AARP Membership Benefits

AARP members can enjoy car insurance discounts and exclusive membership benefits with AARP Auto Insurance from The Hartford. Not a member? We’ll help you sign up.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
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Updated: 01/21/2026
Read Time: 4 minutes
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Members who switch to The Hartford can save an average of $597 on car insurance.†
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Key Takeaways

  • The Hartford offers stackable discounts, savings and exclusive benefits for AARP members. In fact, you can save up to 10% simply by having an AARP membership.†
  • AARP® Auto Insurance from The Hartford1 comes with customizable coverage options to meet the unique needs of experienced drivers.
  • You’ll need to be a member to get AARP Auto Insurance from The Hartford and take advantage of benefits for AARP members. If you’re not a member, don’t worry. We can help you sign up.
The Hartford call center employee happy to help with AARP member benefits

AARP Membership Benefits Included With AARP Auto Insurance From The Hartford

For over 40 years, The Hartford has offered the only national auto insurance endorsed by AARP, providing trusted coverage and meaningful car insurance discounts. AARP memberships include benefits that can help lower car insurance premiums, with savings of up to 10% just for being a member.†
AARP Auto Insurance from The Hartford also offers additional discounts for quoting online, using qualifying vehicle safety features or bundling auto and home insurance, which can lead to a total savings of nearly $1,000.** While this program focuses on car insurance discounts, AARP memberships also include travel perks, financial and retirement planning tools, and health and wellness resources.
Since 1984, The Hartford has helped millions of AARP members save money while maintaining quality coverage for experienced drivers.
 

Understand AARP Membership Benefits for Car Insurance With The Hartford

The Hartford’s AARP benefits list doesn’t end with premium savings. It extends to coverage options and perks, such as:
After you file a covered claim, The Hartford can help you find a trusted repair service, so you don't have to go through the hassle yourself. With over 1,600 shops in our approved network, we can help you find quality repairs. We can also help search for rental cars if you need one.
If you total your new car, The Hartford can help cover the cost to replace it with a new car of the same make and model, without subtracting anything for depreciation.§§
We can help pay for home services, like house cleaning, if you're ever involved in an accident and can't do them yourself. This benefit can have a positive impact on family finances when you need it most.
We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you'll qualify for accident forgiveness.‡
If you are a safe driver and maintain a clean driving record, disappearing deductible coverage can help reduce your collision deductible on your auto policy over time.‡
The Hartford’s AARP member benefits include 24/7 roadside assistance services like towing, locksmith, flat tire and more, available through RESCUE 1-800®.
If you’ve completed an approved defensive driving course, such as the AARP Driver Safety Course, you can enjoy a defensive driving discount of up to 5% on your car insurance for the next three years. Just send us a copy of your certificate, and we’ll apply the credit to your car insurance premium.
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.
From a rock chipping your windshield on the highway to hail damaging your sunroof, auto glass insurance with The Hartford can help save you money and protect your car from a range of incidents.
 

Who Is Eligible for AARP Membership Discounts From The Hartford?

To get The Hartford’s AARP benefits for car insurance, you’ll need to:
 
There are many advantages of AARP memberships. If you’re not a member, we can sign you up during the quote process to save you time.
couple pleased after getting AARP membership discounts

Get a Car Insurance Quote

For every journey you take, The Hartford is here to help you drive with confidence, knowing you’re covered without breaking the bank. To start taking advantage of AARP member discounts on car insurance for seniors, call The Hartford at 800-546-9099 or get a car insurance quote online today.

What Members Say About the Benefits of AARP Auto Insurance From The Hartford

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“While no one wants to file a claim, that's when you find out how good your insurance company really is. The Hartford was the best. Seamless and professional!”
 
Joseph
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“Unfortunately, I had my first accident in 40 years. I was extremely anxious about how the claim would go. The Hartford was responsive, quick, professional and easy to deal with. I recommend them highly.”
 
Michael
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“The Hartford treated me with respect, and all parties were kind and helpful. They made me feel like they cared. Having an accident is never pleasant, but they helped us through it as best they could.”
 
Kenneth
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“First time in an accident in a long time. The entire claims process was fast and easy. From online submission, to working with the approved repair shop, the process was coordinated and well executed.”
 
Andy
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“Satisfaction from the first call to the last. Kind and considerate help was given, and I was informed of everything that was happening in my case.”
 
Lorene
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“Everyone at The Hartford was a pleasure to talk to and communicate with. We could not be happier.”
 
Linda
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These testimonials reflect the service AARP members receive with AARP Auto Insurance from The Hartford. Beyond insurance, AARP memberships offer valuable discounts that often make the low annual fee worth it.

Frequently Asked Questions About AARP Benefits and Discounts

With AARP Auto Insurance from The Hartford, you get access to a wide range of member discounts and exclusive car insurance benefits. For example, if you insure both auto and home policies with The Hartford, you can save an average of $963.** The Hartford also offers customizable coverage options for protection that fits your needs. An AARP membership costs around $20 per year, and for many people, the savings on car insurance alone can make the membership well worth it.
It's quick and easy to get AARP Auto Insurance from The Hartford. Simply get a car insurance quote online or call The Hartford at 800-546-9099 to start taking advantage of exclusive benefits for members.
While AARP Auto Insurance from The Hartford is available in most states, you can find specific information for your location by visiting our auto insurance by state page.
Visit the AARP website to learn more about discounts on shopping, entertainment and restaurants, groceries, hotels, cruises and more.

Explore Insurance Products and Resources

 
 
^ Not available in all states, terms and conditions apply.
† 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 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 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.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.