Ranked as the 9th best car insurance provider in the U.S. according to our study, The Hartford stands out for its extensive range of coverage options. Explore its ratings and see how it compares on a national level below.
The Hartford Car Insurance Review
Updated: January 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is ranked 9th in the nation for affordability, with annual premiums averaging $756 for minimum coverage and $1,481 for full coverage.
The Hartford holds the 9th position nationally for overall customer satisfaction and ranks 14th for claims satisfaction in the U.S.
The Hartford is nationally recognized for its robust coverage options, including features like new car replacement coverage, earning it a top spot for unique policy choices.
Our Hartford Car Insurance Review and Ratings
| Overall Rating | 79 | 9 |
| Overall Customer Satisfaction | 30 | 9 |
| Affordability | 23 | 9 |
| Claims Satisfaction | 11 | 14 |
| Coverage | 10 | 1 |
| Financial Stability | 4 | 2 |
The Hartford Car Insurance Ratings vs. National Competitors
Here’s a comparison of how The Hartford measures up against other leading national insurers:
Hartford Comparison | Hartford Score vs. Competitor Score | Bottom Line |
|---|---|---|
Hartford vs. Progressive | 79 vs. 78 | The Hartford excels for older drivers, especially those 50 and above, thanks to its AARP partnership, while Progressive offers lower rates for higher-risk drivers, including younger ones. |
Hartford vs. State Farm | 79 vs. 81 | While The Hartford offers more robust coverage options overall, State Farm excels in customer service. |
Hartford vs. Nationwide | 79 vs. 80 | Nationwide provides slightly better rates for full coverage policies, while The Hartford stands out with more comprehensive coverage options. |
Hartford vs. Allstate | 79 vs. 71 | Allstate outperforms The Hartford in both affordability and customer service. |
Hartford vs. Farmers | 79 vs. 75 | Farmers car insurance is one of the pricier options nationwide, making The Hartford a better choice for affordability. |
Hartford vs. AAA | 79 vs. 72 | While AAA offers a comparable selection of discounts, The Hartford typically provides lower rates, broader coverage options and a better customer experience, particularly for older drivers through its AARP partnership. |
How Much Does Hartford Car Insurance Cost?
The Hartford’s car insurance averages $63 per month for minimum coverage and $123 monthly for full coverage, based on rates for 40-year-old drivers with good credit and a clean driving record. To better illustrate its rates, we’ve analyzed them by coverage type, state and driver profile.
The Hartford Car Insurance Rates by Driver Profile
Here’s a breakdown of The Hartford’s car insurance rates based on various age groups and typical driving infractions:
| Adults | $756 | $-126 | $1,481 | $-111 |
| Senior Drivers | $655 | $-19 | $1,294 | $28 |
| Young Drivers | $984 | $-225 | $1,977 | $-289 |
| Accident | $1,131 | $-207 | $2,218 | $-213 |
| DUI | $1,857 | $-743 | $3,881 | $-1,476 |
| Speeding | $1,020 | $-240 | $2,068 | $-358 |
| Bad Credit | $1,325 | $740 | $2,551 | $1,907 |
The Hartford Car Insurance Rates by Coverage Level
The table below provides a comparison of The Hartford’s car insurance rates across different coverage levels.
| 100/300/1000,000 - 500 comp_coll | $1,637 | $-142 | -10% |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,481 | $-111 | -8% |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,432 | $-97 | -7% |
| 100/300/100 Liability Only | $934 | $-136 | -17% |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,560 | $-80 | -5% |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,512 | $-66 | -5% |
| 300/500/300 Full Cov. w/$500 Ded. | $1,716 | $-111 | -7% |
| 300/500/300 Liability Only | $1,013 | $-75 | -8% |
| State Minimum Liability Only | $756 | $-126 | -20% |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,303 | $-80 | -7% |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,254 | $-66 | -6% |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,459 | $-110 | -8% |
Is Hartford Car Insurance Expensive?
When evaluating rates nationwide, The Hartford ranks 9th for affordability. Its premiums are approximately 20% higher than the national average for minimum liability coverage and 8% higher for full coverage. Adults with good credit and clean driving records may find its rates competitive, but younger drivers or those with violations are likely to find more budget-friendly options with other insurers.
UNIQUE HARTFORD SAVINGS OPPORTUNITIES
The Hartford offers unique discounts to help drivers save on car insurance. Safe drivers can benefit from the Disappearing Deductible program, which reduces your deductible each year you maintain a clean driving record. Additionally, AARP members receive exclusive discounts, making coverage more affordable for older drivers. These discounts make The Hartford a solid choice for those seeking value and unique benefits.
The Hartford Car Insurance Customer Reviews and Reputation
The Hartford falls below average in overall customer satisfaction when compared to other national providers in our study. Similarly, external evaluations, including those from J.D. Power, rank the company below the industry standard. Below, we’ve outlined both our findings and insights from other reputable research organizations for a comprehensive view.
The Hartford Car Insurance Customer Satisfaction Ratings
The Hartford generally ranked below average in most areas for customer satisfaction. However, according to J.D. Power, service ratings were slightly above average in Florida and the Southwest region.
Below, you can explore the ratings from this study organized by state and region:
State or Region | J.D. Power Score | Difference From Average | Ranking |
|---|---|---|---|
Florida | 634 | 9 points above | 5th |
Mid-Atlantic | 648 | 6 points below | 5th |
Northwest | 631 | 12 points below | 6th |
Southwest | 653 | 18 points above | 4th |
To clarify which states each region refers to, we’ve listed what they cover below:
- Mid-Atlantic: Delaware, Washington D.C., Virginia, New Jersey, Pennsylvania, Virginia, Maryland, West Virginia
- Northwest: Idaho, Montana, Oregon, Washington, Wyoming
- Southwest: Arizona, Colorado, Nevada, New Mexico, Utah
The Hartford Car Insurance Claims Satisfaction and Financial Strength Ratings
The Hartford ranks 8th nationwide in claims satisfaction. In J.D. Power's 2024 study, The Hartford is 9th overall, four points above the national average. This shows that The Hartford handles claims better than many competitors.
The Hartford's financial strength is strong, with an A- rating from AM Best, meaning it can reliably pay out claims. Consumers can trust The Hartford for its solid financial backing and dependable claims service.
The Hartford Car Insurance Coverage Options
The Hartford provides standard auto insurance coverages, including liability, comprehensive and collision insurance. Additionally, it offers optional add-ons such as:
- Roadside Assistance: This service offers 24/7 assistance, including towing, battery jump-starts and lockout protection. It covers vehicles like cars, motorcycles, boats and RVs.
- Rental Car Reimbursement: This coverage helps pay for a rental car if your vehicle is being repaired due to a covered claim. Coverage limits and costs can vary; it's advisable to consult with The Hartford for specific details.
- Accident Forgiveness: If eligible and available in your state, this feature prevents your rates from increasing after your first at-fault accident. Eligibility criteria and availability can vary; it's best to check with The Hartford for specifics.
- Disappearing Deductible: For every year you maintain a clean driving record, The Hartford reduces your collision deductible by $50, which can lead to significant savings over time.
Other Hartford Insurance Coverage Options to Consider
Below, we’ve highlighted coverage options outside of auto insurance, which are worth considering for bundles or as standalone policies:
Who Offers It? | Insurance Products Available |
|---|---|
Directly Offered by Hartford | Home Insurance, Renters Insurance, Condo Insurance, Umbrella Insurance, Business Insurance, Commercial Auto Insurance, Motorcycle Insurance, RV Insurance, Identity Theft Protection, and Landlord Insurance. |
Offered by a Third Party Partner | Classic Car Insurance, Life Insurance, Flood Insurance, Travel Insurance, Event Insurance, Pet Insurance, and Earthquake Insurance. |
The Hartford Auto Insurance Review: Bottom Line
The Hartford is a reliable choice for car insurance, offering competitive rates and a variety of coverage options. While it falls behind some national providers in customer service rankings, its strong policy offerings help balance the scale. As always, it’s wise to compare quotes from multiple insurers to ensure you find the best coverage for your needs and budget.
The Hartford Car Insurance Reviews: FAQ
Here are expert insights from MoneyGeek addressing common questions about The Hartford’s car insurance offerings:
Does The Hartford have a good reputation?
The Hartford's customer service reputation is rated below average in the 2024 J.D. Power Studies. However, the company performs better in complaint handling, with 46% fewer complaints than the industry average based on the NAIC Complaint Index.
How much does The Hartford car insurance cost on average?
The Hartford’s car insurance averages $756 annually for minimum coverage and $1,481 for full coverage. Rates can vary widely based on your driver profile, ranging from $655 to $3,881. This places The Hartford as the ninth most affordable provider in our rankings.
Where is The Hartford most affordable?
The Hartford is more expensive than most providers but is the best choice for seniors due to its partnership with AARP, which offers exclusive benefits and discounts.
Where is Hartford the best car insurance company?
The Hartford doesn’t rank as the best car insurance provider in any state and has limited availability nationwide.
How We Rated The Hartford Car Insurance
To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.