Since 1984, The Hartford has offered exclusive benefits and car insurance discounts for AARP members, plus customizable coverage to meet the unique needs of senior drivers.
Author:
Quote Today
Key Takeaways
- AARP members who switch to The Hartford can save an average of $597† on auto insurance for seniors.
- On average, The Hartford’s customers pay between $158 and $196 a month for car insurance.2
- From bundling policies to completing approved defensive driving courses, The Hartford offers several ways to save on senior auto insurance.
Car Insurance Made for Senior Drivers
Whether you’ve changed your driving habits or are looking to buy a new vehicle, it’s important to find an insurance company that understands the needs of senior drivers. At The Hartford, we understand that car insurance needs evolve as you get older, earning us the reputation of being one of the most trusted auto insurance companies for seniors.
With AARP® Auto Insurance from The Hartford,1 you can take advantage of customizable coverage options to fit your needs while saving money. Plus, you can enjoy exclusive benefits for seniors, like saving up to 10% just for being an AARP member.†
The Best Car Insurance for Seniors
Seniors should look for several factors when weighing car insurance options, like:
- Comprehensive coverage
- Availability of endorsements and add-on coverages
- 24/7 roadside assistance and claim service
- Special discounts for senior drivers
- Positive car insurance reviews
For over 40 years, The Hartford has served as the exclusive provider of auto insurance designed for AARP members. Bringing specialized knowledge to everything we do, we’ve created guides to support you through life’s milestones and transitions.
How Much Is Auto Insurance for Senior Drivers?
Seniors’ auto insurance rates vary because every driver has unique needs. Here are the average costs The Hartford’s customers pay for auto insurance based on age group:2
It’s important to remember that what you pay for car insurance is based on many personal factors, such as your:
- Location
- Driving history
- How many miles you drive per year
- Discounts selected
To learn more about coverage options, benefits for senior drivers or how much your car insurance will cost, call The Hartford at 888-546-9099 or get a car insurance quote for seniors online today.
Not Sure How Much Coverage You Need?
Every state has different minimum car insurance requirements, but you may need more protection to enjoy peace of mind on the road. The Hartford's car coverage calculator will explain what's required where you live, plus how much additional coverage you may want.
Unsure About Your Coverage?
Answer three quick questions to learn which coverage might be right for you.
Why Do We Ask This?
States have requirements for how much car insurance coverage drivers must have. The minimum required amount can vary for bodily injury liability, property damage liability and uninsured and underinsured motorist coverage.
Why Do We Ask This?
If you lease or finance your car, the lender or leasing company typically has coverage requirements and may have to be named on the policy.
Why Do We Ask This?
Everyone has different needs for car insurance. If you want to pay less for coverage, you'll have higher out-of-pocket costs with a claim. If you want the most protection, you'll pay more for coverage but have lower out-of-pocket costs with a claim.
Ways To Save on Senior Auto Insurance
AARP members who switch to The Hartford can save an average of $597 on their car insurance.† That’s because The Hartford offers senior discounts and exclusive benefits to help you save on costs. Here’s how you can save on car insurance:
Bundle your home and auto insurance policies to save nearly $1,000 with AARP Auto and Home Insurance from The Hartford.**
Sign up for The Hartford’s TrueLane Program, a usage-based smartphone app that recognizes and rewards safe driving. You’ll save up to 15%^ when you sign up within 60 days of your first policy. Plus, you can earn a renewal discount of up to 40%, depending on your safe driving habits.
Maintain a clean driving record and stay accident free to help save money. That’s because at The Hartford, we believe in rewarding good drivers.
Complete approved driving courses, like a defensive driver course. These courses can grant you a discount for up to three years on your car insurance.
You can save up to 10% on your car insurance for just being an AARP member.†
5 Ways Seniors Get the Best Auto Insurance Rates
As an experienced driver, you deserve car insurance that protects you and your loved ones without breaking the bank. When you’re shopping for car insurance, be sure to follow the steps below.
1. Compare Quotes
Car insurance rates can vary by company, so compare insurance quotes to help determine if you’re getting the right policy at the right price.
2. Look for a Policy Designed for Seniors
With car insurance, seniors are more likely to find insurance coverage that meets their needs if they look for policies that are specifically designed for older drivers.
3. Adjust Coverage To Meet Your Needs
Auto insurance for seniors isn’t a one-size-fits-all coverage. Even if you don’t need full coverage car insurance, it’s important to make sure your policy has enough protection for you. Remember, the cheapest car insurance for seniors isn’t necessarily the best. Auto insurance should strike a balance between affordability and quality coverage, especially as needs evolve with age.
4. Review Requirements in Your State
Coverage requirements are different in each state.Coverage limits and deductibles are some of the many factors that influence senior car insurance rates, so costs will vary. The best way to learn about required coverages and costs in your state is to get a quote.
5. Bundle Your Home and Car Insurance
There are many senior discounts you can take advantage of to get the best rate. One discount that saves you money and time is bundling homeowners and auto insurance for seniors. With AARP Auto and Home Insurance from The Hartford, you can save $963 just by combining your auto and home insurance policies.**
Frequently Asked Questions About Car Insurance for Seniors
At What Age Is Car Insurance Most Expensive?
Age is just one factor when calculating the cost of car insurance. Typically, young drivers are considered higher risk, and their annual premiums reflect that. Car insurance costs decrease with age, as you are considered more experienced on the road and less likely to cause an accident.
What Is the Best Insurance for Seniors?
As an experienced driver, it’s important to get car insurance that fits your specific needs. The Hartford is proud to offer the only auto and home insurance program endorsed by AARP for over 40 years and counting.
Can I Save Money on Car Insurance With AARP?
As the official provider of AARP Auto Insurance from The Hartford, we offer exclusive benefits and discounts to help reduce the cost of car insurance for seniors. For example, The Hartford offers a low mileage discount and car insurance savings of up to 10% just for being an AARP member.†
You can also bundle homeowners and auto insurance and save $963.**
Do Car Insurance Rates Increase for Seniors?
Is car insurance cheaper as you get older? Usually, yes. As a group, mature drivers are considered relatively safe on the road and are low-mileage drivers. This can lead to lower car insurance costs. Designed for experienced drivers, the AARP Auto Insurance Program from The Hartford offers exclusive benefits and additional savings for AARP members who are safe on the road.
However, it’s important to remember that many factors determine car insurance costs. To learn more and get your personal AARP member quote, call The Hartford at 888-546-9099.
Customer Reviews
“I was rear-ended by a hit and run driver. The Hartford made a bad experience much easier to manage.”
Retired senior
“The Hartford staff provided me with a rental car and even extended my rental for a few days. Excellent service provided for all aspects of my claims experience.”
Bill the senior
“Although I was embarrassed about backing into a sign, the claims people with whom I spoke were not judgmental. They made me feel comfortable. … The Hartford works well with seniors.”
Cas
“This was the first time I had an accident. … The whole process took less than 2 weeks and I'm thrilled with my new car. THANK YOU The Hartford!!!!!!!”
Frieda, a very happy Senior citizen!
“We dreaded going through this process, so we were surprised, even amazed, at how smoothly it went. … This company knows how to get things done and keep their customers happy.”
Senior driver
“First time and having a total loss vehicle which we have had for over 12 years with really no problems. It was a very emotional experience to have to let the car go and The Hartford made it really easy and comfortable for me.”
Senior citizen
2 Auto insurance rates by age range from 9/1/24 to 8/31/25.
^ Not available in all states, terms and conditions apply.
*** Based on Iowa Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
† 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.