Car Insurance Reviews for The Hartford

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With the AARP® Auto Insurance Program from The Hartford,1 we’re here to support you and your loved ones on the road. Since 1984, The Hartford has offered affordable auto insurance rates and insurance coverages to nearly 40 million AARP members. With a national average 4.8-star rating from 36,000+ reviews from real customers of The Hartford, we're constantly one of the top-ranked car insurance companies for AARP members.
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AARP Auto Insurance Program From The Hartford: Car Insurance Reviews Snapshot

If you’re shopping around to compare car insurance quotes with different auto insurance companies, reading reviews can help you decide. Customers of The Hartford consistently rate the AARP Auto Insurance Program from The Hartford highly, saying they are treated fairly and with compassion. The Hartford offers coverages that customers need, and we’re proud they consider us easy to work with.
 

About Our Customer Reviews

The Hartford publishes reviews so you can read actual experiences that our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.
 

Guidelines for Reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.
 
The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.
 
In general, reviews are published if they are relevant to the experience and not defamatory.
 
While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:
 
  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
Organization The Hartford’s Rating Description
A.M. Best A+ Superior financial ratings regarding The Hartford’s creditworthiness.
Moody's A1 Prime long-term ratings based on various quantitative and qualitative factors.
S&P A+ Strong ratings based on The Hartford’s capacity to meet its financial commitments.
 

What Makes The Hartford One of the Best Car Insurance Companies for AARP Members?

Both customers of The Hartford and third-party review sites have described The Hartford as being one of the best auto insurance companies for AARP members. We take pride in our:

Outstanding Customer Service

Whether you are comparing auto insurance coverages and deciding which option is best for you, ready to purchase a new policy or needing to make an update to an existing account, The Hartford’s customer service representatives are here to help. It’s part of the reason why we consistently get high ratings in customer satisfaction.

Fast and Easy Claims Process

No matter your driving habits, accidents can happen at any time. If you need to file a claim, you deserve an award-winning auto insurance company that can respond immediately. The Hartford makes it a priority to get your life back on track as quickly as possible. We’re here to make your car insurance claims experience easy, offering a 24/7 claims hotline at 877-805-9918. Or, you can file a car insurance claim online.

Exclusive Benefits and Savings

The Hartford knows that saving your hard-earned money is important. That’s why we offer several discounts and benefits to help AARP members save through the AARP Auto Insurance Program from The Hartford.
 
While car insurance rates are based on different factors, you could pay as little as $78*** per month with the AARP Auto Insurance Program from The Hartford. In fact, drivers who switch can save an average of $577 on their auto insurance compared to their prior insurance company.
Average Monthly Workers' Compensation Cost for The Hartford's Customers:**
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But if you’re looking to find the best car insurance company, don’t just take our word for it. Juanita, a customer of The Hartford, recently had this to say about her claims experience:
“After I had my accident, I called my insurance (The Hartford/AARP). I explained all the details of the accident. I was called back the next day by the person in charge of my claim. He told me where I could get my car fixed, or I could find my own repair shop. I chose The Hartford affiliated shop. They give a discount & the work was excellent. I was kept in the loop till I had my car back.”
 
– Juanita, 04/19/2024
auto insurance reviews

Types of Car Insurance Coverage

With so many types of car insurance coverage to choose from, it can be difficult to know exactly what you need.

The Hartford’s dedicated representatives can help you get the right types of coverage for your car. We’ll help you understand your state’s minimum coverage limits and the different auto insurance coverage types available to you, such as:
a couple unloading their vehicle

The Hartford Auto Insurance Coverage Options

Every car insurance company is different. In addition to The Hartford’s exceptional auto insurance reviews, we believe our additional coverage options also set us apart. With The Hartford, you can feel confident that you’re protected because The AARP Auto Insurance Program offers auto insurance coverages, like:
  • RecoverCare§ coverage to help pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
  • Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
  • Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.‡
  • New car replacement coverage if you total your new car. We’ll even pay the cost to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
  • Rental Car Reimbursement coverage, also called transportation expense coverage, to help pay for a rental car while your vehicle is in the shop after an accident.
  • Accident Forgiveness excuses your first accident if you need to file a claim as long as all drivers on your car insurance policy have a clean driving record and are accident-free for five straight years.‡

Get a Car Insurance Quote Today

The Hartford offers many ways for you to save with discounts and benefits exclusive for AARP members, including training discounts for young drivers in your home, savings for paying your insurance premium in full and more. In fact, you can save over $800 when you bundle your car and home policies through the AARP Auto and Home Insurance Program from The Hartford.** To get a free car insurance quote and see how many savings you’re eligible for, call The Hartford at or get a quote online.
 
 
Last Updated: January 27, 2025
 
2 Financial ratings as of December 31, 2019.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
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Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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