AARP Auto Insurance From The Hartford

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Pay as little as $78*** 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 over $800** 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
$577
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.
 
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,1 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 I 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 $577† 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
$577
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?

Select a state using the map or dropdown menu. Note: Coverage is not available in all states. Or you can browse All States Car Insurance coverages to see what your state requires.
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Frequently Asked Car Insurance Questions

The Hartford offers several car insurance discounts to help you save, from bundling home and auto coverage to taking an approved defensive driving course. In fact, AARP members who switch to The Hartford could save an average of $577† on car insurance.
Yes, most states require drivers to have auto insurance. AARP vehicle coverage from The Hartford can help you stay compliant with state laws.
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.
On average, The Hartford’s customers pay between $121 and $162 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.
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.
 
To get a quote for car insurance, AARP members can call The Hartford today at 888-546-9099. We’ll even help you sign up if you don’t have an AARP membership.
When you’re looking into multiple car insurance quotes, make sure your coverages and deductibles are the same. If you’re unsure how much protection you should have or any coverage limitations that may apply, our car insurance calculator can help you decide. Remember to also pay attention to any discounts you may be eligible for when shopping for car insurance quotes. It can be helpful to keep policy documents handy from your prior auto insurance company.
The Hartford is proud to offer the only auto insurance endorsed by AARP. That means we can provide exclusive benefits and discounts to help AARP members save and reward experienced drivers. Plus, our customer service representatives understand the unique needs of drivers age 50 and over and are ready to help you customize your coverages, so you can get the protection you need without breaking the bank.

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Coverage for Other Vehicles

 
 
Last Updated: January 7, 2026
 
2 Auto insurance rates by age range from 9/1/22 to 8/31/23.
 
^ Not available in all states, terms and conditions apply.
 
*** Based on Maine Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. 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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