AARP Auto Insurance Program From The Hartford

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

Great Rates & Rewards on AARP Auto Insurance From The Hartford

The AARP® Auto Insurance Program from The Hartford1 has offered special car insurance pricing and benefits to AARP’s nearly 40 million members since 1984. Switch your car insurance to the AARP Auto Insurance Program from The Hartford and save. Enjoy great auto insurance rates and rewards that recognize your driving experience and the extra benefits you deserve with your AARP membership. You may even be eligible for additional car insurance discounts.
To learn more about the AARP Auto Insurance Program from The Hartford and the savings and benefits you may qualify for, get a car insurance quote today. It’s easy! In eight minutes or less, you can complete your free quote and discover exclusive online savings.
With our Advantage Program, car insurance coverages include:

Lifetime Renewability Auto Insurance

Once you have an automobile insurance policy with The Hartford, your coverage will be renewed for as long as you’re able to drive. Just meet a few simple requirements, such as maintaining a valid driver’s license and paying your premiums.

12-Month Auto Insurance Rate Protection

You can relax knowing your low car insurance premium is locked in for a full year. This sets The Hartford apart from other insurers who may change rates every six months.

RecoverCare§ – Assistance After an Accident

When you choose the AARP Auto Insurance Program from The Hartford, we’re here for you if you’re injured in an automobile accident.
RecoverCare coverage provides reimbursement for essential home services you cannot perform yourself after a covered accident. For example, it can help cover the costs of services like house cleaning, lawn maintenance, snow removal, transportation services, food preparation, and even dog walking.
If an injury from an accident is preventing you from driving to work, RecoverCare coverage can help cover the costs to pay for a taxi. Or if you need to go to the supermarket, this coverage can help cover the costs to have the groceries delivered to you.

New Car Replacement Coverage

If you total your new car within the first 15 months or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model, and equipment – with no deduction for depreciation.§§
For example, if your 1-year-old car is involved in a car accident and is considered a total loss, this auto coverage helps replace it. We make it a priority to get your life back on track after experiencing a covered incident.

Lifetime Car Repair Assurance

After a covered claim, we’ll help you find a trusted repair service, so you don’t have to go through the hassle.
If you use one of the 1,600+ authorized repair shops in our approved network, we will stand behind the quality of covered repairs for as long as you own or lease your vehicle.

24/7 Car Insurance Claims Hotline

Accidents can happen any time of day or night, and you deserve an automobile insurance company that can respond immediately – no matter what time you call. You can file a claim with our claims reporting service 24/7, at 877-805-9918, and we’ll walk you through the car insurance claims process for AARP members. Our 6-point Claim Commitment is your assurance of getting prompt, caring service throughout your claims experience.
Whether it’s early in the morning or late at night, our team is available to help you report a claim on your auto policy.

Enjoy Even More Car Insurance Protection

Advantage Plus Program

Our auto insurance policies are designed to help protect you in various ways. Depending on your policy, coverages can vary. From accident forgiveness to receiving legal representation for accidents, compare the ways our Advantage and Advantage Plus programs include different coverages to help protect you and your car.
In addition to the auto coverage features and benefits of our Advantage program mentioned above, our Advantage Plus package includes additional auto insurance savings, such as:

First Accident Forgiveness

Everyone makes mistakes once in a while. We understand that. That’s why if all of the drivers on your car insurance policy have a clean driving record for five consecutive years, you’ll qualify for first accident forgiveness.
After you qualify for this coverage, your first accident will be forgiven. And your car insurance premium won’t increase as a result of the accident.

Disappearing Deductible for Auto Insurance

 Get a free Car Insurance quote from the AARP Auto Insurance Program from The HartfordWe believe in rewarding great drivers. With our disappearing deductible, your collision deductible on your car insurance policy will go down each year – all the way to $0 – as long as you maintain a clean driving record.

One Deductible

If you file an auto insurance claim for the same loss involving two of your vehicles that are covered by a car insurance policy with The Hartford, you will pay only one deductible – whichever is higher – for the covered losses to the vehicles. This benefit also applies if your car and home are involved in the same covered loss and you carry homeowners insurance with The Hartford. You'll pay only the highest deductible.‡‡

Waiver of Deductible for a Not-At-Fault Accident

In most cases, if you are not at fault in an accident, The Hartford will waive your collision deductible. Not available in all states.

$100 Deductible Reduction

Typically, even if you’re not at fault, you may have to pay out of pocket for repair costs that fall below the deductible amount of your car insurance policy. With The Hartford as your car insurance company, you can have your car repaired at any shop you choose. However, when you elect to use a shop authorized by The Hartford for vehicle repair, we will reduce your collision deductible by $100. Not available in all states.

Bundle and Save With the AARP Auto and Home Insurance Program From The Hartford

Cover your car and home with the AARP Auto and Home Insurance Program from The Hartford and save on both. Save up to 5% on auto insurance and up to 20% on condorenters or home insurance by bundling them with us.

More Answers to Frequently Asked Auto Insurance Questions

§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
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.