Our take
The Hartford car insurance program is tailored to AARP members, offering car insurance for seniors. AARP members earn discounts and added benefits when buying car insurance with The Hartford, which makes it a great choice for senior drivers.
The Hartford has a National Association of Insurance Commissioners (NAIC) complaint ratio of 1.54, which is above the expected number for a company of its size. It also has an AM Best rating of A+ (Superior).
Because The Hartford doesn’t provide rate information to our data partner, Quadrant Information Services, we can’t compare rates.
- Offers discounts to senior drivers
- Includes extra benefits at no charge
- You must be at least 50
- You must be an AARP member
Where is The Hartford car insurance available?
The Hartford offers car insurance in all 50 states and Washington, D.C.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington, D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What does The Hartford auto insurance cover?
The Hartford offers a full range of car insurance policies to meet most drivers' needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings include:
- Full glass coverage
- Gap insurance
- Roadside assistance
- Rental car reimbursement
- Rental car coverage
How does The Hartford rank?
The Hartford has an AM Best rating of A+ (Superior) and a complaint ratio of 1.54; 1.00 is considered average based on the expected complaint volume for a company of its size.
We didn’t rank The Hartford against other companies in our Best Car Insurance Companies ranking for 2025. However, we did gather information on third-party ratings and customer opinions through our annual survey of insurance customers, which is presented here as the percentage of customers who said they were satisfied.
| AM Best | J.D. Power claims rating* | NAIC complaint ratio | Survey score for customer service | Survey score for claims service |
|---|---|---|---|---|
| A+ (Superior) | 701/1,000 | 1.54 | 82% | 84% |
*The study average was 697
How much is The Hartford auto insurance?
Average auto insurance premiums from The Hartford are unavailable through our data provider, Quadrant Information Services, as the company has not released its rate information. To compare rates from The Hartford, you must contact the company to request a quote.
The Hartford promises cheaper car insurance for seniors, but you should always compare rates from other providers.
The Hartford auto insurance discounts
Discounts can help you save on The Hartford car insurance. Below, you’ll find some of the available car insurance discounts and how much you could save.
| Discount | Average savings* |
|---|---|
| Bundling auto and home | $813/year |
| TruLane usage-based program | 15% to 40% |
| Paid-in-full | N/A |
| Good payer | Up to 10% |
| Defensive driver course | Up to 5% for three years |
| Online quote | Up to 8% |
| 5 years clean | Up to 10% |
| Safety features | N/A |
*per The Hartford’s website
Methodology
Company survey scores are based on our 2025 Best Car Insurance Companies ranking. Full methodology here.
What do people ask about The Hartford?
What benefits are part of The Hartford AARP car insurance program?
AARP members get the following benefits with The Hartford:
- Savings of up to 10% on car insurance premiums
- Lifetime car repair assurance
- New car replacement
- RecoverCare post-accident assistance
- Accident forgiveness
- Disappearing deductible
- Roadside assistance
Who is eligible for The Hartford’s AARP car insurance program?
To be eligible for AARP car insurance with The Hartford, you must be at least 50 years old and an AARP member. However, you can add people under 50 who are not AARP members to your policy.
Can you get The Hartford insurance without being an AARP member?
No. The Hartford’s AARP program is only open to AARP members.
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