Understanding AARP Age Requirements and Membership Limits

What Is the Minimum AARP Age Requirement?

While designed for people over 50, the minimum age for an AARP membership is 18. But to be eligible for exclusive benefits and savings with AARP Auto and Home Insurance from The Hartford, you need to be at least age 50.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Updated: 01/12/2026
Read Time: 5 minutes
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Key Takeaways

  • AARP memberships come with many perks, one of them being exclusive access to savings and benefits through AARP® Auto Insurance from The Hartford.1
  • Requirements for AARP Auto Insurance from The Hartford are easy and include being at least age 50 and having an AARP membership.
  • If you’re not an AARP member, The Hartford can help you sign up when you purchase an insurance policy with us.

Is AARP Membership Worth the Cost?

With a full-year fee of $20 a year, AARP memberships offer several benefits and savings opportunities. Your AARP membership card unlocks discounts on car insurance and home insurance from The Hartford, as well as savings on travel, including car rentals, restaurants, shopping and groceries. AARP members can also enjoy the bi-monthly publication called AARP The Magazine and can take advantage of automatic renewal options without any upgrade fees. To learn more about the benefits available for AARP members through The Hartford, call us at 800-546-9099.
 

What Is the Minimum AARP Age Requirement To Get Auto Insurance From The Hartford?

You must be at least 50 years old and an AARP member to purchase a policy with AARP Auto Insurance from The Hartford. But age limitations don’t apply to your family members; you can add your spouse or children to your policy, even if they are under 50. 
For over 40 years, The Hartford has offered the only national auto and home insurance endorsed by AARP. We’re an insurance company that truly understands the unique needs of people who are 50 and older. That’s why many AARP members in their 50s, 60s and 70s appreciate that The Hartford's car insurance for seniors provides customizable coverage options and benefits designed with experienced drivers in mind.

Car Insurance Benefits and Discounts for AARP Members

The Hartford offers a variety of discounts and benefits for AARP members through AARP Auto Insurance from The Hartford, including:

AARP Car Insurance Discounts and Savings

You can save up to 10% just for being an AARP member.† Plus, you’ll be eligible for extra discounts when you take a defensive driving course or pay in full, to name a few examples.

Accident Forgiveness‡

We understand every driver makes mistakes. If 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.

Home and Auto Insurance Bundle

You can save nearly $1,000 when you bundle your auto and home insurance policies with The Hartford.**

RecoverCare§

If you’re injured in a car accident, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you may need, including pet care.

New Car Replacement§§

If you total your new car, we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.

Roadside Assistance

The Hartford’s customers get access to 24/7 nationwide emergency roadside assistance benefits. Roadside assistance plans include towing service, locksmith service, flat-tire service and more.
car protected because its owner knows car insurance age requirements

Get a Car Insurance Quote From The Hartford Today

For over 40 years, AARP Auto Insurance from The Hartford has offered exclusive car insurance benefits and discounts to AARP members. To see how much you can save, get an online car insurance quote or speak with The Hartford at 800-546-9099 today.

Frequently Asked Questions About AARP Age Requirements

As the provider of the only auto insurance endorsed by AARP, we’re often asked, “Is there an age limit for AARP?” and “What is the AARP eligibility criteria?” While AARP is designed for people over 50, the membership age requirement is actually 18 or older. However, to be eligible for AARP Auto and Home Insurance from The Hartford, you must have reached the age of 50.
The cost of an AARP membership is $20 a year, which grants you access to savings on travel, restaurants, shopping and groceries. The AARP membership age limit is 18 years or older, which means these perks apply to any of their members. 
By joining AARP, you can take advantage of exclusive benefits for AARP members, including Auto and Home Insurance from The Hartford.
The AARP auto insurance age requirement to get a policy from The Hartford is 50 years old. Wondering about other AARP membership requirements or how to become an AARP member? The Hartford makes it quick and easy. We’ll help you sign up when you purchase your insurance policy from us.
By joining AARP, you get access to a wide range of exclusive discounts and benefits for AARP members, including insurance savings and discounts with Auto and Home Insurance from The Hartford.
If you’re looking for AARP auto insurance for seniors, The Hartford makes it quick and easy to become an AARP member and get the coverage you need. When you purchase your policy, we’ll help you sign up for AARP. Typically, you just need to provide payment information and confirmation of your age.

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† 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.