The Hartford Auto Insurance coverage Overview: Prices & Protection (2022)

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Car driving down the road

In Our Opinion:

The Hartford provides low auto insurance coverage charges and distinctive perks to AARP members. Whereas nonetheless accessible to drivers with out AARP memberships, it’s older drivers who will discover essentially the most profit with The Hartford.


Wide selection of auto insurance coverage merchandise

Can bundle dwelling and auto insurance coverage insurance policies

Particular charges and advantages for AARP members


Common customer support status

Not many low cost choices for non-AARP members

Drivers over 50 in search of insurance coverage protection could also be accustomed to The Hartford auto insurance coverage. The Hartford is the one automobile insurance coverage supplier to associate with the American Affiliation of Retired Individuals (AARP) to supply unique advantages to the group’s members. 

Due to this relationship, AARP members could discover particularly low auto insurance coverage charges with the supplier. Our workforce needed to see how The Hartford compares to the nation’s greatest automobile insurance coverage corporations, so we took a have a look at the corporate’s charges, protection choices, advantages, customer support, and extra. Preserve studying to see what we found.

About The Hartford

Based in 1810, The Hartford has a wealthy historical past. Based on the corporate’s historical past, it as soon as insured the house of Abraham Lincoln. Right this moment, The Hartford is among the many high 25 insurers within the nation, and is the one one formally endorsed by the AARP. For that purpose, you might have heard it known as “AARP automobile insurance coverage.”

Whereas sure advantages and reductions are solely accessible to AARP members, anybody should purchase a automobile insurance coverage coverage from The Hartford.

The Hartford Auto Insurance coverage Prices

The common price estimate for a full protection auto coverage from The Hartford is $2,134 per yr – considerably costlier than the typical nationwide estimate of $1,730 per yr. These averages are based mostly on a standardized profile of a 35-year-old driver with a clear driving file and good credit score. Since The Hartford is designed extra for older drivers, charges for these drivers could also be extra aggressive.

The Hartford Auto Insurance coverage Price Components

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

Your premium is unlikely to match the typical estimate quoted above. Insurance coverage corporations calculate particular person charges utilizing a number of elements, together with:

  • Protection sorts: Legal responsibility insurance coverage insurance policies that solely fulfill state minimal protection necessities value the least. Including protection for your self and different choices will improve your premiums.
  • Protection limits: Setting increased protection limits provides you extra monetary safety, however it additionally means you’ll pay extra for an auto coverage.
  • Age: Whereas youthful drivers are inclined to pay the very best charges of any age group, senior drivers generally see increased premiums than middle-aged drivers, too.
  • Deductible: The decrease your deductible is, the upper your premium is more likely to be. If you wish to lower your expenses in your auto coverage, set your deductible increased.
  • Driving historical past: In case you have any automobile accidents or visitors violations in your driving file, you’re more likely to face increased premiums.
  • Location: Charges range between states and even between ZIP codes in the identical state because of variations in rules and the presence of various danger elements.
  • Credit score historical past: Some states have made it unlawful for insurers to make use of your credit score rating as a think about your premiums. In states the place it’s nonetheless authorized, individuals with decrease credit score scores are inclined to see increased premiums.

The Hartford Automotive Insurance coverage Reductions

Lots of the premium estimates we discovered for The Hartford have been costlier than business averages. Nevertheless, the corporate provides a sturdy set of reductions that may assist deliver premiums down, together with:

  • Multi-policy low cost: If you happen to mix your auto protection with different insurance coverage merchandise equivalent to life, renters, or owners insurance coverage, you may get an total coverage low cost.
  • Paid-in-full low cost: It can save you cash in your coverage by paying your complete premium upfront, quite than throughout month-to-month funds.
  • Security options low cost: The Hartford provides a reduction for having security options equivalent to anti-lock brakes and extra airbags put in in your car.
  • Automobile gasoline kind low cost: Individuals who drive hybrid or electrical automobiles can get a reduction on their auto coverage.
  • Protected driver coaching reductions: Policyholders beneath the age of 21 (25 in Georgia) can earn a reduction by finishing an accepted secure driving course.
  • Defensive driving low cost: The Hartford provides a reduction to drivers who full an accepted defensive driving course. This low cost can apply for as much as three years.
  • New car low cost: Policyholders can get a reduction when protecting a brand new car.
  • Non-resident pupil low cost: Households which have an insured driver that’s at the moment attending faculty away from dwelling with out common entry to their car can get a reduction on their coverage.

TrueLane by The Hartford

The Hartford is one in every of many insurers that provides a telematics program as an alternative choice to flat-rate insurance coverage. This program, referred to as TrueLane, makes use of a cellular app to watch your driving behaviors, equivalent to your pace, how exhausting you brake and switch, what occasions of day you drive, how typically you employ your cellphone within the automobile, and extra.

The Hartford provides a 12{34d1001bd2f378027f6f0d58679f273845dbe922d023d510c7b638184116e547} low cost only for signing up for TrueLane. If you happen to follow secure driving habits, the corporate says it can save you as a lot as 25{34d1001bd2f378027f6f0d58679f273845dbe922d023d510c7b638184116e547} in your coverage while you renew. Nevertheless, in the event you follow driving habits that The Hartford deems unsafe, you possibly can find yourself paying extra for protection.

The Hartford Auto Insurance coverage Protection

Like with most insurers, you may construct your automobile insurance coverage coverage with The Hartford by combining customary automobile insurance coverage coverages with non-compulsory coverages and add-ons that suit your wants and price range. Most specialists advocate having a “full protection” coverage that features private damage, collision, and complete insurance coverage together with legal responsibility protection to make sure you’re protected financially.

Normal Protection Choices

The Hartford provides the usual sorts of auto insurance coverage that yow will discover with most main suppliers. These embody:

  • Property injury legal responsibility insurance coverage: Covers injury to different drivers’ automobiles and property in an accident for which you might be discovered at fault.
  • Bodily damage legal responsibility insurance coverage: Covers medical payments and different injury-related bills ensuing from an accident you might be discovered at fault for.
  • Collision protection: Covers injury to your car and property ensuing from an accident, no matter who’s at fault.
  • Complete protection: Covers injury to your car from sources apart from a automobile accident, equivalent to theft, vandalism, hearth, or floods.
  • Private damage safety (PIP): Covers medical payments and misplaced wages for individuals in your social gathering ensuing from an accident, no matter who precipitated it.
  • Medical funds (MedPay): Covers medical bills on your social gathering, no matter who’s at fault for an accident.
  • Uninsured motorist/underinsured motorist protection: Covers damage and property injury if an at-fault driver lacks adequate protection.

The Hartford Further Protection Choices:

The Hartford additionally provides a lot of add-ons to assist cowl different prices associated to proudly owning and driving your car. These embody:

  • Automotive towing protection: Pays for towing.
  • Full glass protection: Pays for all glass injury and has a $0 deductible.
  • Rental automobile expense protection: Offers reimbursement for rental automobile prices when your automobile is within the store for repairs after an accident.
  • Private umbrella insurance coverage: Offers monetary assist if somebody sues you for damages in extra of what’s paid by your legal responsibility coverage.
  • Hole insurance coverage: Pays the distinction between your automobile’s precise money worth and the quantity you owe in your automobile mortgage in case your automobile is stolen or totaled.
  • Disappearing deductible: Reduces your collision deductible every year you go with out an accident (all the way down to $0).
  • Accident forgiveness: Accident forgiveness on your first accident is robotically included if all drivers in your coverage keep a clear driving file for 5 years.

The Hartford Included Advantages for AARP Members

Whereas most of the firm’s advantages and choices can be found to policyholders at massive, the supplier features a sequence of reductions and advantages for members of the AARP Auto Insurance coverage Program From The Hartford. These embody:

  • 24-Hour roadside help: Covers the price of emergency companies like towing, gasoline supply, and extra.
  • Authorized illustration for accidents: Covers the price of authorized charges associated to a automobile accident.
  • New automobile substitute protection: Replaces your automobile with one of many similar make, mannequin, and gear with out subtracting something for depreciation whether it is new.
  • No deductible windshield restore service: Waives your auto coverage deductible for windshield restore insurance coverage claims.
  • RecoverCare important companies: Covers the price of hiring companies for duties equivalent to home cleansing, garden upkeep, snow elimination, transportation companies, meals preparation, and canine strolling if you’re injured in an accident and may’t do them your self.
  • Homeownership credit score: Reductions your auto coverage in the event you personal a house. This doesn’t apply if you’re already getting a reduction for bundling your owners insurance coverage coverage along with your auto coverage.

The Hartford Lifetime Automotive Restore Assurance

With any insurer, you at all times have the fitting to decide on your restore store. Nevertheless, like many insurers, The Hartford has an accepted restore facility program that provides advantages for utilizing one of many greater than 1,600 retailers of their community.

If you happen to use this system, The Hartford will discover an in-network store for you and deal with communications and fee instantly with the store. Repairs made beneath this program at associate retailers are assured for the lifetime of the car.

The Hartford Auto Insurance coverage Opinions

The Hartford has an A+ score from the Higher Enterprise Bureau (BBB), however it’s not accredited. The automobile insurance coverage firm at the moment has a 1.0 out of 5.0-star BBB buyer assessment rating, however that is based mostly on a comparatively low variety of evaluations. Understand that clients are more likely to go to the BBB web site to complain than to go away constructive feedback.

There are solely a small variety of buyer evaluations, which suggests these scores could not precisely replicate the sentiment of nearly all of The Hartford automobile insurance coverage clients.

Constructive Opinions of The Hartford 

A number of evaluations reward high quality customer support, particularly when switching to The Hartford from one other supplier. Prospects report satisfaction with decrease automobile insurance coverage charges {and professional} brokers.

“I actually thought I used to be getting the bottom accessible price on my automobile insurance coverage, however to my shock, [I] wasn’t. [The Hartford] helped me get higher protection at a decrease premium. For that, I’m completely happy.”

– Steven P., through Trustpilot

“I simply purchased a brand new car and the insurance coverage firm that I’ve been with for the previous two years raised my charges [even though] I’ve a superb driving historical past. [I] spoke with an agent from The Hartford who was superior, and he saved me $412.”

– Hiram C., through Trustpilot

Unfavorable Opinions of The Hartford 

Some clients specific frustration with gradual claims servicing, denied claims, and issue canceling contracts. Nevertheless, most of the damaging evaluations concentrate on the corporate’s dwelling insurance coverage merchandise, not The Hartford auto insurance coverage.

“That is the worst monetary group ever. They take weeks to reply to your questions – in the event that they even reply in any respect – and once they reply, they don’t reply your questions. [The Hartford] miscalculated my insurance coverage in July. It’s nearly January, and nonetheless no decision.”

– Ben F., through BBB

“[My claim has] been accepted, however [I have yet to] obtain a fee happening 10 weeks… They by no means offer you any right info… I’m nonetheless ready for a name again.”

– B. M., through BBB

The Hartford Auto Insurance coverage: Conclusion

Auto insurance coverage from The Hartford might be considerably expensive for the typical driver in comparison with many different high suppliers. Nevertheless, the supplier could provide among the best charges for AARP members in particular, particularly after you think about reductions. Members of the group who get protection by The Hartford additionally get a lot of distinctive and useful advantages included of their coverage. RecoverCare, for instance, is a considerate kind of protection that isn’t simple to seek out wherever else and could possibly be extraordinarily useful after an accident.

Youthful drivers will probably discover cheaper auto insurance coverage elsewhere. However whereas anybody can get protection from The Hartford, the corporate is designed extra for older drivers and particularly AARP Members. For these drivers, The Hartford needs to be one of many first choices to contemplate.

The Hartford Auto Insurance coverage: High Opponents

Even when The Hartford looks like the fitting supplier for you, it’s at all times a good suggestion to buy round. One other supplier could provide higher charges or extra interesting protection choices. We at all times advocate getting automobile insurance coverage quotes on-line from a number of completely different suppliers. This lets you evaluate and see which supplier really provides you the bottom charges. Each of the suppliers talked about under scored extremely in our auto insurance coverage examine and would make nice choices for a lot of drivers.

GEICO: Greatest Low cost Choice

GEICO options extra reductions on its auto protection than a lot of the suppliers we studied – incomes it this yr’s award for Greatest Low cost Choice. As well as, we discovered that GEICO price estimates have been constantly among the many lowest all through our examine. Which means most drivers can discover cheap protection and produce these prices down even additional with a lot of low cost alternatives. If it’s cheap protection from a good supplier you’re after, it’s definitely value getting an auto insurance coverage quote from GEICO.

Preserve studying: GEICO automobile insurance coverage assessment

State Farm: Greatest Total

The nation’s largest insurer earned the very best rating of all suppliers in our most up-to-date auto insurance coverage examine, successful State Farm the award for Greatest Total. State Farm provides aggressive charges, loads of reductions, and a big choice of protection choices in all 50 states. The corporate additionally claims the nation’s largest community of native insurance coverage brokers, providing easy accessibility to in-person companies in most locations.

Preserve studying: State Farm automobile insurance coverage assessment

The Hartford Auto Insurance coverage: FAQ

Is The Hartford insurance coverage firm one?

The Hartford insurance coverage firm is an efficient firm when it comes to its business status. In operation since 1810, it is without doubt one of the oldest corporations within the U.S. It maintains an A+ score from the BBB and in addition has an A+ monetary power score from AM Greatest.

Is The Hartford owned by AARP?

The Hartford shouldn’t be owned by the AARP, however it’s the solely official insurance coverage associate of the group. AARP members get entry to particular reductions and advantages on their insurance coverage with The Hartford.

How a lot is the AARP low cost with The Hartford?

The Hartford provides a ten{34d1001bd2f378027f6f0d58679f273845dbe922d023d510c7b638184116e547} AARP low cost on automobile insurance coverage premiums to members of the group. You have to be greater than 50 years previous and have a legitimate AARP membership card to entry this low cost.

What’s the least expensive automobile insurance coverage for senior residents?

State Farm and GEICO have a tendency to supply the most cost effective automobile insurance coverage for senior residents in response to our analysis. USAA additionally tends to supply inexpensive protection for senior drivers, however solely navy members, veterans, and their households are eligible for the corporate’s insurance coverage. For AARP members, The Hartford could provide inexpensive protection by particular reductions for members of the group.

Our Methodology

Our knowledgeable assessment workforce takes satisfaction in offering correct and unbiased info. We recognized the next score classes based mostly on shopper survey knowledge and carried out in depth analysis to formulate rankings of one of the best automobile insurance coverage suppliers.

  • Affordability: Quite a lot of elements affect value, so it may be troublesome to check quotes between suppliers. Our workforce considers auto insurance coverage price estimates generated by Quadrant Data Companies and low cost alternatives when giving this rating.
  • Protection: As a result of every shopper has distinctive wants, it’s important {that a} automobile insurance coverage firm provides an array of protection choices. We have in mind sorts of insurance coverage accessible, most protection limits, and add-on insurance policies.
  • Business Standing: Our workforce considers Higher Enterprise Bureau (BBB) rankings, monetary power, and years in enterprise when giving this rating.
  • Availability: Auto insurers with better state availability and few eligibility necessities usually tend to meet shopper wants.
  • Buyer Service: Respected automobile insurance coverage suppliers function with a sure diploma of take care of customers. We contemplate complaints filed with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC), J.D. Energy claims servicing scores, and buyer suggestions.
  • On-line Expertise: Insurers with easy-to-use web sites and extremely rated cellular apps scored greatest on this class.