Car Insurance
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Features and Benefits
The Hartford offers innovative features like RecoverCare, No-Drop Promise and a Disappearing Deductible. Learn More
Auto Insurance Discounts
You may qualify for discounts and credits that can save you money without sacrificing great car insurance coverage. Learn More
Coverage Options
Car insurance coverage can seem confusing. We outline all the types of coverage so you can make the right choices. Learn More
Coverage Calculator
Our car insurance coverage guide can help you calculate the right amount of coverage for your individual needs. Learn More
Request a Quote
Getting an online car insurance quote from The Hartford is quick and easy. We’ll guide you through a few simple steps. Learn More
Articles about Your Car
Take a Defensive Driving Class
A defensive driving course covers age-related changes that can affect driving, such as changes to vision, strength and reflexes. Full StoryCar Safety Features
Manufacturers have designed new safety features to avoid crashes and/or protect you and your passengers if a crash occurs. Full StoryThe Dangers of Night Driving
Traffic death rates are three times greater at night than during the day. Yet many people are unaware of the special hazards of night driving. Full StoryGreen Driving Tips That Help Your Wallet
You don't necessarily need to spend a lot of money on a hybrid to drive green. Full StoryBe Prepared with a Car Emergency Kit
You hope you'll never need it, but having a road emergency kit is great for those long trips (just in case). Full StoryAuto Testimonial
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With approved auto repair shops nationwide, we make repairs easier and more reliable.
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Auto Insurance Features & Benefits
Innovative Features Come Standard Here
Features and Benefits You Can Count On
At The Hartford, we go beyond just savings to get you more for your dollar. We offer innovative car insurance features not found with some other providers. Here are some of the auto insurance benefits we provide.
RecoverCare Car Insurance Benefit
When you’re injured in a car accident, we help pay for you to get assistance with cooking, cleaning, shopping, transportation and even yard work if you need it.§
Lifetime Car Repair Assurance
If you choose one of the more than 1,600 authorized auto repair shops in our approved network, we stand behind the workmanship of covered repairs for as long as you own or lease your vehicle.
No-Drop Promise
Once you become an automobile insurance policyholder, you’re assured continued car insurance coverage as long as you're able to drive and meet a few simple requirements.†
24/7 Claim Hotline
Claims support is an important car insurance feature. Our claim experts are available for you anytime, day and night, to start your claim and get you back on the road.
New Car Replacement
If you experience a total loss of a new car within the first 15 months or 15,000 miles after you purchased it (whichever comes first), we'll pay the replacement cost of a new vehicle—the same make, model and equipment—with no deduction for depreciation.Auto Insurance Upgrade Features
In addition to all the standard car insurance benefits we provide, you can get an automobile insurance quote with our Advantage Plus package that offers these additional benefits.
First Accident Forgiveness
If you qualify for this auto insurance benefit and you have a car accident, it won't count against you, and your auto insurance rates won't go up because of it.††
Disappearing Deductible
Maintain a clean driving record, and we'll reduce your auto insurance collision deductible each year until it disappears. ††
Waiver of Deductible for a Not At Fault Accident
If a collision loss is not your fault, then why should you have to pay your auto insurance deductible?
$100 Deductible Waiver
If you choose to take your car to one of our authorized auto repair shops, we'll waive $100 of your auto insurance collision deductible.Not all features and benefits are available in all states.
† Your policy will not be non-renewed because of the number of traffic convictions or accidents you or any operator may have during the policy period. This promise does not apply if any operator is convicted of operating a vehicle under the influence of drugs or alcohol, if an operator has a driver's license suspension or if you fail to provide us, if requested, a physician’s certification of fitness to drive. PLEASE SEE ENDORSEMENT FOR ALL PROVISIONS.
§ Availability and benefit levels vary by state.
††Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. To qualify for the Disappearing Collision Deductible in most states, all drivers on the policy must have a clean record for three consecutive years. NY and PA drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. First Accident Forgiveness benefit is not available in all states.
Affordable Auto Insurance
Ways to Save on Auto Insurance
Our Credits and Discounts Add Up
Affordable auto insurance may seem impossible without sacrificing quality coverage, but not at The Hartford. We offer exceptional coverage, features and services, all wrapped into one package. And our many available credits and discounts can make our affordable car insurance policies even more appealing.Availability of each of these credits or auto insurance discounts may vary by state or policy plan.
Defensive Driver Credit
If you've completed an approved defensive driver course, you're eligible for an auto insurance discount from us for the next three full years. Just send us a copy of your certificate, and we’ll apply the credit.Home & Auto Insurance Bundle
Bundling your affordable auto insurance coverage with your home insurance coverage might be a smart move. If you have homeowners insurance, condo insurance, or renters insurance with The Hartford, as well as auto insurance, you can save significantly on both.
Driver Training Credit
Receive a credit on your premium for drivers under 21 years old who successfully complete an approved training course.In Georgia this discount applies to drivers under 25 years old.
Good Student Driver Credit
Good students can help with affordable auto insurance. Get a credit for full-time student under the age of 25 who owns or operates a vehicle insured by The Hartford and qualifies as a good student.†
Air Bags Discount
Our car insurance has a discount for cars with automatic air bags. It’s a way we reward you for car safety. If your car is equipped with more than one air bag, you save even more.
Anti-Theft Device Discount
We reward you for making your car harder to steal. If you have active or passive anti-theft devices on your car, it can save you money on your comprehensive coverage.† The owner or operator is at least 16 years of age and a full time student in: high school, or college or university, or vocational technical school. A certified statement from a school official is presented to the company on each anniversary date indicating that the student has met one of the following requirements during the immediately preceding school semester: is in the upper 20% of his/her class scholastically, or maintains a “B” average, or its equivalent. If the letter grading system cannot be averaged then no grade can be below “B”, or must have at least a 3 in a 4, 3, 2, 1, point system or its equivalent, or student is included in a “Dean’s List”, “Honor Roll” or comparable list indicating scholastic achievement.
Auto Insurance Coverage
Auto Insurance Coverage Designed For You
Understand the Car Insurance Coverage You Buy
Auto insurance coverage may seem confusing – but we’re here to make it easier. At The Hartford, we’ll work with you to determine the appropriate car insurance coverage for your needs. Below is an overview of the types of coverage we offer and how they each protect you. Click on the "+" sign for detail.Not all coverages are available in all states.
Collision coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision.
More on Collision Coverage
More on Collision Coverage
Comprehensive coverage, known as "other than collision" coverage, pays for damage to your covered vehicle, less the deductible amount, from events such as fire, theft and hail.
More on Comprehensive Coverage
More on Comprehensive Coverage
This auto insurance coverage pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an auto accident.
Medical Payments Coverage
Medical Payments Coverage
Bodily Injury Protection protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else.
More on Bodily Injury Protection
More on Bodily Injury Protection
Property Damage Liability covers you against financial loss if you are found liable for damage to other people’s property (fences, another vehicle, etc.) caused by your auto.
More on Property Damage Liability
More on Property Damage Liability
This coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance.
Uninsured Motorist Bodily Injury
Uninsured Motorist Bodily Injury
This coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.
More on Uninsured Motorist Property Damage
More on Uninsured Motorist Property Damage
This auto insurance coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault.
More On Personal Injury Protection (No-Fault Insurance)
More On Personal Injury Protection (No-Fault Insurance)
This coverage pays the amount of a covered glass loss with no deductible being applied. It is an optional coverage on your policy.
More on Full Glass Coverage
More on Full Glass Coverage
This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved.
More on Towing and Labor Coverage
More on Towing and Labor Coverage
Car Insurance Coverage Calculator
Do You Have the Right Coverage?
Car Insurance Calculator Guides You
The Hartford's car insurance calculator - or coverage guide - can help determine the right auto insurance coverage amounts for your individual needs.
How Does the Car Insurance Calculator Work?
Insurance coverage isn't one size fits all. That's why The Hartford’s online quote process includes an auto insurance calculator that can help determine the best coverage for you.The coverage guide asks you a few questions about the drivers on your policy, the vehicles on your policy, and your total income and assets. All of the information is important for the auto insurance calculator to determine the right coverage for you.
Then, in just a couple minutes, the auto insurance coverage calculator will provide suggested coverage limits, customized for you. Once you have your suggested limits, you can learn more about each coverage limit and complete your personalized auto insurance estimate.
Request an Auto Insurance Quote Online
Auto Insurance from The Hartford
Auto Insurance Quotes from The Hartford
Auto insurance from The Hartford means great coverage at a great price. And you can get car insurance quotes from us anytime online. But The Hartford’s protection goes beyond just savings to get you more for your dollar.We offer innovative features and benefits not found with some other auto insurance providers. People who request car insurance quotes today – can find out how they could be getting so much more by switching to The Hartford.
What You Need to Know
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