Auto Insurance Discounts & Benefits for AARP Members

Benefits of the AARP Auto Insurance Program From The Hartford

For the last 34 years, The Hartford has offered car insurance discounts to AARP® members.* Through great rates and discounts our policies have helped protect families, their passengers, and other drivers out on the road.  To be eligible for these benefits and to apply for the AARP Auto Insurance Program from The Hartford,1 you must be 50-plus years of age, and be registered as a member of AARP.

Who Is Eligible for the AARP Auto Insurance Program From The Hartford?

You may be eligible for the AARP Auto Insurance Program from The Hartford and not even realize it. To be eligible for this program you need to be:
  • 50-plus years of age.
  • A member of AARP.
You’ll also need:
  • A valid driver’s license from your state of residency.
  • Vehicle registration for the car or cars you drive.
In addition to rewarding members for being safer and more experienced drivers, this program offers a Lifetime Renewability benefit in most states. This allows you to renew your coverage each year, as long as you meet a few simple requirements.

How Do I Get the AARP Auto Insurance Program From The Hartford?

You don't have to sign anything or jump through hoops to get a quote with The Hartford. We offer no cost and no obligation quotes to anyone who contacts us. Talk to an agent, get an online car insurance quote or speak with a representative at 800-684-1933 today. And remember that as an AARP member, you can bundle your home and auto insurance for additional discounts and benefits.

Where Can I Get the AARP Auto Insurance Program From The Hartford?

The AARP Auto Insurance Program from The Hartford is available in most states. For specific information on your state, visit our auto insurance by state pages.
For members that participate in the AARP Driver Safety Program, there are even more discounts available. This program is offered in 35 states and can help keep you even safer when you hit the road. To participate you need to enroll and complete a driver safety course. In 21 states, the course can be completed online.

AARP Members Get Auto Insurance Discounts

AARP Auto Insurance Regardless of what your budget or needs are, you deserve to drive feeling confident that you are covered. If you are a member of AARP or are thinking of joining AARP, benefits and auto insurance savings are available through the AARP Auto Insurance Program from The Hartford.

These benefits and discounts include:
Lifetime Renewability – Once you are a member of AARP and have an AARP Auto Insurance policy from The Hartford, you can renew it for as long as you’re able to drive. All you have to do is continue to meet a few simple requirements. This stays true even if you’ve had traffic convictions or accidents.
12-Month Rate Protection – You can relax knowing your low premiums are locked-in for a full year.
New Car Replacement – If you total your new car within the first 15 months or 15,000 miles after you buy it, your policy will help pay to replace it. We’ll make sure your car is replaced with a new vehicle of the same make, model, and equipment. There will be no deduction for depreciation.§§
RecoverCare§ – With this benefit, you can get up to $2,500 to pay for transportation, cooking, cleaning, and other help you may need if you’re injured in a car accident.
Towing & Labor – If you break down, this optional coverage helps pay, up to your policy limit, for emergency roadside assistance you may need to get back on the road. It can also help you get your car towed to a repair shop. Keep in mind that this benefit requires that you have the The Hartford’s comprehensive coverage.

Optional Auto Insurance Coverage Available From The Hartford

At The Hartford, our policies are designed to help keep you protected each time you get behind the wheel. That’s why we offer additional optional auto insurance coverage for your car insurance policy. You can choose to add an optional package of benefits that include:
First Accident Forgiveness – Your rates won’t go up just because you have an accident, and it won’t count against you.
One Deductible‡‡ – If you must file a claim for a loss involving two of your vehicles which are both insured through the AARP Auto Insurance Program from The Hartford, you'll pay only one deductible. We’ll have you pay whichever deductible is higher, for the covered damages to the vehicles.
Disappearing Deductible – Your collision deductible will go all the way down to $0 each year, as long as you maintain a clean driving record. You’ll also need to renew annually.

Filing a Claim for Your AARP Auto Insurance From The Hartford

Our representatives are eager to walk you through the claims process from beginning to end. To file a claim, you’ll need to call The Hartford and report your auto claim at 800-243-5860. Our representatives are available 24 hours a day, 7 days a week. You can also report your claim online by visiting our website. Whichever method you chose, The Hartford will make sure the process is easy and stress-free.
Curious what others think of our program and customer service? Check out our ratings page, where our customers have consistently given us superior ratings for their claims experience.

How Members of AARP Benefit from Car Insurance With The Hartford

AARP Auto Insurance Car insurance isn’t a one-size-fits-all. At The Hartford, we know this, which is why we offer car insurance as a benefit to AARP members. Through the AARP Auto Insurance Program from The Hartford, we strive to provide members with as comprehensive coverage as possible.
Every AARP member has different car insurance needs. At The Hartford, our policies can be personalized based on how much you have to protect. Our goal is to help you protect the lifestyle you’ve created, through great rates and extra benefits. Choosing the coverage that’s right for you won’t be a hassle. Our representatives are eager to help you each step of the way.
* "The History of The Hartford,” The Hartford,
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
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 is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.