AARP (The Hartford) Car Insurance Pricing

AARP car insurance through The Hartford is costlier than the national average, at $2,914 for full coverage compared to the national rate of $2,356. However, if you’re able to take advantage of its full slate of discounts, including discounts for seniors, you could lower your rate to around $2,039.

Age is one of the primary factors to affect auto insurance rates. Rates tend to decline as you get more driving experience, so drivers aged 50 and 70 pay lower average premiums. For example, the average driver of age 55 pays $2,248 annually for car insurance. Once you reach your 70s, your rates tend to increase again due to higher instances of accidents.

Exactly how much you pay will depend on a number of other factors, including your credit score, driving record, zip code, chosen coverages, and vehicle.

Like other car insurance companies, AARP’s policy through The Hartford provides plenty of auto insurance discounts to help you save. According to The Hartford’s website, customers who switch save almost $600 on average. Below is a list of discounts for AARP policyholders and how to qualify.

AARP’s car insurance policy has several key features to help it stand out among other auto insurance companies, especially for seniors.

Top-Rated Satisfaction

The Hartford stands out because it has above average ratings in J.D. Power’s 2025 U.S. Claims Satisfaction Study, scoring 716 out of 1,000 points.¹ This indicates that customers are satisfied with The Hartford’s claims process, including the time it takes to settle a claim. The provider also scored second in the Northwest region in J.D. Power’s U.S. Auto Insurance study, making it an excellent choice for customers in states like Oregon and Washington.²

Specialty Coverage Options

AARP car insurance policies offer all the standard auto insurance coverage options you would expect from any insurance company. Additionally, it has specialty coverages that not all companies offer, including the following.

• Accident forgiveness: Your rates won’t go up after your first accident and won’t count against you if all the drivers on your policy maintain clean driving records for five consecutive years.
• Disappearing deductible: As long as you maintain a clean driving record, your collision deductible will decrease over time. Depending on your state, your deductible may go all the way down to $0.
• Labor and towing insurance: This coverage helps pay for emergency roadside assistance and arrange for towing to get your car to a repair shop.
• Accident rental car reimbursement: If you’re in an accident, The Hartford will reimburse you for your rental car while yours is in the shop.

Special AARP Benefits

As we’ve mentioned, while The Hartford offers insurance policies outside of those available to AARP members, it provides special perks just for AARP members. In addition to special discounts and rates, these benefits include the following:

• Lifetime car repair assurance: After a covered claim, The Hartford will help you find a trusted repair service from more than 1,600 authorized repair shops.
• New car replacement: If you total your new car, your policy will replace it with a new car of the same make, model, and equipment, with no deduction for depreciation.
• RecoverCare: This program helps to pay for transportation, cooking, cleaning, and other help if you’re injured in an accident.

AARP auto insurance is currently available in all 50 states and Washington, D.C. Keep in mind that while coverage may be available nationwide, the specifics depend on where you live. According to the AARP website, the availability of discounts varies by state. AARP car insurance isn’t available in Canada or any U.S. territories.

If you have AARP car insurance through The Hartford, you can cancel your car insurance policy at any time. The first way you can cancel your policy is by calling 1-800-684-5518.

If you have a local insurance agent, you can cancel by contacting them directly. If you paid for your entire policy premium upfront, you’ll receive a refund of a prorated amount for the remainder of your policy period. However, you may be subject to a cancellation fee. Depending on where you live and the time left on your policy, you could be subject to an early termination fee of 10 percent of your remaining policy premium.

Dr. Ethel Percy Andrus, a retired high school principal, created AARP in 1958. The organization was the second iteration of one Andrus founded in 1947 called the National Retired Teachers Association.

One of the primary reasons Andrus created AARP was to guarantee healthcare benefits for older Americans. At the time, the federal government hadn’t yet created Medicare, meaning many seniors didn’t have coverage during retirement. Andrus worked with insurance companies directly to create policies for uninsured seniors, specifically.

AARP has changed dramatically over the years. Today, the organization is dedicated to enhancing the quality of life for its members as they age through advocacy, service, education, and more. Additionally, AARP seeks to help seniors financially by partnering with other companies and organizations to provide special products, services, and discounts.

AARP’s partnership with The Hartford dates back to 1984, when the two joined forces to become the exclusive provider of insurance policies for AARP members.

Through its partnership with The Hartford, AARP has made a name for itself as the best car insurance company for seniors. Policyholders can access special perks and savings if they are AARP members. If you still have questions about auto insurance through AARP, read the answers to some of our frequently asked questions below. Check out our full review of AARP/The Hartford.