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Auto Insurance

The value of auto insurance goes beyond replacing or repairing your vehicle if it’s damaged. It’s about limiting inconvenience and interruptions to your life. Auto insurance 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 against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
  • Property Damage Liability. Covers you against financial loss if you are found liable for damage to other people’s property, such as light poles, fences or another vehicle, caused by your auto.
  • Uninsured Motorist Bodily Injury. 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, or if you're struck by a “hit-and-run” driver whom you cannot identify.
  • Uninsured Motorist Property Damage. 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. Available in a limited number of states.
  • Underinsured Motorists. This coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.
  • Personal Injury Protection (No-Fault). Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car, or to any other property. Coverage is provided on a per-person, per-occurrence basis.
  • Medical Payments. This coverage pays reasonable and necessary medical expenses up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.
  • Collision. Pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. “Collision” means contact with a physical object, such as another vehicle or a structure. If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. Collision coverage is available only if you carry Comprehensive coverage. In addition, Collision is often required when your car is financed or leased.
  • Comprehensive. Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail. If you plan to purchase Comprehensive coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. Comprehensive is often required when your car is financed or leased.
  • Full Glass. Pays the amount of a covered glass loss with no deductible. This coverage is optional and can be purchased for an additional premium.
  • Towing and Labor. Pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)
  • Rental Reimbursement. If your car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits. This coverage is available only if you carry Comprehensive and Collision coverage.

Which Coverage Limits Work Best for You?

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

Call 1-888-877-1255 to apply or learn more. Monday through Friday, 8:00 a.m. to 11:00 p.m. Eastern Time

Ways to Save

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

  • 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 1-888-877-1255 to apply or learn more. Monday through Friday, 8:00 a.m. to 11:00 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 1-888-877-1255 to apply or learn more. Monday through Friday, 8:00 a.m. to 11:00 p.m. Eastern Time

Features and Benefits*

With innovative 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 insure your auto:

  • 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 cooking, cleaning, shopping, transportation and yard work, if you're injured in an accident.
  • Lifetime Repair Guarantee. We guarantee the workmanship on covered repairs for as long as you own or lease 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 car within the first 15 months or 15,000 miles after purchase, we'll pay the replacement cost of a new vehicle—the same make, model and equipment—with no deduction for depreciation.

Call 1-888-877-1255 to apply. Monday through Friday, 8:00 a.m. to 11:00 p.m. Eastern Time

Additional Options

To complement your standard features, The Hartford also offers an attractive set of 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. It won't count against you, and your rates won't go up because of it.***
  • Disappearing Deductible. Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record — 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 and the deductible as well.
  • $100 Deductible Waiver for Choosing to Use an Approved Repair Shop. If you choose to take your car to one of our authorized repair shops, we'll waive $100 of your deductible, and you'll receive a guarantee on the workmanship of claim repairs. ($100 waiver not available in Arizona.)

Call 1-888-877-1255 to apply. Monday through Friday, 8:00 a.m. to 11:00 p.m. Eastern Time

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

** 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, if requested, a physician’s certification of fitness to drive. PLEASE SEE ENDORSEMENT FOR ALL PROVISIONS.

*** Some benefits, including First Accident Forgiveness and the Disappearing Deductible are only available with the optional Sentinel Platinum or Advantage Plus package. To qualify for these two 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.

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