Is AARP/The Hartford Auto Insurance Legit?

Is AARP/The Hartford Auto Insurance Legit?

Looking for the best car insurance deal?

Reviews are a great way to compare companies.

People who use the AARP Auto Insurance Program from The Hartford consistently give it high marks, saying they get the coverage they need and are treated well by the company.

An image illustration of Is AARP/ The Hartford Auto Insurance Legit
Is AARP/ The Hartford Auto Insurance Legit
Source: (Freepik)

Pros and Cons of The Hartford

Feature Pros Cons
Discounted insurance for AARP members Yes N/A
Wide range of discounts Yes Maybe
Usage-based program Yes Maybe
Offers accident forgiveness and new car replacement Yes Maybe
Not available in every state N/A Yes
Mixed customer reviews N/A Yes
High rates for young drivers on a member’s policy N/A Yes

The Hartford Car Insurance: Is it Right for You?

The Good:

  • Variety: The Hartford offers a good selection of coverage options, add-ons, and discounts.
  • Top Marks for Shopping: J.D. Power ranked Hartford high for ease of shopping for car insurance.
  • Strong Financials: Hartford has excellent financial strength ratings from AM Best, Moody’s, and Standard and Poor’s.
  • Regional Standout: J.D. Power ranked Hartford #1 for customer satisfaction in some regions (Northwest, Mid-Atlantic, Southwest).

The Not-So-Good:

  • Limited Availability: The Hartford only offers car insurance to AARP members.
  • Potentially Higher Rates: Our research suggests you might find cheaper options elsewhere.
  • Mixed Customer Service: While J.D. Power gave them high marks for the shopping experience, The Hartford has a higher-than-average complaint rate according to NAIC data.
  • Young Driver Rates: Rates for young drivers on an AARP member’s policy might be high.

Bottom Line:

The Hartford offers a variety of coverages and discounts, but it’s only for AARP members and might not always be the cheapest option.

We recommend getting quotes from multiple companies to find the right coverage and price for your needs.

The Hartford Insurance Comparison

Competitor The Hartford Rating Competitor Rating Bottom Line
Progressive 8.2 9 Progressive has overall better customer service and coverage options.
Allstate 8.2 8.8 Allstate is available to more drivers and has better coverage options.
Geico 8.2 9.1 Geico offers lower costs, particularly for young drivers.
State Farm 8.2 9.4 State Farm is more widely available and has stronger customer service.
USAA 8.2 9.2 USAA is the best and cheapest option for service members over 50.
Travelers 8.2 9.5 Travelers beat The Hartford in cost, coverage, availability, and customer service.
Nationwide 8.2 9.1 Nationwide is a cheaper option for car insurance than The Hartford for all age groups.

How The Hartford Determines Your Rates

Your car insurance price with The Hartford depends on several factors they consider (which might vary by state):

  • Location: Living in a crowded area or one with high theft/accident rates means potentially higher premiums.
  • Age: Young drivers (typically under 25) usually pay more.
  • Gender (in most states): Young men tend to have higher rates than young women.
  • Marital Status (in many states): Married drivers might get cheaper rates than single drivers.
  • Driving History: Tickets, DUIs, or recent accidents will lead to higher costs.
  • Credit History (in most states): A poor credit score can mean you pay more.
  • Car Details: Expensive cars or those more likely to be stolen will cost more to insure.

The Hartford Coverage Options

  • Required Coverage:
    • Bodily Injury Liability: Pays for injuries to others in an accident you cause.
    • Property Damage Liability: Covers damage to other people’s property in an accident you cause.
    • (In some states) Underinsured/Uninsured Motorist: Protects you if the driver at fault doesn’t have enough insurance or no insurance at all.
    • (In some states) Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
  • Optional Coverage:
    • Comprehensive: Protects your car from damage caused by theft, fire, weather, vandalism, and animals (not collision).
    • Collision: Covers damage to your car from collisions with other vehicles or objects.
    • Medical Payments Coverage (MedPay): Pays for medical bills for you and your passengers, regardless of fault (similar to PIP but broader availability).
  • Full Coverage: Typically includes both collision and comprehensive coverage for your car.

Other Insurance Options From The Hartford

The Hartford Beyond Car Insurance:

The Hartford offers a variety of insurance products in addition to car insurance, including:

  • Homeowners and Renters Insurance: Protects your home or belongings in case of fire, theft, or other covered events.
  • Business Insurance: Provides coverage for businesses of various sizes against financial losses.
  • Business Life Insurance: Offers financial protection for a business in case of a key person’s death.
  • RV Insurance: Provides specialized coverage for recreational vehicles.
  • Flood Insurance: May be offered directly by The Hartford or through a referral program.

Is AARP/The Hartford Auto Insurance Legit? Conclusion

AARP/The Hartford Auto Insurance is a legitimate company with a good reputation and strong financial ratings.

They offer a variety of coverages and discounts, particularly for AARP members.

However, their rates might not be the cheapest, especially for young drivers and customer satisfaction is mixed.

It’s recommended to compare quotes from multiple companies including The Hartford to find the right coverage and price for your needs.

An image illustration of AARP/The Hartford Auto Insurance
AARP/The Hartford Auto Insurance
Source: (Freepik)

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