The Hartford auto insurance: Overall verdict
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 1.37, which is a little above the expected number for a company of its size. It also has an AM Best rating of A+ (Superior).
The Hartford performed well in our survey of customers, but because it doesn’t provide rate information to our data partner, Quadrant Information Services, we can’t compare rates.
- Scored in the 80s for customer satisfaction, ease of service and policy offerings
- Offers special discounts for senior drivers
- The Hartford doesn’t provide public rate data, so we can’t rank it
- Although it caters to seniors, it wasn’t the highest rated-carrier for that group in our survey
The Hartford availability by state
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 auto insurance coverages does The Hartford offer?
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 1.37; 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 2026 due to a lack of rate data. 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.
| Company | AM Best | NAIC complaint ratio | Survey score for customer satisfaction | Survey score for claims service |
|---|---|---|---|---|
| The Hartford | A+ (Superior) | 1.37 | 84% | 80% |
| Liberty Mutual | A | 1.28 | 83% | 77% |
| State Farm | A+ | 0.87 | 84% | 80% |
*The study average was 700
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 | $963/year |
| TrueLane usage-based program | 15% to 40% |
| Paid-in-full | Eligible for discounts |
| 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
What do people ask about The Hartford?
We looked around to find out what questions people are asking about The Hartford; you’ll find our answers below.
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.
Methodology
Insurance.com surveyed 2,000 auto insurance customers in late 2025. The survey was conducted by the independent research firm Dynata. Respondents were asked to name their auto insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Discounts offered
- Fair rate increases over time
- Insurance for young drivers/teenagers
- Insurance for college students
- Insurance for senior drivers
- Insurance for drivers with tickets or accidents
- Auto and home bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current auto insurance company
- I would recommend my auto insurance company to others
- I trust my auto insurance company
The percentage of respondents who said yes is presented in the results. The editors compile the survey results and then select – based on the number of survey responses – the top companies for further evaluation.
Learn more about our data and methodology.
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