The Hartford Auto Insurance Review: Cost and Discounts (2022)

Founded: 1810

Better Business Bureau (BBB) rating: A+

AM Best financial strength rating: A+

Based in Hartford, Conn., The Hartford began as a fire insurance company. Today, it offers a range of insurance products, including:

• Car insurance
• Home insurance
• Business insurance
• Renters insurance
• Condo insurance

It also offers other types of coverage, such as life insurance and disability insurance, by providing employee benefits for companies.

The Hartford Eligibility

The Hartford operates in most states in the country, but not everyone is eligible for its car insurance. The company only sells new policies to drivers 50 or older who hold AARP membership. These members also get access to discounted car insurance — one of the main benefits of The Hartford. Younger drivers can still be included in family policies, but The Hartford doesn’t market to them.

The Hartford Customer Reviews

There are few online customer reviews for The Hartford outside of its own website. In this section, we’ll look at satisfaction studies from J.D. Power and reviews from customers on the BBB.

The Hartford Reviews: J.D. Power

The Hartford performed well in a number of regions in the J.D. Power 2022 U.S. Auto Insurance Study℠. This study polled more than 36,000 customers on their satisfaction with billing, claims, customer service, price and policy offerings. 

The Hartford ranked in first place in Florida with a score of 860 out of 1,000 points. It also ranked first in the Northwest region and came in second for the Southwest region. However, the company had a below-average score in the Mid-Atlantic region.

The Hartford Reviews: BBB

On the BBB, The Hartford has a customer review score of 1.0 out of 5.0. Unfortunately, there are no positive reviews for The Hartford on the BBB. Some reviewers mention issues with billing and miscommunication. Others mention high prices compared to other options.

However, there are only about 120 reviews of The Hartford on the BBB. Considering the company operates in most states, only a small fraction of customers have reviewed the company on the BBB.

Our team reached out to The Hartford for a comment on its negative reviews but did not receive a response.

The Hartford Claims Reviews

Only a few reviews on the BBB mention The Hartford’s insurance claims service specifically. But in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠, most customers reported having positive claims experiences. The Hartford scored 869 out of 1,000 points, which put it four points below the industry average.

The Hartford Insurance App

The Hartford Auto & Home is a mobile app that allows policyholders to pay bills, view ID cards, report claims, call roadside assistance and more. The app has a 2.7-star rating out of 5.0 on Google Play and a 3.8-star rating out of 5.0 on the App Store.