The Hartford Insurance Review (2025)
- Overall rating: good (3.7/5 stars)
- Average cost: $1,249 for a 6-month policy
- 82.8% of customers recommend The Hartford
Read more below to get a quote directly from The Hartford.
The Hartford Insurance: A good choice for senior drivers
The Hartford is a popular choice for older drivers, thanks in large part to its long-standing partnership with AARP. While rates tend to be slightly above average, the company offers a wide range of discounts to help offset costs.
The claims process is generally smooth, though customers have reported sharp premium increases after collision claims. The Zebra gives The Hartford a good rating for these reasons.
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Self-Service Options: Complete tasks independently without waiting for an agent.
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Market Stability and Longevity: Established history suggests reliable long-term coverage.
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Response Times Across Channels: Long wait times delay urgent issues and create frustration.
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Agent Knowledge and Helpfulness: Staff may be unable to provide answers and require multiple contacts.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is The Hartford car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas The Hartford is about $1,249.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| The Hartford | $389 | $1,249 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how The Hartford stacks up against competitors →
Discounts offered at The Hartford: more options than competitors
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.
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.
Complete a defensive driving course to be eligible for this discount.
This allows you to save money on comprehensive coverage through The Hartford.
| Bundle and Save | Online Quote |
| Paid-in-Full | Good Payer Discount |
| Defensive Driver Course | Drive Safe and Save |
| Safe Driver Training Discounts | Safety Features |
| 5 Years Clean | Vehicle Fuel Type |
To learn more about each discount The Hartford has to offer, see their discounts page.
Compare with other companies
See how The Hartford stacks up against similar companies
Cost: $1,249 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- The Hartford received a superior financial strength rating from A.M. Best
- Above average claims satisfaction
- Special benefits for AARP members
Cost: $954 for a six month auto policy
Customer satisfaction: High
Our take:
- Cheaper prices than The Hartford
- Better service accessibility & support quality scores than The Hartford
- Worse bundling options than The Hartford
Cost: $737 average cost for a six-month policy
Customer satisfaction: Medium
Our take:
- Cheaper prices than The Hartford
- More customer complaints than The Hartford
- Lower digital experience scores than The Hartford
The Hartford's customer service & claims: Mixed experiences
The Hartford's customer service can be a different experience each time you reach out. The customer survey scores tell us that that the agents sometimes lack the knowledge needed to help them, or are stuck waiting a long time for a response. But, for many the claims department is the opposite. Timely help with updated status reports to let you know what they are doing in the backend to help with your claim.
Thinking about The Hartford?
See what other drivers are asking
Will The Hartford raise rates with the first accident?
Will The Hartford lower my rate if I'm not driving very much?
The Hartford Customer Survey results
82.8% of customers recommend The Hartford
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how The Hartford was rated in individual categories by expanding the section below.[2]
How much will your rates climb after filing a claim with The Hartford?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $1,576 |
| None | $1,576 |
| Two comp claims | $1,576 |
| At-fault accident - $1000-$2000 | $3,619 |
| At-fault accident - greater than $2000 | $3,619 |
Source: The Zebra
The Hartford's claims process is accessible online and via their mobile app, making it convenient for policyholders. Claims are often resolved quickly; more complex cases may take longer, but they will keep you in the loop so you're not left wondering what's going on. Customer satisfaction surveys consistently place The Hartford in the upper tier, indicating they offer reliable service while handling complicated claims efficiently.
Coverage options: The basics and more
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.
Carrier pulse: Recent news from The Hartford
- Hartford CEO says company will lead insurance industry in AI .[3]
Final thoughts: Is The Hartford right 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.
Frequently Asked Questions about The Hartford
Get quotes from The Hartford and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Hartford CEO says company will lead insurance industry in AI. Coverager News
Related Content
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 editorial 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.