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Auto Insurance

The value of an auto insurance policy goes beyond replacing or repairing your vehicle if it’s damaged. It’s about limiting inconvenience and interruptions to your life.

Car insurance coverage from The Hartford provides all the coverage you need to get your life back on the road quickly and affordably:

  • Bodily Injury Protection. Protects you from financial losses should you be held legally responsible for an automobile accident that causes death or injury to another person. This coverage also includes the legal expenses for your defense in a covered suit, plus bail bond and court costs.
  • Property Damage Liability. Protects you from financial losses should you be found liable for damage caused by your automobile to other people’s property, such as fences, light poles or another vehicle.
  • Uninsured Motorist Bodily Injury. Pays death or bodily injury costs for you and any passengers in your vehicle if you should be hit by an uninsured driver, or if you're struck by a “hit-and-run” driver you can’t identify. Policy limits apply.
  • Uninsured Motorist Property Damage. Pays for damage to your vehicle should it be hit by a hit-and-run driver, a driver with no insurance, or a driver whose property damage liability limit is not enough to cover the damages incurred. Available in a limited number of states.
  • Underinsured Motorists. Pays benefits for the death or bodily injury of you and any passengers in your car, should you be in an accident caused by a driver who has some insurance, but that insurance is inadequate to cover the losses resulting from the accident.
  • Personal Injury Protection (No-Fault). Covers the cost of personal injuries that result from an auto accident, regardless of who was at fault. This coverage applies to injuries only, and does not include damage to a car or any other property. Provided on a per-occurrence, per-person basis.
  • Medical Payments. Pays necessary and reasonable medical expenses that directly result from an auto accident, up to selected limits. Covered expenses might include medical care, rehabilitation, recovery and remedial care, as specified in the policy. Coverage will vary by state.
  • Collision. Pays for damage to a covered vehicle, less the deductible amount and up to actual cash value, for losses caused by a collision. “Collision” is defined as contact with a physical object, such as another vehicle or a structure. If you choose to buy collision coverage, choosing a higher deductible typically reduces the cost of your policy. Collision coverage is available only for those who also carry comprehensive coverage, and is often required when your car is financed or leased.
  • Comprehensive. Pays for damage to your covered vehicle, less the deductible amount and up to actual cash value, caused by events such as theft, fire, riot, glass breakage, hail and windstorms. If you choose to buy collision coverage, choosing a higher deductible typically reduces the cost of your policy. Comprehensive is often mandated if your car is leased or financed.
  • Full Glass. Pays for a covered glass loss, without deductible. This optional coverage can be purchased for an additional premium.
  • Towing and Labor. Pays up to the chosen limit for towing your inoperable vehicle, regardless of whether there has been an accident. To get this coverage, you must also secure comprehensive coverage.
  • Rental Reimbursement. If your car should become inoperable as the result of a covered loss, and you need to rent a car to get around, this coverage will pay for the rental car, up to your policy limits. To get this coverage, you must also carry comprehensive and collision coverage.

Which Coverage Limits Work Best for You?

The Hartford’s coverage guide can help you determine the right auto insurance coverage for your individual needs, in minutes.

Call 888-877-1255 to apply, get an auto insurance quote, or learn more, Monday through Friday, 8 a.m. to 11 p.m. Eastern Time.

Ways to Save

The Hartford gives you several ways to reduce your auto insurance rates:

  • Multi-Car Discount for two or more private passenger vehicles insured on your policy
  • Defensive Driver Credit for completing an approved defensive driver course
  • Multi-Line Discount for bundling homeowners' insurance with your auto coverage
  • Driver Training Credit for drivers under age 21 who successfully complete an approved driver training course
  • Good Student Driver Credit for each full-time student under the age of 25 who qualifies as a good student and who owns or operates a vehicle insured by The Hartford
  • Air Bags Discount for vehicles equipped with air bags
  • Anti-Theft Device Discount for having active or passive anti-theft devices on your car

Call 888-877-1255 to apply, get an auto insurance quote, or learn more, Monday through Friday, 8 a.m. to 11 p.m. Eastern Time.

Auto Insurance Categories

The Hartford can insure much more than just your everyday transportation. Policy options include:

  • Personal automobiles
  • Pickup trucks
  • Recreational vehicles
  • Travel trailers
  • Utility trailers
  • Motor homes

Call 888-877-1255 to apply, get an auto insurance quote, or learn more, Monday through Friday, 8 a.m. to 11 p.m. Eastern Time.

Features and Benefits*

With innovative auto insurance policy packages from The Hartford, you'll find a generous selection of standard features you won't find combined through most other carriers. Each makes it simple and hassle-free to secure auto insurance coverage for your vehicle:

  • No-Drop Promise. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.**
  • RecoverCare. Helps pay for the cost of home services, such as cleaning, cooking, yard work, shopping and transportation, if you're injured in an accident.
  • Lifetime Repair Guarantee. For covered repairs, we guarantee workmanship for as long as you lease or own your vehicle, when you choose to use a Hartford-certified shop.
  • 24/7 Claim Hotline. Claim professionals are available any time of the day or night.
  • Six-Point Claim Satisfaction Guarantee. Every one of our policies comes with this set of promises:
    • 24/7 claim service
    • Customer care specialists
    • Workmanship guarantee
    • Claim service expert for problem escalation
    • Prompt claim payment following agreement on amount of loss
    • Replacement cost coverage for new cars (below)
  • New Car Replacement. If you have a total loss of a new vehicle within 15 months or 15,000 miles after purchase, we'll pay the replacement cost for a new auto of the same model, make and equipment, with no depreciation deduction.

Call 888-877-1255 to apply, get an auto insurance quote, or learn more, Monday through Friday, 8 a.m. to 11 p.m. Eastern Time.

Additional Options

To complement your standard features, The Hartford also offers an attractive set of auto insurance coverage options for an additional cost. In the event of an accident, these could help you save a significant amount of money and aggravation. For example:

  • First Accident Forgiveness. Once you qualify for this benefit, if you have an accident, it will be forgiven, and your rates won't rise because of it.***
  • Disappearing Deductible. Keep a clean driving record, and we'll cut $150 off your collision deductible. For each additional year that you keep your good driving record, we'll reduce your deductible by another $50 until it reaches $0.***
  • Waiver of Deductible for a Not-At-Fault Accident. In most cases, if an accident is not your fault, you won't have to pay your deductible. We'll pay the full amount of covered damages, plus the deductible.
  • Waiver of $100 Deductible for Choosing an Approved Repair Shop. If you choose to take your car to a Hartford-authorized repair shop, we'll waive $100 off your deductible, and the workmanship for claim repairs will be guaranteed. ($100 waiver is not available in Arizona.)

To learn more about homeowners insurance from The Hartford click here.

Call 888-877-1255 to apply, get an auto insurance quote or learn more, Monday through Friday, 8 a.m. to 11 p.m. Eastern Time.

* Availability of package selections, benefit levels and features vary by state.

** Your policy will not be non-renewed as a result of the number of traffic convictions or accidents that you or any operator may have during the coverage period. Note: This assurance does not apply if you or any operator should be convicted of operating a vehicle under the influence of alcohol or drugs, if the operator’s driver’s license should be suspended, or if the operator fails to provide a physician’s certification of fitness to drive, if requested. Please see the endorsement for all applicable provisions.

*** Some benefits, such as First Accident Forgiveness and the Disappearing Deductible, are available only with the optional Sentinel Platinum or Advantage Plus package. To qualify for these benefits, all drivers on the policy must have a clean record (no accidents or violations) for five consecutive years (in most states). For the Disappearing Collision Deductible, these five years must include a period of three consecutive years as a policyholder in this Hartford auto insurance program, commencing after the effective date of the policy issued through this offer.





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