AARP/The Hartford Insurance Review 2026

We recommend AARP/The Hartford for AARP members 50 and older (it’s worth noting AARP lets you join if you’re 18 and up). That’s due to its focus on a senior driver clientele, in addition to the immediate 10 percent discount that AARP members of that age range earn on their policy. In fact, we’ve even named The Hartford one of the best auto insurance companies for seniors.

AARP/The Hartford insurance costs an average of $2,914 per year for full coverage, which is 24 percent higher than the national average of $2,356. For minimum coverage, it costs an average of $840 per year, which is 16 percent higher than the national average of $722.

Here’s how rates compare across all ages. While AARP/The Hartford isn’t the most expensive provider below, it still ranks near the top for priciest average rates:

This trend holds true for senior drivers specifically. Despite its 10 percent discount for AARP members, The Hartford’s average rates for senior drivers are higher than the national average, as well as rates from other major providers:

Finally, here are AARP/The Hartford’s average rates for different driver profiles compared to the national average.

Our team analyzed real-life customer feedback and review patterns to understand what drivers think. By analyzing over 1,000 customer reviews from major platforms like Reddit, BBB, and more, we identified common themes in customer satisfaction, complaints, and overall experience. Here’s what we found:

The Hartford says that drivers who switch auto policies save an average of $597 compared to their previous provider.¹ That’s likely due to the numerous discounts that it offers, including:

• AARP member: Get an automatic 10 percent discount for being an AARP member aged 50 and older
• Multi-policy: Bundling your auto insurance with home, renters, or condo insurance could lead to savings ($963 on average according to The Hartford)
• Online quote: Save 8 percent by starting your quote online
• Pay on time: Get up to 10 percent off for paying your premium on time
• Defensive driving: Enjoy 5 percent off for completing an approved defensive driving course
• 5 years clean: Save up to 10 percent when you maintain a clean driving record for five years minimum
• TrueLane: Participate in the TrueLane telematics program and get rewarded for safe driving (more below)
• Pay in full: Save when you pay your entire premium in full
• Vehicle fuel type: You may qualify for discounts if your car is an electric vehicle or hybrid
• Safe driver training: If you’re under 21 years old (under 25 in Georgia), and you complete an approved driver training course, you can earn a discount
• Safety features: Reap savings if you have safety features installed in your car, like anti-lock brakes or anti-theft devices

Featured Discount: TrueLane

TrueLane is The Hartford’s usage-based telematics program, which offers discounts for safe driving. You get a 15 percent discount for signing up, and upon your policy renewal, you’re eligible for a revised discount up to 40 percent, depending on your driving habits.

To get started, sign up on the TrueLane app, then use it to track your driving. You’ll get a driving score on metrics like acceleration, phone usage, turning, braking, and driving speeds. Unlike some other telematics programs, you’ll have to continuously track your driving to keep your discount, which will be reevaluated every policy renewal according to your score.

Keep in mind that while safe driving can lead to substantial savings, risky driving can increase your rates, so consider this before you enroll.

To start my quote, all I had to do was enter my ZIP code on The Hartford’s website.

I then was prompted to input my name, date of birth, and home address, and then my vehicle type and VIN. If you don’t have your VIN, you’ll be prompted to enter data about your vehicle’s year, make, and model instead.

I found that The Hartford’s quote process goes fairly in-depth. I was directed through several more pages’ worth of questions to fill out, including about my car (whether I financed or leased it, if it’s new or used, and how I use it), as well as myself (my driving history, gender, marital status, and more). Here’s a sample of the types of questions you’ll encounter:

In general, the process of answering all the questions to get a quote took only a few minutes. Throughout the process, The Hartford offered a phone number I could call, but I chose to finish the quote online.

However, when I submitted my information, I was directed to a page that stated a technical glitch had occurred, but that my data was saved. The page again offered a number I could call to finish the quote by phone instead.

The site has experienced technical issues in the past, namely long buffering times. That wasn’t my experience this time around, but my issue with retrieving my finished quote underscores that technical issues may be a pattern for The Hartford’s site. Phone may be a better option if you’re intent on an efficient, personalized quote process from start to finish.

AARP/The Hartford offers the standard car insurance coverages, which include:

• Liability insurance (including property damage and bodily injury liability)
• Collision coverage
• Comprehensive coverage
• Medical payments
• Personal injury protection (PIP)
• Uninsured/underinsured motorist (UI/UIM)

The company also offers additional coverages beyond the standard coverages:

• Full glass coverage: If your mirrors, windows, or headlights are damaged, you’ll be able to get the repairs done without paying a collision or comprehensive deductible first.
• Gap insurance: Often required by auto lenders. It covers the remainder on a loan/lease if you total your car, ensuring you won’t owe money on a car you can’t drive.
• Rental car reimbursement: Pays for a rental car if your car is in the shop under a covered comprehensive or collision claim.
• Rental car insurance: This is liability coverage, but for a rental car. It helps cover any damage to your rental car if you get in an accident so that you’re not financially liable.
• Roadside assistance: Offers 24/7 assistance if your car breaks down. This helps cover the cost of towing, emergency fuel, flat-tire changes, jump-starts, and lockout services.
• Accident forgiveness: If all drivers on your policy have a clean driving record for the past five years, your rates won’t go up after your first at-fault accident (not available in California).

The Hartford has strong financial strength ratings, but garnered mixed scores on a few customer satisfaction studies from J.D. Power. Starting with the positives:

• Financial strength ratings were high across the board, meaning The Hartford has the financial solidity to pay out claims.
• It ranked ninth overall with an above-average score in J.D. Power’s 2025 U.S. Claims Satisfaction Study.
• According to the National Association of Insurance Commissioners’ Complaint Index, the company received slightly more complaints than average for a company of this size — but its score was on par with or lower than other major insurers.

On the flip side, The Hartford had below average scores in the 2026 U.S. Auto Insurance Study from J.D. Power, which measures customer satisfaction from current policyholders.⁷

Here’s a breakdown of the The Hartford’s scores in different regions it was ranked:

There are a few easy ways to file a claim with AARP/The Hartford. I could do it online, either on the company’s website or its main mobile app, or I could call a number (there is a dedicated line for AARP members). The length of time for a claim to be resolved can vary, but expect it to take around 30 days, or more if there were injuries or deaths involved.

On the CRASH Network’s 2026 Auto Insurer Report Card, The Hartford got a C+, or a numerical score of 628. For context, the national average is 680, and The Hartford’s score is higher than each of the ten biggest insurers in the country, including Travelers, Nationwide, and Farmers.⁸

Aside from the quote process, which had a bit of buffering, I had no trouble navigating The Hartford’s website and getting information about the AARP program.

There are also two mobile apps:

• The Hartford (main insurance app): Lets you manage your policy on mobile, including viewing insurance cards, paying bills, changing policies, and tracking claims
• TrueLane by The Hartford (telematics app): Optional to use and tracks your driving to provide a potential discount for safe driving habits

While reviews were mostly positive, some customers who used the previous version of the app complained that their linked accounts weren’t visible in the new version. Overall, both apps received favorable feedback, with TrueLane app users pointing out some flaws while tracking driving habits.

AARP/The Hartford has above-average rates across all driver profiles, including seniors. However, if you’re an AARP member aged 50 and up, it’s worth getting a quote to see if the rate you’re offered is competitive. AARP members qualify for an immediate 10 percent off discount on their policy, and AARP/The Hartford has a solid lineup of discount opportunities that may lower your premium.

The Hartford boasts solid financial ratings across the board, meaning it has a strong ability to pay claims you file. However, its customer satisfaction scores are mixed, split between an above-average claims satisfaction score and below-average customer satisfaction scores on a couple J.D. Power studies.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyze average premiums for full and minimum coverage for good drivers with good credit, as well as various driver profiles, including those with DUIs, accidents, or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.