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Everything you need to know about car insurance from AARP.
AARP, short for the American Association of Retired Persons, is a nonprofit, nonpartisan interest group in the U.S. that caters to the needs of people age 50 and older. One way the organization serves its members is via partnerships and discounts with other companies.
One of AARP’s partnerships is with The Hartford, one of the oldest insurance companies in the country. Through this partnership, AARP and The Hartford offer auto insurance policies designed specifically with seniors in mind that are available to AARP members exclusively.
Editor’s note (last updated September 24, 2024): We have updated this page with the latest information regarding insurance offerings and prices from AARP (The Hartford).
AARP car insurance through The Hartford is slightly costlier than the national average, at $2,316 for full coverage compared to the national rate of $1,924. 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 $1,629.
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 just $1,350 annually for car insurance. Once you reach your 70s, your rates tend to increase again due to higher instances of accidents.
Here are some additional factors that could cause your rates to be different from The Hartford’s average:
Category | Average rate from The Hartford |
---|---|
Minimum coverage | $735 |
Full coverage | $2,316 |
Teens | $4,482 |
Seniors | $1,629 |
Speeding ticket | $2,734 |
Accident | $3,371 |
DUI | $3,520 |
Low credit | $3,276 |
Average | $2,316 |
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 more than $500 on average. Below is a list of discounts for AARP policyholders and how to qualify.
Discount type | Qualifications |
---|---|
AARP member | AARP members age 50 or older save 10 percent on insurance from The Hartford |
Bundle insurance savings | Bundle your home and auto coverage with AARP’s auto and home insurance program |
Paid-in-full discount | Pay your bill in full instead of making monthly payments |
Online quote discount | Get a discount when you get your auto insurance quote online, in most states |
Drive safe and save | Join The Hartford’s TrueLane Program and save up to 12 percent if you sign up within the first 60 days of your policy. You can also earn a renewal discount of up to 40 percent based on your driving habits |
Safety features discount | You’ll receive a discount for having safety features such as multiple airbags or anti-lock brakes |
Vehicle fuel type discount | Get a discount for having a hybrid or electric vehicle |
Safe driver training discount | Drivers 21 and under (or 25 and under in Georgia) can save for taking an approved safe driver training course |
Defensive driver course discount | Get a discount for the next three years when you complete an approved defensive driving course and send AARP your certificate |
AARP’s car insurance policy has several key features to help it stand out among other auto insurance companies, especially for seniors.
The Hartford stands out because it has one of the best ratings for customer satisfaction in J.D. Power’s 2024 U.S. Insurance Shopping Study. The company ranks fifth and scores 685 out of 1,000.2 This indicates that customers are satisfied with The Hartford’s prices, quote process, and policy offerings.
The Hartford also scored above average in the Shopping segment of J.D. Power’s 2024 U.S. Insurance Digital Experience Study with 518 points.3 The score suggests that The Hartford makes it easy to shop online and receive a quote.
AARP car insurance policies offer all of the standard auto insurance coverage options you would expect from any insurance company. Additionally, it has a number of specialty coverages that not all companies offer, including the following.
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:
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.
Car insurance subject | Contact information for AARP members |
---|---|
Auto quotes | 888-546-9099
M-F: 7 a.m. to 11 p.m. ET Sat-Sun: 8 a.m. to 6 p.m. ET |
ATV, golf cart, and snowmobile insurance quotes | 888-546-9099
For quotes: M-F: 7 a.m. to 11 p.m. ET Sat-Sun: 8 a.m. to 6 p.m. ET For customer service: M-F: 8 a.m. to 9 p.m. ET Sat: 8 a.m. to 9 p.m. ET |
Boat insurance quotes and customer service | 800-555-2510
M-F: 8 a.m. to 6:30 p.m. ET |
Auto insurance applications | AARP Auto Insurance Program
The Hartford P.O. Box 14215 Lexington, KY 40512 Fax: 877-293-2072 |
AARP auto claims | 877-805-9918 |
AARP glass claims | 800-892-8484 |
AARP auto customer service | 800-432-6789
M-F: 8 a.m. to 9 p.m. ET Sat: 8 a.m. to 6 p.m. ET |
Roadside assistance | 800-322-7789 |
General correspondence | AARP Insurance Program
The Hartford P.O. Box 14219 Lexington, KY 40512 Fax: 877-293-2072 |
Spanish | 877-621-4981 |
Hearing impaired services | 800-877-8973
M-F: 8 a.m. to 6 p.m. ET |
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.
Customers don’t have to be seniors to buy car insurance through The Hartford. However, AARP members over age 50 will get the best prices from The Hartford. Drivers under age 50 can likely find cheaper insurance elsewhere.
AARP and The Hartford are not the same. Rather, AARP is an interest group that represents seniors in the U.S., while The Hartford is an insurance company. The two are separate entities but have a partnership through which The Hartford offers a car insurance policy specifically for AARP members.
Car insurance rates depend on many factors, including your driving history, location, vehicle, age, and more. While certain factors could lead your premiums to be more expensive, if you’re an AARP member, you may be able to get cheaper car insurance through the organization’s partnership with The Hartford than you otherwise would.
If you’re an AARP member and purchase car insurance through The Hartford, you’ll be eligible for special discounts, including a 10 percent discount for members over age 50, as well as coverage options only available to AARP members.
What determines the price of an auto insurance policy? Insurance Information Institute. (2022).
https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds. J.D Power. (2024, Apr 30).
https://www.jdpower.com/business/press-releases/2024-us-insurance-shopping-study
Auto Insurer Websites and Apps Become Primary Driver of New Customers, Putting Pressure on Digital Experience, J.D. Power Finds. J.D Power. (2024, May 21).
https://www.jdpower.com/business/press-releases/2024-us-insurance-digital-experience-study