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Choosing the right car insurance provider can feel overwhelming. If you're considering The Hartford through AARP, understanding its pricing structure will help you determine if it fits your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value for your car insurance coverage.
The Hartford car insurance pricing per month
Full-coverage car insurance from The Hartford averages $258 per month. Drivers who choose minimum liability-only coverage can expect to pay around $164 monthly.
Keep in mind these are average figures. Your personal rate depends on multiple factors including your age, where you live, your credit score, and your driving record. While your specific quote from The Hartford may look different, these averages provide a useful benchmark for comparison shopping.
| The Hartford average monthly cost | National average monthly cost | |
| Full coverage | $258 | $186 |
| Liability-only | $164 | $104 |
The Hartford's rates versus other car insurance providers
Each company uses different methods to evaluate risk and offer discounts, which can significantly impact your final rate. Comparing The Hartford's pricing against other insurers helps you understand where it stands for your particular circumstances.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $114 | $59 |
| Progressive | $182 | $106 |
| GEICO | $148 | $95 |
| Allstate | $148 | $79 |
| USAA | $105 | $56 |
| The Hartford | $258 | $164 |
The Hartford's rates by age
Age does play a role in how The Hartford calculates premiums.
The lowest rates typically appear for drivers in their 70s, averaging around $145 a month. However, people in their 50s and 60s don't see too much of an increase, averaging $175 and $149 montly, respectively.
| Age group | The Hartford average monthly full coverage cost | National average monthly cost |
| 50s | $175 | $177 |
| 60s | $149 | $159 |
| 70s | $145 | $162 |
The Hartford's rates for high-risk drivers
A history of accidents or traffic violations typically results in higher insurance costs with The Hartford. High-risk drivers with a speeding ticket on record pay approximately $386 monthly, while an at-fault accident increases the average to $360.
Drivers with a DUI conviction face substantially higher premiums, averaging $407 per month. Keep in mind these are general estimates for high-risk coverage, and your actual cost will vary based on when the incident occurred and your overall risk profile.
| Driving record | The Hartford average monthly full coverage cost | National average monthly cost |
| Accident | $360 | $249 |
| Speeding ticket | $386 | $241 |
| DUI | $407 | $275 |
How does your credit score affect your rate with The Hartford?
Your credit score influences insurance pricing in most states. Only four states prohibit this practice: California, Hawaii, Massachusetts, and Michigan.
Where credit-based pricing applies, The Hartford adjusts premiums according to your credit tier. Drivers with excellent credit average $233 monthly, while good credit results in slightly elevated rates of approximately $248.
Those with average credit typically pay around $286 per month, while poor credit pushes average premiums to about $343 monthly.
These figures illustrate credit's impact on insurance costs, though your final rate reflects a combination of all your personal rating factors.
| Credit score | The Hartford average monthly cost of full coverage | National average monthly cost |
| Excellent | $233 | $164 |
| Good | $248 | $179 |
| Average | $286 | $194 |
| Poor | $343 | $228 |
FAQs
Do I need an AARP membership to get car insurance through The Hartford?
Yes, you'll need to be a member of AARP to get a policy with The Hartford and start taking advantage of benefits just for members. However, if you don't have an AARP membership, The Hartford can help you sign up.
How does The Hartford's accident forgiveness program work?
The Hartford's accident forgiveness isn't available for immediate purchase like some competitors offer. Instead, policyholders earn this benefit by maintaining a completely clean driving record for five consecutive years while insured with The Hartford. Once earned, your first at-fault accident won't trigger a rate increase, providing valuable protection for drivers who have demonstrated long-term safe driving habits.
What makes The Hartford's RecoverCare benefit different from standard coverage?
RecoverCare is a distinctive benefit exclusive to The Hartford that addresses recovery needs that other auto policies typically ignore. If you're injured in a covered accident and unable to perform daily tasks, RecoverCare might help cover expenses for services like house cleaning, meal preparation, lawn care, or transportation to medical appointments. This coverage aims to provide practical support during your recuperation period when you need assistance with everyday responsibilities that standard personal injury protection doesn't address.
Bottom line
Should you choose The Hartford as your car insurance company? The most effective approach is requesting quotes from The Hartford and several competitors, then evaluating them on both cost and customer service.
Data throughout provided by Insurify.
Average rate:
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