The Best Auto and Home Insurance Bundle for Seniors

The best home and car insurance bundle for seniors comes from a company you can trust. Since 1984, The Hartford has helped protect AARP members through AARP® Auto and Home Insurance from The Hartford.
Author:
Lily DiGregorio
Lily DiGregorio,Staff Copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Updated: 08/03/2026
Read Time: 6 minutes
Bundle and Save
You can save nearly $1,000** when you bundle your car and home insurance with The Hartford.
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Key Takeaways

  • Bundling your auto and home insurance policies with The Hartford can save you nearly $1,000.**
  • By bundling your car and home insurance with The Hartford, you can save up to 12% on auto insurance and 20% on home, condo or renters insurance.**
  • AARP Auto Insurance from The Hartford also offers additional discounts and benefits for AARP members, including a savings of up to 10% just for being a member.†

What Makes the Best Car and Home Insurance for Seniors?

Choosing the best home and auto insurance for seniors can feel overwhelming. There are many providers to compare. But the cheapest option isn't always the best one.
 
The Hartford has helped protect AARP members and offered exclusive member benefits for more than 40 years. Customers rate their claims experience 4.7 out of 5 stars, based on more than 21,000 reviews.* That track record has made The Hartford a trusted provider of home and car insurance for seniors.
 

Types of Homeowners and Auto Insurance Bundles for AARP Members

Depending on what type of home you live in, The Hartford offers several options for bundling coverages, such as:
 
  • Home and Auto: You can save money by bundling your homeowners and car insurance policies.
  • Renters and Auto: Do you live in an apartment or rent a house? Bundling renters insurance with auto insurance can get you discounts on both policies.
  • Condo and Auto: If you live in a condo, you can bundle your condo insurance with your auto insurance to save money.

How The Hartford Compares for Senior Auto and Home Bundles

When you're comparing home and auto insurance bundles for seniors, it helps to see how providers stack up. AARP Auto and Home Insurance from The Hartford is built specifically for AARP members who are 50 and older. The program offers discounts and claims services designed for mature drivers and homeowners.
 

What Sets The Hartford’s Bundles Apart for AARP Members?

  • Exclusive AARP member discount of up to 10% just for enrolling.†
  • Bundling savings of up to 12% on auto insurance and up to 20% on home, condo or renters insurance.**
  • A 4.7 out of 5 claims satisfaction rating from more than 21,000 reviews.**
  • More than 40 years of experience helping protect AARP members.

How Much Is AARP Auto Insurance From The Hartford?

On average, The Hartford’s customers pay these prices for auto insurance:2
Age The Hartford Avg. Annual Premium The Hartford Avg. Monthly Premium
50-59 $2,349 $196
60-69 $2,001 $167
70+ $1,889 $158

Exclusive AARP Member Discounts on Bundled Auto and Home Insurance for Seniors

We know saving your hard-earned money is important. That’s why The Hartford offers multiple ways for AARP members to save on their insurance costs.
Bundling can save you nearly $1,000 on your auto and home policies with The Hartford.**

Discounts for Car Insurance

In addition to bundling, there are several ways you can help keep car insurance costs down. Some discounts you may qualify for with The Hartford include:
 
  • Vehicle Fuel Type: At The Hartford, it’s not just how you drive, it’s what you drive. You may get extra auto insurance driver discounts if your car is a hybrid or electric vehicle.
  • Good Payer Discount: You can save up to 10% just for paying your bill on time.
  • Paid-in-Full Discount: Extra discounts apply if you pay your bill in full instead of making monthly payments.
  • Quote Online Discount: When you start a car insurance quote from The Hartford online, you can save up to 8%.
The Hartford also offers discounts for safe drivers, including driver education and training:
 
  • Drive Safe and Save: Drive your price with our TrueLane Program.^ You’ll save up to 15% when you sign up within 60 days of your first policy.^ Plus, you could earn a renewal discount of up to 40%, depending on your safe driving habits. Riskier habits may result in a higher premium.
  • Safety Feature Discount: Receive an additional savings if your car has anti-lock brakes, more than one airbag or other safety features.
  • Safe Driver Training Discount: If you have a younger driver on your policy, you can save on car insurance rates for drivers under 21 years old (under 25 in Georgia) if they complete an approved training course.
  • Defensive Driver Course Discount: By completing an approved defensive driver course, you can enjoy a discount of up to 5% on your car insurance for the next three years.
woman pleased by having the Best Car Insurance Rates for Seniors

How To Get an AARP Auto and Home Insurance Quote

Getting a quote for AARP Auto and Home Insurance from The Hartford takes just a few minutes. You can get a quote online or call 888-546-9099 to see how much you can save.

Frequently Asked Questions About Homeowners and Auto Insurance Bundles for Seniors

The best homeowners and auto insurance bundle for seniors offers the right coverage at an affordable price, while also providing excellent service when customers need help. The Hartford has helped protect AARP members on the road and at home for more than 40 years.
With AARP Auto Insurance from The Hartford, seniors can pay as little as $87 per month for car insurance.*** However, car insurance rates are complex, and your price will be based on many unique factors, such as:
 
  • Location
  • Type of vehicle
  • Amount and type of coverage
  • Driving record
According to Bankrate, the average cost of homeowners insurance in 2025 was $2,470.4 Like car insurance, home insurance rates for seniors can also differ from the national average based on factors, like:
 
  • Zip code
  • House size
  • Claims history
It depends. As a group, senior drivers are considered relatively safe on the road, driving fewer miles and modifying driving habits in poor driving conditions. This can lead to lower car insurance costs. At The Hartford, we believe in rewarding experienced drivers. That’s why AARP Auto Insurance from The Hartford offers exclusive benefits and savings for AARP members, including a savings of up to 10% for simply having an AARP membership.
 
However, some studies have shown that your risk of being involved in a fatal accident for every mile driven increases with age, which could impact the cost of car insurance for seniors.3 To learn more and get your personal AARP member quote, call The Hartford at 888-546-9099.
AARP members can save up to 10% on their auto and home insurance.† Additional savings may be available for bundling policies, paying in full, paying on time and enrolling in the TrueLane program.^ TrueLane is a mobile app that recognizes and rewards safe driving habits. It’s important to remember that riskier driving habits can result in a higher premium.
Yes. AARP membership is required for eligibility in most states.
Yes. AARP Auto and Home Insurance from The Hartford lets you bundle your auto insurance with homeowners, condo or renters insurance to help you save on both policies.
The Hartford offers optional coverages and benefits that can add extra financial protection for AARP members, such as:
 
  • 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.‡

Related Articles

2 Auto insurance rates by age range from 9/1/24 to 8/31/25.
3 Insurance Information Institute (III), Senior Driving Safety and Insurance Tips,” viewed July 2026.
 
4 Bankrate, “National Average Cost of Home Insurance in the United States is $2,470,” viewed July 2026.
 
^ 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 TX by Hartford Accident and Indemnity Company; 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 TX by Hartford Insurance Company of the Southeast; 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.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.