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The Hartford insurance review

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4.5 Rating from The Zebra

The Hartford is an insurance company that provides an array of coverage options. The Hartford — which caters primarily to drivers aged 50 and older — partners with AARP to offer special benefits to the organization's members. JD Power rates The Hartford as below average in overall client satisfaction, but the company's financial strength is high. The company has a low complaint ratio, according to the National Association of Insurance Commissioners (NAIC).

Let’s check out some of the insurance policies and options available through The Hartford, including discounts and customer reviews.

Claims satisfaction (J.D. Power) — Excellent: The Hartford was among the top-rated companies in J.D. Power's 2021 evaluation of auto insurance claims satisfaction. 

Customer satisfaction (J.D. Power) — Above average: J.D. Power rated The Hartford better-than-average in terms of overall customer satisfaction.

Financial strength — Excellent: A financial strength rating of “Excellent” — assigned by AM Best — means The Hartford’s ability to pay out claims is strong.

NAIC Rating — About average: The NAIC received about an average number of complaints regarding The Hartford in its most recent accounting.

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The Hartford car insurance Advantage Program options

While The Hartford offers basic auto insurance coverage options like liability insurance, uninsured motorist coverage, and comprehensive, it also provides unique coverage options and exclusive benefits.

Lifetime renewability auto insurance

The Hartford guarantees your car insurance coverage will be renewed so long as you meet certain requirements (making on-time payments, holding a valid driver’s license, etc.).

12-month auto insurance rate protection

Instead of changing insurance rates every six months like many other companies, The Hartford locks in its rates for a full year. You won’t see unexpected rate changes in the middle of your policy.


If you are injured in an auto accident and end up unable to perform essential home services, The Hartford offers the chance for reimbursement. This includes reimbursement for things like house cleaning, food preparation, and dog walking.

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New car replacement coverage

This coverage provides a replacement car if your vehicle is totaled within the first 15 months or 15,000 miles after purchase. The Hartford will replace your vehicle with a car of the same make, model, and equipment, and will not deduct for depreciation.

Lifetime car repair assurance

If you go through a repair shop authorized by The Hartford for repairs after a claim, they will cover the cost of this work for as long as you own the vehicle.

24/7 car insurance claims hotline

An auto insurance policy through The Hartford includes access to team members available day and night to help you file claims.

The Hartford Advantage Plus Program benefits

The Advantage Plus Program provides customers with extra car insurance coverage.

First accident forgiveness

If the drivers on your auto policy have a full five years of clean driving, you will qualify for accident forgiveness. This means your first accident will be forgiven and you won’t face an increase in your premiums.

Disappearing deductible

If you keep a clean driving record, you can expect to see your collision coverage deductible drop (as low as $0). Learn more about vanishing deductibles.

One deductible

If you file a claim for a loss that affects multiple vehicles covered by the same policy, or if your home and auto are bundled and both affected by the same loss, then you will pay only one deductible.

Deductible waived for a not-at-fault-accident

If you are in a car accident and not found to be at fault, The Hartford will, in many cases, waive the collision deductible.

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The Hartford insurance discounts

Because The Hartford partners directly with AARP, members of the organization can expect special benefits just for signing up. However, there are many other ways to save on an auto insurance policy through The Hartford. Have a look at some of the other discounts that The Hartford offers its policyholders.

Discounts related to the drivericon-rideshare
  • Good student: If there is a driver on the policy who is a full-time student between the ages of 16 and 25 who maintains a B average or higher (3.0 on a 4.0 scale), you could receive a car insurance discount.
  • Driver training: In most states, drivers younger than 21 may receive a discounted policy after the completion of approved driver training courses.
  • Defensive driver course: Complete a defensive driving course to be eligible for this discount.
Discounts related to your vehicle
  • Anti-theft device: This allows you to save money on comprehensive coverage through The Hartford.
  • Airbags: Save even more money with a vehicle with multiple airbags.
  • Fuel type: Hybrid and electric cars receive extra discounts via The Hartford auto insurance.
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  • Bundling: The Hartford offers many types of insurance coverage, and gives a discount for bundling coverages like home and auto, saving you upwards of 5% on car insurance and as much as 20% on homeowners insurance, condo insurance, or renters insurance.
  • Paid-in-full discount: Get an additional discount for paying your bill in full.

Additional lines of insurance


Is The Hartford the right insurance company for you?

If you are a member of AARP, The Hartford could be a good option, especially when you consider the higher premiums many insurance companies impose on drivers of advancing age. However, younger drivers may not find the policies as beneficial. With its strong history and reputation for ethical practices, The Hartford is certainly a strong choice for auto and home insurance.  

The Hartford's premium costs vary by driver and location. If you're hunting for the cheapest car insurance, it pays to shop around. With The Zebra, you can receive accurate quotes based on your individual driving profile. Enter your ZIP code below to get started on the path to finding the coverage that’s best for you.

Weigh your options and get the best value from your next insurance policy.

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.