The Hartford
- Free benefits like new car replacement included with AARP auto insurance policies.
- Available in all 50 states plus Washington, D.C.
- Far more than the expected number of complaints for auto insurance policies.
- Some coverage types and discounts are limited to AARP members.
NerdWallet's take on The Hartford auto insurance
The Hartford earned 4.5 stars out of 5 for its online customer experience as well as its discount offerings.
Best for: Drivers with an AARP membership who can take advantage of extra discounts and perks.
Not ideal for: Drivers without an AARP membership.
Where The Hartford auto insurance stands out
Great coverage options. The Hartford’s coverage add-ons address a wide range of potential problems where you might file a claim. However, most of the best options — like accident forgiveness or new car replacement — require you to also be an AARP member.
Tailored for older drivers. Drivers in their 50s and 60s typically pay less for car insurance than other age groups. The Hartford’s discounts make it an even more affordable choice for older drivers, and particularly someone with an AARP membership.
Where The Hartford auto insurance falls short
Limited options for most people. While The Hartford might be a great fit for older drivers, some of its coverage types and discounts are limited to AARP members.
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How much does The Hartford car insurance cost?
The Hartford car insurance costs an average of $183 per month or $2,194 per year for a full coverage policy, according to NerdWallet’s November 2025 analysis. That's compared to the national average of $2,300 per year.
For minimum coverage, The Hartford car insurance costs an average of $62 per month or $748 per year, according to our November 2025 analysis. Compare that to the national average of $52 per month, or $627 per year.
While The Hartford sells car insurance in all 50 states plus Washington, D.C., our cost analysis only includes several locations. Rates data for The Hartford wasn’t available for many states where the company sells policies.
» MORE: Compare car insurance rates
The Hartford auto insurance rates by age
Insurers look at several factors to determine your car insurance price, and age is one of them. For example, young drivers typically pay more than any other age group because they are often more likely to take risks when driving. But your rates start to decrease in your 30s, and they’ll keep falling throughout adulthood before starting to increase in your 70s.
While The Hartford’s partnership with AARP makes it a good fit for many older drivers, here's a look at how its average car insurance rates change for drivers of different ages, based on available rates data:
Young drivers. The average cost of The Hartford car insurance for 20-year-old drivers is $3,182 per year, or $265 per month. That's compared to the national average for this age group, which is $4,684 per year, or $390 per month.
Adult drivers. The average cost of The Hartford car insurance for 40-year-old drivers is $2,104 per year, or $175 per month. That's compared to the national average for this age group, which is $2,232 per year, or $186 per month.
Senior drivers. The average cost of The Hartford car insurance for 60-year-old drivers is $1,798 per year, or $150 per month. That's compared to the national average for this age group, which is $1,988 per year, or $166 per month.
- More The Hartford auto rates by age
Age Company median rate National median rate 20 $3,182 $4,684 30 $2,426 $2,375 35 $2,194 $2,300 40 $2,104 $2,232 50 $1,937 $2,074 60 $1,798 $1,988 70 $1,819 $2,125
The Hartford auto insurance rates by driver profile
Your age isn’t the only piece of personal information that can affect your car insurance rates. Insurers also put a lot of value behind your driving history, such as whether you have a recent speeding ticket or accident. Companies may also calculate a credit-based insurance score for you, which they use to predict how likely you are to file a claim.
While rates from The Hartford were only available in a few states, here are the company’s average full coverage rates for 35-year-old drivers in different categories:
Poor credit. The average cost of The Hartford car insurance for drivers with poor credit is $2,209 per year, or $184 per month. The national average for this group of drivers is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of The Hartford car insurance for a driver with a speeding ticket is $3,524 per year, or $294 per month. The national average for this group of drivers is $2,931 per year, or $244 per month.
At-fault crash. The average cost of The Hartford car insurance for a driver with an at-fault crash is $4,830 per year, or $403 per month. The national average is $3,405per year, or $284 per month.
DUI. The average cost of The Hartford car insurance for a driver with a DUI is $8,583 per year, or $715 per month. That's compared to the national average, which is $4,265 per year, or $355 per month.
The Hartford auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Bundling policies.
Enrolling in The Hartford’s TrueLane program.
Insuring cars with certain safety features like anti-lock brakes.
Completing an approved defensive driver course.
Paying for your policy upfront.
Paying for your policy on time.
Being a member of AARP.
Getting a quote online.
Maintaining a clean driving record for 5 years. (This discount is only available if you are an AARP member.)
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Having only the minimum required insurance can leave you having to pay for costly repairs out of pocket, however. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
The Hartford car insurance coverage
Whether you have an AARP membership or not, The Hartford's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
AARP auto insurance policies from The Hartford may automatically include several valuable coverage options, such as:
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.)
Disappearing deductible, which reduces your collision deductible as long as you maintain a clean driving record. (This feature isn’t available in California.)
Lifetime car repair assurance, as long as your car is fixed at an approved repair shop.
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.
RecoverCare, which pays to cover costs for things you can’t do after an injury in a car accident, such as house cleaning. (Availability varies by state.)
Roadside assistance, which will cover towing and repair costs if your car breaks down.
Additionally, The Hartford offers some types of optional coverage to all drivers, such as:
Full glass coverage. If you add this to your policy, The Hartford will replace your windows, mirrors and headlights when they are damaged, even if it’s the result of vandalism and not an accident. Add this to your policy if you’d have trouble paying for a glass repair out of pocket.
Gap insurance. If you finance or lease your car, this coverage pays the difference between your vehicle’s actual value and the amount you still owe on it. Consider this coverage to avoid still owing on a car that’s no longer driveable.
Rental car reimbursement. This type of coverage pays for the cost of renting a vehicle while yours is in the shop as part of a covered claim. Drivers who don’t have backup transportation can benefit from this coverage.
And although it’s not quite the same as adding coverage types to your policy, you can also get rental car insurance from The Hartford. While an AARP membership extends your personal auto policy to a rental car, non-AARP members may be able to get different types of rental coverage from The Hartford.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
The Hartford’s TrueLane program
The Hartford’s TrueLane app rewards drivers for safe driving habits, such as not speeding, avoiding sudden turns and not using your phone while driving. You’ll receive a discount for signing up and may earn an additional discount when you renew, depending on your driving behavior while using the app. However, your insurance costs might go up if you have risky driving habits.
Is The Hartford a good insurance company?
The Hartford can be a good insurance company for drivers with AARP memberships. While state regulators received a high number of complaints for The Hartford, customer reviews tend to rate the insurer closer to average for its shopping and claims processes.
Complaints: State regulators received far more than the expected number of complaints about The Hartford auto insurance. This is according to three years of data from the National Association of Insurance Commissioners (NAIC).
Shopping: The Hartford was ranked No. 13 out of 18 companies in J.D. Power's 2025 U.S. Insurance Shopping Study. This study measures how shoppers feel about a company's buying process.
Claims satisfaction: The Hartford was ranked No. 9 out of 20 companies in J.D. Power's 2025 Auto Claims Satisfaction Study. This survey measures how customers feel about an insurer's claims process.
See what you could save on car insurance
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More information about The Hartford car insurance
Customer service: Customers with an insurance policy through AARP can call 800-423-6789, while non-AARP customers can call 877-896-9320. You can also contact a local agent.
Website: You can get a quote, pay your premium, request roadside assistance, access auto ID cards, manage policies and file and track claims on The Hartford’s website. It also has information about coverage options and discounts, as well as details about the perks for AARP members.
Mobile app: The Hartford app allows you to pay bills, track claims, view your policy, see your electronic auto ID card and more. You can also manage your home and business insurance policies from the same account.
Other The Hartford insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
In what states does The Hartford sell policies?
In what states does The Hartford sell policies?
The Hartford sells policies in all 50 states and Washington, D.C.
How do I get a quote from The Hartford?
How do I get a quote from The Hartford?
You can get a quote on The Hartford website or by calling 888-684-5019.
How do I file a claim with The Hartford?
How do I file a claim with The Hartford?
The Hartford lets you file a claim online or through its mobile app.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. 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 and full ratings methodology for auto insurance.
