Jane Dotson
The Hartford offers auto insurance exclusively to members of the American Association of Retired People (AARP). The company has been in the insurance business since 1810 and has offered insurance products to AARP members since 1984.
The Hartford's auto insurance rates are higher than the national average, with an annual full-coverage policy costing around $2,715 and a minimum coverage policy costing roughly $862 per year. The company offers a range of discounts to AARP members, including a 10% discount on insurance policies, a discount for paying the policy in full, and a discount for completing an approved defensive driving course.
The Hartford's auto insurance coverage includes liability coverage, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage. The company also offers additional coverages, such as new car replacement, RecoverCare, lifetime repair guarantee, accident forgiveness, and more.
The Hartford has received mixed customer reviews, with some praising the company's customer service and claims handling, while others have criticised its rates and billing practices. The company has also received more complaints than average to state regulators, according to the National Association of Insurance Commissioners (NAIC).
| Characteristics | Values |
|---|---|
| Average annual premium for full coverage | $2,715 |
| Average annual premium for minimum coverage | $862 |
| J.D. Power rating | 887/1,000 |
| NAIC complaint index | 3.88 |
| AM Best rating | A+ |
| Moody's rating | A1 |
| Standard and Poor's rating | BBB+ |
| Average annual premium for full coverage (55-year-old) | $2,129 |
| Average national cost of full-coverage car insurance (2023) | $7,581 |
| Average national cost of car insurance (August 2024) | $2,329 |
| Average national cost of car insurance (September 2023) | $2,014 |
| Average national cost of car insurance (January 2024) | $2,542 |
| Average national cost of car insurance (2018) | $1,057 |
What You'll Learn
The Hartford's car insurance rates for different ages
The Hartford offers car insurance exclusively to members of the American Association of Retired Persons (AARP), who are aged 50 or older. The company provides a range of discounts and benefits to its customers, including savings of up to 10% for AARP members.
The average annual rate for car insurance from The Hartford is $1,520, compared to a national average of $2,071. However, rates can vary depending on age, with older drivers often paying lower premiums than younger drivers.
For example, the average driver aged 55 pays $1,276 annually for car insurance, while drivers aged 85 and older pay an average of $2,416 per year. The Hartford's rates for full coverage policies also vary by age, with the average annual cost for a 55-year-old driver being $2,129, while the average cost for a driver aged 18 is $7,581.
In addition to age, other factors that can affect car insurance rates at The Hartford include credit score, driving record, location, gender, and coverage type.
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The Hartford's car insurance rates for different driver profiles
The Hartford offers car insurance exclusively to members of the American Association of Retired Persons (AARP), who are aged 50 or older. The Hartford's car insurance rates vary depending on the driver's profile, including age, driving history, location, and vehicle type. Here is a breakdown of The Hartford's car insurance rates for different driver profiles:
Age
The Hartford's rates are generally lower for older drivers. For example, a 55-year-old driver with a good driving record may pay around $2,129 per year for insurance, which is about 20% higher than the national average for this age group. On the other hand, teenage drivers and young adults can expect to pay higher rates. The Hartford is one of the more expensive providers for teenage drivers, with an average national cost of full-coverage car insurance of $7,581 per year.
Driving History
Drivers with a clean driving record will typically pay lower rates. The Hartford's average rates for a driver double if they have an at-fault accident on their record.
Location
Location also plays a role in determining insurance rates. Drivers in densely populated areas or areas with higher rates of theft, vandalism, or accidents may pay higher insurance rates.
Vehicle Type
The type of vehicle insured can also impact the cost of insurance. Vehicles that are more expensive to repair or are more likely to be stolen will generally cost more to insure.
Credit History
In most states, drivers with poor credit scores will pay higher insurance premiums as they are considered higher-risk.
Overall, The Hartford's car insurance rates tend to be higher than the national average, especially for younger drivers. However, AARP members may be able to take advantage of exclusive discounts and benefits, such as a 10% discount on their policy, which can help lower their insurance costs.
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The Hartford's car insurance rates for different US states
The Hartford offers car insurance in all 50 US states, but only to members of the American Association of Retired People (AARP). The company has offered exclusive insurance to AARP members since 1984 and does not offer policies to other demographics. To become an AARP member, you must be 50 or older and apply for membership.
The Hartford's car insurance rates vary across different states and depend on several factors, including age, location, credit and driving history, and type of vehicle.
According to Marketwatch, a full-coverage car insurance policy through The Hartford averages around $2,715 per year, or $226 per month, while minimum coverage costs an average of $862 per year, or $72 per month. Bankrate, on the other hand, states that the national average cost of car insurance for a full-coverage policy in August 2024 is $2,329 per year, while The Hartford's average is $2,687. For minimum coverage, Bankrate gives a national average of $633 per year, while The Hartford's average is $739.
The Hartford's car insurance rates for different age groups are as follows:
- 16-year-olds: $10,564
- 18-year-olds: $7,944
- 21-year-olds: $3,468
- 25-year-olds: $2,440
- 30-year-olds: $1,860
- 35-year-olds: $1,680
- 40-year-olds: $1,560
- 45-year-olds: $1,560
- 50-year-olds: $1,512
- 55-year-olds: $2,129
- 60-year-olds: $1,836
The Hartford's car insurance rates also vary depending on the driver's history. For example, a driver with a speeding ticket would have an average full-coverage premium of $2,016, while a driver with an at-fault accident would have an average premium of $2,448.
In addition to standard coverage options, The Hartford offers some unique add-ons, including new car replacement and RecoverCare, which covers necessary services like house cleaning or dog walking after an accident.
The Hartford also provides various discounts, such as for AARP members, online quotes, electric or hybrid vehicles, defensive driving courses, and safe driving habits through its TrueLane telematics program.
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The Hartford's car insurance rates for different coverage levels
The Hartford offers a range of car insurance coverage options, with policies available for drivers of different ages, vehicle types, and coverage needs. Here is an overview of The Hartford's car insurance rates for different coverage levels:
Minimum Coverage
The Hartford offers minimum coverage policies, which provide basic protection as required by state laws. The average annual cost of minimum coverage from The Hartford is $862, or $72 per month. This option is suitable for drivers seeking essential coverage at a more affordable price.
Full Coverage
For drivers seeking more comprehensive protection, The Hartford offers full coverage policies. The average annual cost of full coverage from The Hartford is $2,715, or $226 per month. This option includes collision and comprehensive coverage, providing broader protection for various scenarios, including accidents, natural disasters, vandalism, and theft.
AARP Members
The Hartford has a partnership with AARP, offering exclusive benefits and discounts to members aged 50 and above. AARP members can take advantage of discounted rates, with an average annual cost of around $2,129, or $177 per month, for full coverage. This option is ideal for older drivers looking for a combination of coverage and savings.
Additional Coverage Options
The Hartford also provides several optional coverage add-ons, such as new car replacement, RecoverCare coverage, lifetime repair guarantee, disappearing deductible, and accident forgiveness. These options allow customers to further customize their policies to meet their specific needs.
Factors Affecting Rates
It's important to note that car insurance rates can vary based on several factors, including age, driving history, credit history, vehicle type, and location. The Hartford considers these factors when determining the final premium for each customer, so rates may differ from the averages mentioned above.
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The Hartford's car insurance discounts
The Hartford offers a range of discounts for its car insurance customers, especially those who are members of AARP. Here is a detailed list of the car insurance discounts offered by The Hartford:
AARP Membership Discount
The Hartford offers a discount of up to 10% on car insurance for AARP members. This discount is available in most states and is a significant benefit for those who are 50 years or older and hold an AARP membership.
Defensive Driver Course Discount
The Hartford provides discounts for safe drivers who have completed an approved defensive driving course. This discount can be applied for three years after finishing the course.
TrueLane Program
The TrueLane Program is a telematics program that rewards safe driving habits. By enrolling in this program, drivers can receive an initial discount of up to 12%, with the possibility of earning an additional discount of up to 25% at renewal, depending on their driving behaviour.
Vehicle Fuel Type Discount
The Hartford offers discounts for drivers of electric or hybrid vehicles. This discount encourages the use of environmentally-friendly cars, benefiting both the driver and the environment.
Online Quote Discount
The Hartford also provides a discount for customers who obtain a quote online through their website. This discount is a convenient way to save money on car insurance.
Paid-in-Full Discount
The Hartford offers a discount for customers who pay their policy in full instead of making monthly payments. This discount can help those who prefer to pay their insurance premiums upfront.
Driver Training Discount
The Hartford provides a driver training discount for drivers under the age of 21 who complete an approved training course. This discount encourages young drivers to improve their driving skills and knowledge, potentially leading to safer driving habits.
Airbags and Anti-Theft Devices
The installation of airbags and anti-theft devices in your vehicle can also lead to discounts on your car insurance with The Hartford. These safety and security features can help reduce the risk of injuries in an accident and lower the chance of vehicle theft, making them favourable to insurers.
Bundling Home and Auto Insurance
The Hartford offers a discount for customers who bundle their home and auto insurance policies. This discount can save you up to 5% on your auto policy and up to 20% on your home policy, providing a significant benefit for those who own a home and a vehicle.
In addition to these discounts, The Hartford also offers savings for customers who combine coverages, such as auto and renters insurance or auto and condo insurance. The company also provides exclusive benefits and perks for AARP members, including discounts on groceries, car repairs, travel expenses, and pet insurance.
The Hartford's range of discounts and benefits can help customers save money on their car insurance, especially those who are AARP members. It's important to note that the availability and amount of these discounts may vary by state and other factors. Customers are encouraged to contact The Hartford directly or visit their website for more detailed information about the discounts offered in their specific location.
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Frequently asked questions
There is no set price for car insurance for a 25-year-old. Mature drivers tend to have lower premiums than younger drivers, but rates vary depending on factors such as driving history.
On average, a driver would pay about $168 a month for coverage. However, this amount may vary depending on the driver's specific needs.
The cost of full-coverage auto insurance depends on where you live and other factors. Full coverage typically includes collision and comprehensive insurance, as well as meeting your state's minimum requirements.
The average cost of car insurance in the U.S. is $2,014 annually. However, rates vary based on factors such as location, driving history, and type of car.
