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.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
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At a glance
3.9
Rating: 3.9 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.9 stars out of 5
3.9
Cost & ratings
Rating: 3.67 stars out of 5
3.7
Coverage
Rating: 4.5 stars out of 5
4.5
Support
Rating: 3.57 stars out of 5
3.6
Home
Rating: 3.9 stars out of 5
3.9
Cost & ratings
Rating: 3.4 stars out of 5
3.4
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4.25 stars out of 5
4.3
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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 for some regions.
Insurance policies with The Hartford are available to AARP members aged 50 or older, and for non-members through independent agents.
The Hartford home insurance has a NAIC complaint index well below the industry average.
Auto
Avg. annual premium for full coverage
$3,566
Avg. annual premium for min coverage
$1,139
Home
Avg. annual premium for $300k dwelling coverage
$2,037
New
What’s new with The Hartford?
At the beginning of 2024, The Hartford, along with several other providers, decided to stop writing new home insurance policies in California. Existing homeowner’s policies will still be eligible for renewal in the state.
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 available to members of the American Association of Retired People (AARP), and is also available to non-AARP members through The Hartford’s network of independent insurance agents. To become a member of AARP, you must be 50 or older and apply.
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.
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 reliable customer service may be interested in requesting a quote from The Hartford due to its decently high scores in some regions covered in the 2024 J.D. Power U.S. Auto Insurance Study. While not ranked in every region, the insurer placed well above average in overall customer satisfaction in the Southwest and Florida, but slightly below average in the Mid-Atlantic and Northwest. Even though The Hartford may have higher than average premiums, The Hartford earned a respectable auto Bankrate Score, thanks in part to its regionally high customer satisfaction scores.
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.
Pros
High overall customer satisfaction scores from J.D. Power in some regions
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
Cons
Increased NAIC complaint index score in 2023
Accident forgiveness is not available for purchase and can only be earned after five years, with state limitations
Average full coverage rates with The Hartford are slightly higher than the national average
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 April 2025 is $2,685 per year. For minimum coverage, the average annual rate is $800 per year. Average rates for The Hartford car insurance are $3,566 and $1,139 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.
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.
*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.
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.
To evaluate insurance companies’ service, Bankrate’s insurance editorial team analyzes a variety of sources, including 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 Hartford auto claims satisfaction
The Hartford scored slightly above average in the 2024 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.
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.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.77 to 1.18.
End of interactive chart.
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 always specify the exact savings amounts for 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 up to an 8 percent discount.
Billing discounts: Paying your premium in full instead of monthly payments and paying your bill on time are two easy ways to earn 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.
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.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with The Hartford
Your information is kept secure5 digit Zip code is required
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.
The Hartford home insurance review
The Hartford received a 626/1,000 from the 2024 J.D. Power Home Insurance Study, which falls short of the 640/1,000 average for overall satisfaction. However, The Hartford still ranks above other prominent providers, such as AAA, Farmers and Travelers. Homeowners insurance from The Hartford 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 decent 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.
Pros
Robust coverage options
Low NAIC complaint index may indicate that homeowners are generally happy with the service the company provides
Available discounts may help lower premium
Cons
Customer service not available 24/7
No average rates available
Not available in all states
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 April 2025 stands at $2,267 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
$1,352
National average premium
$1,370
$300K dwelling
The Hartford average premium
$2,037
National average premium
$2,267
$350K dwelling
The Hartford average premium
$2,231
National average premium
$2,534
$450K dwelling
The Hartford average premium
$2,615
National average premium
$3,066
$750K dwelling
The Hartford average premium
$3,870
National average premium
$4,399
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.
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 also ranked just 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.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.53 to 0.77.
End of interactive chart.
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 12 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.
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.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with The Hartford
Your information is kept secure5 digit Zip code is required
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.
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads 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 to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. 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.
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:
Featured
The Hartford
Rating: 3.9 stars out of 5
3.9
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
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 reliable 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.”
“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 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.”
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 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:
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
You will need some basic information to file a claim with The Hartford. For instance, if you file an auto claim, the company will probably ask for your policy number, the basic information for the drivers involved and the accident details. When you’re ready, you can file a claim with The Hartford through one of the following options:
Calling 1-877-805-9918 for auto and homeowners claims
The Hartford has an excellent AM Best rating, which means the company has a strong track record for being able to fulfill claims.
The Hartford writes property and casualty insurance policies. Policyholders can purchase renters insurance, homeowners insurance, auto insurance, condo insurance, flood insurance and more. The company has been offering coverage since 1810.
Yes, The Hartford has been offering insurance products exclusively to AARP members since 1984. In order to be eligible for the AARP, you must be 50 years old. To sign up, create an application and submit your request. You’ll also need to sign up for a term and pay the associated membership fee.
The Hartford puts time into corporate sustainability efforts, as evidenced by its community involvement. From United Way to the National Museum of African American History and Culture, the company donates to a long list of nonprofits and charitable organizations.
In 2021, it announced a $1 million grant to the Northside Institutions Neighborhood Alliance (NINA). This grant aims to increase access to homeownership and reduce blight by repairing and restoring homes in the company’s hometown neighborhood of Asylum Hill.
Another one of The Hartford’s initiatives is the Junior Fire Marshal Program — since 1947, the company has educated more than 112 million children on fire safety through classroom sessions with first responders. Virtual lessons are also available.
Yes, The Hartford mobile app is available for both Apple and Android devices. However, The Hartford ranked dead last of the companies reviewed in the 2024 J.D. Power Insurance Digital Experience Study. According to customer reviews in both app stores, a new update may have done more harm than good regarding functionality.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 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 full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
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
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto 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 in 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.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 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 limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
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
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 a 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 in 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
The Hartford has 50 reviews
Dive into community reviews below and see what others think about The Hartford.
4.2
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
80% of consumers recommend this insurer
Score breakdown
5 stars
46%
4 stars
34%
3 stars
18%
2 stars
2%
1 star
0%
Score by category
Overall rating4.2 / 5
Original cost4.0 / 5
Coverage4.3 / 5
Customer Support4.2 / 5
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.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They had the most competitive rates, and the coverage was better than others.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Lowest price on insurance I have found.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Lower premium for same coverage over other insurance companies. I trust them and customer service has been great. I was with another insurance company for over 40 years but the premiums kept going up and up without any explanation.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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.
If I had to name one reason to stay with The Hartford, it would be their solid customer satisfaction ratings.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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 recommend The Hartford because their claims process is fast and easy. They handled my car damage claim smoothly and kept me updated along the way.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chose The Hartford because a family member recommended them. They’ve had a positive experience, and so far, I’ve been really satisfied with the service and the easy claims process.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chose The Hartford because they offer good prices and have always been helpful when I needed support. Compared to other insurers, their customer service is more responsive and efficient.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
A friend recommended Esurance, and after comparing prices, I realized my old insurer was overcharging me and Esurance offers very reasonable pricing.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The Hartford has been around for a long time and is financially strong, so I can count on it to pay claims when I need it.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I picked them for their good customer service reviews. I’ve had no issues, and when I needed help, they resolved it very quickly.
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.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
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Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
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.
Edited by
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