Haris Ashley
The Hartford is an insurance company that offers a wide range of insurance options, including auto, home, and business insurance. The company primarily caters to drivers aged 50 and older through its partnership with AARP, providing special benefits and discounts to members. The Hartford has received mixed reviews from customers, with some praising its fair treatment of customers, ease of working with, and compassionate claims handling, while others have criticised its pricing, customer service, and handling of disability insurance/critical illness claims. The company has received ratings from various organisations, including WalletHub, J.D. Power, NAIC, and AM Best, which assess factors such as pricing, coverage options, customer satisfaction, and financial strength.
| Characteristics | Values |
|---|---|
| Customer Satisfaction Score (J.D. Power) | 3.2/5 (slightly above average) |
| WalletHub Rating | 3.4/5 |
| WalletHub Editor Rating | 3.8/5 |
| NAIC Rating | 0.26 |
| AM Best Rating | A- |
| Average Annual Rate | $767 |
| National Average Annual Rate | $671 |
| Average Savings on Auto Insurance | $577 |
| Average Savings on Home Insurance | $236 |
| Customer Service | Good |
| Customer Reviews | Good |
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What You'll Learn
Customer satisfaction
The Hartford has received high customer satisfaction ratings from J.D. Power in some regions, with a score of 8.66/10 overall, placing it 7th. The company also received a rating of 3.4/5 from WalletHub's editors, based on customer reviews, insurance quotes, and ratings from watchdog groups. The Hartford's NAIC rating is 0.26, indicating that it receives fewer complaints than the average car insurance provider.
However, The Hartford's home insurance offering received a score of 626/1,000 from J.D. Power, falling short of the 640/1,000 average for overall satisfaction. Similarly, The Hartford ranked just below average in the 2024 J.D. Power U.S. Property Claims Satisfaction Study with a score of 864 against an industry average of 869. The company also falls below average in overall customer satisfaction when compared to other national providers, according to MoneyGeek.
The Zebra's Customer Satisfaction Survey, which measures customer satisfaction for top insurance companies, found that The Hartford scored 3.2/5. The Hartford also ranked below average in overall client satisfaction according to JD Power, although it was rated above average in overall auto customer satisfaction.
Despite these mixed reviews, The Hartford is consistently one of the highest-rated insurance companies, with high average ratings from customers. The company's auto insurance offering is particularly well-regarded, with customers praising its coverage options, benefits, and support. The Hartford's partnership with AARP also contributes to high customer satisfaction among older drivers, with exclusive benefits and discounts available to members.
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Cost and pricing
The cost of insurance from The Hartford depends on a variety of factors, including the type of insurance, the driver's age, driving history, location, and type of vehicle insured.
The Hartford caters primarily to drivers aged 50 and older and partners with AARP to offer special benefits to its members. The average cost of car insurance for customers of the AARP Auto Insurance Program from The Hartford was $1,389 per year or $116 per month in 2024. The company also offers discounted rates for younger drivers who complete an approved training course. The Zebra reports that the national average for a 6-month car insurance policy is $880, while The Hartford's average is about $1,249, or roughly 15% more expensive. However, The Hartford's rates may vary based on personal factors and eligible discounts.
The Hartford offers various coverage options, including liability insurance, uninsured motorist coverage, comprehensive coverage, full glass coverage, car towing coverage, gap insurance, and rental car reimbursement. The company also provides exclusive benefits to AARP members, such as savings of up to 10% on their insurance policies. Additionally, AARP members who maintain a clean driving record for five years can save up to 10% on their auto insurance policy. The Hartford also offers safe driver discounts for vehicles with safety features like anti-lock brakes or anti-theft devices.
The average rates for The Hartford car insurance are $3,581 and $1,144 per year, according to Bankrate. However, these rates can fluctuate significantly based on various driver profiles and personal rating factors. The average cost of car insurance per month in 2018 was $1,057, according to the Insurance Information Institute (III). The Hartford also offers home insurance, and rates for homeowners insurance can vary significantly from one company to another, reflecting differences in coverage options, risk assessments, and regional factors.
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Coverage options
The Hartford is an insurance company that provides a range of coverage options for home, auto, and business. The company primarily caters to drivers aged 50 and older, partnering with AARP to offer special benefits to members of the organization.
The Hartford offers standard auto insurance coverages, including liability, comprehensive, and collision insurance. Additionally, it provides optional add-ons, such as roadside assistance, rental car reimbursement, accident forgiveness, and disappearing deductibles. The company also offers gap insurance, car towing coverage, and new car replacement coverage.
For homeowners, The Hartford provides standard coverage types like dwelling, other structures, and personal liability. They also offer an extensive list of coverage add-ons, allowing for personalized policies. However, homeowners insurance from The Hartford is not available in all states, which negatively impacts its overall rating.
The Hartford also offers business insurance with instant coverage options and the ability to make on-demand policy modifications. They provide various types of coverage, including general liability insurance, business property insurance, cyber-liability and data breach insurance, commercial auto insurance, and professional liability insurance.
The cost of insurance policies from The Hartford depends on several factors, including age, driving history, and the type of vehicle insured. The company offers various discounts to make their policies more affordable, such as good student discounts, defensive driver course discounts, anti-theft device discounts, and bundling discounts.
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Discounts and benefits
The Hartford offers a wide variety of insurance options and is perhaps best known for its AARP Auto Insurance Program, which features coverage options, discounts, and other benefits created specifically for drivers aged 50 and older.
The Hartford offers several discounts and benefits to help AARP members save through the AARP Auto Insurance Program. While car insurance rates are based on different factors, drivers who switch can save an average of $577 on their auto insurance compared to their prior insurance company. AARP members can expect special benefits just for signing up.
The Hartford's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices will also impact your rate. The Hartford also offers a Good Student discount: if there is a driver on the policy who is a full-time student between the ages of 16 and 25 who maintains a B average or higher (3.0 on a 4.0 scale), you could receive a car insurance discount.
The Hartford publishes reviews so you can read about actual experiences its customers have shared. Customers of The Hartford consistently rate the AARP Auto Insurance Program highly, saying they are treated fairly and with compassion. The Hartford is known for treating every customer fairly, being easy to work with, approaching each claim with compassion, and remaining accessible at all times.
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$19.07 $19.99
Customer service
The Hartford is an insurance company that provides a range of coverage options, including auto and home insurance. The company has received mixed reviews for its customer service, with some customers praising its ease of use and compassion while others have criticised it for being misleading and unhelpful.
On Trustpilot, some customers have complained about unexpected increases in their insurance quotes and bills, with one customer stating that they were charged $1400 more annually for a cheaper insurance policy compared to competitors. Another customer criticised the company for cancelling their home insurance policy without notice, which caused issues when trying to obtain insurance from another company.
However, The Hartford has also received positive reviews from AARP members who have praised the company for treating them fairly and with compassion. The Zebra, an insurance comparison website, gives The Hartford 4.4/5 stars, taking into account price, customer service, coverage, and financial strength. WalletHub's editors give the company 3.4/5 stars, with reviewers noting that the company provides poor customer service, high premiums, and delays in claims payments.
The Hartford offers a 24/7 claims hotline and an online customer service centre called "My Account", which allows customers to manage their policies and access important insurance documents. The company also provides a premium audit service to ensure customers are paying the correct amount for their coverage. While The Hartford has received high ratings in customer satisfaction from some sources, individual experiences may vary, and it is important for customers to consider their personal needs and preferences when choosing an insurance provider.
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Frequently asked questions
WalletHub's editors gave Hartford Insurance a rating of 3.4/5, based on customer reviews, insurance quotes, and ratings from watchdog groups.
Hartford Insurance scored 626/1,000 in the 2024 J.D. Power Home Insurance Study, which is below the average for overall satisfaction. However, it still ranks above prominent providers such as AAA, Farmers, and Travelers.
Hartford Insurance has been rated A- by AM Best, indicating that it is financially strong and capable of paying out claims.
Customer ratings for Hartford Insurance are generally positive. Customers have praised the company for offering the coverages they need, treating them fairly and with compassion, and being easy to work with. However, some customers have criticized the company for its high rates and poor customer service.
