Car Insurance Discounts & Savings

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

How to Save on Car Insurance

We help make great car insurance more affordable. There are so many ways to save on car insurance with The Hartford. Do you want to lower your car insurance premium? Let us help you get all the savings you deserve with the AARP® Auto Insurance Program from The Hartford.1 To learn more, get a car insurance quote.
One of the best ways to save on car insurance is by opting for quality coverage. Whether your vehicle is involved in an accident with another vehicle, or it’s damaged by a falling tree branch or vandalism, our auto insurance can help cover the costs of damages. Without it, you may have to pay out of pocket for the repairs. Don’t be fooled by “discount” insurance that may not help cover costs when an accident happens.

Hear What Customers Say About The Hartford's Auto Insurance Discounts

“Came to Hartford because they offered a big price savings versus my previous supposedly 'discount' insurer. Staying with Hartford for the great claims service which exceeded my expectations by a big margin.”
“The process was quick and easy. I was with the same insurance company for 27 years and was a very tough decision to change. The savings is significant and would recommend it highly, based on the claims departments professional team that handled my claim. Not easy to say in Texas.”
“I had been with my former insurance company for 30 plus years. The savings have been great through Hartford. This company is well worth checking out.”
“My claim was handled professionally, quickly, and compassionately, as well as thoroughly. I had no worries or stress about any of the steps. The auto body shop handled the rental car delivery and pick up. My car was done in the time period that was stated and the job was excellent. No complaints at all. I also had the nice surprise of discounts applied toward my deductible for using this particular shop and for my good driving record.”
“We only recently (within the last year) switched our insurance to Hartford and unfortunately already had to make a claim regarding one of our cars. Every single person we have been in contact with through Hartford has been professional, compassionate, helpful and prompt! So happy we switched, not only for the savings but for better service than we've ever experienced! Thank you Hartford team!”

Safe Vehicle Discounts

Anti-Theft Device

Save money on comprehensive automobile insurance coverage if your car has active or passive anti-theft devices such as alarms and tracking devices.

Air Bags

Take advantage of additional savings when your car has air bags. Save more on your AARP auto insurance policy if it’s equipped with more than one airbag.

Vehicle Fuel Type

Receive an additional auto insurance discount on your hybrid or electric vehicles.​​​

Discounts for Driver Training and Education

Driver Training Discounts

Get a credit on your premium for drivers under 21 years old (under 25 in Georgia) who successfully complete an approved training course.

Good Student Discounts

Receive a car insurance credit* for any driver between 16 to 25 years old who is a full-time student in high school or at a college, university or vocational technical school and achieves one of the following:
  • Is in the upper 20% of his/her class scholastically
  • Maintains a B average or equivalent
  • Maintains at least a 3.0 grade point average (out of 4.0)
  • Makes the Dean’s List, Honor Roll or comparable list
Simply provide proof of eligibility (such as a report card) when you renew your car insurance policy to show that the student met the requirements during the most recently completed semester.

Defensive Driver Course

Enjoy a discount for the next 3 years when you complete an approved defensive driver course. Just send us a copy of your certificate and we’ll apply the credit to your car insurance premium.

Additional Ways to Save on Car Insurance

Bundle Insurance Savings**

Cover your car and home with AARP® Auto and Home Insurance from The Hartford and save on both. Save up to 5% on auto insurance and 20% on home/condo/renters insurance by bundling them with us.

Paid-in-Full Discount

Obtain an additional discount when you select to pay your bill in full.
* The owner or operator is at least 16 years of age and a full-time student in: high school, or college or university, or vocational technical school. A certified statement from a school official is presented to the company on each anniversary date indicating that the student has met one of the following requirements during the immediately preceding school semester: is in the upper 20% of his/her class scholastically or maintains a “B” average or its equivalent. If the letter grading system cannot be averaged then no grade can be below “B,” or student must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent, or student is included in a “Dean’s List,” “Honor Roll” or comparable list indicating scholastic achievement.
** Actual bundled savings will vary depending on the rates applicable in your state and the individual characteristics applicable to the home and auto policies issued.
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.