If you are shopping for coverage and keep running into The Hartford insurance in your results, there is a good reason. The company has been around since 1810, and it is the name behind AARP's auto and home policies. This review covers what The Hartford sells, how its ratings and pricing look as of July 2026, and who tends to be the best fit.
Key facts at a glance
| Detail | Information |
|---|---|
| Founded | 1810 |
| Headquarters | Hartford, Connecticut |
| Products | Auto, home, business, employee benefits |
| States | Available nationwide |
| AM Best | A+ (Superior) |
| Contact | AARP auto 800-423-6789; claims support 24/7 |
The numbers above are a starting point. Rates and terms vary by state, by product, and by your own history.
What The Hartford Insurance Offers
The Hartford is known for two things. The first is small business coverage. The second is the AARP program for older drivers and homeowners.
On the personal side, you can buy auto and home policies, usually through the AARP partnership. On the business side, the company sells business owner's policies, workers' compensation, professional liability, and employee benefits such as group disability and life. That mix makes it a one-stop option for many small companies.
The Hartford and AARP Auto and Home Coverage
For more than 40 years, The Hartford has been the insurer behind AARP's branded auto and home coverage. AARP members age 50 and up can request quotes through the program.
The AARP auto plan often includes features aimed at experienced drivers. Common ones are lifetime renewability in most states, a disappearing deductible for safe driving, new car replacement, and RecoverCare, which helps pay for household help after a covered injury. You do need an AARP membership, which carries its own annual dues, to use the program. Rates and terms vary.
Compare before you commit
Before you settle on any single insurer, it helps to see the field and how names like Erie Insurance, Auto-Owners Insurance, and Chubb Insurance stack up. Insurify compares quotes from more than 120 providers in one place and says drivers can save up to 50 percent. It is a fast way to check whether the AARP rate is really your best deal. Start a comparison with Insurify.
Insurify
Insurify
Finding the best insurance shouldn't feel overwhelming. Insurify compares personalized quotes from 120+ top-rated providers in minutes — so you can save up to 50% on auto, home, renters, and pet insurance without the hassle.
Standout feature
Compare 120+ insurance carriers instantly. Save up to 50% on premiums.
Fees
Free
Pros
Compares 120+ carriers in real-time. Save up to 50% on premiums. BBB A+ rated.
Cons
Some users report unwanted communications from third-party providers.
How Much Does The Hartford Insurance Cost?
The Hartford does not publish a single average price, and for good reason. Your cost depends on your age, location, vehicle or home, coverage limits, claims history, your credit-based insurance score where state law allows, and the discounts you qualify for.
The AARP program leans on a few savings paths. Bundling auto and home, insuring more than one vehicle, and a clean driving record can all lower the bill. Some drivers find the program competitive, while others find lower prices elsewhere. That is why a side-by-side quote matters more than any headline figure.
The Hartford Insurance Financial Strength
The Hartford holds an A+ (Superior) financial strength rating from AM Best. That grade measures an insurer's ability to pay claims, and it sits near the top of the scale.
A strong rating does not promise a smooth claim every time, but it is a signal that the company has the reserves to stand behind its policies. For a purchase you may keep for years, that stability carries weight.
A fully digital alternative
Not everyone wants a legacy insurer. Lemonade is an AI-powered company that sells renters, homeowners, pet, life, and car coverage, often with quotes in minutes through its app. If you are younger, renting, or you just prefer handling everything on your phone, it is worth a look next to The Hartford. See what Lemonade offers.
Lemonade
Lemonade
Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
Standout feature
AI claims in seconds. Giveback program donates unused premiums. 2.9M+ customers.
Fees
Varies by policy (renters insurance from ~$5/mo)
Pros
Lightning-fast AI claims processing. Social impact through Giveback program. Beautiful, easy-to-use app (4.9★ App Store).
Cons
Limited home insurance availability (28 states + DC only).
Pros and Cons of The Hartford Insurance
Every insurer has trade-offs. Here is an honest look.
Pros
- More than 200 years in business and an A+ (Superior) AM Best rating
- AARP perks built for drivers age 50 and up
- Wide product range, from personal auto to workers' compensation
- Claims reporting available 24/7
Cons
- The best personal rates are tied to AARP membership, which has its own dues
- It may not be the cheapest choice for younger drivers
- Personal auto and home are offered mainly through the AARP program
Who The Hartford Insurance Is Best For
The Hartford tends to fit adults age 50 and up, especially current AARP members who value renewal protection and driver-friendly extras. It is also a solid pick for small business owners who want coverage and employee benefits under one roof. Younger drivers and renters who want the lowest price should still compare quotes from budget-focused carriers like Mercury Insurance before deciding.
What Customers Commonly Report
Feedback about The Hartford tends to center on a few themes. Longtime AARP members often mention the renewal protection and the personal feel of the claims process. Some customers point to helpful representatives when filing a claim. On the other side, a portion of shoppers say the price was higher than a competitor's quote from carriers like Acuity Insurance, especially for those under 50. Experiences differ, so your own quote is the best guide.
Frequently Asked Questions
Is The Hartford only for AARP members?
No. The Hartford sells business insurance and employee benefits to companies of many sizes. Its personal auto and home coverage, however, is offered mainly through the AARP program, which does require a membership.
What is The Hartford's phone number for AARP auto insurance?
You can reach AARP auto insurance from The Hartford at 800-423-6789. Claims can be reported 24 hours a day, seven days a week, so you are not limited to business hours after an accident.
Is The Hartford a financially strong company?
Yes. The Hartford holds an A+ (Superior) rating from AM Best, one of the higher marks on that scale. It reflects the company's ability to pay claims, though it is not a guarantee about any single claim outcome.
Can I bundle auto and home with The Hartford?
Yes. Through the AARP program, eligible members can bundle auto and home coverage, which may lower the overall cost. The exact savings depend on your state, your coverage, and your personal details, so rates and terms vary.
