How to buy
Small-business direct and via agents; consumer auto/home through the AARP program. Your premium depends on your profile, location, and coverage, so confirm current pricing with a quote.
A commercial-focused insurer that also provides AARP-endorsed auto and home insurance to consumers. Founded in 1810 and based in Hartford, CT, The Hartford holds an AM Best Financial Strength Rating of A+ (Superior), the independent measure of an insurer’s ability to pay claims that we use to rank carriers.
The Hartford writes auto, homeowners, renters, condo, umbrella, business owners policy (BOP), general liability, professional liability, workers’ compensation, commercial auto, commercial property, cyber liability coverage. It is often a fit for small businesses, aarp members (age 50+) seeking auto or home. Reported strengths include high am best rating (a+), leading small-business and workers-comp insurer, exclusive aarp auto and home program. Trade-offs to weigh: personal auto and home generally available only via the aarp program, oriented to the 50+ market.
AM Best ratings and product availability change over time and vary by state. Confirm the current rating, the lines offered where you live, and pricing directly with the carrier or through a quote.
A carrier's marketing rarely tells you what matters. Before you buy auto coverage from The Hartford, or anyone, weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. The NAIC complaint index compares consumer complaints to an insurer's market share, under 1.0 is better than average. It's the closest thing to a public claims-experience score.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and, most importantly, the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
AM Best ratings, pricing, and product availability change over time and vary by state, so confirm the current specifics with the carrier or in a quote.
Is The Hartford available in my state?
Carrier availability and pricing vary by state and by line of business. The fastest way to confirm whether The Hartford writes auto insurance where you live, and at what price, is to start a quote with your ZIP code.
How financially strong is The Hartford?
The Hartford holds an AM Best Financial Strength Rating of A+ (Superior). AM Best is an independent agency that grades insurers on their ability to pay claims, and we rank carriers primarily by this third-party rating. Ratings can change, so confirm the current one before buying. See our methodology for how we compare carriers.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review its NAIC complaint index relative to market share, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.