AARP Car Insurance for Seniors from the Hartford
AARP provides a low-cost auto insurance program from The Hartford
To ascertain the costs and value of AARP auto insurance from The Hartford, we ran theirs and other insurance company quote tools for several locations.
We scoured The Hartford’s website to determine the additional discounts available, along with the criteria used by this company to generate insurance costs. In addition, we spoke to salespeople and customer service reps at the company via phone on multiple occasions. This helped us gauge their knowledge, friendliness, and patience.
We read dozens of customer reviews and complaints on several message boards and consumer sites, including Reddit, TrustPilot, and the Better Business Bureau. In general, these are our findings for key categories:
- Cost: AARP auto insurance through The Hartford offers competitive rates and discounts for AARP members, safe drivers, and low-use automobiles.
- Customer service: This company gets high marks for promptness, attentiveness, knowledge about their products, and kindness. Everyone we spoke to was respectful, and we never felt pushed to make a purchase.
- Claim payment speed: According to users, AARP insurance through The Hartford pays undisputed, simple claims quickly, usually within a few weeks. Complicated claims that require investigations or extensive documentation may take several months, prior to receipt of payment.
- Added perks: While not specific to auto insurance, we like that AARP members have access to discounts at a wide range of businesses and activities.
AARP is one of the country’s largest member-based nonprofit organizations. It’s dedicated to serving Americans over the age of 50, but adults of any age can join in and benefit from AARP’s membership perks, including auto insurance from 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.
Did You Know? Your geographic location, mileage, and driving record impact your auto insurance rates. Age, gender, and credit score also play a role.1
Pros
- Receive up to 10 percent off your insurance for being an AARP member
- Offers custom coverage options that fit your specific needs and budget.
- You can save even more by bundling home and auto insurance through The Hartford
- AARP member benefits qualify you for a number of senior discounts. Things like anti-lock brakes and anti-theft devices can help get you lower rates on your car insurance.
- AARP partners with 16,000+ repair shops that you can use for lifetime car repair insurance.
- New car replacement is guaranteed if you total your car in an accident.
Cons
- Plans are only sold to paying AARP members. Membership is $15 for the first year if you opt into auto-renewal.
- We did a bit of research on The Hartford’s community forums, and it turns out they don’t insure many Tesla models, including the CyberTruck.
Did You Know? Difficult-to-insure vehicles include the Audi 5000, Buick Skyhawk Turbo, and Cadillac V series. Many insurance companies won’t insure these and other cars.2
AARP Auto Insurance Coverage Options
One of the best things about AARP auto insurance from The Hartford 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
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.
Full coverage and add-ons
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.
- Liability coverage: Bodily injury and property, as discussed above.
- Uninsured motorist coverage: If you get into an accident with someone who doesn’t have any insurance or very little insurance, they may not be able to pay for the damages they are responsible for. Uninsured motorist coverage will help you pay for the costs they can’t cover.
- Collision coverage: Unlike liability coverage, collision coverage will protect you from any damages that your own car incurs in an accident. So if you get into an accident with someone or hit a pothole or stationary object, collision will help pay for the damages.
- Comprehensive coverage: Live in an area with a high chance of hail, flooding, or other natural disasters? Comprehensive coverage might be a good option for you. Comprehensive coverage protects you from things like vandalism, damages from weather, and theft.
- Medical payments/personal injury protection (PIP): With PIP and medical payments protection, you and anyone in your vehicle will receive support for medical bills in the event of an accident. Regardless of who is at fault, PIP will have you covered for your medical needs.3
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 Services coverage.
FYI: Liability coverage is required in every state except for New Hampshire and Virginia.
We really like the RecoverCare Essential Services 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.
How Much Does AARP Auto Insurance Cost?
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 varying price points that make the most sense for your budget and driving habits.
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 paid-up 2025 Toyota Camry for a 50-year-old male driver living in North Carolina. We indicated that the car is used for pleasure driving only, not for daily commutes. Discounts were applied for AARP membership and for home ownership.
We chose a plan that comes with bodily injury liability, property damage liability, uninsured and underinsured motorist bodily injury, uninsured motorist property damage, plus comprehensive and collision coverage. The cost of this plan came to $1,155 annually. Then, we chose an insurance plan that omitted comprehensive coverage. This plan was significantly less expensive at $527.57 annually.
Keep in mind that rates vary and will depend on several factors, including:
- Your gender. Men typically pay more for car insurance than women. This is because men, on average, get into more accidents, receive more DUIs, are involved in more fatal accidents, and are on the receiving end of more traffic citations than women.2
- Your credit score. Better credit scores lead to cheaper insurance.
- Your driving record. A driving record littered with accidents and citations can increase your rates.
- How much you drive your car. The more you drive your car, the more likely you’ll be in an accident or require a repair, which increases your insurance rates.
- Your location. Areas with a high number of car thefts, accidents, or natural disasters can increase your insurance rates.
FYI: Only seven states – California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, and Utah – have banned the use of credit history in determining car insurance rates.4
How Does AARP Compare to Other Auto Insurance Providers?
Below is a comparison of AARP’s coverage and costs with other major providers.
Comparing Minimum Coverage
The plan below provides the absolute minimum coverage (no comprehensive, collision, PIP, etc.) on the same Toyota Camry.
| Insurance provider | Coverage type | Annual cost |
|---|---|---|
| Geico | Minimum Liability | $464 |
| Allstate | Minimum Liability | $663 |
| AARP The Hartford | Minimum Liability | $527.57 |
| State Farm | Minimum Liability | $528 |
| Progressive | Minimum Liability | $516.36 |
While AARP’s plan is not the cheapest, it offers competitive rates against the biggest insurance providers.
Comparing Full Coverage
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 |
|---|---|---|
| Geico | Full Coverage | $1,163 |
| State Farm | Full Coverage | $1,244 |
| AARP The Hartford | Full Coverage | $1,155 |
| Allstate | Full Coverage | $1,550 |
| Progressive | Full Coverage | $2,166 |
AARP’s rate, which was computed using the AARP discount, comes in as the least expensive, with Progressive coming in as the most expensive option for full coverage.
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.
AARP Car Insurance Discounts for Seniors
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.
- AARP membership: up to a 10 percent discount
- Anti-locking brake system: Five percent discount
- Anti-theft device: 10 percent discount
- Multiple vehicles package: up to 20 percent discount
- TrueLane Safe Driving Program: up to 12 percent discount
- Home and Auto Bundle Discount: up to 20 percent
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 Home and Auto Insurance Bundles
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.
Our Final Thoughts on AARP Auto Insurance
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 Services 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 certain Tesla models, this program may not be for you. For the majority of drivers over the age of 50, however, we think AARP auto insurance from The Hartford is a solid option for affordable, flexible, and reliable auto insurance coverage.
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Insurance Information Institute. (2025). What determines the price of an auto insurance policy?
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Department of Financial Services. (2025). Difficult-to-insure vehicles.
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Progressive. (2025). How Does Car Insurance Work?
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Experian. (2025). Which States Restrict the Use of Credit Scores in Determining Insurance Rates?
