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The Hartford Insurance review 2024

Updated Oct 23, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.9
Rating: 3.9 stars out of 5
Bankrate Score
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Auto

Rating: 3.9 stars out of 5

3.9

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Cost & ratings

Rating: 3.7 stars out of 5

3.7

Coverage

Rating: 4.5 stars out of 5

4.5

Support

Rating: 3.7 stars out of 5

3.7

Home

Rating: 3.8 stars out of 5

3.8

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Cost & ratings

Rating: 3.3 stars out of 5

3.3

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 4.3 stars out of 5

4.3

About Bankrate Score

Bankrate's take

Policyholders who are AARP members and value customer service over cheap rates might find The Hartford suits their needs.

  • The Hartford ranks high in the J.D. Power U.S. Auto Insurance Study, placing first in the Northwest region
  • The Hartford has recently focused on expanding its digital capabilities, aiming to enhance ease of use for customers
  • Offers exclusive discounts for AARP members
  • The Hartford home insurance has a NAIC complaint index well below the industry average

New

What’s new with The Hartford?

In fall 2023, The Hartford began expanding its digital capabilities to improve the efficiency, accuracy and speed of its business.

The Hartford car insurance review

The Hartford could be an excellent choice for auto insurance, but it depends on your needs and if you qualify. The Hartford is only available to members of the American Association of Retired People (AARP). To become a member of AARP, you must be 50 or older and apply.

According to our extensive review of The Hartford car insurance, this company may not be the cheapest car insurance company for most drivers. However, drivers willing to pay a little extra for top-notch customer service may be interested in requesting a quote from The Hartford due to its high scores in the 2023 J.D. Power U.S. Auto Insurance Study. Although not ranked in every region, the company placed well above average in overall customer satisfaction in each of the regions its policyholders were surveyed in. Although The Hartford is not available for all drivers and may offer higher premiums on average, The Hartford earned a respectable 3.9 auto Bankrate Score, thanks in part to its high customer satisfaction scores.

The Hartford car insurance offers all the standard coverage you would expect. Additionally, it offers some stand-out coverage options. Two of these include new car replacement and RecoverCare, which could help pay for necessary services you may require after an accident, like house cleaning or dog walking.

Pros and cons of The Hartford car insurance

The Hartford may be one of the best car insurance companies for drivers who qualify. When shopping for new coverage, consider the pros and cons of The Hartford to help you determine how it matches your needs compared to other insurers.

Green circle with a checkmark inside

Pros

  • High overall customer satisfaction scores from J.D. Power
  • Coverage add-ons available
  • Repairs made from an approved repair shop due to a covered claim are guaranteed for as long as you loan or lease the vehicle
Red circle with an X inside

Cons

  • Accident forgiveness is not available for purchase and can only be earned after five years, with state limitations
  • Scored slightly below industry average for claims satisfaction with J.D. Power
  • Average full coverage rates are higher than or only slightly below the national average, depending on the driver’s age
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The Hartford car insurance cost

According to proprietary rate data we analyzed from Quadrant Information Services, the national average cost of car insurance for a full coverage policy in October 2024 is $2,388 per year. For minimum coverage, the average annual rate is $664 per year. Average rates for The Hartford car insurance are $2,694 and $738 per year, respectively. However, how much you pay for car insurance depends on several personal rating factors, so you may pay more or less than average.

How much is The Hartford car insurance?

Insurance rates can significantly fluctuate based on a variety of driver profiles, including age, driving history and the type of vehicle insured. Not all companies offer policies to drivers with DUI convictions, highlighting the importance of comparing quotes for personalized coverage options. Bankrate utilizes proprietary premium data from Quadrant Information Services to delve into these nuances and aid in your insurance analysis. The table below illustrates how diverse driving behaviors might influence your premium, providing a clearer view of potential costs across different scenarios.

Good driver, good credit
The Hartford full coverage premium
$2,694
National full coverage premium
$2,388
The Hartford full coverage premium
$3,071
National full coverage premium
$4,372
The Hartford full coverage premium
$4,095
National full coverage premium
$2,893
The Hartford full coverage premium
$5,530
National full coverage premium
$3,396
The Hartford full coverage premium
$9,128
National full coverage premium
$4,586
*All rates displayed are average annual rates.

The Hartford car insurance quotes by age

Another factor that can determine how much you pay for car insurance is your age. Typically, younger drivers pay more for car insurance due to their statistically higher risk of being involved in a car accident. For example, the Insurance Information Institute (Triple-I) found that almost 43 percent of all fatal car accidents in 2021 involved drivers aged 16 to 20. In the tables below, you’ll find the average rates for The Hartford car insurance for drivers that may be eligible for coverage based on age. The rates below are based on having a clean driving record.

The Hartford full coverage premium
$6,166
National full coverage premium
$5,080
The Hartford full coverage premium
$5,137
National full coverage premium
$4,376
The Hartford full coverage premium
$4,369
National full coverage premium
$4,818
The Hartford full coverage premium
$3,467
National full coverage premium
$2,929
The Hartford full coverage premium
$3,104
National full coverage premium
$2,523
The Hartford full coverage premium
$2,694
National full coverage premium
$2,388
The Hartford full coverage premium
$2,329
National full coverage premium
$2,135
The Hartford full coverage premium
$2,694
National full coverage premium
$2,388
The Hartford full coverage premium
$2,329
National full coverage premium
$2,135
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare The Hartford car insurance rates

Car insurance premiums can vary significantly from one insurer to another, influenced by factors such as coverage options, the insurer's risk assessment and the policyholder's personal details. The Hartford, known for its comprehensive coverage and specialized services, typically presents rates that are higher than the national average and exceed those of many other prominent insurers. This reflects The Hartford's focus on delivering value through extensive support and benefits, catering to a clientele that prioritizes quality and reliability in their auto insurance coverage.

$2,694
$738
$2,743
$874
$2,254
$694
$3,054
$919
$1,921
$565
$1,905
$688
$2,688
$886
$2,001
$545
$2,036
$750
$1,756
$455
CSAA
$3,828
$630
$1,905
$688
$2,688
$886
$2,001
$545
$2,036
$750
$1,756
$455
CSAA
$3,828
$630
*All rates displayed are average annual rates.

The Hartford customer satisfaction

To evaluate insurance companies’ service, Bankrate’s insurance editorial team analyzes J.D. Power scores for both customer and claims satisfaction. These scores range up to 1,000 points. The higher a company’s score, the more satisfied its customers are with its service. The company fares slightly better than average in J.D. Power’s Digital Experience study, but slightly below average when it comes to shopping for a policy online. Its AM Best rating is considered excellent, which means the company has a strong track record for meeting its claims obligations.

The Hartford auto claims satisfaction

The Hartford earned one point lower than average in the 2023 J.D. Power Auto Claims Satisfaction Study, which looks at the experiences of policyholders who have filed a claim, worked with a Hartford agent and completed the claims process. Its overall scores in J.D. Power’s U.S. Auto Insurance Study, which ranks customer satisfaction more broadly, are above average in all regions where the company was ranked, however. The best way to learn more about customer experience may be to talk with friends or family who are or have been policyholders.

The Hartford auto insurance customer complaints

Along with J.D. Power studies, we also review the number of complaints lodged with the National Association of Insurance Commissioners (NAIC). To quantify this data, the NAIC issues each company a complaint index score, with the baseline (or average) index score being 1.0. For example, if a company ranks above 1.0, it has more complaints than average (or the baseline). The opposite is also true — if a company falls below 1.0, it has fewer complaints than average.

The Hartford’s private passenger auto product scores 1.18 on the NAIC complaint index, the first time it has had more complaints than average since 2021.

The Hartford car insurance discounts

The Hartford car insurance may be more expensive on average, but the company offers a handful of potential discounts that may help you save. The company doesn’t specify the savings amounts for many of its discounts, but these opportunities include:

  • AARP discount: AARP members might save up to 10 percent on their policies. Must be 50 or older to be eligible for this discount.
  • Online quote discount: Completing an auto quote online could qualify you for a discount.
  • Vehicle fuel type discount: Owners of electric or hybrid vehicles may be eligible for savings.
  • Defensive driver course discount: Completing an approved course could provide a discount for three years.
  • TrueLane Program: Enrolling in The Hartford's telematics program could lead to an initial discount of up to 12 percent, with the possibility of an additional 25 percent off at renewal based on safe driving habits.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with The Hartford
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The Hartford home insurance review

The Hartford may be the company for you if you value customer service over all else. The Hartford received high marks for customer satisfaction and property claims satisfaction, according to J.D. Power. As with its auto policies, you must be an AARP member to qualify for a homeowners insurance policy with The Hartford. However, The Hartford homeowners insurance is not available in all states. Its reduced availability and lack of data surrounding average rates negatively impacted The Hartford’s home Bankrate Score, but it still earned a 3.8 out of 5, thanks partly to its customer satisfaction scores, discount availability and coverage options.

The Hartford could be one of the best homeowners insurance companies for shoppers looking for robust coverage. Alongside standard homeowners coverage types like dwelling, other structures and personal liability, The Hartford also offers an extensive list of coverage add-ons that allow for a personalized policy. For instance, The Hartford’s Green Rebuilding coverage will increase a policy’s limits up to 10 percent to account for the added expense of using environmentally-friendly materials to rebuild or repair a home. Another option is the company’s New for Old protection, which may offset depreciation by replacing your personal property with brand-new belongings when required due to a covered loss.

Pros and cons of The Hartford homeowners insurance

It can be easy to lose track of the options that various companies provide when you’re comparing homeowners quotes. If this is the case, you might find it helpful to compare a list of The Hartford’s pros and cons to help see if it stands out against other options for what you’re looking for.

Green circle with a checkmark inside

Pros

  • Robust coverage options
  • High J.D. Power scores may indicate that homeowners are happy with the service the company provides
  • Available discounts may help lower premium
Red circle with an X inside

Cons

  • Customer service not available 24/7
  • No average rates available
  • Not available in all states
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The Hartford home insurance cost

Rates provided by Quadrant Information Services reveal that the national average cost for a homeowners policy in the U.S. in October 2024 stands at $2,285 annually for $300,000 in dwelling coverage. The Hartford’s rates are detailed below across various coverage limits, offering a clear perspective on how they measure up to the national average. Homeowners seeking a more personalized quote can either visit The Hartford’s website for an online estimate or contact an agent directly.

$150K dwelling
The Hartford average premium
$1,376
National average premium
$1,394
$300K dwelling
The Hartford average premium
$2,075
National average premium
$2,285
$350K dwelling
The Hartford average premium
$2,282
National average premium
$2,550
$450K dwelling
The Hartford average premium
$2,682
National average premium
$3,091
$750K dwelling
The Hartford average premium
$3,939
National average premium
$4,525

Compare The Hartford homeowners insurance rates

Homeowners insurance rates can vary significantly from one company to another, reflecting differences in coverage options, risk assessments and regional factors. The Hartford's rates are detailed below alongside comparisons with nine other major insurers, providing a comprehensive view of how these rates stack up against the competition. This comparison can help homeowners make an informed decision by highlighting potential cost differences based on $300,000 of dwelling coverage.

$2,075
- $210
$1,955
- $330
$2,288
+ $3
$1,448
- $837
$2,411
+ $126
$1,699
- $586
$3,524
+ $1,239
$1,691
- $594
$2,935
+ $650
$1,871
- $414
$1,699
- $586
$3,524
+ $1,239
$1,691
- $594
$2,935
+ $650
$1,871
- $414

The Hartford customer satisfaction

When considering The Hartford for home insurance, it's useful to look at third-party ratings to gauge customer satisfaction. These ratings can provide insights into the insurer's claim handling, customer service and overall reliability. However, it's important to remember that individual experiences can vary, and what works well for one policyholder might not be the ideal fit for another. Ratings should be seen as one of several factors to consider, alongside personal needs and preferences, when evaluating an insurance provider.

The Hartford homeowners claims satisfaction

The Hartford scores better than average for home insurance claims satisfaction, according to the experiences of policyholders who submitted a property damage claim. Conversely to auto, however, the company ranked below average in the 2024 J.D. Power U.S. Property Claims Satisfaction Study with a score of 864 vs. an industry average of 869. Again, speaking to policyholders may be the best way to determine true customer experience with the insurer.

The Hartford home insurance customer complaints

In addition to analyzing J.D. Power studies, we consider the volume of complaints filed against each company with the National Association of Insurance Commissioners (NAIC). The NAIC assigns a complaint index score to each insurer to quantify this information, where a score of 1.0 represents the industry average. Thus, a score above 1.0 indicates a higher-than-average number of complaints, while a score below 1.0 suggests fewer complaints relative to the average.

Regarding NAIC complaints, in 2023 The Hartford’s homeowners insurance line had a complaint index of 0.53, well below the industry average.

The Hartford home insurance discounts

Contact a Hartford agent to see what discounts you’re eligible for. If you qualify for several homeowners discounts, you could see significant savings on your monthly home insurance premiums. Keep in mind that The Hartford doesn’t advertise all of its discount details, which is why it’s important to reach out to an insurance agent for more information. You may want to see if the following discounts are available:

  • Retiree credit: Homeowners who work 24 hours a week or less may save on their homeowners policies, as long as they live in an eligible state.
  • Fire protection discount: Installing sprinklers or a fire monitoring system could help lower your rate.
  • Bundling discount: Bundling your home and auto insurance could save you up to 5 percent on your auto policy and up to 20 percent on your home policy.
  • Claim-free discount: Eligible homeowners could earn a discount that increases the longer they remain claims-free with The Hartford.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with The Hartford

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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The Hartford life insurance

The Hartford doesn’t offer life insurance. However, the AARP Life Insurance Program provides whole life insurance written through New York Life.

Compare life insurance providers quickly and easily

See which provider is right for you.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare The Hartford with other insurers

Whether due to ineligibility or rates, you may not be sure if The Hartford is the right company for you. If this is the case, then it may be worth comparing coverage and requesting quotes with one more of the companies below:

Badge Icon Featured

The Hartford

The Hartford
Rating: 3.9 stars out of 5
3.9
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Cost & ratings

Rating: 3.5 stars out of 5
3.5

Coverage

Rating: 4.4 stars out of 5
4.4

Support

Rating: 4 stars out of 5
4.0

State Farm

State Farm
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.4 stars out of 5
4.4

Geico

Geico
Rating: 4.4 stars out of 5
4.4
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Cost & ratings

Rating: 4.7 stars out of 5
4.7

Coverage

Rating: 4 stars out of 5
4.0

Support

Rating: 4.4 stars out of 5
4.4
OVERVIEW
Info Icon
Shoppers who prioritize digital tools may find State Farm appealing. With its full-service mobile app and online portal, State Farm policyholders can manage their policies from the convenience of their homes. State Farm premiums may also be lower than average.
Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice.
STANDOUT FEATURES
Info Icon
Car Icon
Two safe driving programs
Dollar Coin Icon
Numerous discounts offered
Briefcase Icon
Local agents available
Online Reviews Icon
Robust digital tools
Car Icon
DriveEasy telematics program
Globe World Icon
Offers coverage in Mexico
AVG FULL COV. AUTO RATE
Info Icon
$2,743 $2,023
J.D. POWER AUTO SCORE
Info Icon
882/1000 874/1000
AVG HOME RATE
Info Icon
$1,955 No rates available
J.D. POWER HOME SCORE
Info Icon
643/1000 Not Scored
AM BEST RATING
Info Icon
A++(Superior) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth The Hartford insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is The Hartford Insurance a good insurance company?

The Hartford could be a good company, but it depends on what you’re looking for in an insurance provider. According to Bankrate’s review of the company, which includes research by our team of insurance experts and have collectively reviewed over 100 other carriers, The Hartford may not be a good fit if you are budget-conscious and need the lowest rates possible. Eligibility requirements may also be a concern. However, if you are an AARP member who finds value in excellent customer service, you may want to consider including The Hartford when requesting quotes.

What are real-life customers saying about The Hartford?

To offer a broader perspective on The Hartford's insurance services, we've gathered feedback from real customers who have shared their experiences online, particularly on platforms like Reddit and Trustpilot. While Reddit serves as a vibrant forum for open discussion and Trustpilot as a platform for customer reviews, both provide valuable insights into the experiences of The Hartford's policyholders. Through these platforms, customers offer candid reflections on their interactions with The Hartford, covering aspects such as customer service, claims handling and overall satisfaction, giving potential customers a glimpse into what they might expect.

Reddit

Reddit users offer mixed reviews about The Hartford, with one expressing frustration over a claim experience where they felt undervalued after an accident involving their daughter, criticizing the use of certain estimating software and comparables. Conversely, another user, presumably from the industry, praises The Hartford, suggesting that dealing with claims from their customers tends to be straightforward and hassle-free, highlighting a notable contrast in customer experiences.

Reddit user 1
Sep 1, 2023
My 18-year-old daughter was hit by a Hartford...
“My 18-year-old daughter was hit by a Hartford customer that ran a red light and we are getting screwed!!! Literally, junkyard comps and high repair estimates mean she gets nothing for a car that was in great shape! The Mitchell estimating software is a joke…errors galore and they refuse to accept responsible comps.”
Reddit user 2
Mar 10, 2021
Yeah got to be honest I wish all my customers...
“Yeah got to be honest I wish all my customers were with The Hartford. I'd sleep a lot easier at night. I don't think I've ever had to follow up on a claim with them.”

Trustpilot

Trustpilot reviews for The Hartford showcase experiences ranging from highly positive interactions, where claims handlers are lauded for their professionalism and compassion, to frustrations over significant rate increases following an accident, even with a long history of safe driving.

Trustpilot user 1
Mar 8, 2019
My claim through The Hartford has been...
“My claim through The Hartford has been handled with the utmost professionalism and compassion by the claims Dept. I can't say enough good things about them. My car was repaired within a week after handing it over to the repair shop.”
Trustpilot user 2
Jan 4, 2023
I've been with The Hartford for many years. I'm...
“I've been with The Hartford for many years. I'm a young and active 72 and have been driving for over 50 years. Never been at fault in a couple of accidents over those 50 years, until Nov. 2022. At a stop light, waiting to make a right on red, I bumped the car in front of me, who started making his right on red, but stopped. I had diverted my attention to the left for a split second, and I bumped him. My fault. Hartford took care of my car, and everything went smoothly .... until my next renewal 11 months later and no traffic issues. They raised my rate by 45 percent!”

The Hartford company details

If you need to contact The Hartford, here are a few ways to do so:

  • Auto customer service: 1-800-423-6789
  • Homeowners customer service: 1-800-423-0567
  • Auto quotes: 1-888-546-9099
  • Homeowners quotes: 1-877-422-2345
  • Website available at: www.thehartford.com
  • General correspondence:
    • P.O. Box 14219
      Lexington, KY 40512

State availability

The Hartford car insurance is available in all 50 states for AARP members. However, The Hartford home insurance is not available in AL, AK, DE, FL, ID, IA, MS, MT, NE, NV, NY, ND, RI, SD, WA, WA D.C. and WY.

The Hartford tools and benefits

In addition to the AARP perks that The Hartford’s customers are automatically eligible for (like discounts on groceries, car repairs, travel expenses and pet insurance), you may also find these benefits helpful:

  • Mobile app: The Hartford scored slightly above average for service in the 2023 J.D. Power U.S. Insurance Digital Experience Study, although the company fell below average for its digital shopping experience.
  • Umbrella insurance: Shoppers interested in extra financial protection could be interested in purchasing umbrella insurance from The Hartford.
  • Unique auto insurance: Drivers can get insurance policies that cover snowmobiles, RVs, golf carts, ATVs and classic cars.
  • AARP member services: Your membership gives you access to specialized credit cards, personal loans, financial planning services and more.
  • Flood insurance: The Hartford offers policies through the National Flood Insurance Program (NFIP) that protect homeowners from the financial consequences of water damage caused by flooding.
  • Renters and condo insurance: You don’t have to be a homeowner to protect your wallet against damage to your personal belongings. The Hartford writes renters insurance and condo insurance policies that cover liability and personal item protection.
  • Business insurance: The Hartford offers policies for large and small businesses.
  • The Hartford Insights: The Hartford Insights is a hub of articles that cover a breadth of subjects, including health and wellness, economic trends and safety. Here, readers can also learn more about insurance topics, The Hartford and other industry happenings.

Frequently asked questions about The Hartford

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes. 

Home

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2016 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

Additional profiles:

  • Coverage A, Dwelling: $150,000, $350,000, $450,000
  • Coverage B, Other Structures: $15,000, $35,000, $45,000
  • Coverage C, Personal Property: $75,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $70,000, $90,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

What policyholders are saying about The Hartford

CTA The Hartford has 25 reviews

The Hartford has 25 reviews

Dive into community reviews below and see what others think about The Hartford.

4.2 Star Icon
25 ratings
Info Icon
76% of consumers
recommend this insurer
Score breakdown
5 stars
44%
4 stars
32%
3 stars
20%
2 stars
4%
1 star
0%
Score by category
Overall rating 4.2 / 5
Original cost 3.8 / 5
Coverage 4.0 / 5
Customer Support 4.1 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about The Hartford.
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Offered through AARP
How does this insurer compare to insurance companies you’ve had in the past?
Unsure of how to rate, based on limited experience...
Insurance Type
Auto + Home
Score by category
Original cost 2 / 5
Customer Support 1 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Low priced Senior Discount
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They had a nice special going on. The other companies couldn't compete with it.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I will stay if they continue to have good rates, I will change if I find a company that has better offers.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 2 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This insurance company is very different than other companies because they sincerely care about their consumers. They want the customers to get the best overall prices including when you're bundling. I highly recommend this company and you will be satisfied
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I don't think I'm going to consent it any other insurance company because I'm definitely happy with this particular company. All the comparing insurance companies takes a toll on one after a while. The old saying goes if it's not broken don't try to fix it.
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They had better rates at the time?
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Better coverage for the money. Increasing the rates too fast?!
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Great rates and customer service
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Great rates. I would only change if the rates soared.
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cost
How does this insurer compare to insurance companies you’ve had in the past?
Very similar
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Went thru a broker lower prices
How does this insurer compare to insurance companies you’ve had in the past?
Lower premiums
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
A friend recommended them and I usually go with recommendations when I need a new service or product.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Number one reason for staying is service and dependability. I have had a number of claims in the past and there has never been a problem getting my money. Number one reason for leaving is the cost. If it keeps going up, I may look for another company.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Lower price more insurance coverage for the cost
How does this insurer compare to insurance companies you’ve had in the past?
Offer better pricing than others
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
Ashlyn Brooks
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor II, Insurance