
| Business Owner's | $115 | $115 | $230 |
| General Liability | $83 | $83 | $166 |
| Worker’s Compensation | $70 | $70 | $140 |
| Professional Liability | $72 | $72 | $144 |
Getting a business insurance quote from The Hartford is simple. Simply visit The Hartford’s website, enter information about your business needs, and receive your quote.
Read More: The Ultimate Insurance Guide
Other Insurance Options From The Hartford
Aside from offering excellent auto, home, and business insurance, you have a few more coverage options from The Hartford. These include:
- Flood Insurance: Protect your home from water damage with The Hartford’s flood insurance.
- Classic Car Insurance: Have a classic vehicle? The Hartford’s classic car insurance offers special protection so you can enjoy your vehicle for years to come.
- Pet Insurance: As one of the best pet insurance companies, The Hartford makes sure emergency vet visits are covered.
- Renters Insurance: For people who rent their home instead of owning, The Hartford offers affordable renters insurance.
Some of these insurance options are through providers partnered with The Hartford and AARP. Regardless of who is writing the policy, though, The Hartford offers affordable rates for most coverage types.
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The Hartford Insurance Review: Pros and Cons
If you have an AARP membership, The Hartford is worth at least checking out. It offers excellent perks, solid coverage options, and strong customer service. These are the most important benefits and drawbacks you’ll see with The Hartford. The Hartford’s pros include:
- Lifetime Renewability: The Hartford offers some of the best auto insurance for seniors because it guarantees that you can renew your policy as you get older.
- Excellent Customer Service: The Hartford sets itself apart from its competition by offering a positive customer service experience.
- AARP Benefits: Aside from cheap car insurance for seniors, you’ll also get access to an array of AARP membership benefits with a policy from The Hartford.
While the pros of shopping at The Hartford are many, there are some things you should be aware of, too. Before you buy from The Hartford, be aware that it’s probably not your cheapest option for coverage.
- Higher Premiums: While it can be affordable for older drivers, The Hartford car insurance prices are often higher than the national average.
- AARP Membership: You need an AARP membership to buy insurance coverage from The Hartford in most states.
Whether The Hartford is the right pick for you depends on your needs. If you’re over 50 and have an AARP membership, The Hartford could be an excellent fit for you. However, younger drivers will likely find better coverage elsewhere.
Regardless of how you feel about The Hartford’s coverage options, you should always learn how to get multiple insurance quotes before you sign up for a policy. In just a few minutes, you can see quotes from the biggest providers in your area by entering your ZIP code into our free comparison tool.
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Frequently Asked Questions
Is The Hartford car insurance cheap?
The Hartford car insurance prices average $56 per month for minimum insurance and $113 for full coverage. That makes it a bit higher than the national average.
Why is The Hartford insurance so expensive?
The Hartford provides personalized service and unique policy options with higher limits, which drive premiums up. Since it’s hard to know how much you might pay when you’re figuring out how to buy auto insurance, experts recommend comparing personalized quotes from multiple companies.
Do you need an AARP membership to buy The Hartford insurance?
Yes, to purchase a new policy from The Hartford, you need to be an AARP member. However, non-members can be added to a policy, as long as they qualify for a family plan.
Is The Hartford a good choice for car insurance?
It depends on your specific needs. Drivers with an AARP membership should definitely consider The Hartford for their insurance needs, as they may see affordable rates. Younger drivers and people without an AARP membership will probably have more success looking at other companies.
What is The Hartford’s customer satisfaction rating?
According to J.D. Power, The Hartford has above-average auto claims satisfaction and ranks in the top three for home and property claims satisfaction.
Is The Hartford good at paying claims?
Yes, most customers say they were satisfied with how their claim was handled and report receiving their payout within 30 days. Plus, The Hartford makes learning how to file an insurance claim easy by being available 24/7 by phone or online.
How do you file a claim with The Hartford?
Filing a claim with The Hartford is simple. You can either call The Hartford’s insurance claim number if you want a real person to help you through the process. If you’re comfortable doing it online, you can use the app or website.
Is The Hartford cheaper than Geico?
Although The Hartford is often an affordable option for car insurance, Geico is usually cheaper. Geico is typically one of the cheapest insurance providers on the market. Still, it doesn’t offer the great perks that come with a policy from The Hartford. To see which company best fits your needs, check out our Geico auto insurance review.
What states does The Hartford sell auto insurance in?
The Hartford sells auto insurance in all 50 states, plus Washington, D.C.
Can you add a younger driver to a policy from The Hartford?
Yes. As long as the primary policyholder has an AARP membership, they can add children still living at home to their policy.
Does The Hartford have usage-based insurance?
Hartford offers a UBI program called TrueLane. Enrolling in the program can save you a maximum of 40%. You’ll need to download the TrueLane app to enroll.
However, The Hartford does not offer pay-per-mile auto insurance. If you’re a low-mileage driver looking to save, you may want to check out the best pay-as-you-go auto insurance companies instead.
Does The Hartford sell other types of insurance?
The Hartford sells a variety of policies, including renters, flood, homeowners, business, and umbrella insurance. To compare prices on these policies, enter your ZIP code into our free comparison tool today.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
