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The Hartford — HonestPolicy Grade

Overall: B (score 51.1/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all The Hartford underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Personal lines written largely through the AARP program. Do not confuse with AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT (a Travelers company) or NATIONAL FIRE INSURANCE COMPANY OF HARTFORD (a CNA company); see known_traps.

Automobile: B score 53.1/100 · composite relative index 0.88 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025853,5782,48015,044,7980.91[tx]0.3
TX Automobile2024255,2791,59414,898,9760.34[tx]0.12
CA Automobile20258121,1851,78628,998,8651.07[ca_auto]0.2
CA Automobile202412121,1851,38828,998,8652.07[ca_auto]0.12
CA Automobile20233121,18585728,998,8650.84[ca_auto]0.08
NY Automobile20244$191.9M629$18,428M0.61[ny]0.12
NY Automobile20235$160.8M445$16,202M1.13[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025HARTFORD FIRE INSURANCE COMPANY (NAIC 19682)242,3910.29 (TDI index)
TX · 2025HARTFORD ACCIDENT AND INDEMNITY COMPANY (NAIC 22357) (tiny book — below the credibility floor on its own)19126.66 (TDI index)
TX · 2025HARTFORD CASUALTY INSURANCE COMPANY (NAIC 29424) (tiny book — below the credibility floor on its own)0370.0 (TDI index)
TX · 2025HARTFORD INSURANCE COMPANY OF THE MIDWEST (NAIC 37478) (tiny book — below the credibility floor on its own)06420.0 (TDI index)
TX · 2025HARTFORD UNDERWRITERS INSURANCE COMPANY (NAIC 30104) (tiny book — below the credibility floor on its own)216573.59 (TDI index)
TX · 2025PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD (NAIC 34690) (tiny book — below the credibility floor on its own)0260.0 (TDI index)
TX · 2025SENTINEL INSURANCE COMPANY, LTD. (NAIC 11000) (tiny book — below the credibility floor on its own)39,3851.94 (TDI index)
TX · 2025TWIN CITY FIRE INSURANCE COMPANY (NAIC 29459) (tiny book — below the credibility floor on its own)0200.0 (TDI index)
TX · 2024HARTFORD FIRE INSURANCE COMPANY (NAIC 19682)145,3540.21 (TDI index)
TX · 2024HARTFORD ACCIDENT AND INDEMNITY COMPANY (NAIC 22357) (tiny book — below the credibility floor on its own)01,1440.0 (TDI index)
TX · 2024HARTFORD CASUALTY INSURANCE COMPANY (NAIC 29424) (tiny book — below the credibility floor on its own)0880.0 (TDI index)
TX · 2024HARTFORD INSURANCE COMPANY OF THE MIDWEST (NAIC 37478) (tiny book — below the credibility floor on its own)09760.0 (TDI index)
TX · 2024HARTFORD UNDERWRITERS INSURANCE COMPANY (NAIC 30104) (tiny book — below the credibility floor on its own)02080.0 (TDI index)
TX · 2024PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD (NAIC 34690) (tiny book — below the credibility floor on its own)0440.0 (TDI index)
TX · 2024SENTINEL INSURANCE COMPANY, LTD. (NAIC 11000) (tiny book — below the credibility floor on its own)07,4090.0 (TDI index)
TX · 2024TWIN CITY FIRE INSURANCE COMPANY (NAIC 29459) (tiny book — below the credibility floor on its own)156167.03 (TDI index)
CA · 2025/2024/2023HARTFORD UNDERWRITERS INSURANCE COMPANY (CDI rank 38)23 (3yr)121,1852025: 6.6, 2024: 10.1, 2023: 2.5 (per 100k)
NY · 2024Hartford Fire Insurance Company (NAIC 19682) (tiny book — below the credibility floor on its own)1 (upheld, of 4 total)$0.9M (premiums)1.104343937 (DFS ratio, rank 122)
NY · 2024Hartford Casualty Insurance Company (NAIC 29424)1 (upheld, of 6 total)$43.0M (premiums)0.023250255 (DFS ratio, rank 65)
NY · 2024Hartford Insurance Company of Illinois (NAIC 38288) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$17.8M (premiums)0.0 (DFS ratio, rank 12)
NY · 2024Hartford Insurance Company of the Midwest (NAIC 37478) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$5.4M (premiums)0.0 (DFS ratio, rank 26)
NY · 2024Hartford Underwriters Insurance Company (NAIC 30104)2 (upheld, of 47 total)$122.5M (premiums)0.016322215 (DFS ratio, rank 59)
NY · 2024Sentinel Insurance Company, Ltd. (NAIC 11000) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$2.2M (premiums)0.0 (DFS ratio, rank 43)
NY · 2023Hartford Casualty Insurance Company (NAIC 29424)0 (upheld, of 5 total)$34.4M (premiums)0.0 (DFS ratio, rank 6)
NY · 2023Hartford Insurance Company of Illinois (NAIC 38288) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$18.0M (premiums)0.0 (DFS ratio, rank 12)
NY · 2023Hartford Insurance Company of the Midwest (NAIC 37478) (tiny book — below the credibility floor on its own)1 (upheld, of 4 total)$5.9M (premiums)0.169131233 (DFS ratio, rank 114)
NY · 2023Hartford Underwriters Insurance Company (NAIC 30104)4 (upheld, of 29 total)$100.1M (premiums)0.039970026 (DFS ratio, rank 84)
NY · 2023Sentinel Insurance Company, Ltd. (NAIC 11000) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$2.3M (premiums)0.0 (DFS ratio, rank 48)

Homeowners: C score 49.1/100 · composite relative index 1.04 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners2025848,3351,1539,068,5181.30[tx]0.3
TX Homeowners2024439,6607339,050,7531.25[tx]0.12
CA Homeowners2025138,70150111,946,3010.62[ca_home]0.2
CA Homeowners2024438,7011,26511,946,3010.98[ca_home]0.12
CA Homeowners2023338,70167911,946,3011.36[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025HARTFORD FIRE INSURANCE COMPANY (NAIC 19682) (tiny book — below the credibility floor on its own)02190.0 (TDI index)
TX · 2025HARTFORD ACCIDENT AND INDEMNITY COMPANY (NAIC 22357)312,5121.89 (TDI index)
TX · 2025HARTFORD INSURANCE COMPANY OF THE SOUTHEAST (NAIC 38261)424,8921.26 (TDI index)
TX · 2025HARTFORD INSURANCE COMPANY OF THE MIDWEST (NAIC 37478) (tiny book — below the credibility floor on its own)010.0 (TDI index)
TX · 2025HARTFORD LLOYD'S INSURANCE COMPANY (NAIC 38253) (tiny book — below the credibility floor on its own)01,1930.0 (TDI index)
TX · 2025PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD (NAIC 34690) (tiny book — below the credibility floor on its own)14,2811.84 (TDI index)
TX · 2025SENTINEL INSURANCE COMPANY, LTD. (NAIC 11000) (tiny book — below the credibility floor on its own)05640.0 (TDI index)
TX · 2025TWIN CITY FIRE INSURANCE COMPANY (NAIC 29459) (tiny book — below the credibility floor on its own)04,6730.0 (TDI index)
TX · 2024HARTFORD FIRE INSURANCE COMPANY (NAIC 19682) (tiny book — below the credibility floor on its own)02120.0 (TDI index)
TX · 2024HARTFORD ACCIDENT AND INDEMNITY COMPANY (NAIC 22357) (tiny book — below the credibility floor on its own)29,0262.74 (TDI index)
TX · 2024HARTFORD INSURANCE COMPANY OF THE SOUTHEAST (NAIC 38261)120,4640.6 (TDI index)
TX · 2024HARTFORD INSURANCE COMPANY OF THE MIDWEST (NAIC 37478) (tiny book — below the credibility floor on its own)010.0 (TDI index)
TX · 2024HARTFORD LLOYD'S INSURANCE COMPANY (NAIC 38253) (tiny book — below the credibility floor on its own)01,4640.0 (TDI index)
TX · 2024PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD (NAIC 34690) (tiny book — below the credibility floor on its own)15,2122.38 (TDI index)
TX · 2024SENTINEL INSURANCE COMPANY, LTD. (NAIC 11000) (tiny book — below the credibility floor on its own)06430.0 (TDI index)
TX · 2024TWIN CITY FIRE INSURANCE COMPANY (NAIC 29459) (tiny book — below the credibility floor on its own)02,6380.0 (TDI index)
CA · 2025/2024/2023PROPERTY AND CASUALTY I NS CO OF HARTFORD (CDI rank 27)8 (3yr)38,7012025: 2.6, 2024: 9.2, 2023: 6.5 (per 100k)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).