The Hartford Auto Insurance Review: Quotes and Service (2024)

The Hartford ranks among the best car insurance companies in most third-party rating agencies, such as J.D. Power and the Better Business Bureau (BBB). Overall, the company receives fewer customer complaints compared to its size and may make a good option for drivers looking for a provider with solid financial stability.

We averaged car insurance rates for a sample driver, with information obtained from The Hartford in two of the 51 states in which it does business. The company charges an average of $1,497 per year, which is neither inexpensive nor costly compared to other insurance firms.

Coverage from The Hartford is neither cheap nor expensive for most types of drivers. This includes drivers buying full coverage insurance or minimum coverage. Premiums for drivers with violations such as speeding are expensive but inexpensive for young drivers.

To get the cheapest auto insurance, make sure to obtain and compare quotes from at least a few insurers. If your first concern is not the cost of vehicle insurance, look at the company’s complaint rates, customer satisfaction scores and other measures used to determine the overall value of an insurance firm.

The Hartford offers neither cheap nor expensive drivers with full or minimum coverage. While the insurer's plans are reasonably priced, they charge younger drivers — generally seen as risky due to their lack of experience — less than most competitors. At the same time, you may find coverage for drivers with a traffic violation expensive.

Insurance company rating calculations aren’t transparent, and most charge more for extra coverage, bad credit scores and young drivers. With respect to young drivers, The Hartford is an exception to the rule.

Like all car insurance companies, The Hartford typically offers liability, collision and comprehensive insurance. It further provides the option of add-on standard coverages such as roadside assistance, rental and travel reimbursement, accident forgiveness, gap insurance and deductible modification. Note, however, that The Hartford does not have add-on coverages for new car replacement or better car replacement.

The insurer does have one unique add-on coverage, which is full auto glass insurance. This covers damage to your car’s headlights, mirrors and windows with no deductible required.

The Hartford auto insurance offers standard coverage options with various add-ons and discounts to AARP members and non-members. For effective and prompt service, The Hartford provides customers with various support tools and pricing options.

The Hartford offers several other insurance products at competitive rates. Bundling your car insurance with any of these products can mean big savings on your premiums.

AM Best evaluated car insurance companies to assess their ability to meet financial obligations to customers. The Hartford insurance received an A+ rating from AM Best, which means its ability to pay out claims is superior.