AARP Car Insurance in California

customers protected by AARP Car Insurance in California
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You can save an average of $597† on car insurance in California with AARP Auto Insurance from The Hartford.
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You could save over $600** when you bundle auto and home.
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Get California Auto Insurance From The Hartford

Whether you’re traveling along the coast or heading to Hollywood, having car insurance in California is essential. AARP® Auto Insurance from The Hartford1 has been protecting AARP members in the Golden State and their families since 1984. You can enjoy car insurance savings of up to 10% just for having an AARP membership.†
 

What Type of Car Insurance Do I Need in California?

AARP auto insurance in California from The Hartford includes customizable car insurance coverage options to meet your unique needs, including:

Liability Coverage

There are two types of liability coverages:

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage and underinsured motorist coverage help cover damages if you are hit by a driver who doesn’t have any or enough car insurance to cover the costs of damages and injuries. This insurance is split into three coverages:

Comprehensive Coverage

Comprehensive insurance pays to repair damage to your car from things like:
  • Natural disasters
  • Theft
  • Vandalism
  • Collision with an animal

Collision Coverage

Collision insurance helps cover the cost to repair or replace your car if you hit another vehicle or object, like a fence.

Medical Payments Coverage

Medical payments coverage is an optional coverage that provides financial assistance for medical expenses and rehabilitation after an accident.2

Personal Injury Protection

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault. In addition to medical bills, PIP also helps cover funeral costs or lost wages.
While California doesn’t require drivers to carry uninsured motorist coverage, it’s still a good idea to have protection. Otherwise, you won’t be fully covered while you’re on the road. So, if a hit-and-run driver crashes into your car and you don’t have adequate coverage, you’d have to pay out of pocket for any vehicle repairs or medical expenses.
 

California Minimum Car Insurance Requirements

Auto liability coverages help provide peace of mind through financial protection. For example, if you rear-end someone, this coverage can help pay to fix their car.
 
Each state also has a minimum amount of required liability coverage. For California, these are:
 
However, you may want more protection to ensure you’re fully covered if you get into an accident.
 
Apart from increasing coverage amounts, drivers typically also include collision and comprehensive coverage on their policies to have a full coverage insurance plan. In fact, if you have a loan or a lease on your car, your lender will likely require you to have these.
The Hartford's car coverage calculator explains what type of insurance is required based on where you live, plus how much additional coverage you may want, depending on your insurance goals.
 

How Much Is Car Insurance in California?

Car insurance costs are based on many personal factors, with where you live being a central one. Each state will have different costs, even sometimes down to the city. Due to this and other details, your unique price may be higher or lower than the average cost of car insurance in California.
 
Location aside, The Hartford’s customers pay between $121 and $162 a month for car insurance on average.† To get your personal AARP member quote, call us at 888-546-9099 or get a quote online in minutes.
female driver feels secure being protected by Car Insurance in California

What Determines California Car Insurance Rates?

California, like many states, rewards good drivers with lower insurance rates. So, if you have a clean driving record, your premium may go down with a safe driver discount. In addition, there are several factors that influence car insurance costs, like your:
 
  • Vehicle type
  • Coverage amounts
  • Driving history

Car Insurance Benefits Offered to California Drivers

AARP members in California can take advantage of exclusive auto insurance benefits with AARP Auto Insurance from The Hartford, including:

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.

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.
 

The Hartford Perks: AARP Car Insurance in California Discounts

The Hartford is proud to be the exclusive provider of auto insurance designed for AARP members. With AARP Auto Insurance from The Hartford, you can save money with a variety of discounts, including:
female driver happy to be protected by California auto insurance

Proof of Car Insurance for California Drivers

If you’re a licensed driver in the state of California, it’s smart to keep a copy of your car insurance ID card and registration in your vehicle. California does accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit Google Play™ or the App Store.™

Staying Safe on California Roads

California has several safe driving laws that help keep you safe while you’re on the roads, including:3

California Seat Belt Laws

California is one of many states that have a primary seat belt law. This means law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.

California Distracted Driving Laws

In California, texting while driving is not allowed at any time. It’s best to keep your cell phone out of reach while behind the wheel.

California Teen Driver Laws

Getting a driver’s license is an exciting time for teens. But there are certain licensing laws required in California. These limit nighttime driving, restrict passengers and mandate the amount of supervised driving practice.

What The Hartford’s Customers in California Are Saying

quote 1
“Very satisfied with the easiness of working with The Hartford.”
 
David, from Stockton, California
review 1
quote 2
“No hassle service from beginning to end. I’m very pleased with The Hartford and would recommend.”
 
Nancy, from Campbell, California
review 2
quote 3
“I was connected with an excellent claims adjuster who clearly explained my options for repairing my vehicle. He handled everything promptly and professionally.”
 
Arthur, from Los Angeles, California
review 3
quote 2
“From beginning to end was smooth and no problems! Very efficient.”
 
Peter, from Sacramento, California
review 4
quote 2
“Professional friendly service, easy to file online.”
 
Chana, from San Luis Obispo, California
review 2
quote 3
“I was pleased with the overall experience and would recommend The Hartford to others.”
 
Neil, from Sherman Oaks, California
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Frequently Asked Questions About California Car Insurance

No matter where they live, The Harford’s customers pay between $121 to $162 a month for car insurance, on average.† While this range is the same for drivers across the country, it’s important to find an insurance company that understands the unique needs of senior drivers. We’re proud to offer the only auto insurance endorsed by AARP, complete with exclusive benefits and savings just for experienced drivers.
The Hartford offers several car insurance discounts to help you save, from bundling home and auto coverages to taking an approved defensive driving course. In fact, AARP members who switch to The Hartford could save an average of $597† on car insurance.

 

No, there is no such thing as AARP insurance. Car insurance from The Hartford, however, is designed exclusively for members. In fact, The Hartford offers the only national auto insurance program endorsed by AARP. To get an auto insurance quote, AARP members can call The Hartford at 888-546-9099. Not a member? We’ll help you sign up.
To get an AARP auto insurance quote from The Hartford, you’ll need to provide:
 
  • Basic personal details, like your name, address and date of birth
  • Vehicle information,*** like make, model and ownership status
  • Details about any additional drivers
  • Information about your current auto insurance policy
*** Tip: Knowing your vehicle identification number (VIN) will get you the most accurate price.

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Car insurance California
 
 
Last Updated: January 28, 2026
 
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
3 Governors Highway Safety Association (GHSA), “State Laws.”
 
^ 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.
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