Hartford - Auto

Hartford - Auto Reviews

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Overall Rating3.5 out of 5
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About Hartford - Auto Reviews

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.

Pros & Cons


  • 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.

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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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Claims HandlingCoverageSales & MarketingPriceStaff

Reviewed May 30, 2023

Hartford prices, particularly through AARP, seem like a great deal upfront. The issue is they do not protect the customer's interest and only look for ways to increase rates. They are a bait and switch company. Their claim agents are pitiful at best, the coverages are a joke, their claim agaents lack knowledge. Pay a little more for better coverage from start because their service is worthless.

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Customer ServicePrice

Reviewed July 6, 2022

Looked at a quote online and found they do what every other company does to save you money. They quote WITHOUT collision!! So, their rates are not any better. So I just closed the page. When asked why I was leaving the page I told them your practices are deceitful and not going to save me money. Since then I have been called on the phone, sent a letter saying they can use any and all information about me they have gathered WITHOUT my permission. When I called to complain they said when I applied that gave them permission. I DIDN'T apply for anything!! When asked about credit reports they said they got my SS number from my name and date of birth!!! What kind of database do they have and how is this legal?? AARP should definitely NOT be sponsoring this company that are doing the opposite of what AARP are claiming to do to protect us from this crap

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    Customer ServiceCoverage

    Reviewed July 3, 2022

    My truck suffered hail damage during a storm. I took it to a Hartford contracted body shop and received an estimate for about $4400.00 but wanted to get other estimates so I didn't pursue the repair. A couple weeks later I received an email from Hartford indicating they issued a check for $1600.00 to the first body shop. There had been NO communications from either the body shop nor Hartford before they issued this check and after they issued the check, all of my many phone calls and emails were left unreturned and unanswered. My concern was if Hartford was only willing to pay $1600.00 of a $4400.00 repair I would be left with the remaining balance but no one would speak to me about my concern. Hartford then gave me an opportunity to provide a review of their service.

    I promptly gave them a scathing review and they quickly contacted me. The adjuster assured me that they would cover all of the repairs so I found a body shop that I believed wanted the job and were willing to work with Hartford. I had to wait about 3 months before the shop had an opening but when the input date arrived, 4-May-22, I took the truck in for the repair. The shop did their estimate (about $4400.00) and submitted the quote to Hartford Claims but it seemed any documentation sent to Hartford went into some kind of black hole. After several phone calls to Hartford from the shop and several from me, Hartford finally authorized the repair. It took over 2 full weeks just to authorize the repair and about 4 days to perform the repair. I received the truck 27-May-22.

    Rental Car: I only asked for a rental car when I absolutely needed one which they did provide in all cases but one. In the one case, I rented a car at the airport for 4 days and submitted the invoice for reimbursement as instructed. No one ever confirmed receipt of my submission nor have they ever responded to my queries as to its status. I have yet to be reimbursed and I seriously doubt I ever will.

    As a result of all this, I decided to look for another insurance company. During this search, the new company needed to confirm continuous insurance for the past 3 years. The review indicated that Hartford had terminated my policy 3 months previous and never notified us. They did however, continue to withdraw monthly premiums from my bank account. I don't know why it appears they canceled us but I no longer want to be associated with them. I have signed on with a new insurance company and I guess I'll just forget about the $160.00 rental reimbursement.

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    Reviewed March 31, 2022

    2 vehicles, multi-car discount. Paid in advance for the year. (August through August) Totaled one vehicle. They are supposed to prorate refund for unused premiums. February (accident) through August. The so-called refund received $39.00. Really? If you prepay, you will not get your prorated refund. They will make you pay for the remaining vehicle as if there was no refund (backdated) rather than henceforth from the date of the incident. In addition, they immediately sent a bill for an additional $121.00/month for the remaining vehicle. So, ultimately that one vehicle cost $3335.00 for the year. This is why people HATE insurance companies. I am disappointed AARP would support the Hartford; I will certainly let everyone I know what happened and to go elsewhere.

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    Customer ServiceClaims HandlingSales & MarketingStaff

    Reviewed Feb. 10, 2022

    When I filed a claim with Hartford Auto Insurance. They would never return my phone calls. The claims adjuster lied about everything. Had to take my truck back to the body shop 3 times for more pictures. They were very rude and condescending. Stay away from this company. Their TV ads are misleading.

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    Reviewed Dec. 22, 2021

    This is the worst experience in 30+ years in business. My roof was damaged by wind with shingles laying in my parking lot. Two years and $5000 later after hiring 2 experts they finally sent a check today. RUN from this company!! Dr. M.

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    Customer ServiceClaims HandlingCoveragePrice

    Reviewed Nov. 19, 2021

    Their business model is based upon for every customer lost, they get 5 new ones... so they have no desire to retain a customer. They do not advise a customer of any cost saving options. They raise rates without any claim history. I switched and cut my insurance bill in half.. same coverage. Inquiry as why they were doubling my premium for coming year they had no answer.. simply rates were going up...with no explanation.. I went elsewhere.. told them I would do that and they said Ok with us. I had been a customer for 8 years, every year premiums increased.. no matter auto older and book value decreased, reducing their exposure if total loss. They seek new customers... practice a "turn over" by letting existing customers leave.

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    Reviewed Nov. 8, 2021

    My SUV was parked at a restaurant. A driverless pickup with a camper was left running in gear. Can down a road, across a parking lot and pushed my SUV over a curb and into the restaurant. The pickup was covered by Hartford. My SUV had damage to the bumpers and some other minor body damage. The big item was the transmission was broke since it was in park and pushed up over a curb. Car was not driveable due to transmission. Hartford only has paid for the bumper damage and the tow to get the SUV to my house. They have refused to cover any transmission damage. What they think I had my car towed to the restaurant!!!! No wonder they claim their rates are so low if they will not cover damage to cars. I tell everyone to run from this company as they are totally a bad business.

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    Customer Service

    Reviewed Nov. 4, 2021

    I am A senior citizen and I have the Hartford insurance through AARP. Even though I have never had an accident or ticket I am still classified with a high insurance rate. Just because we are senior citizens and some should not be driving I agree but why should all senior citizens be classified the same. I believe that they should take it on a one on one basis.

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    Customer ServiceClaims HandlingCoverageStaff

    Reviewed 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.

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    Hartford - Auto Company Information

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