The Best Auto and Home Insurance for Seniors

The best car and home insurance for seniors comes from an insurance company you can trust and gives you the protection you need at a price you’ve earned. The Hartford has been protecting AARP members since 1984 through the AARP® Auto and Home Insurance Program from The Hartford.1
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
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Updated: 01/12/2026
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

  • The AARP Auto and Home Insurance Program from The Hartford has been protecting AARP members on the road and at home for over 40 years.
  • Bundling your auto and home insurance policies with The Hartford can save nearly $1,000.**
  • The AARP Auto Insurance Program from The Hartford also offers additional discounts and benefits just 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?

If you’re wondering how to get the best home and auto insurance for seniors, we can help. The Hartford knows there are many home and car insurance companies out there, making it challenging to decide which provider is right for you. However, it’s important to note that companies that offer the cheapest car insurance may not be the best.
 
We’ve been helping protect AARP members and offering exclusive benefits for over 40 years. With our high ratings for customer service and claim satisfaction, The Hartford has earned a reputation as a trusted provider of home and car insurance for seniors.
 

How Much Is the AARP Auto Insurance Program from The Hartford?

On average, The Hartford’s customers pay the following prices for auto insurance:2
Age The Hartford Avg. Annual Premium The Hartford Avg. Monthly Premium
50-59 $1,942 $162
60-69 $1,517 $126
70+ $1,450 $121

Discounts and Savings for Auto and Home Insurance From The Hartford

We know saving your hard-earned money is important. That’s why The Hartford offers car insurance discounts for seniors.
woman pleased by having the Best Car Insurance Rates for Seniors

Bundling Home and Auto Insurance for Seniors Can Save Money

One of the easiest ways to save is to bundle your car and home coverage with the same insurance company. In fact, you can save nearly $1,000** on your auto and home policies by bundling with the AARP Auto and Home Insurance Program from The Hartford.
Bundling can save you nearly $1,000** on your auto and home policies with The Hartford.

Types of Homeowners and Auto Insurance Bundles

Depending on what type of home you live in, The Hartford has several options when it comes to bundling coverages, including:
 
  • 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.

Additional Discounts for Car Insurance

In addition to bundling, there are several ways you can help keep car insurance costs down. From maintaining a clean driving record to taking advantage of car insurance discounts for seniors, The Hartford makes it easy for seniors to save. Some of the discounts you may qualify for 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.
  • 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 related to safe driving and driver education and training, like:
 
  • 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: 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.

Senior Homeowners and Auto Insurance Frequently Asked Questions

Does car insurance get cheaper as you get older? The answer is yes and no. 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 who are safe on the road. That’s why the AARP Auto Insurance Program 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.
   
With the AARP Auto Insurance Program 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 attributes. This is why it’s important to compare quotes. Some factors that determine car insurance costs include your:
 
  • Location
  • Type of vehicle
  • Amount and type of coverage
  • Driving record
According to 2024 average rates, the cost of homeowners insurance is $2,304 annually.4 Like car insurance, home insurance rates for seniors can also differ from the national average based on different factors, like:
 
  • Zip code
  • House size
  • Claims history

Related Articles

 
 
2 Auto insurance rates by age range from 9/1/22 to 8/31/23.
 
3 Insurance Information Institute (III), “Senior Driving Safety and Insurance Tips”
 
4 Bankrate, “Home Insurance Rates by State for December 2024”
 
^ 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.