AARP Auto Insurance From The Hartford

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Pay as little as $87*** a month for AARP Auto Insurance from The Hartford.
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Discover savings with AARP Home Insurance from The Hartford.
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You could save nearly $1,000** when you bundle auto and home.
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a woman at peace knowing she is protected by the AARP Auto Insurance Program from The Hartford
41
Years Protecting AARP Members
4/5
Customers Saved With The Hartford
$597
Average Car Insurance Savings†
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Great Rates and Rewards on AARP Car Insurance From The Hartford

Since 1984, The Hartford has protected AARP members and their loved ones on the road. Car insurance with AARP member benefits, including savings and discounts, is available through The Hartford. Plus, we provide customizable coverage options, so you can drive with confidence wherever you go.
$00/mo1
on average
We know that insurance needs can change as you get older, making us a trusted choice for car insurance for seniors. In fact, The Hartford offers the only auto insurance endorsed by AARP.
 
Don’t have an AARP membership? We can help you sign up.
 

What Discounts Can I Get With AARP Auto Insurance?

The Hartford offers benefits and rewards exclusive to AARP members, including car insurance savings of up to 10% with your membership.†
 
With AARP® Auto Insurance from The Hartford, you can save money with a variety of discounts, such as:
 
Want to learn more about AARP member benefits? In addition to AARP Auto Insurance from The Hartford, members can take advantage of discounts on travel, dining and entertainment, ensuring comprehensive savings across the board.
 
Additional car insurance discounts from The Hartford include:

Drive Safe and Save

Get rewarded for your safe driving with The Hartford’s TrueLane Program.^ Save up to 15% just for participating and earn a renewal discount of up to 40%, depending on your driving habits.^

Pay-in-Full

If you pay your bill in full instead of making monthly payments, you will be eligible to receive extra discounts.

Vehicle Fuel Type

You may get extra auto insurance driver discounts if your car is a hybrid or electric vehicle.

Safe Driver Training Discounts

You can get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course.

Safety Features

The Hartford offers safe drivers discounts, including savings if your car has safety features, like anti-lock brakes or anti-theft devices.
 

How Much Can AARP Members Save on Car Insurance by Switching to The Hartford?

The Hartford offers affordable auto insurance for seniors. In fact, drivers who switch can save an average of $597† on their auto insurance compared to their prior insurance company.
Find out how much you could save if you switch:
For payroll amount:
You could save
$597
on average
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AARP Car Insurance Coverages

With AARP Auto Insurance from The Hartford, you’ll be protected if:
Car insurance policies include two types of liability coverage to help protect you if you’re at fault in a car accident. If you cause an accident that injures another driver, bodily injury liability can help pay for their medical expenses. Property damage liability coverage can help cover costs if you damage property that doesn’t belong to you, such as someone else’s car or house.
With collision insurance, you’ll be covered if your vehicle is damaged from a collision with another car or object, like a tree or fence.
Comprehensive insurance helps cover you in situations where your vehicle is damaged in a non-collision event. For example, this coverage can help pay to fix your car if it’s damaged by a natural disaster, vandalism or hitting an animal.
If you’re involved in an accident with a driver who doesn’t have insurance or enough insurance to cover damages, uninsured/underinsured motorist coverage can help you stay protected.
Depending on your policy, auto insurance coverage options can vary. More coverages are available to extend your protection.
 
 

AARP Insurance: Auto Coverages and Additional Benefits from The Hartford

The Hartford offers optional coverages and benefits that add extra financial protection for AARP members. These can help ensure long-term savings by helping you avoid potential risks or expenses.
 
In addition to discount auto insurance, AARP members can enjoy these offerings from The Hartford:
 
  • New car replacement coverage: If you total your new car, we’ll pay to replace it with a new car of the same make and model without subtracting anything for depreciation.§§
  • RecoverCare§ coverage: This benefit helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
  • Lifetime car repair assurance: Get access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
  • Disappearing Deductible: This optional benefit reduces your collision deductible on your auto policy over time as long as you’re a safe driver and maintain a clean driving record.‡
  • Rental Car Reimbursement Coverage: Also called transportation expense coverage, this benefit helps pay for a rental car while your vehicle is in the shop after an accident.
  • Accident Forgiveness: This benefit excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.‡
These benefits work together to create a car insurance program that rewards experienced drivers for their years on the road.
Remember:
Higher car insurance deductibles can help reduce your monthly payments. But if you’re involved in a car accident, you'll need to pay higher costs for repairs. Our representatives are here to help you figure out the right auto coverage for your needs at 888-546-9099.

Why Choose The Hartford: Car Insurance With AARP Member Satisfaction

Expert Knowledge and Trusted Resources

The Hartford is proud to be the exclusive provider of auto insurance designed for AARP members. Bringing specialized knowledge to everything we do, you’ll get access to guides to support you through life’s milestones and transitions.

Outstanding Customer Service

Our representatives can help you compare auto insurance coverages and find the best option for you. If you’re ready to purchase a new policy or need to make an update to an existing one, we’ll be there every step of the way.

Fast and Easy Claims Process

The Hartford’s claims team is available to help 24/7, making the process as stress-free as possible. Policyholders consistently give The Hartford high ratings for our claim reporting process.
a happy customer with auto insurance from The Hartford
“What I like about being an auto insurance customer of The Hartford is knowing that they’re there 24/7. They care about me being on the road, and they care about my well-being on the road. Every time you get in the car, you know that somebody is looking out for you.”
– Matt McCoy, customer of The Hartford since 2014

What AARP Members Are Saying

quote 1
“AARP [Auto Insurance from] The Hartford has been great insurance for me. I am continuing with it moving forward. They are easy and effective to work with. Compassionate and personable in meeting my needs. I am grateful!”
 
Linda
review 1
quote 2
“I was involved in a hit-and-run. My claims adjuster was very quick to return my call and get the ball rolling. I had a rental car, and my car was in the shop within hours of me contacting her. I recommend The Hartford to anyone that has AARP and anyone that doesn’t.”
 
Rosenda
review 2
quote 3
“The Hartford and their representatives made a difficult and stressful situation much easier with their compassion, competence and efficiency. I would recommend them to my friends and anyone looking for an excellent insurance company.”
 
Ernest
review 3
quote 2
“The Hartford was very knowledgeable, compassionate and understanding to all our needs. They handled the paperwork in a timely manner.”
 
Ruth
review 2
quote 2
“I've been an AARP/The Hartford customer for decades and did not need their help very often in the past. That said, over these past two years, I have been the victim of four accidents. The customer service I received was extraordinary, and I VERY highly recommend The Hartford for anyone needing automobile insurance.”
 
John
review 2
quote 3
“I was looking for a car insurance policy where I could maintain my full coverage without breaking the bank. The Hartford provided me with the perfect policy at the best price. I am able to make payments and still saved money from what the other insurance company was charging me.”
 
Donna
review 6
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What Car Insurance Is Required in My State?

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Frequently Asked Questions About Car Insurance

AARP does not underwrite auto insurance. AARP Auto Insurance is offered through The Hartford for AARP members. The Hartford is the insurance provider and administers the policy, subject to program eligibility and availability.
The Hartford offers the only national auto insurance program endorsed by AARP. Since 1984, The Hartford has protected AARP members and their loved ones on the road. Eligible AARP members can access program benefits, coverage options and discounts through AARP Auto Insurance from The Hartford.
AARP Auto Insurance from The Hartford is designed for eligible AARP members. If you are not a member, The Hartford can help you join in minutes. Program eligibility and availability vary.
AARP members can access auto insurance discounts through The Hartford, but the lowest-priced insurer will depend on the driver. The Hartford offers benefits and rewards exclusive to AARP members, including auto insurance savings of up to 10% with membership.† Rates are based on factors such as your location, driving history, vehicle, coverage selections and available discounts. Comparing quotes with the same limits and deductibles can help you evaluate price.
Eligible members have access to AARP member savings, coverage options and program benefits through The Hartford. Available features include RecoverCare,§ Accident Forgiveness,‡ Disappearing Deductible‡ and the new car replacement coverage. Availability, terms and conditions vary by state and policy.
On average, The Hartford’s customers pay between $158 and $196 a month for car insurance.2 However, it’s important to be aware of rate differences. How much you pay for car insurance is based on many personal factors, such as your location, driving history, policy terms and restrictions.
You can request an AARP Auto Insurance quote from The Hartford online or by calling 888-546-9099. Be ready to provide information about the drivers, vehicles, driving history and current insurance. If you are not an AARP member, The Hartford can help you join in minutes.

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Coverage for Other Vehicles

 
 
Last Updated: August 14, 2026
 
^ Not available in all states, terms and conditions apply.
2 Auto insurance rates by age range from 9/1/24 to 8/31/25.
*** Based on Iowa Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in TX by Hartford Accident and Indemnity Company; in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in TX by Hartford Insurance Company of the Southeast; It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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