How can seniors get a car insurance quote from The Hartford?

Seniors can get a car insurance quote from The Hartford online, by calling 888-546-9099, or by working with an insurance agent. Having information like your driver's license number, vehicle registration, and current auto policy details ready can help streamline the process.

Car Insurance Quotes for Seniors: Quick and Simple

Q: Why do seniors pay more for car insurance?

Seniors may pay more for car insurance because, as drivers age, their risk of getting into an accident increases. While older drivers over 50 are generally safe and may qualify for discounts, those over 70 may face higher rates due to increased risk.

Q: What is the cheapest car insurance for senior citizens?

The cheapest car insurance for senior citizens isn't always the best coverage. It's important to check the policy for the right amount of coverage needed. Seniors can save on car insurance by finding discounts such as bundling insurance, paying in full, and maintaining a clean driving record.

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Key Takeaways

Since 1984, The Hartford has offered car insurance exclusively for AARP members through the AARP^® Auto Insurance Program from The Hartford.¹
The cost of car insurance for seniors is complex and based on different personal factors, like your vehicle type, driving history and coverage limits, so it can make sense to compare multiple quotes.
You can get car insurance The Hartford for as little as $87*** a month by quoting online or calling 888-546-9099.

Get a Free Online Seniors Insurance Quote

Your car insurance needs change over time. As you age, your budget and coverage limits may need to be updated. That’s why it’s important to have a car insurance provider that offers customizable coverage with seniors in mind. With your AARP membership, you can take advantage of exclusive benefits and discounts on your car insurance through the AARP Auto Insurance Program from The Hartford.For 40 years, we’ve been helping keep mature drivers and their loved ones safe on the road at a price they’ve earned.

One way to find the coverage you need is to compare car insurance quotes for senior citizens from multiple insurance companies. From there, you can look at car insurance costs and choose the policies that best fit your needs.

To learn more about car insurance for seniors get a quote online from The Hartford or call 888-546-9099 today.

Compare Quotes for Senior Citizen Car Insurance in Your State

Car insurance rates for seniors are complex, and based on different personal factors like your:

Type of vehicle
Driving history
Amount of coverage

There are also state requirements for car insurance coverage that can impact your price. For instance, car insurance in Florida for seniors is likely different from car insurance for seniors in Georgia.

In Florida, you’ll need at least:

$10,000 for property damage per accident
$10,000 for personal injury protection (PIP), per person

In Georgia, you’ll need at least:

$25,000 for bodily injury, per person per accident
$50,000 for bodily injury, total per accident
$25,000 for property damage per accident

At The Hartford, we know car insurance can be overwhelming, but it doesn’t have to be. We can work with you to understand your needs and help you get the coverage you need while helping you save money. In fact, experienced drivers can pay as little as $87^*** a month on car insurance with The Hartford. Get a quote today to see how The Hartford can help protect you on the road without breaking the bank.

man getting Car Insurance Quotes for Seniors

How To Get a Quote for Car Insurance

To get car insurance from The Hartford, you can quote online or call a representative at 888-546-9099. You’ll need to provide:

Basic personal details, like your name, address and date of birth.
Vehicle information, like make, model and ownership status. Tip: Knowing your Vehicle identification number (VIN) will provide the most accurate price.
Details about any additional drivers who will be on the policy, including their names and basic personal information.
Information about your current auto insurance policy.

Common Questions About Car Insurance Quotes

Why Do Seniors Pay More for Car Insurance?

As an insurance company with more than 200 years of experience, we’re often asked, “Is car insurance cheaper as you get older?”

There isn’t a simple answer to this question. 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. Designed for experienced drivers, the AARP Auto Insurance Program from The Hartford offers exclusive benefits and savings for AARP members who are safe on the road.

However, it’s important to remember that car insurance costs are dependent on many different factors. Some studies have shown that your risk of being involved in a fatal accident increases with age for every mile driven, which could impact the cost of car insurance for seniors.²To learn more and get your personal AARP member quote, call The Hartford at 888-546-9099.

What Is the Cheapest Car Insurance for Senior Citizens?

AARP members who switch to The Hartford can save an average of $577^† on their car insurance. As the provider of the only auto insurance program endorsed by AARP, The Hartford offers exclusive benefits and car insurance discounts for seniors, such as:

Bundle insurance savings: Bundling your homeowners and auto insurance for seniors with The Hartford can help you save money. In fact, you’ll save up to 12% on your auto insurance and up to 20% on your home, condo or renters insurance.**
Paid-in-full discount: We’ll apply extra discounts if you pay your bill in full instead of making monthly payments.
Disappearing deductible: This optional benefit can reduce your collision deductible on your car over time, as long as you keep a clean driving record.^‡
Accident forgiveness: We’ll forgive your first accident as long as all drivers on your policy have a clean driving record and are accident-free for five straight years.^‡
Driver safety courses: We know how important safe driving is. That’s why we offer safe driver discounts for completing defensive driving courses or driver 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.

Keep in mind that the cheapest car insurance for senior citizens isn’t always the best coverage. So, it’s important to check your policy to make sure it has enough coverage.

The best way to get affordable auto insurance for seniors is to find senior discounts.

² Insurance Information Institute (III), “Senior Driving Safety and Insurance Tips”

^{^} 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.