The Hartford auto insurance review 2026: 4.3 out of 5 stars

Core Insights - The Hartford is recognized for offering low-cost auto insurance, particularly beneficial for AARP members, with additional perks such as accident forgiveness and new car replacement [1][20] - The company has a mixed claims record, and non-AARP policies require purchasing through an agent rather than online [2][20] Pricing and Costs - The average monthly cost for full coverage with The Hartford is $153, which is lower than the industry average of $190 [12] - For basic coverage, the average monthly premium is $90, significantly below the national average of $113 [13] Coverage Options - The Hartford provides a variety of coverage types, including liability, collision, comprehensive, and unique benefits like RecoverCare [11][8] - The company offers 12 different types of coverage and 9 discounts, including accident forgiveness and diminishing deductibles [5][6] Customer Satisfaction - The Hartford scored above average in customer satisfaction in two out of eleven regions according to J.D. Power [7] - Despite a higher number of complaints than average, J.D. Power's claims satisfaction survey indicates that many customers report a smooth claims process [19][20] Discounts and Savings - The Hartford offers multiple discounts, including a Bundle and Save discount that can save an average of $813 when combining auto with home insurance [16] - Discounts are also available for safe driving habits through the TrueLane program, potentially offering up to 40% savings [14] Claims Process - The claims process is straightforward, allowing claims to be filed online or over the phone, with payments typically processed within 48 hours after approval [15][18]