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The Hartford Review

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Should I use The Hartford?

Get business, home and car insurance quotes from The Hartford. Explore coverage options and find the right protection for your needs. - thehartford.com

· 1 week ago

A fit if you're an AARP member 50+ or a small business needing workers' comp, auto, or bundled coverage from a financially solid, 200-year-old carrier. Skip it if you want published rates up front or a spotless claims and data-security record.

Confidence

Medium. Based on ~30 public sources; review snippets were truncated, so no verbatim user quotes could be extracted.

Ratings

  • Value for moneyNo public rate data in sources
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

Quote-based

Personal (auto, home)

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierNo
Business (BOP, workers' comp, cyber)Quote-based

Best for

  • AARP members 50+
  • Small businesses needing workers' comp or BOP
  • Trucking and fleet operators
  • Bundlers wanting one carrier for auto, home, business

Not for

  • Bargain hunters wanting published rates — everything is quote-only
  • Anyone demanding spotless claims service — 219 complaints logged on PissedConsumer
  • Privacy-sensitive buyers wary of its data-incident history
  • Under-50s excluded from the flagship AARP program discounts

Gotchas - check before you buy

medium

Published 'average cost' guides won't match your actual quote; rates vary widely

medium

Negative reviews skew toward claims handling and support, not coverage breadth

low

Best-known discounts live inside the AARP program — membership required

low

Multi-policy bundling creates switching friction at renewal time

Pros and cons

Pros

  • Dedicated AARP auto insurance program for members 50+
  • Wide coverage range: business, home, auto, cyber, workers' comp
  • Cyber capacity partnership with Coalition for UK and US markets
  • Financially strong, publicly traded; reported strong Q2 2026 results
  • Trucking-focused safety offering listed on Motive's marketplace

Cons

  • 219 complaints catalogued on PissedConsumer
  • 2025 New York AG assurance-of-discontinuance settlement
  • Lost backup tapes containing data on 237,000 people
  • Data-breach lawsuits piling up as of 2023
  • Quote-based pricing; no transparent rates before contact

Sources & method

- 12 sources - Legacy insurer with a real incident history: lost tapes affecting 237,000 people, breach-related lawsuits, and a 2025 NY AG settlement.

official x2review x5security x3news x2
  • Lost tapes with data on 237,000 people, The Hartford reported losing backup tapes containing personal data on roughly 237,000 individuals.
  • Data-breach lawsuits (2023), Multiple lawsuits were filed against The Hartford over a data breach as of August 2023.
  • NY AG assurance of discontinuance (2025), 2025 settlement with the New York Attorney General; the agreement cites conduct The Hartford did not adequately perform.

Key stats

  • Ease of use: 4/5

    Rating

  • Quote-based

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money. No public rate data in sources
  • Ease of use: 4/5. G2 users call its portal very user friendly
  • Feature depth: 4/5. Broad lines: auto, home, business, cyber, workers' comp
  • Support quality: 2/5. 219 PissedConsumer complaints; claims gripes recurring
  • Security posture: 1/5. Lost tapes held 237k people's data; breach lawsuits
  • 500+ WalletHub ratings User ratings on WalletHub profile
  • 499 Trustpilot reviewers On the thehartford.com page
  • 219 PissedConsumer entries Complaint-heavy review page
  • 200+ Years in business Per company's own claims

Pricing

Personal (auto, home)

Quote-based

  • AARP program for 50+ members
  • Bundling discounts across policies

Business (BOP, workers' comp, cyber)

Quote-based

  • Small-business packages
  • Cyber capacity via Coalition partnership

Security

Legacy insurer with a real incident history: lost tapes affecting 237,000 people, breach-related lawsuits, and a 2025 NY AG settlement.

  • Lost tapes with data on 237,000 peopleThe Hartford reported losing backup tapes containing personal data on roughly 237,000 individuals.⁷
  • Data-breach lawsuits (2023)Multiple lawsuits were filed against The Hartford over a data breach as of August 2023.⁸
  • NY AG assurance of discontinuance (2025)2025 settlement with the New York Attorney General; the agreement cites conduct The Hartford did not adequately perform.⁹

What users say

Reviews are mixed: hundreds of ratings on WalletHub and Trustpilot sit alongside 219 complaint-heavy entries on PissedConsumer.

Alternatives

Compare The Hartford with each alternative.

  • Policygenius

    Compare quotes across insurers before committing to one.

  • Progressive

    Quote-first rival with broad auto and business lines.

  • State Farm

    Largest agent network for personal-lines bundling.

Full analysis

Based on ~30 public sources; review snippets were truncated, so no verbatim user quotes could be extracted.

200-year-old insurer, broad coverage, AARP perks — but quote-only pricing, mixed reviews, patchy data-security record.

Methodology

Based on ~30 public sources; review snippets were truncated, so no verbatim user quotes could be extracted.

Read how a report is made.

Sources

  1. The Hartford Reviews | Trustpilottrustpilot.com
    review
  2. 219 The Hartford Reviews | PissedConsumerthe-hartford.pissedconsumer.com
    review
  3. The Hartford Insurance Reviews: 500+ User Ratings | WalletHubwallethub.com
    review
  4. The Hartford Insurance Review (2026) | MarketWatchmarketwatch.com
    review
  5. The Hartford Small Business Insurance Review for 2026 | US Newsusnews.com
    review
  6. AARP Auto Insurance Program from The Hartfordaarp.org
    official
  7. The Hartford Loses Tapes With Data on 237,000 People | Dark Readingdarkreading.com
    security
  8. Lawsuits Piling Up Against The Hartford Over Data Breach | Law.comlaw.com
    security
  9. Hartford Fire Insurance Company Assurance of Discontinuance | NY AGag.ny.gov
    security
  10. The Hartford and Coalition UK Cyber Partnershipcoalitioninc.com
    news
  11. The Hartford Reports Strong Q2 2026 Financial Resultsnewsroom.thehartford.com
    news
  12. The Hartford on Motive Marketplacemarketplace.gomotive.com
    official

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