Complaint Score
58.0 of 100
Normalized by premium volume across 50 states
NAIC MCAS 2024 Grade C 50 states
The Hartford Auto
The Hartford Auto: 1,876 justified complaints across 50 states (NAIC MCAS 2024). Reputation grade C.
Part of Hartford Financial
NAIC Code: 22357
Reputation grade C (composite score 58.0) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Average — near industry median
What This Grade Means for You
The Hartford Auto has a complaint record roughly in line with the industry median. This means the number of complaints is proportional to the volume of business the company writes. While not a red flag, consumers may want to compare The Hartford Auto against higher-rated alternatives in their state before purchasing a policy.
The Hartford Auto's composite score of 58.0 is derived from complaint ratios and operational data across 50 states.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
The Hartford Auto appears in PlainInsurer's regulatory database with 1,876 justified complaints on file across 50 states under NAIC code 22357, operating as part of Hartford Financial. The company's composite score of 58.0 translates to a reputation grade of C — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, The Hartford Auto reports activity in 1 line of business (Auto Insurance). Its complaint score of 58.0 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating The Hartford Auto, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The available data places The Hartford Auto near industry norms; comparing directly against named alternatives in your state is the next step. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
1,876
50 states
Complaint Score 58.00 +5700% vs. avg
Composite Score
58.0
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
50 states
NAIC Code: 22357
Consumer Risk Level 58.0%
National median
Composite score of 58.0 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Auto Insurance | 1,876 | 1.05 +5% vs. avg
| 50 |
Top states by complaint volume
Top 5 states — The Hartford Auto consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for The Hartford Auto across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (50 states)
AL 38 complaints AK 38 complaints AZ 38 complaints AR 38 complaints CA 38 complaints CO 38 complaints CT 38 complaints DE 38 complaints FL 38 complaints GA 38 complaints HI 38 complaints ID 38 complaints IL 38 complaints IN 38 complaints IA 38 complaints KS 38 complaints KY 38 complaints LA 38 complaints ME 38 complaints MD 38 complaints MA 38 complaints MI 38 complaints MN 38 complaints MS 38 complaints MO 38 complaints MT 38 complaints NE 38 complaints NV 38 complaints NH 38 complaints NJ 38 complaints NM 38 complaints NY 38 complaints NC 38 complaints ND 38 complaints OH 38 complaints OK 38 complaints OR 38 complaints PA 38 complaints RI 38 complaints SC 38 complaints SD 38 complaints TN 38 complaints TX 38 complaints UT 38 complaints VT 38 complaints VA 38 complaints WA 38 complaints WV 38 complaints WI 38 complaints WY 38 complaints
Understanding Your Rights
If you have a dispute with The Hartford Auto or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does The Hartford Auto's C grade mean?
The Hartford Auto received a grade of C, which means "Average — near industry median." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does The Hartford Auto have?
The Hartford Auto has 1,876 total complaints on record across 50 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against The Hartford Auto?
To file a complaint against The Hartford Auto, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and The Hartford Auto.
Is The Hartford Auto a good insurance company?
Whether The Hartford Auto is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives The Hartford Auto a C grade based on complaint ratios and denial data. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does The Hartford Auto offer?
Based on NAIC filing data, The Hartford Auto operates in 1 line of business: Auto Insurance. Coverage availability varies by state — The Hartford Auto is licensed in 50 states. Check directly with The Hartford Auto or your state's Department of Insurance for specific policy options in your area.
How does The Hartford Auto compare to other insurers?
The Hartford Auto's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a C grade, The Hartford Auto ranks near the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where The Hartford Auto operates.
Insurance Guides
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How to Read Complaint Ratios
⚖️ Understand what the numbers mean for The Hartford Auto
How to Appeal a Claim Denial
🏥 Step-by-step internal and external review process
Understanding Prior Authorization
🚗 Why insurers deny care and what you can do
Choosing Auto Insurance
What NAIC complaint data reveals about auto insurers
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Compare The Hartford Auto Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to The Hartford Auto
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.