AUTOMOBILE B 0.88
HOMEOWNERS C 1.04
Carrier record · NAIC group 91 · 2024 market-share rank 13 of 25
The Hartford
The Hartford drew complaints at somewhat below the market-average rate in automobile (grade B) and at about the market rate in homeowners (grade C), with the homeowners record varying by state — above average in Texas, below average in California.
HonestPolicy earns: nothing on this carrier.
Record note
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 · COMPOSITE RELATIVE INDEX 0.88 · SCORE 53.1 · 7 SIGNALS
Across the covered records, this line drew about 12% fewer complaints than its market share would predict (fewer complaints than the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · CA · CDI
California Dept. of Insurance — 2026 Consumer Complaint Study, Automobile composite. insurance.ca.gov · retrieved 2026-07-10. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
Source · NY · DFS
New York State Dept. of Financial Services — Automobile Insurance Company Complaint Rankings. Open Data NY, dataset h2wd-9xfe. data.ny.gov · retrieved 2026-07-10. Upheld complaints per $1M premium as calculated by DFS.
Caveat · CA exposure mix
* CDI publishes exposure counts only for the latest study year; prior-year indices reuse the 2025 exposure mix for both group and market. Disclosed per signal in the source record.
Caveat · NY premium base
The NY exposure base is premium dollars, not policy counts, so NY indices are not exactly comparable to TX/CA bases. NY carries the lowest weights partly for this reason.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| CA · CDI | 2025 | 8 | 121,185 | earned exposures | 1.07 | 0.20 |
| CA · CDI | 2024 | 12 | 121,185* | earned exposures | 2.07 | 0.12 |
| CA · CDI | 2023 | 3 | 121,185* | earned exposures | 0.84 | 0.08 |
| NY · DFS | 2024 | 4 | 191.9 | premiums written ($M) | 0.61 | 0.12 |
| NY · DFS | 2023 | 5 | 160.8 | premiums written ($M) | 1.13 | 0.06 |
| TX · TDI | 2025 | 8 | 53,578 | policies in force | 0.91 | 0.30 |
| TX · TDI | 2024 | 2 | 55,279 | policies in force | 0.34 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume. * exposure figure reuses the 2025 CDI exposure mix (see caveat).
Member companies aggregated — automobile
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 19682 | HARTFORD FIRE INSURANCE COMPANY | 2 | 42,391 | 0.29 |
| 22357 | HARTFORD ACCIDENT AND INDEMNITY COMPANY † | 1 | 912 | 6.66 |
| 29424 | HARTFORD CASUALTY INSURANCE COMPANY † | 0 | 37 | 0.00 |
| 37478 | HARTFORD INSURANCE COMPANY OF THE MIDWEST † | 0 | 642 | 0.00 |
| 30104 | HARTFORD UNDERWRITERS INSURANCE COMPANY † | 2 | 165 | 73.59 |
| 34690 | PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD † | 0 | 26 | 0.00 |
| 11000 | SENTINEL INSURANCE COMPANY, LTD. † | 3 | 9,385 | 1.94 |
| 29459 | TWIN CITY FIRE INSURANCE COMPANY † | 0 | 20 | 0.00 |
California · CDI · 2026 study (2023–2025)
| Company | CDI rank | Approx. exposures | Justified complaints ’25/’24/’23 | Ratio per 100k ’25/’24/’23 |
|---|---|---|---|---|
| HARTFORD UNDERWRITERS INSURANCE COMPANY | 38 | 121,185 | 8 / 12 / 3 | 6.6 / 10.1 / 2.5 |
New York · DFS · filing year 2024
| NAIC | Company | Upheld | Total | Premiums $M | DFS ratio | Rank |
|---|---|---|---|---|---|---|
| 19682 | Hartford Fire Insurance Company † | 1 | 4 | 0.9 | 1.1043 | 122 |
| 29424 | Hartford Casualty Insurance Company | 1 | 6 | 43.0 | 0.0233 | 65 |
| 38288 | Hartford Insurance Company of Illinois † | 0 | 3 | 17.8 | 0.0000 | 12 |
| 37478 | Hartford Insurance Company of the Midwest † | 0 | 3 | 5.4 | 0.0000 | 26 |
| 30104 | Hartford Underwriters Insurance Company | 2 | 47 | 122.5 | 0.0163 | 59 |
| 11000 | Sentinel Insurance Company, Ltd. † | 0 | 0 | 2.2 | 0.0000 | 43 |
† Exposure base below the credibility floor on its own; the floor is applied to the aggregated group signal, not to individual members.
Homeowners
C · COMPOSITE RELATIVE INDEX 1.04 · SCORE 49.1 · 5 SIGNALS
Across the covered records, this line drew about 1.04 times the market-average complaint rate (more complaints than the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · CA · CDI
California Dept. of Insurance — 2026 Consumer Complaint Study, Homeowners composite. insurance.ca.gov · retrieved 2026-07-10. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
Caveat · CA exposure mix
* CDI publishes exposure counts only for the latest study year; prior-year indices reuse the 2025 exposure mix for both group and market. Disclosed per signal in the source record.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| CA · CDI | 2025 | 1 | 38,701 | earned exposures | 0.62 | 0.20 |
| CA · CDI | 2024 | 4 | 38,701* | earned exposures | 0.98 | 0.12 |
| CA · CDI | 2023 | 3 | 38,701* | earned exposures | 1.36 | 0.08 |
| TX · TDI | 2025 | 8 | 48,335 | policies in force | 1.30 | 0.30 |
| TX · TDI | 2024 | 4 | 39,660 | policies in force | 1.25 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume. * exposure figure reuses the 2025 CDI exposure mix (see caveat).
Member companies aggregated — homeowners
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 19682 | HARTFORD FIRE INSURANCE COMPANY † | 0 | 219 | 0.00 |
| 22357 | HARTFORD ACCIDENT AND INDEMNITY COMPANY | 3 | 12,512 | 1.89 |
| 38261 | HARTFORD INSURANCE COMPANY OF THE SOUTHEAST | 4 | 24,892 | 1.26 |
| 37478 | HARTFORD INSURANCE COMPANY OF THE MIDWEST † | 0 | 1 | 0.00 |
| 38253 | HARTFORD LLOYD'S INSURANCE COMPANY † | 0 | 1,193 | 0.00 |
| 34690 | PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD † | 1 | 4,281 | 1.84 |
| 11000 | SENTINEL INSURANCE COMPANY, LTD. † | 0 | 564 | 0.00 |
| 29459 | TWIN CITY FIRE INSURANCE COMPANY † | 0 | 4,673 | 0.00 |
California · CDI · 2026 study (2023–2025)
| Company | CDI rank | Approx. exposures | Justified complaints ’25/’24/’23 | Ratio per 100k ’25/’24/’23 |
|---|---|---|---|---|
| PROPERTY AND CASUALTY I NS CO OF HARTFORD | 27 | 38,701 | 1 / 4 / 3 | 2.6 / 9.2 / 6.5 |
† Exposure base below the credibility floor on its own; the floor is applied to the aggregated group signal, not to individual members.