A+ RatedUpdated January 2026

The Hartford Review

The Hartford is the exclusive auto and home insurance provider for AARP members, offering specialized coverage for drivers 50 and older.

Our Rating
4.2
1810
Founded
50
States Served
1.2%
Market Share
A+
AM Best Rating

Overview

The Hartford is one of the oldest insurance companies in America, founded in 1810. They've become the exclusive auto and home insurance provider for AARP members, making them a top choice for drivers 50 and older. Their specialized focus on mature drivers means tailored coverage and competitive rates for that demographic.

Pros

  • Excellent for AARP members (exclusive partner)
  • RecoverCare for accident-related expenses
  • Strong for drivers 50+
  • Lifetime renewability guarantee
  • Strong financial stability

Cons

  • Best rates require AARP membership
  • Less competitive for younger drivers
  • Limited independent agent network
  • Digital experience could be improved

Average Rates

Average Auto Premium
$1,398/year
$117/month
Average Home Premium
$1,534/year
$128/month

* Rates are national averages and vary by location, driver profile, and coverage level

Ratings & Scores

Customer Satisfaction
4.2
Claims Handling
4.1

Available Discounts

AARP memberMulti-policyGood driverDefensive drivingAnti-theftMulti-vehiclePrior insurancePaid in full

Frequently Asked Questions

Do I need to be an AARP member for The Hartford?

While The Hartford is available to non-AARP members, the best rates and benefits are reserved for AARP members. AARP membership is available to anyone 50 or older.

What is The Hartford RecoverCare?

RecoverCare covers expenses if you're injured in an accident, including help with housekeeping, lawn care, and other daily activities while you recover. This is a unique benefit for The Hartford policyholders.

Is The Hartford good for older drivers?

Yes, The Hartford specializes in coverage for drivers 50 and older. Their AARP partnership provides competitive rates and benefits tailored to mature drivers' needs.

What is The Hartford's lifetime renewability guarantee?

The Hartford guarantees they won't cancel or refuse to renew your policy based on age, changes in health, or claims history. This provides peace of mind for long-term coverage.

How do I get a quote from The Hartford?

You can get a quote online or by calling The Hartford directly. If you're an AARP member, be sure to have your membership number ready for the best rates.

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