This Hartford Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaints for the subsidiary companies of The Hartford Insurance Group, to determine whether each subsidiary, such as Hartford Insurance Company of the Midwest or Sentinel Insurance Company LTD, has a better-than-average, average, or worse-than-average customer complaint record.
I’ll look at increases & decreases in market share (as measured by annual written premiums) for each Hartford subsidiary, and Hartford’s JD Power ratings for auto & homeowners insurance pricing, as possible indications of competitive insurance rates for you. I’ll review the AM Best Financial Strength Rating (FSR) for the Hartford subsidiaries, too.
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Hartford Insurance Review
The Hartford Insurance Group is the 11th largest auto & home insurer in the United States, according to AM Best. The Hartford sells auto & home insurance direct from the company, and through independent insurance agencies located in communities throughout the USA. Hartford is well-known for its AARP auto & homeowners insurance program, offering discounted insurance rates for members of AARP, which anyone 50 years old or older can join. Discounted rates may be available for buying direct from the company, instead of purchasing through an independent insurance agent.
This Hartford Insurance Group review is divided into four sections, consisting of: 1. AM Best Financial Strength Ratings for the Hartford insurance companies 2. the auto insurance customer complaint records for the Hartford subsidiaries, 3. the homeowners insurance customer complaint records for the Hartford subsidiaries, and 4. the competitiveness of Hartford auto & home insurance rates compared to other major auto & home insurance companies.
1. AM Best Financial Strength Ratings for the Hartford Insurance Companies
The Hartford Insurance subsidiary companies included in this review had their AM Best Financial Strength Ratings upgraded from A (Excellent) to A+ (Superior), with a stable outlook (no ratings upgrade or downgrade is expected in the near future) on 05/01/2015. A+ is the second highest rating for AM Best.
I become concerned with any automobile, homeowners, or life insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Hartford companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have higher or lower financial strength ratings than the Hartford companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
Hartford Auto & Homeowners Insurance Complaint Record 2009-2014
You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.
A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.
Sections #2 & #3 of this review will show you if Hartford auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Hartford, or a competitor, like State Farm, Safeco, or Amica, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
The complaint statistics, called complaint ratios, used in this Hartford Insurance review are the number of upheld complaints filed against each of the Hartford companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the Hartford insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Hartford has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
2. Hartford Auto Insurance Complaint Statistics & Ratings
Hartford auto insurance complaint record considering all subsidiaries:
Worse than average
The Hartford has twelve subsidiary companies insuring private passenger vehicles in the states where the company sells auto insurance. The use of more than one auto insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents) or affinity groups (like AARP), operate in a certain US state or group of states, or offer different lines of insurance, such as motorhome / RV or motorcycle insurance. Different subsidiaries can also be used for different sales distribution methods, such as The Hartford selling direct from the company, or through independent insurance agents. Each subsidiary has its own rates, so the price you are quoted will vary, if you are eligible and receive quotes for multiple Hartford subsidiaries.
Here is the auto insurance complaint data & change in auto insurance market share for each Hartford subsidiary insuring autos in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.63)
2015 US auto insurance premium = $132,646,162
2014 Auto Insurance Complaint Ratio = W (1.43)
2014 US auto insurance premium = $125,445,890
2013 Auto Insurance Complaint Ratio = W (1.82)
2013 US auto insurance premium = $108,170,469
2012 Auto Insurance Complaint Ratio = W (2.42)
2012 US auto insurance premium = $93,355,925
2011 Auto Insurance Complaint Ratio = W (1.30)
2011 US auto insurance premium = $78,547,992
2010 Auto Insurance Complaint Ratio = W (1.39)
2010 US auto insurance premium = $66,792,218
2009 Auto Insurance Complaint Ratio = W (3.15)
The Hartford Accident & Indemnity Company subsidiary has a worse-than-average auto insurance complaint history each year from 2009 to 2014, with its number of auto insurance complaints in its worst year during this period, at 315% of the industry average. The auto insurance market share for Hartford Accident & Indemnity Company has increased each year since 2010, which may be an indication of competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.67)
2015 US auto insurance premium = $197,848,502
2014 Auto Insurance Complaint Ratio = W (1.75)
2014 US auto insurance premium = $199,145,293
2013 Auto Insurance Complaint Ratio = C (1.04)
2013 US auto insurance premium = $190,011,467
2012 Auto Insurance Complaint Ratio = W (1.39)
2012 US auto insurance premium = $182,209,901
2011 Auto Insurance Complaint Ratio = W (1.48)
2011 US auto insurance premium = $155,388,129
2010 Auto Insurance Complaint Ratio = W (1.45)
2010 US auto insurance premium = $133,805,998
2009 Auto Insurance Complaint Ratio = W (3.34)
The Hartford Casualty Insurance Company subsidiary has a higher than average number of auto insurance complaints each year since 2009, with its number of auto insurance complaints in 2014 at 75% more than the industry average. The auto insurance market share for Hartford Casualty Insurance Company has increased each year since 2010, which may be an indication of competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (3.23) 7
2015 US auto insurance premium = $24,718,192
2014 Auto Insurance Complaint Ratio = W (3.51)
2014 US auto insurance premium = $24,097,705
2013 Auto Insurance Complaint Ratio = W (3.63)
2013 US auto insurance premium = $24,117,809
2012 Auto Insurance Complaint Ratio = W (3.52)
2012 US auto insurance premium = $25,743,111
2011 Auto Insurance Complaint Ratio = W (3.49)
2011 US auto insurance premium = $29,265,261
2010 Auto Insurance Complaint Ratio = W (3.02)
2010 US auto insurance premium = $33,612,593
2009 Auto Insurance Complaint Ratio = W (3.88)
The Hartford Fire Insurance Company subsidiary has a worse-than-average auto insurance complaint history each year since 2009, with its number of auto insurance complaints in 2014 at 351% of the industry average. The auto insurance market share for Hartford Fire Insurance Company has decreased each year since 2010, which may indicate it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $48,961,154
2014 Auto Insurance Complaint Ratio = C+ (.75)
2014 US auto insurance premium = $56,620,746
2013 Auto Insurance Complaint Ratio = B (.34)
2013 US auto insurance premium = $64,799,142
2012 Auto Insurance Complaint Ratio = B (.37)
2012 US auto insurance premium = $72,814,042
2011 Auto Insurance Complaint Ratio = B (.42)
2011 US auto insurance premium = $81,636,702
2010 Auto Insurance Complaint Ratio = B (.72)
2010 US auto insurance premium = $93,949,904
2009 Auto Insurance Complaint Ratio = B (.39)
The Hartford Insurance Company of Illinois subsidiary has a lower than average number of auto insurance complaints each year since 2009, with its number of auto insurance complaints in its worst year during this period, at 75% of the industry average. The auto insurance market share for Hartford Fire Insurance Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (1.14)
2015 US auto insurance premium = $269,277,514
2014 Auto Insurance Complaint Ratio = C (1.02)
2014 US auto insurance premium = $279,393,566
2013 Auto Insurance Complaint Ratio = C+ (.75)
2013 US auto insurance premium = $292,963,842
2012 Auto Insurance Complaint Ratio = C- (1.07)
2012 US auto insurance premium = $305,849,332
2011 Auto Insurance Complaint Ratio = C (.97)
2011 US auto insurance premium = $332,080,722
2010 Auto Insurance Complaint Ratio = W (1.56)
2010 US auto insurance premium = $380,849,546
2009 Auto Insurance Complaint Ratio = W (1.31)
The Hartford Insurance Company of the Midwest subsidiary has an about average number of auto insurance complaints in the most recent four of the last six years, with its number of auto insurance complaints in its worst year (2010) during the six-year period, at 56% more than the industry average. The auto insurance market share for Hartford Insurance Company of the Midwest has decreased each year since 2010, which may indicate it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.56)
2015 US auto insurance premium = $82,043,410
2014 Auto Insurance Complaint Ratio = C- (1.19)
2014 US auto insurance premium = $62,222,926
2013 Auto Insurance Complaint Ratio = B (.24)
2013 US auto insurance premium = $45,768,062
2012 Auto Insurance Complaint Ratio = B (.49)
2012 US auto insurance premium = $36,984,335
2011 Auto Insurance Complaint Ratio = B (.26)
2011 US auto insurance premium = $32,779,845
2010 Auto Insurance Complaint Ratio = C+ (.81)
2010 US auto insurance premium = $31,203,688
2009 Auto Insurance Complaint Ratio = W (1.88)
The Hartford Insurance Company of the Southeast subsidiary has a lower than average number of auto insurance complaints in four of the most recent five years, but its number of auto insurance complaints in 2014 was 19% more than the industry average. The auto insurance market share for Hartford Insurance Company of the Southeast has increased each year since 2010, which may be an indication of competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C- (1.22)
2015 US auto insurance premium = $562,264,784
2014 Auto Insurance Complaint Ratio = C+ (.94)
2014 US auto insurance premium = $549,335,304
2013 Auto Insurance Complaint Ratio = C+ (.94)
2013 US auto insurance premium = $546,816,744
2012 Auto Insurance Complaint Ratio = C (.99)
2012 US auto insurance premium = $532,638,247
2011 Auto Insurance Complaint Ratio = C+ (.79)
2011 US auto insurance premium = $538,479,796
2010 Auto Insurance Complaint Ratio = W (1.29)
2010 US auto insurance premium = $556,057,060
2009 Auto Insurance Complaint Ratio = W (1.55)
The Hartford Underwriters Insurance Company subsidiary has an about average number of auto insurance complaints in the most recent three of the last six years, with a higher than average number of auto insurance complaints in 2009 & 2010. Its number of auto insurance complaints in its worst year (2009) during the six year period was 55% more than the industry average. The auto insurance market share for Hartford Underwriters Insurance Company increased each year since 2012, which may be an indication it now has more competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $2,771,062
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $2,456,701
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $2,165,691
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $1,847,878
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $1,028,555
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $774,477
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
The Pacific Insurance Company LTD is an extremely small Hartford auto insurance subsidiary, but it had no auto insurance complaints in the last six years. The auto insurance market share for Pacific Insurance Company LTD has increased each year since 2010, which may be an indication of competitive pricing for its auto insurance. However, since its market share is so small, it may not be available to many auto insurance shoppers.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C+ (.77)
2015 US auto insurance premium = $250,260,088
2014 Auto Insurance Complaint Ratio = C (1.06)
2014 US auto insurance premium = $279,306,274
2013 Auto Insurance Complaint Ratio = C+ (.80)
2013 US auto insurance premium = $315,015,594
2012 Auto Insurance Complaint Ratio = C (.98)
2012 US auto insurance premium = $361,020,362
2011 Auto Insurance Complaint Ratio = C- (1.16)
2011 US auto insurance premium = $411,273,673
2010 Auto Insurance Complaint Ratio = W (1.36)
2010 US auto insurance premium = $477,734,217
2009 Auto Insurance Complaint Ratio = W (1.53)
The Property & Casualty Insurance Company of Hartford subsidiary has an about average number of auto insurance complaints in the most recent four of the last six years, with its number of auto insurance complaints in 2014 at only 6% more than the industry average. Although the auto insurance complaint ratio for Property & Casualty Insurance Company of Hartford has improved since 2001, I’d prefer to see a consistent better than average number of auto insurance complaints in each of the most recent years or longer. The auto insurance market share for Property & Casualty Insurance Company of Hartford has decreased a great deal each year since 2010, which may be an indication it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.90)
2015 US auto insurance premium = $90,038,959
2014 Auto Insurance Complaint Ratio = W (1.58)
2014 US auto insurance premium = $100,634,011
2013 Auto Insurance Complaint Ratio = C- (1.14)
2013 US auto insurance premium = $115,283,173
2012 Auto Insurance Complaint Ratio = B (.70)
2012 US auto insurance premium = $141,788,798
2011 Auto Insurance Complaint Ratio = W (1.56)
2011 US auto insurance premium = $185,346,528
2010 Auto Insurance Complaint Ratio = W (1.37)
2010 US auto insurance premium = $260,245,472
2009 Auto Insurance Complaint Ratio = C- (1.23)
The Sentinel Insurance Company LTD subsidiary has a higher than average number of auto insurance complaints in five of the last six years, with its number of auto insurance complaints in its worst year during the period (2014), at 58% more than the industry average. The auto insurance market share for Sentinel Insurance Company LTD has decreased greatly each year since 2010, which may be an indication it does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (1.03)
2015 US auto insurance premium = $617,241,503
2014 Auto Insurance Complaint Ratio = C+ (.79)
2014 US auto insurance premium = $533,402,420
2013 Auto Insurance Complaint Ratio = C+ (.91)
2013 US auto insurance premium = $443,545,696
2012 Auto Insurance Complaint Ratio = C+ (.83)
2012 US auto insurance premium = $361,205,714
2011 Auto Insurance Complaint Ratio = C- (1.23)
2011 US auto insurance premium = $311,664,910
2010 Auto Insurance Complaint Ratio = W (1.26)
2010 US auto insurance premium = $281,923,251
2009 Auto Insurance Complaint Ratio = C- (1.07)
The Trumbull Insurance Company subsidiary has a lower than average number of auto insurance complaints in the most recent three of the last six years, with its number of auto insurance complaints in its most recent worst year (2011) at 23% more than the industry average. The auto insurance market share for Trumbull Insurance Company has increased greatly each year since 2010, which may be a strong indication of competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (.90)
2015 US auto insurance premium = $214,274,358
2014 Auto Insurance Complaint Ratio = C+ (.89)
2014 US auto insurance premium = $214,062,522
2013 Auto Insurance Complaint Ratio = B (.60)
2013 US auto insurance premium = $201,343,423
2012 Auto Insurance Complaint Ratio = C+ (.82)
2012 US auto insurance premium = $188,537,077
2011 Auto Insurance Complaint Ratio = W (1.35)
2011 US auto insurance premium = $189,894,334
2010 Auto Insurance Complaint Ratio = W (1.86)
2010 US auto insurance premium = $200,183,019
2009 Auto Insurance Complaint Ratio = C- (1.07)
The Twin City Fire Insurance Company subsidiary has a lower than average number of auto insurance complaints each year in 2012, 2013, and 2014, and its number of auto insurance complaints in its worst most recent year (2011) was 35% more than the industry average. The auto insurance market share for Twin City Fire Insurance Company has increased each year since 2012, which may indicate Twin City Fire Insurance Company now has more competitive pricing for its auto insurance.
3. Hartford Home Insurance Complaint Statistics & Ratings
Hartford home insurance complaint record considering all subsidiaries:
Average
Hartford Insurance Group sells home insurance through the twelve subsidiary companies listed below. As with auto insurance, the existence of more than one residential property insurance subsidiary company is usually to offer different pricing to specific risk profiles or affinity groups (like AARP), operate in a certain US state or group of states, or offer different lines of insurance, such as travel trailer or mobile home insurance. Different subsidiaries can also be used for different sales distribution methods, such as The Hartford selling direct from the company, or through independent insurance agents. Each subsidiary has its own rates, so the price you are quoted will vary, if you are eligible and receive quotes for multiple Hartford subsidiaries.
Here is the home insurance (homeowners, condo, mobile home, & renters) complaint data & change in home insurance market share for each Hartford subsidiary insuring homes in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.80) 8
2015 US home insurance premium = $44,220,688
2014 Home Insurance Complaint Ratio = B (.61)
2014 US home insurance premium = $46,670,030
2013 Home Insurance Complaint Ratio = W (1.92)
2013 US home insurance premium = $40,648,459
2012 Home Insurance Complaint Ratio = B (.52)
2012 US home insurance premium = $31,611,766
2011 Home Insurance Complaint Ratio = C- (1.11)
2011 US home insurance premium = $21,973,200
2010 Home Insurance Complaint Ratio = C+ (.86)
2010 US home insurance premium = $21,251,868
2009 Home Insurance Complaint Ratio = C- (1.16)
The Hartford Accident & Indemnity Company subsidiary has an inconsistent home insurance complaint history over the last six years, with its number of home insurance complaints in 2013 well above average, its number of home insurance complaints in 2009 & 2011 slightly above average, and its number of home insurance complaints in 2010, 2012, & 2014 below average. The home insurance market share for Hartford Accident & Indemnity Company has increased each year since 2010, which may be an indication of competitive pricing or advantages for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (2.43)
2015 US home insurance premium = $49,269,930
2014 Home Insurance Complaint Ratio = W (2.55)
2014 US home insurance premium = $52,060,999
2013 Home Insurance Complaint Ratio = W (1.86)
2013 US home insurance premium = $53,839,812
2012 Home Insurance Complaint Ratio = W (2.88)
2012 US home insurance premium = $54,304,256
2011 Home Insurance Complaint Ratio = W (1.84)
2011 US home insurance premium = $57,282,625
2010 Home Insurance Complaint Ratio = W (3.21)
2010 US home insurance premium = $62,485,514
2009 Home Insurance Complaint Ratio = W (1.38)
The Hartford Casualty Insurance Company subsidiary has a worse-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period at 321% of the industry average. The home insurance market share for Hartford Casualty Insurance Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (1.00)
2015 US home insurance premium = $9,960,910
2014 Home Insurance Complaint Ratio = W (2.86)
2014 US home insurance premium = $9,928,415
2013 Home Insurance Complaint Ratio = W (6.02)
2013 US home insurance premium = $9,252,211
2012 Home Insurance Complaint Ratio = W (6.89)
2012 US home insurance premium = $9,551,998
2011 Home Insurance Complaint Ratio = W (5.92)
2011 US home insurance premium = $9,600,237
2010 Home Insurance Complaint Ratio = W (7.02)
2010 US home insurance premium = $14,256,247
2009 Home Insurance Complaint Ratio = W (5.20)
The Hartford Fire Insurance Company is a subsidiary with very little home insurance market share. Hartford Fire Insurance Company has a worse-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at 702% of the industry average. Although one or two complaints can result in high complaint ratios when a subsidiary has very little market share, this is not the case with Hartford Fire Insurance Company. The home insurance market share for Hartford Casualty Insurance Company has remained flat since 2011, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $11,106,092
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $10,550,146
2013 Home Insurance Complaint Ratio = W (2.23)
2013 US home insurance premium = $10,013,853
2012 Home Insurance Complaint Ratio = W (2.44)
2012 US home insurance premium = $10,120,232
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $11,005,191
2010 Home Insurance Complaint Ratio = W (3.65)
2010 US home insurance premium = $12,464,000
2009 Home Insurance Complaint Ratio = B (.64)
The Hartford Insurance Company of Illinois is another Hartford subsidiary with a small amount of home insurance market share. Hartford Insurance Company of Illinois has an inconsistent home insurance complaint history over the last six years, with worse-than-average home insurance complaint ratios in 2010, 2012, & 2013, and better-than-average home insurance complaint ratios in 2009, 2011 & 2014. I prefer companies with a consistent history of better-than-average complaint ratios. Although one or two complaints can result in high complaint ratios when the subsidiary has very little market share, this is not the case with Hartford Insurance Company of Illinois. The home insurance market share for Hartford Insurance Company of Illinois has remained flat since 2012, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C+ (.76)
2015 US home insurance premium = $169,492,196
2014 Home Insurance Complaint Ratio = W (1.33)
2014 US home insurance premium = $184,935,565
2013 Home Insurance Complaint Ratio = C- (1.17)
2013 US home insurance premium = $200,389,692
2012 Home Insurance Complaint Ratio = W (1.67)
2012 US home insurance premium = $212,252,039
2011 Home Insurance Complaint Ratio = W (1.83)
2011 US home insurance premium = $221,262,281
2010 Home Insurance Complaint Ratio = W (1.69)
2010 US home insurance premium = $232,260,267
2009 Home Insurance Complaint Ratio = C- (1.23)
The Hartford Insurance Company of the Midwest subsidiary has a higher than average number of home insurance complaints each year since 2009, with its number of home insurance complaints in its worst year (2011) during this period at 83% more than the industry average. The home insurance market share for Hartford Insurance Company of the Midwest has decreased each year since 2010, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (.92)
2015 US home insurance premium = $10,815,112
2014 Home Insurance Complaint Ratio = W (2.35)
2014 US home insurance premium = $8,049,653
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $4,863,776
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $2,316,582
2011 Home Insurance Complaint Ratio = W (6.91)
2011 US home insurance premium = $1,173,988
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $1,369,671
2009 Home Insurance Complaint Ratio = W (10.90)
The Hartford Insurance Company of the Southeast is another Hartford subsidiary with a small amount of home insurance market share. Hartford Insurance Company of the Southeast has an inconsistent home insurance complaint history over the last six years, with worse-than-average home insurance complaint ratios in 2009, 2011 & 2014, and better-than-average home insurance complaint ratios in 2010, 2012, & 2013. One or two complaints can result in very high complaint ratios, when a subsidiary has very little market share. This is the case with Hartford Insurance Company of the Southeast, where one home insurance complaint in 2011 and two complaints in 2014, gave it a home insurance complaint ratio of 6.91 and 2.35 respectively. The home insurance market share for Hartford Insurance Company of the Southeast has increased each year since 2010, which may be an indication of competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (1.09)
2015 US home insurance premium = $137,212,833
2014 Home Insurance Complaint Ratio = C (1.06)
2014 US home insurance premium = $142,833,937
2013 Home Insurance Complaint Ratio = C (.92)
2013 US home insurance premium = $144,713,922
2012 Home Insurance Complaint Ratio = C (.88)
2012 US home insurance premium = $149,885,637
2011 Home Insurance Complaint Ratio = W (1.62)
2011 US home insurance premium = $155,558,110
2010 Home Insurance Complaint Ratio = W (1.90)
2010 US home insurance premium = $162,941,715
2009 Home Insurance Complaint Ratio = C (.97)
The Hartford Underwriters Insurance Company subsidiary has an about average home insurance complaint history in the most recent three of the last six years, with worse-than-average home insurance complaint ratios in 2010 & 2011. I prefer insurance companies with consistent better-than-average complaint ratios. The home insurance market share for Hartford Underwriters Insurance Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $11,640,393
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $13,007,204
2013 Home Insurance Complaint Ratio = C+ (.77)
2013 US home insurance premium = $14,441,308
2012 Home Insurance Complaint Ratio = B (.53)
2012 US home insurance premium = $15,640,642
2011 Home Insurance Complaint Ratio = B (.45)
2011 US home insurance premium = $17,988,704
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $21,637,358
2009 Home Insurance Complaint Ratio = W (1.36)
Hartford Lloyd’s Insurance Company is available in Texas only.
The Hartford Lloyd’s Insurance Company subsidiary has a lower than average number of home insurance complaints each year from 2010 to 2014. In its worse recent year of 2013, its number of home insurance complaints was 77% of the industry average. The home insurance market share for Hartford Lloyd’s Insurance Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (.88)
2015 US home insurance premium = $341,177,901
2014 Home Insurance Complaint Ratio = B (.69)
2014 US home insurance premium = $358,220,056
2013 Home Insurance Complaint Ratio = C (1.02)
2013 US home insurance premium = $372,991,160
2012 Home Insurance Complaint Ratio = C (1.07)
2012 US home insurance premium = $383,974,969
2011 Home Insurance Complaint Ratio = W (1.49)
2011 US home insurance premium = $403,345,889
2010 Home Insurance Complaint Ratio = C- (1.19)
2010 US home insurance premium = $389,241,370
2009 Home Insurance Complaint Ratio = C- (1.16)
Property & Casualty Insurance Company of Hartford is the largest Hartford home insurance subsidiary. Property & Casualty Insurance Company of Hartford has an about average number of home insurance complaints each year in 2012 & 2013, but its number of home insurance complaints in 2014 was only 69% of the industry average. The home insurance market share for Property & Casualty Insurance Company of Hartford has decreased each year since 2011, which may be an indication it does no longer has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C+ (.77)
2015 US home insurance premium = $116,282,254
2014 Home Insurance Complaint Ratio = B (.73)
2014 US home insurance premium = $130,236,420
2013 Home Insurance Complaint Ratio = B (.64)
2013 US home insurance premium = $140,309,246
2012 Home Insurance Complaint Ratio = C+ (.76)
2012 US home insurance premium = $150,968,497
2011 Home Insurance Complaint Ratio = W (1.32)
2011 US home insurance premium = $171,924,996
2010 Home Insurance Complaint Ratio = C (.97)
2010 US home insurance premium = $187,685,029
2009 Home Insurance Complaint Ratio = C (1.04)
The Sentinel Insurance Company LTD subsidiary has a lower than average number of home insurance complaints each year in 2012, 2013, and 2014, but had a higher than average home insurance complaint ratio in 2011. Although the home insurance complaint statistics are improving for Sentinel, I prefer insurance companies with consistent better-than-average complaint ratios. The home insurance market share for Sentinel Insurance Company LTD has decreased a lot each year since 2010, which may be an indication Sentinel does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.64)
2015 US home insurance premium = $216,682,395
2014 Home Insurance Complaint Ratio = B (.68)
2014 US home insurance premium = $168,145,465
2013 Home Insurance Complaint Ratio = C- (1.06)
2013 US home insurance premium = $115,775,266
2012 Home Insurance Complaint Ratio = B (.69)
2012 US home insurance premium = $59,673,668
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $11,777,677
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $197,101
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
The fast-growing Hartford home insurance subsidiary, Trumbull Insurance Company, had no home insurance complaints from 2009 to 2011, and a somewhat better than average to average home insurance complaint record each year since 2012. Its number of home insurance complaints in its worst year during the six year period (2013) is only 6% more than the industry average. The home insurance market share for Trumbull Insurance Company increased a great deal each year since 2010, which may be a strong indication of competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.65)
2015 US home insurance premium = $46,180,654
2014 Home Insurance Complaint Ratio = C- (1.21)
2014 US home insurance premium = $46,837,325
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $37,729,980
2012 Home Insurance Complaint Ratio = C+ (.88)
2012 US home insurance premium = $27,885,610
2011 Home Insurance Complaint Ratio = W (1.95)
2011 US home insurance premium = $20,801,052
2010 Home Insurance Complaint Ratio = W (2.79)
2010 US home insurance premium = $22,844,641
2009 Home Insurance Complaint Ratio = W (1.61)
The Twin City Fire Insurance Company subsidiary has a higher than average number of home insurance complaints in four of the last six years, with its number of home insurance complaints in 2014 at 21% more than the industry average. The home insurance market share for Twin City Fire Insurance Company increased each year since 2011, which may be an indication of competitive pricing for its home insurance.
4. Hartford Auto & Home Insurance Rates & Pricing Compared to Competitors
Homeowners Insurance
Hartford received a rating of four power circles (better than most) for homeowners insurance pricing in the national 2014 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies also rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2014 JD Power Homeowners Insurance Satisfaction study: Auto-Owners, Amica, Automobile Club of Southern California, Erie, Mercury, and GEICO.
Auto Insurance
In the 2015 JD Power Auto Insurance Customer Satisfaction study, for the category of auto insurance pricing, which reflects the opinion of current Hartford policyholders about the auto insurance rates they pay:
Hartford received the second highest rating of 4 power circles (better than most) in the states of Arkansas, California, Delaware, District of Columbia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, New Jersey, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Virginia, Washington, West Virginia, Wisconsin, & Wyoming.
Hartford received the rating of three power circles (about average) in the states of Arizona, Colorado, Connecticut, Florida, Maine, Massachusetts, Nevada, New Hampshire, New Mexico, Rhode Island, Utah, and Vermont.
Hartford received the lowest rating of two power circles in NY.
Hartford was not rated in the regional studies covering these states: AL, GA, KY, LA, MS, NC, SC, TN, & TX.
The following companies also rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in the some of the same states where Hartford was rated: USAA, Erie, GEICO, Grange, COUNTRY, Esurance, Wawanesa, Ameriprise, Auto Club of Southern California, Auto-Owners, Indiana Farm Bureau, Shelter, Progressive, PEMCO, Metlife (Florida only).
The Hartford received the top rating of five power circles (among the best) for the category of Pricing in the 2016 JD Power U.S. Auto Insurance Purchase Experience Study, which reflects the opinion of auto insurance shoppers about the rates they were quoted by Hartford. The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2016 JD Power Auto Insurance Purchase Experience Study: USAA, Erie, Liberty Mutual, American Family, Automobile Club Group, Travelers, Ameriprise, CSAA Insurance Group, and Mercury.
However, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.