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The Hartford Claim Complaints

Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.

Short answer

In Texas in 2025, The Hartford's rate of confirmed auto complaints per policy was 78% of the average for all auto insurers (10 confirmed complaints).

Texas 2025

0.78

Fewer complaints than average

10 confirmed complaints, 78,288 auto policies. Average = 1.00.

New York 2024

–

Too few complaints to compare

4 upheld complaints on $192 million of premium. Average = 1.00.

California 2025

–

Too few complaints to compare

8 justified complaints, 121,185 insured vehicles. Average of the 50 largest insurers = 1.00.

What stands out in The Hartford's numbers

In Texas this page counts 6 companies selling as The Hartford. The largest, Hartford Fire Insurance Company, holds 54% of the brand's 78,288 auto policies in force there, so its record drives the score.

"Claim delays" came up in 42% of Texas complaints about The Hartford, against 50% for all Texas auto insurers.

In New York's 2024 ranking, the 6 companies selling as The Hartford placed between 12 and 122 of 128 auto insurers (1 = fewest upheld complaints for its premium).

In California's 2025 report, The Hartford's company placed 38 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).

What Texas drivers complained about (2025)

In 2025 the Texas Department of Insurance closed 26 auto complaints about The Hartford. The most common reasons:

  1. Poor claim handling or communication (62% of complaints)
  2. Claim delays (42% of complaints)
  3. Low settlement offer (42% of complaints)
  4. Claim denied (8% of complaints)
  5. Disputed who was at fault (8% of complaints)

One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.

Did complaining get people paid?

67% of the 21 claim complaints about The Hartford ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.

If The Hartford is stalling or lowballing your claim

  1. Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
  2. Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
  3. Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
  4. If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.

Free tools for this

Companies counted as The Hartford
  • Hartford Insurance Company of the Midwest (TX, NAIC 37478)
  • Hartford Underwriters Insurance Company (TX, NAIC 30104)
  • Hartford Casualty Insurance Company (TX, NAIC 29424)
  • Hartford Fire Insurance Company (TX, NAIC 19682)
  • Trumbull Insurance Company (TX, NAIC 27120)
  • Sentinel Insurance Company, Ltd. (TX, NAIC 11000)
  • Hartford Insurance Company of Illinois (NY, NAIC 38288)
  • Hartford Insurance Company of the Midwest (NY, NAIC 37478)
  • Sentinel Insurance Company, Ltd. (NY, NAIC 11000)
  • Hartford Underwriters Insurance Company (NY, NAIC 30104)
  • Hartford Casualty Insurance Company (NY, NAIC 29424)
  • Hartford Fire Insurance Company (NY, NAIC 19682)
  • Hartford Underwriters Insurance Company (CA)

Frequently asked questions

Does The Hartford have a lot of complaints?

In Texas in 2025, The Hartford's rate of confirmed auto complaints per policy was 78% of the average for all auto insurers (10 confirmed complaints).

What does a complaint index of 1.00 mean?

1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. The Hartford's Texas score of 0.78 means 78% of the average.

Sources

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Not legal, financial, or insurance advice. This page summarises rules and data for general education only. Insurance laws, deadlines, and formulas vary by state, by policy, and by insurer, and they change over time. Verify anything important with your insurance policy, your state department of insurance, or a licensed attorney before relying on it. Complaint ratings come from state regulators' published data and describe past complaints, not how any one claim will go. They are not a recommendation to buy or avoid any insurer.