Hartford Insurance: Overview

The Hartford has been providing insurance coverage since 1810.

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About Hartford

In 1810, Nathaniel Terry was the president of a small fire insurance company which, 15 years later, wrote a policy for Yale University. In 1835, a large fire destroyed most of the buildings in New York City’s Financial District and all claims were paid. In 1861, the Hartford provided protection for president-elect Abraham Lincoln’s Illinois home after he arranged to move to the White House. In 1871, a fire ravaged more than three square miles of Chicago, and Hartford took care of the casualties. In 1906, 500 city blocks in San Francisco were destroyed by an earthquake and fires. The Hartford paid over $11 million in damages. In 1913, The Hartford formed the Accident and Indemnity Company, providing improved automobile and property coverage for fires, accidents, liability and more. In 1920, the company covered Baby Ruth with a policy. Years later, they even protected President Dwight Eisenhower’s 190-acre farm, where he hosted world leaders. In 1931, the Hartford insured the Hoover Dam, in 1937 the Golden Gate Bridge. In 1959, they insured the St. Lawrence Seaway. In 1947 The Hartford established the Junior Fire Marshal program, which has been teaching fire prevention and safety to millions of children. In 1983, a dedicated small business service center was formed to meet the new demands for businesses. In 1984, The Hartford became the exclusive provider of home and auto insurance for AARP members and the Hartford Center for Mature Market Excellence was established to empower mature adults. In 2001 the company paid over $850 million in claims after the 9/11 terror attacks. Since 1994, The Hartford has been a sponsor of the U.S. Paralympics. Since 2003, they’ve participated in the Ability Equipped program, which provides access to adaptive sports and equipment for people with disabilities across the country. The year 2010 was The Hartford’s 200th anniversary. Since its inception, the company has been named a World’s Most Ethical Company 11 times by the Ethisphere Institute.

Hartford Facts & Ratings

Year Founded1810
Financial StrengthExcellent
BBBA-
S&P Rating A
A.M Best RatingA
NAIC Complaint Ratio1.65

Hartford Mobile App Rating

iOS
     3.9265 user reviews
Android
     3.7513 user reviews

The Hartford smartphone app allows users to view important documents and access a digital auto ID card. You can pay bills, file and track claims, contact an agent, access roadside assistance and more.

Pros & Cons of Hartford

  • Great discounts for AARP members for both auto and home.
  • High customer satisfaction ratings.
  • This is not the most affordable option for newer drivers and non-AARP members.
  • A high number of complaints filed.

Common Questions about Hartford (AARP)

Is AARP® membership required to purchase Hartford auto and home insurance?

The Hartford is the only auto insurance endorsed by AARP for its members, however, you can buy insurance from The Hartford even if you are not an AARP member. Compare rates here. Policies include lifetime renewability, which means that you are covered as long as you pay premiums. Your rate is also locked in for 12 months.

Is the Hartford Insurance customer service good?

The customer service rating for the Hartford is average or better for car insurance and homeowners insurance but the complaint ratio was relatively high.

Can anyone purchase the AARP auto insurance program from the Hartford?

To be an AARP auto insurance program member with Hartford you have to become an AARP member first. Otherwise, you can buy auto insurance from the Hartford separately and will not be eligible for some of the benefits that go to AARP members. To become a member you must be eligible for Medicare or Medicare Advantage. An agent here can help you.

Is Advantage Plus policy coverage by Hartford worth it?

With Advantage Plus, if you are in an accident, your collision deductible could be reduced as much as $150 (typical deductibles are $500 or $1000). Your surcharge for the accident will be waived and that’s a savings of more than $750 for the average customer. Repairing your car will also be discounted $100 from your deductible (yes, a second time). You’ll also get the promise that you’ll never be dropped by The Hartford.

Is Hartford flood insurance part of their home insurance?

Flood insurance is a separate policy and is never included in any standard home insurance policy. You’ll need to buy both to be covered for flooding.

What is the Hartford RecoverCare auto insurance program?

If you have an accident that is severe enough to keep you from being able to clean the house, cut the lawn, remove snow or even walk the dog, the Harford RecoverCare program will help cover the costs. It will also help cover transportation costs if you cannot drive.

How does Hartford $100 deduction reduction work?

If you enroll in the Hartford Disappearing Deductible Program, you’ll save $50 in premiums for every year you are accident-free until you have no deductible at all. To qualify, you must have a clean driving record for three consecutive years.

Does AARP® auto insurance have accident forgiveness?

Yes, The Hartford will waive any increase in premiums associated with your first accident as long as you have a clean driving record over the past 5 years.

What can AARP® members save on their auto insurance?

Only AARP members get discounts on their auto insurance with The Hartford, and the rate gets locked in for a year. There are many discounts you may be qualified for, including a bundling discount which can earn you up to 25% off your premiums. Safety equipment and features like airbags and anti-theft devices will help you save some more. If you have a hybrid or electric car you will get yet another discount. The Harford’s Advantage plus program offers accident forgiveness, which will save you from a rate hike if you’re in an accident after five years of being accident-free. RecoverCare Assistance could save you thousands of dollars if you are hurt badly in an accident.

What does Hartford home insurance coverage include?

Home insurance from the Hartford includes coverage for the dwelling (the house) and other structures (garage, shed), personal property (your possessions), loss of use coverage (if you cannot live in the home while it’s being repaired), personal liability coverage (a lawsuit is filed against you) and medical payments coverage (if someone is injured on your property).

Is AARP® homeowners insurance good?

AARP homeowners insurance through The Hartford offers competitive, customizable policies.

How does Hartford Full Replacement Cost Coverage work?

Full replacement cost coverage will pay the full cost of rebuilding your home if it’s a total loss, up to 125% of your coverage limits. In some areas, it may be up to 150% coverage.

Does AARP® have good renters insurance?

AARP renters insurance through The Hartford offers below-average premiums for great coverage.

What does Grinnell Mutual business insurance will cover?

Grinnell Mutual business insurance covers commercial auto, cyber liability, employment practices liability, equipment breakdown, commercial umbrella, workers’ compensation, and a whole host of coverages specific to different industries that include auto services, barbershops, convenience stores, florists, churches, storage warehouses, multi-family residential homes, restaurants, veterinarians and more.

How to save on AARP® home insurance:

You save 5% on car insurance and 20% on home insurance if you bundle your policies. There are other ways to save on home insurance too. First, make sure you’re buying coverage for your dwelling and other structures but not the land. If you file a claim for a loss, you’ll only be paid out what it will cost to rebuild your home, not the value of the house and land.

What is Hartford’s small business insurance?

Hartford’s small business insurance includes workers’ compensation, business income, property and liability insurance and more.

Hartford Insurance Products

Auto InsuranceClassic Car Insurance
Home InsuranceCondo Insurance
Renters InsuranceUmbrella Insurance
Flood InsuranceBusiness Insurance
Business Owners PolicyGeneral Liability Insurance
Workers’ Compensation InsuranceCommercial Auto Insurance
Commercial Flood InsuranceCommercial Umbrella Insurance
Data Breach InsuranceHome-based Business Insurance
Management Liability InsuranceEmployment Practices Liability Insurance
Marine InsuranceMultinational Insurance
Risk EngineeringProfessional Liability Insurance
Surety & Fidelity Bonds

Hartford Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments (Med Pay)

This coverage pays for hospital bills and medical expenses for you and your passengers, regardless of who’s at fault. This coverage is required in some states.

Towing and Roadside Service

If your car needs service on the road, this protection covers the cost up to limits.

No-fault Coverage

Some states require no-fault insurance, sometimes called personal injury protection (PIP). No matter who is at fault, this covers medical, work loss and other expenses resulting from auto accident injuries.

Full Glass Coverage.

This coverage pays for glass loss with no deductible.

Rental Car Expense

Transportation expense coverage helps pay for car rental in the event of a covered collision or comprehensive loss while your car is being repaired.

Personal Umbrella Insurance

This coverage extends your liability coverage limits

Accident Forgiveness

The Hartford will waive any increase in premium associated with your first accident as long as you have a clean driving record over the past 5 years.

RecoverCare Assistance

If you’re in an accident and cannot perform your usual functions, you may be covered for some costs while you are recovering.

New Car Replacement

If you total your car in the first 15 months or 15,000 miles (whichever comes first), The Hartford will replace it with a new vehicle of the same make, model, and equipment and with no deduction for depreciation.

Lifetime Car Repair Assurance

The Hartford helps find a trusted repair service so you know you’ll be treated fairly.

Advantage Plus Program

This coverage includes accident forgiveness and legal representation for accidents.

Disappearing Deductible Program

You save $50 on premiums for each year you do not have an accident. To qualify you must have a clean driving record for the past 3 years.

Discounts

Anti-theft Device Discount Airbags Discount
Vehicle Fuel Type (Hybrid or Electric Vehicles)Driver Training Discount
Good Student DiscountDefensive Driver Course
Bundle Insurance SavingsPaid-in-Full Discount

Hartford Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Hartford. On average, Hartford charges approximately $201.47 per month. The cheapest state average is California at $201.46 per month followed by at per month. The most expensive state average is California at $201.46 per month.

State Avg monthly rate
CA $201.46
State Avg monthly rate

Hartford Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Hartford charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $190.38
2 Vehicles $242.61

Hartford Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Hartford charges $188.66 per month for drivers who own their home and $207.03 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $188.66
Rent $207.03

Hartford Contact Info

Address690 Asylum Avenue, Hartford, CT, 06155
Phone1-800-423-6789
Websitehttps://www.thehartford.com/
Facebookhttps://www.facebook.com/TheHartford/
Youtubehttps://www.youtube.com/thehartford
Twitterhttps://twitter.com/TheHartford
Linkedin https://www.linkedin.com/company/the-hartford/

Methodology

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.


How Does Hartford Compare to Other Car Insurance Companies?

Hartford vs Ameriprise Hartford vs Arbella
Hartford vs Foremost Hartford vs Kemper
Hartford vs MetLife Hartford vs National General
Hartford vs Plymouth Rock Hartford vs Utica National

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