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AARP The Hartford Auto Insurance Review

24 Customer Comments & Reviews - see all comments
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AARP, otherwise known as the American Association for Retired Persons, offers a good array of auto insurance policies. Founded in 1810 in Hartford, Connecticut, The Hartford is a financial services company that specializes in providing a range of insurance products. Their auto insurance specifically offers a good amount of customization in terms of its coverage and discount options.

How is AARP The Hartford rated?

Breakdown

3.5/5
Coverage
3.5/5
Financial Strength
0.0/5
Supplemental Coverage
3.5/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
0.0/5
Automation

Overall Rating: 3.5 / 5 (Very good)

AARP The Hartford’s auto insurance coverage falls squarely within industry standards. Policies, discounts, and limited marketshare percentage aside, they stand out due to their commitment to excellence. As the highest-rated company within the scope of the JD Power averages, AARP The Hartford instantly makes itself worthy of consideration.

AARP The Hartford Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Towing & Labor Cost
  • Glass

Coverage - 3.5 / 5

As the car insurance arm of the AARP, The Hartford’s coverage is relatively run-of-the-mill. They do offer optional add-ons, which include glass repair, personal injury, collision protection, and more.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.65
NAIC Total Complaints 2020
33

Customer Ratings

BBB Rating
A-
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
14
Date Collected
2017-11-10
*The NAIC Car Insurance complaint ratio (in this case 1.65) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4 / 5

AARP the Hartford has a relatively higher-than-average complaint ratio. However, the company boasts an A- grade with the Better Business Bureau rating. We consider that, overall, their customer experience is commendable.

Financial Strength

Key Details

Premiums Written 2020
$2,484,236,564
Marketshare
1.16%
AM Best Financial Rating
A
Standard & Poor's Financial Rating
A

Financial Strength - 3.5 / 5

AARP The Hartford is a middle-lane player in the auto insurance industry, with a modest marketshare percentage of 1.16%. However, they have obtained good ratings from financial strength organizations, such as Standard & Poor's and AM Best.

Pricing & Discounts

Discounts

  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Student
  • Bundled Policy

Pricing & Discounts - 3.5 / 5

AARP The Hartford is able to offer a select number of discounts in their pricing schematic. Largely revolving around safety, they offer discounts to people with reliable vehicles, safe driving history, bundled policies, and anti-theft protections. Further discounts are available for students with clean driving records.

Contact & Additional Information

Homepage URL
Company Phone
(800) 423-6789
Headquarters Address
690 Asylum Avenue, Hartford, CT, 06155
Year Founded
1810

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24 Customer Comments & Reviews

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Beverly M
12/3/2021
We finally fired the Hartford after years of being severely shortchanged, especially after our house (and two new ACs) was struck by lightning and the snowpocalypse of February 2021. They refused to pay for damaged televisions, as well as a lot of other equipment which has never worked well again. You’ll do better elsewhere.


D
David H
11/9/2021
Signed up with AARP Hartford for home and auto policies. Was charged $1453.00 for both policies. I paid for full year. Eighty days later I canceled policies over an additional charge they tried to charge me. I figured my refund based on eighty days of the year I was covered, 21.9% of the year (80 days divided by 365 days in year) and therefore I would be receiving a refund of 78.1% of the $1453.00 which would be $1134. plus change. I received $1018.00. I called and talked to customer service and the person relayed the message to me that they had refunded the correct amount. I asked how they arrived at the amount and if they charged me a cancelation fee or any other fee to cancel insurance?... Read More


Gerald G
10/21/2020
Service is terrible constant lying by agents.. Would not recommend this company to anyone!! Beware of their constant rate increases... A useless COMPANY!!!


K
Kellie M
5/11/2020
Thieves we have had Hartford for years never had a claim till last year when a storm went through they didn't pay squat then had the nerve to double our house premium would never recommend Hartford to ANYONE if I could give them a lower rating i would


pjcopeland36
9/11/2019
now after one year I drop Hartford , it was the best thing I ever did, after having them for several years , my policy was raised 300 dollars for 2 old cars next year 300 more, there reason was across the board in my state which was no truth at all , zero tickets never zero moving violations, talked to 4 other ins companies and all were cheaper , aarp and Hartford rip off older people on fixed incomes, nothing new please read all the bad info on this stupid auto ins,,


Donald D
8/30/2019
Stay away people. Better off, RUN! these so called people are thieves. Paid 22 yrs weekly for insurance for short term disability and I'm on week 6 of no pay. They dont care at all... Actually, they dont deserve a reply, they are pathetic.


4karolak
8/2/2019
My in-laws asked me about my auto and homeowner insurance because they thought their Hartford insurance through AARP was too high. I took them to my independent agent and they ran a quote for them. The results were unbelievable. The quote came back from HARTFORD, it was the EXACT same coverage for hundreds of dollars less! Hartford through AARP is a ripoff.


desertcandle
7/28/2019
The insurance agent Dee just tried to scam me and tell me there was a balance due on my deceased father's policy. When I asked for proof she put me on hold for a very long time then came back and said Oh I am so sorry I misquoted there is no balance on the policy. Then proceeds to tell me in order to give me a quote that I had to move my homeowners insurance policy to the Hartford in order to insure my fathers home. What a scam she is. I refuse to do business with a company that hires such unscrupulous people.


rogerlm340
4/25/2019
Very disappointed in the handling by the Hartford Ins., of the return of insurance funds to an Estate for a deceased person is handled ton an AAAP sanctioned company. I submitted the proper paperwork for removing the vehicle from the road and cancelling the insurance. I never received a word from the company, I called just under two months later and was advised that they sent the money back to the credit card company, Bank of America. I replied, that as the party is deceased, the credit card has been closed due to the DEATH of the insured, so therefore, no money should be sent on a closed account. as they are aware the person is deceased as they have the death certificate. I was advised... Read More


Michael P
4/23/2019
The Hartford wants my wife and I (which are seniors) to pay $1,587.41 in June for our yearly premium coverage and we have no accidents or tickets? The Hartford has been raising our payment every year for the last 3 years why? I called Hartford last year and the lady told me, it is because of all the other bad drivers who get into accidents. Well, it wasn't me or my wife? This year the Hartford claims by improving the factors which come from my credit report, I can strengthen my insurance score, which could result in lower insurance premiums in the future? So the Hartford uses my insurance score to determine my premium? I have been paying every year in advance since 2016 (which was a little... Read More



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