The Hartford Insurance Review 2022

May 5, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Insurance reviews

The Hartford Auto Insurance
  • Auto insurance

  • Homeowners insurance

The bottom line:

The Hartford primarily caters to customers 50 and older, offering policies through a partnership with AARP.

Pros

  • Above average customer satisfaction ratings for auto insurance.
  • Free benefits like new car replacement included with AARP auto insurance policies.
  • Lots of coverage options for home insurance.

Cons

  • More than the expected number of complaints for both auto and home policies.
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

GET MY RATES

Get started on Insure.com

Auto insurance review

The Hartford Auto Insurance
The Hartford

4.0

/5
 NerdWallet rating 
NAIC complaints
More than expected
Ease of use
Above average
Discounts
Average set of discounts

The Hartford’s insurance offerings are targeted for the 50 and older crowd, cemented by a partnership with AARP to bring additional savings and perks to members. Non-AARP members can purchase home and auto policies through independent insurance agents, and the company also offers group benefits and business insurance.

The Hartford auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

AARP offers auto insurance to its members through a partnership with The Hartford.

AARP auto insurance policies from The Hartford automatically include:

  • RecoverCare, which pays to cover costs for things you can’t do after an injury in a car accident such as snow removal. Availability varies by state.

  • New car replacement, which pays out if your new car is totaled. The Hartford will write you a check for the value of a new vehicle of the same make and model and with the same equipment.

  • Lifetime car repair assurance, if your car is fixed at an approved repair shop.

  • Accident forgiveness, which means your premium won’t increase after your first accident, as long as all drivers on your policy have had a clean record for the past five years. Accident forgiveness isn’t available in California.

  • No deductible on windshield repairs.

  • Legal assistance if you get into an accident.

Disappearing deductible is an optional benefit. With this benefit, The Hartford will reduce your collision deductible as long as you maintain a clean driving record. This feature isn’t available in California.

Auto insurance discounts

  • Bundling policies.

  • Driving hybrid or electric vehicles.

  • Completing young driver training.

  • Insuring cars with more than one air bag or anti-lock brakes.

  • Completing an approved defensive driver course.

  • Paying for your policy upfront.

  • Being a member of AARP.

  • Owning a home.

  • Owning a new vehicle.

  • Having a student who lives away from home.

with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

GET MY RATES

Get started on Insure.com

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

The Hartford Home Insurance
The Hartford

4.0

/5
 NerdWallet rating 
NAIC complaints
Far more than expected
Coverage options
More than average
Discounts
Average set of discounts

The Hartford home insurance coverage

The Hartford offers standard home insurance as well as several home insurance packages. Additional coverage options are available for both AARP and non-AARP members, including:

  • Full Replacement Cost: An option that pays up to 125% of your coverage limits (up to 150% in some areas) if you need to completely rebuild your home.

  • ProtectorPlus Zero Deductible: This option waives your deductible up to $5,000 if you make a claim of $27,500 or more.

  • “New for old” protection: Pays to replace your possessions with new items, regardless of the old possessions’ age or condition (often known as contents replacement cost coverage).

  • Reimbursement for replacing locks: After a deductible, The Hartford pays up to $500 to replace your locks if a key is lost or stolen.

  • Personal injury liability coverage: Helps pay for damages from a libel or slander claim, which standard liability coverage typically doesn’t.

  • Identity fraud expense coverage: Pays out-of-pocket expenses to help you recover after fraud or identity theft.

  • Disappearing property deductible: Reduces your deductible after you’ve been claim-free for three years.

    • Green Rebuilding: If you use environmentally friendly materials or methods to repair your home after a claim, this option increases your policy limits by up to 10%.

    • Equipment breakdown coverage: Helps pay to repair or replace appliances and electronics.

    • Replacement plus coverage: Helps pay for costs to make your kitchen or bathroom safer and more accessible with upgrades such as grab bars in the shower.

    • Water backup and sump pump overflow: Reimburses you if your property is damaged by backed-up water or overflow from a sump pump.

    • Scheduled personal property: Covers over 100% of the insured value of selected items if they’re damaged or destroyed. You may need to have items appraised before they can be scheduled.

    • Valuable items blanket coverage: Raises the payout limit for items such as jewelry and silverware if they’re stolen, lost or damaged — up to $10,000 per item.

Home insurance discounts

  • Bundling auto and homeowners policies.

  • Having home security features.

  • Installing certain fire protection devices like smoke detectors or monitored fire alarms.

  • Owning a new home.

  • Having filed no homeowners claims.

  • Working less than 24 hours a week.

  • Renewing your policy for four years.

The Hartford also offers renters insurance. For more information, read The Hartford/AARP renters insurance review.

Complaints and customer satisfaction

The Hartford had more than the expected number of complaints about auto and home insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

2021 J.D. Power study

The Hartford ranking

Auto insurance shopping

No. 5 out of 12 companies.

Auto insurance claims satisfaction

No. 1 out of 18 companies.

Home insurance

No. 20 out of 21 companies.

Property claims

No. 7 out of 19 companies.

More about The Hartford insurance

Website: You can get a quote, pay your premium, access auto ID cards, manage policies, and file and track claims on The Hartford’s website. It also has basic information about coverage options and discounts.

Mobile app: You can log in to the app and pay bills, track claims, view your policy, see your electronic auto ID card and more. You can also summon roadside assistance, locate a repair shop or agent and start a claim.

Other insurance from The Hartford

Insurance policies available through The Hartford or third-party partners:

  • Boat.

  • Classic car.

  • Recreational vehicle.

  • ATV.

  • Snowmobile.

  • Condo.

  • Renters.

  • Umbrella.

  • Business.

  • Commercial auto.

  • Flood.

  • Golf cart.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Home insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Frequently asked questions