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Hartford - Auto

Hartford - Auto

 3.9/5 (152 ratings)
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Hartford - Auto

About Hartford - Auto

The Hartford is an insurance company that provides coverage policies for homeowners. As the only insurance provider endorsed by AARP, The Hartford offers discounted plans for AARP members. The company also focuses on community impact with its Human Achievement Program, which encourages volunteerism and education.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars


  • Available nationwide
  • Well-established company
  • Specialized coverage for seniors


  • Expensive for young drivers
  • Some benefits for AARP members only

Bottom Line

The Hartford is an insurance company that specializes in covering drivers ages 50 and above. It partners with AARP to provide members benefits and discounts. It’s available across the U.S. and offers a variety of policy options.

What is The Hartford auto insurance?

The Hartford is an insurance company that’s available nationwide and specializes in covering senior citizens. The Hartford partners with AARP to offer its members affordable insurance with exclusive discounts. While the company has policies for a wide variety of clients through independent agents, it’s most ideal for AARP members; its car insurance might not be as budget-friendly for young drivers and non-AARP members.

How does The Hartford auto insurance work?

The Hartford offers standard auto insurance policies, as well as some add-on coverages. Standard auto protection options from The Hartford include:

  • Bodily injury liability: Helps with the other party’s injury expenses due to an accident for which you’re at fault.
  • Property damage liability: Pays for damages to someone’s property by an accident you caused.
  • Personal injury protection: Covers losses due to injury from a car accident, no matter who’s at fault.
  • Collision: Covers the cost of your vehicle repairs after an accident.
  • Comprehensive: Pays for damages to your vehicle caused by factors other than an accident (vandalism, flood, fire, theft, animal collision and more).
  • Uninsured/underinsured motorists: Protects you and your passengers if you’re in an accident with a person who has insufficient coverage or no insurance at all.

Supplemental coverage options from The Hartford include:

  • Full glass coverage: Helps with the cost of window repairs.
  • Car towing coverage: Pays for towing and labor.
  • Rental car expense: Covers vehicle rental costs if your car is in the shop due to an accident.
  • Personal umbrella insurance: Pays for claim amounts exceeding your auto policy’s liability coverage.

The Advantage option for AARP members also includes:

  • 12-month rate protection
  • RecoverCare assistance after an accident
  • New car replacement coverage
  • Lifetime car repair assurance
  • 24/7 claims hotline

The Advantage Plus plan provides even more benefits:

  • First accident forgiveness
  • Disappearing collision deductible
  • Deductible waiver for a not-at-fault accident
  • $100 collision deductible reduction
  • Emergency expense coverage

Not all policy options are available in every state.

The Hartford auto insurance quotes and costs

Car insurance costs depend on your age, gender, driving history, location and more. Senior drivers tend to get lower rates than average because they’re more experienced drivers. The Hartford also offers auto coverage discounts for:

  • Anti-theft devices
  • Air bags
  • Hybrid or electric vehicles
  • Driver training courses
  • Good students
  • Defensive driver courses
  • Bundling policies
  • Paying in full

The Hartford auto insurance FAQ

Is The Hartford car insurance only for AARP members?
The Hartford’s auto coverage is an option for all drivers, but it provides more discounts and benefits for AARP members.
Does The Hartford have accident forgiveness?
Yes. The Hartford offers accident forgiveness as part of its Advantage Plus package.
Where is The Hartford car insurance available?
Car insurance from The Hartford is available nationwide, though policies and offerings vary by state.
Does The Hartford have full coverage car insurance plans?
Yes, The Hartford does offer full coverage car insurance — keep in mind that each state has its own coverage requirements and minimums.

Is The Hartford a good insurance company?

The Hartford is a well-established business with more than 200 years of experience, and its partnership with AARP helps it cater to drivers 50 and older. If you meet The Hartford’s target demographic and have an AARP membership, it might be a great auto coverage option for you — however, if you don’t have an AARP membership or are a younger driver, you likely can find a better deal elsewhere.

Hartford - Auto Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: July 8, 2021

On June 10th 9:30 am I was reared ended by Hartford insured on San Bruno Ave and 280 (Carolyn ** DL # **) Residing at **. Police report filed. So, I drove my car from San Bruno to All State to file a claim and I was turn down by my agent telling me to file a claim against Hartford. From there I called the Doctor to tell him that I have been hurt and my hand is really hurting me bad. He called his brother who worked for the towing truck, came, picked towed my car to the S&T International Auto body in San Francisco. Which I was not aware there would be a storage high storage fee. So, my car was inspected and in 26 day I was told the car cannot be fixed.

This where the problem starts now. I got an email from Hartford and saying that they can’t help me, "Cause our policy has limit. You need to file a claim against your insurance to ours." So, I did it same day. Friday, they did an inspection on my car, came out with the value of the car and till same day I got call a from the body shop saying who is responsible for this storage fee. I had no idea what was this storage fee they talking about so far, I am paying rental from my pocket because I don’t have rental coverage in my policy.

No one is helping me and my car is stuck in this body shop cause the leasing company where I lease my car need to get paid also. Causing I am leasing this car. I am without a car and I am losing money day by day which is not my fault this accident happened. My life has been turned upside down and my stress level and anxiety level has gone so high.. I am sick. My hand hurts from the accident. My neck problem have gone so worst. I can’t sleep at night. Worry about all this and crying. None of this is my fault and I am suffering day by day. My next step would be if I can call California Insurance Dept and talk to them about this. My life depends on my car cause this is how I make money and pay my bills.

2 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: May 18, 2021

    After being a auto insurance customer for 2 years. No claims, No changes, Paid premium in full, Under 4K miles per year driving.... Hartford then raised my policy 15%. or $118 per yr. The cost of living for 2021 is only 1.3 %.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 13, 2021

    Multiple phone calls, multiple requests, multiple re-requests for documentation after documentation to try to cancel The Hartford Car insurance through AARP. Once you sign up good look cancelling - they will never let you go. My Dad died on Jan 8 - His car was sold 12/2/2020. I am trying to take care of affairs and cancel car insurance - but they just keep sending me paperwork - after I already submitted paperwork. Complete runaround and complete lack of customer services after policyholder has died.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 30, 2021

    Got the "get a quote and get a free duffel bag". Went online, got the quote. Did not include collision, and The Hartford failed to tell me that. So cancelled out. But no way to get duffel bag. If I can remember, NEVER AGAIN!

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 23, 2021

    I have been receiving marketing flyers, cards email etc.. for lower Auto insurance rate for AARP member from Hartford. So, I decided to get the quote from them. I was quoted $2187 annual rate by HARTFORD compare to my existing auto insurance from State Farm of $1044 annually with same coverage. If it was few Dollar difference is understandable but more than 50% higher? And they claim to offer discounted rates to Seniors and AARP members. Total rip off and deceiving the senior community via false marketing.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 13, 2021

    After 30 years with AARP Hartford Auto. We had to seek a more affordable company. Being 85 and a former Military Officer we switched to USAA at 1/3 of the former premium. We informed Hartford before policy due date and one month later they required written notice, which we did. Now they have send repeated bills and threatened collection! We now have filed a complaint with the Oregon Insurance Commission to stop collection harassment and settle the issue!

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 4, 2020

    I called Hartford Auto Insurance in August of 2020 to file a claim to replace my windshield. I have had insurance with Hartford for almost 2 years. I have full coverage and they told me I have a $500 deductible. They said they could repair it for free but if something went wrong I would have to replace the windshield and pay $500.00. I have lived in Charleston SC for 12 years and have had my windshield replaced by other insurance companies for free. So when Hartford told me that I thought maybe the law had changed. I TRUSTED that Hartford knew what state I lived in and knew the law since they are in the business of insurance across the country!

    I scheduled Safelite to come to my house to repair the windshield. The technician explained due to the many chips in my windshield and being close together that there was a big chance that the windshield might crack during repair. He advised me to replace the windshield, I said I did not want to pay the $500 deductible. The tech said if you have full coverage there should not be a deductible in the state of Carolina. I told the tech I talked to two people from Hartford at two different times and they both told me I had a $500 deductible. The technician said he had a client yesterday who was told the same thing by Hartford, Safelite called Hartford and Harford waived that person's deductible.

    The tech said he could have their office call Hartford to confirm my full coverage policy. I told them to call. Safelite called me and had Hartford on the phone with them. Hartford said they will waive the deductible for me. I asked Hartford, "Why did you tell me I had a deductible when I called in???" I said, "Do you not see my address on your screen and know what state I live in?? and that with full coverage in SC the windshield is free replacement". Hartford said "No I am in Illinois and we cannot see that you are in SC, we only go by what we see on the screen and it shows you have a deductible". I said, "So unless we the policy holder or the company replacing the windshield TELLS YOU what state we are in and that our law is a free windshield with full coverage you have no idea of this." She said yes. I said, so I wonder how many people in SC that is not aware this law has paid Hartford $500 for a replacement windshield!!!!

    My trust went right out the door for this company. By not flagging their system to recognize SC law they just treat every state the same and see how many people they can steal from. I told the lady at Hartford I would be cancelling my policy with them because I would never be able to trust them again. As much technology there is you cannot tell me Hartford cannot flag their system for South Carolina policy holders. This is FRAUD!

    9 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Oct. 8, 2020

    After being on hold twice before up to an hour, not 15 minutes and counting with The most awful on hold repetitive ditty. Was told there are multiple complaints about the music. Their app doesn't work, and reps blame my phone. I have all the driving records on my phone, so it is the hook up. Galaxy Note 10. shouldn't be an issue. Threats to cancel the deduction.

    5 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 2, 2020

    Very professional staff. Top notch when my car was totaled last year. Kept me updated on what was happening. Had a rental car the very next day. Car was no bought to me so you didn’t have to worry how I was going to get the rental. All paperwork was done. Very efficient.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 27, 2020

    The Hartford isn't for everyone but for smart seniors, it's the only one. My policy was due for renewal, I shopped around making sure they were still my best option. I only appreciated them more! Their mascot's a buck but they're to the point. (Pun intended!) Their advertising leads with what they offer. No annoying, IRRELEVANT emu, gecko, or weird people in baker's aprons avoiding issues of what they're actually trying to sell.

    The Hartford has friendly, knowledgeable customer service reps eager to be helpful. They offer discounts for bundling & driver courses to keep skills sharp. Accident free vanishing deductibles & road service included. Enrolled in AARP, you'll receive monthly informational magazine. A long time business, they're a most respected insurer for reason. I drive affordably confident knowing that The Buck has my got my back!

    3 people found this review helpful
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    Hartford - Auto Company Information

    Company Name:
    The Hartford
    Year Founded:
    One Hartford Plaza
    Postal Code:
    United States