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Our take
The Hartford did well in Insure.com’s 2023 Best Insurance Companies survey, getting very high marks from customers for its discounts.
However, in terms of survey responses, the company did not get enough to warrant ranking on our best auto insurers’ list.
While it wasn’t included in the overall company ranking, the editors felt The Hartford was a notable auto insurer worth reviewing.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
Pros and Cons
- High ranking for discounts
- Costs more
- Lower rating than competitors for customer satisfaction
How much The Hartford costs
The Hartford has high auto insurance rates compared to other companies in our survey with a national average cost of $1,362 annually or $195 a month.
| Insurance company | Monthly rate/premium |
|---|---|
| The Hartford | $195 |
| Travelers | $124 |
| Erie | $105 |
How The Hartford scores for customer satisfaction
Almost 75% of The Hartford’s customers said they were satisfied or highly satisfied with the company overall. However, this put the company in the bottom half of the survey results. Erie and Travelers topped this category.
Another metric to consider: J.D. Power doesn’t do national ratings for overall auto insurance satisfaction instead ranking by region. To get a broader picture of how The Hartford rated in that survey, we averaged the regional scores. The Hartford scored 837/1,000, better than many competitors. The average score is 834.
| Insurance company | Percent of customers satisfied with the company overall |
|---|---|
| The Hartford | 74% |
| Erie and Travelers | 96% |
| Safeco | 78% |
How The Hartford scores on ease of service
Of the customers surveyed, 84% said they were satisfied or highly satisfied with how easy it is to get the service they need from the company. The highest scores in this category went to USAA and Liberty Mutual – 92% of those companies’ customers give it top scores. But The Hartford did better than other companies.
| Insurance company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| The Hartford | 84% |
| Liberty Mutual | 92% |
| Safeco | 72% |
How The Hartford scores on policy offerings
When it comes to policy offerings, The Hartford scored in the bottom half of our survey, with 74% of customers saying they were satisfied.
| Insurance company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| The Hartford | 74% |
| Safeco | 89% |
| Auto-Owners | 73% |
Would current customers recommend The Hartford to others?
Of the customers surveyed, 89% would recommend The Hartford to others. Most companies’ results in this category were in the 80th and 90th percentile.
| Insurance company | Percent of customers who would recommend their auto insurance company to others |
|---|---|
| The Hartford | 89% |
| Safeco | 94% |
| Auto-Owners | 91% |
How trustworthy is The Hartford?
In all, 79% of customers say they trust the company. That was somewhere in the middle of our survey results, with few companies scoring especially high in this category. State Farm had the best score.
| Insurance company | Percent of customers who say they trust their auto insurance company |
|---|---|
| The Hartford | 79% |
| State Farm | 84% |
| Auto-Owners | 77% |
Do The Hartford customers plan to renew?
Almost 90% of customers plan to renew with The Hartford. All – 100% – of USAA and Erie customers plan to renew with their insurer.
| Insurance company | Percent of customers who plan to renew with their auto insurance company |
|---|---|
| The Hartford | 89% |
| Erie and USAA | 100% |
| Auto-Owners | 95% |
How The Hartford scores on discounts
For discounts, The Hartford’s customers rated it extremely high. In fact, if the company were ranking the final results, it would have scored the highest of any auto insurer in this category.
| Company | Rank for discounts |
|---|---|
| The Hartford | 1 (if ranked) |
| State Farm | 1 (among ranked companies) |
| Progressive | 2 (among ranked companies) |
The Hartford car insurance coverages
- Personal car insurance
- Commercial car insurance
- Classic car
- RV
- ATV
- Boat
- Golf cart
- Snowmobile
The Hartford additional insurance policies
- Homeowners
- Renters
- Condo
- Umbrella
- Flood
- Business
The Hartford coverage options
- Liability
- Personal injury protection/medical payments
- Uninsured/underinsured motorist
- Comprehensive
- Collision
- Full glass coverage
- Towing
- Gap insurance
- Rental reimbursement
- Rental car insurance
- Accident forgiveness
- Disappearing deductible
- New car replacement coverage
- RecoverCare: Assistance after an accident
- Lifetime car repair assurance
The Hartford car insurance discounts
- AARP car insurance discount
- Paid-in-full
- Get a quote online for a discount
States where Hartford offers coverage
Company background
The Hartford is one of America’s oldest continuously operated insurance companies, having been founded in 1810. Still headquartered in Hartford, Connecticut, The Hartford is a Fortune 500 company with nearly 20,000 employees.
The company sells multiple times of insurance and operates in every state and the District of Columbia. The Hartford has been the home and auto insurance writer for AARP for a quarter century.
