AARP provides a low-cost auto insurance program from The Hartford
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The American Association for Retired Persons (AARP) is the country's largest nonprofit and has been dedicated to serving Americans over the age of 50 for more than half a century! AARP members enjoy a number of benefits, including car rental discounts, cruise tours, health and wellness benefits, hotel and resort deals, and, as we'll cover in this article, auto insurance plans through The Hartford.
The AARP auto insurance plan from The Hartford offers competitive rates with several benefits for older adults. Their program has been around since 1984 and is a tried-and-tested member in the auto insurance industry. Below we'll get into what their plans offer and why AARP might be right for your auto insurance needs.
One of the best things about the AARP auto insurance program is how flexible and customizable it is. If you're in a state that only requires minimum liability, AARP has you covered. If you'd like to add on more protection or are in a state that requires more coverage, AARP has full coverage options or individualized add-ons, like uninsured/underinsured motorist coverage.
Most states require at least liability coverage, but if you're living in a state like Minnesota, you'll need liability coverage, medical payment coverage, and underinsured motorist coverage. Let's break down what goes into what kind of protection you can get from each coverage type.
Liability coverage is the minimum amount of coverage that most states require. It pays for damages that you are responsible for to another person or their vehicle. This includes two major types of coverage: bodily injuries and property damages. If you happen to get into an accident where you damage someone else's vehicle, injure the driver or passengers, or are facing a lawsuit, liability coverage will pay for those costs.
While full coverage isn't required in every state, a lot of drivers will take full coverage or some recommended add-ons for extra protection. If you live in a region with heavy hailstorms or a high chance for animal collisions, for example, you might consider comprehensive coverage as an add-on.
You can integrate any combination of the below coverage types to your AARP plan.
AARP offers minimum liability plans, full coverage options, and some common insurance add-ons like gap insurance and rental car insurance. One thing that sets The Hartford insurance plans apart is their unique coverage options that most providers won't offer. This includes full glass coverage, which protects any damages to the glass on your vehicle, and RecoverCare Essential coverage.
FYI: Liability coverage is required in every state except for New Hampshire and Virginia.
We really like the RecoverCare Essential program because it provides you with a $2,500 reimbursement for household services that you can't complete if you're injured in an accident. This includes things like cooking, cleaning, snow removal, lawn maintenance, and more. This is a great add-on to provide you and your loved ones with added safety and comfort.
The great thing about the AARP program with The Hartford is that it's both flexible and affordable. You can find a wide range of plans with differing price points that make the most sense for you and your needs.
Did You Know: AARP made our list of the best car insurance providers for seniors, thanks to their competitive rates and discounts.
To give you an idea of what it might cost you to get standard coverage through AARP with The Hartford's insurance policy, we requested a quote on a Toyota Camry for a 50-year-old male driver living in North Carolina. The plan comes with minimum liability coverage, uninsured/underinsured motorist coverage, PIP coverage, comprehensive coverage, and collision coverage. The total comes out to $97 per month, or $1,155 annually, which is about $400 cheaper than the national average!
Keep in mind that rates vary and will depend on several factors, including:
FYI: Only three states – California, Hawaii, and Massachusetts – have banned the use of credit history in determining car insurance rates.
Below is a comparison of AARP's coverage and costs with other major providers.
The plan below provides the absolute minimum coverage (no comprehensive, collision, PIP, etc.) on the same Toyota Camry.
|Insurance provider||Coverage type||Annual cost|
|AARP The Hartford||Minimum Liability||$482|
|State Farm||Minimum Liability||$528|
While AARP's plan is not the cheapest, it's below the national average and offers competitive rates against the biggest insurance providers. Keep in mind that these are the costs before your discounts kick in, of which there are many as an AARP member.
Now let's look at what full coverage looks like with more liability ($100,000 bodily injury/$300,000 max coverage/$100,000 property damage).
|Insurance provider||Coverage type||Annual cost|
|State Farm||Full Coverage||$1,244|
|AARP The Hartford||Full Coverage||$1,470|
Both Geico and Progressive are still the cheapest and most expensive options respectively for full coverage, and AARP's plan maintains its spot in the middle of the pack. It's important to note that these prices will differ from state to state and individual to individual. If you can bundle more vehicles, a home, or benefit from other discounts, your price will naturally decrease. The best way to get an accurate price for your specific needs and situation is to try a quote for yourself.
While AARP insurance rates are competitive, the numbers above don't include any of the AARP member discounts that will drop your rates by a significant amount. You can lower your rates with the help of discounts in the following ways.
Good to Know: AARP doesn't currently offer a discount for hybrid or electric cars, which is common with some other car insurance providers.
Keep in mind that benefits will differ based on your state and specific needs. Still, there are a lot of unique benefits to take advantage of as an AARP member!
AARP has bundling packages that can help you save on not only your auto insurance rates, but also your home, condo, or renter's insurance. Bundling your auto insurance and home insurance can help you save five percent on your car insurance and up to 20 percent on your home, condo, or renter's insurance.
Pro Tip: Ask an agent at The Hartford about their umbrella plans. With an umbrella plan, you'll gain extra coverage, bundle insurance, and create a unique insurance package that fits your needs.
The AARP auto insurance program with The Hartford offers excellent value to older Americans. If you're over 50 and looking for a new provider, AARP has many benefits that could bring down your rates and provide the best protection for you.
Additional benefits like their RecoverCare Essentials program, 24/7 roadside assistance, accident forgiveness, and a 24/7 car insurance claims hotline all show why AARP is dedicated to serving and catering to the needs of aging Americans. On top of that, you can manage your AARP insurance plan, benefits, and discounts through their mobile app, a useful feature for tech-savvy seniors.
If you don't want to be an AARP member or if you drive a Tesla, this program may not be for you. For the majority of drivers over the age of 50, however, we think the AARP is a solid option for affordable, flexible, and reliable auto insurance coverage.
Progressive. (2022). How does car insurance work?
Insurance Information Institute. (2022). What determines the price of an auto insurance policy?