The Hartford AARP Auto Insurance Review
$3,186
$1,229
Pros
Excellent customer satisfaction rating
Great discounts and coverages for AARP members
Good financial strength
Cons
More expensive than other top companies
Complaint rating is worse than average
Is The Hartford a good company?
The Hartford’s liability-only and full-coverage car insurance rates are over 30% higher than the national average, but it offers some discounts that could help make it cheaper.
The company has also partnered with AARP to offer drivers who are 50 years of age or older and members of AARP lower rates and extra benefits.
The Hartford’s ratings and reviews
| Rating | The Hartford’s score | Industry average |
|---|---|---|
| Complaint rating | 1.92 | 1 |
| Customer satisfaction score | 701 | 697 |
| Financial strength | A+ | Second-highest possible rating |
Sources: J.D. Power, NAIC, AM Best. Lower is better for complaint ratings. Higher is better for satisfaction scores.
The Hartford customer reviews
Insurance company ratings on Trustpilot
| Company | Trustpilot rating* |
|---|---|
| Allstate | 1.2 |
| Farmers | 1.4 |
| The Hartford | 1.1 |
| Liberty Mutual | 1.1 |
| Nationwide | 1.5 |
*Trustpilot rates companies on a scale of 1 to 5. Higher scores are better.
How much does The Hartford car insurance cost?
The Hartford’s average liability-only car insurance rate is $1,229 a year, or $102 a year. This is 33% more than the national average of $829 a year.
The Hartford sells car insurance in all 50 states. In Texas, The Hartford sells through Redpoint County Mutual Insurance Co.
The Hartford’s car insurance rate comparison
| Company | Full coverage | Liability-only | LendingTree score | |
|---|---|---|---|---|
 | State Farm | $1,604 | $661 |  |
 | Travelers | $1,806 | $792 | |
 | American Family | $2,019 | $751 |  |
 | Geico | $2,109 | $797 |  |
 | Progressive | $2,078 | $801 | |
 | Nationwide | $2,402 | $1,024 |  |
| The Hartford | $3,186 | $1,229 | |
The Hartford car insurance cost by driving record
The company’s rates for other drivers with bad records are also higher than the national averages.
The Hartford annual rates by driving record
| Incident | The Hartford | U.S. average | The Hartford vs. average |
|---|---|---|---|
| Ticket | $4,254 | $2,591 | +39% |
| Accident | $4,945 | $3,147 | +36% |
| DUI | $4,882 | $3,891 | +20% |
Car insurance cost for teens with The Hartford
| Type of coverage | The Hartford | U.S. average | The Hartford vs. average |
|---|---|---|---|
| Liability | $2,991 | $2,673 | 12% |
| Full coverage | $9,080 | $6,359 | 30% |
Car insurance discounts from The Hartford
- Anti-theft systems
- Auto and home insurance bundling
- Driver education
- Multi-car
- Online quotes
- Pay in full
- Safe driver
- Safety equipment
A notable discount is available to AARP members through The Hartford. If you’re 50 years of age or older and an AARP member, you can save up to an average of $577 on your car insurance costs over six months.
Hartford discounts vs. other companies
| Discount | The Hartford | Allstate | American Family | Geico | Progressive | State Farm |
|---|---|---|---|---|---|---|
| Bundling | Yes | Yes | Yes | Yes | Yes | Yes |
| Defensive driving | Yes | No | Yes | Yes | No | Yes* |
| Usage-based | No | Yes | Yes | No | No | No |
| Safety app | Yes | Yes | Yes | Yes | Yes | Yes |
*Depends on the state
The Hartford car insurance coverage
Standard coverages
| Coverage type | What it covers |
|---|---|
| Liability | Property damage and injuries you cause to others in an accident |
| Comprehensive and collision | Damage to your own vehicle |
| Uninsured and underinsured motorist | Protects you if you’re in an accident with a driver with no insurance or not enough coverage to pay your expenses |
| Medical payments | Claim-related medical bills |
| Personal injury protection | Helps pay your own claim-related medical bills, regardless of who caused the accident |
Optional coverages
| Coverage type | What it covers |
|---|---|
| Full glass | Your car’s windows, headlights and mirrors after an accident |
| Gap | The difference between the current value of your car and how much you owe on your car loan if it’s stolen or totaled |
| Rental car coverage | Damage to a rental car |
| Rental car reimbursement | The cost of a rental car after a comprehensive or collision claim |
| Roadside assistance | Towing and labor after a car breakdown |
AARP car insurance benefits through The Hartford
| Benefit | What it offers |
|---|---|
| Accident forgiveness | If you’re in an accident and no one on your car insurance policy has had an accident in five or more years, the crash won’t cause your premium to go up |
| Disappearing deductible | Your collision deductible will go down if you drive safely and keep your driving record clean |
| New car replacement | If your new car is totaled, The Hartford will replace it with the same make and model without factoring in depreciation |
| RecoverCare | This benefit helps pay for home services, like house cleaning, if you need them after an accident |
| Roadside assistance | The Hartford offers AARP members 24/7 emergency roadside assistance, including flat tire, locksmith and towing services |