- Accident forgiveness and new car replacement available (accident forgiveness is not available in California).
- Discounted rates for AARP members who are at least 50 years old.
- No age requirement for a spouse or partner, if you’d like to add them to your policy.
- Discounts for good driving (TrueLane).
- Wide range of coverage options, including RecoverCare.
- Higher than average level of customer complaints.
- Only available to AARP members age 50+.
- You may find cheaper car insurance elsewhere.
Does AARP have good car insurance?
AARP car insurance is offered through The Hartford, which has a high level of consumer complaints, according to data from the National Association of Insurance Commissioners (NAIC). It also has higher-than-average rates for older drivers when compared to insurers in our rating of the best car insurance for seniors.
AARP members age 50 and older can get a discount on auto insurance through The Hartford via the AARP Auto Insurance Program. This partnership between AARP and The Hartford has existed since 1984.
The Hartford offers unique coverage options to AARP members, including RecoverCare, which offers assistance to members after an accident for up to $2,500, including:
- Cooking.
- Food prep.
- House cleaning.
- Lawn maintenance.
- Transportation.
How much does AARP car insurance cost?
AARP auto insurance is only available to AARP members, who must be 50 or older to take advantage of age-restricted insurance products with The Hartford. AARP advertises that its members save an average of $507 a year on car insurance premiums with The Hartford, but your savings may vary.
Car insurance from The Hartford costs an average of $3,047 a year for a good driver who is 60 years old.
We ran quotes for a few driver profiles to calculate the average annual cost of car insurance for good drivers between the ages of 60 and 80. See how The Hartford compares, before any AARP car insurance discount is applied.
| AGE 60 | AGE 65 | AGE 70 | AGE 75 | AGE 80 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $1,256 | $1,280 | $1,348 | $1,468 | $1,635 | ||||||||
|
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| $1,340 | $1,388 | $1,484 | $1,650 | $1,892 | ||||||||
|
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| $1,358 | $1,420 | $1,517 | $1,699 | $1,939 | ||||||||
|
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| $1,617 | $1,690 | $1,793 | $2,004 | $2,332 | ||||||||
|
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| $1,640 | $1,703 | $1,828 | $2,057 | $2,270 | ||||||||
|
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| $1,655 | $1,649 | $1,718 | $1,786 | $2,067 | ||||||||
|
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 |
$1,774 | $1,830 | $1,899 | $2,189 | $2,593 | |||||||
|
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| $1,817 | $1,873 | $2,001 | $2,255 | $2,411 | ||||||||
|
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| $1,863 | $1,855 | $1,931 | $2,073 | $2,241 | ||||||||
|
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| $2,349 | $2,604 | $2,834 | $3,082 | $3,410 | ||||||||
|
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| $2,914 | $3,014 | $3,041 | $3,266 | $3,543 | ||||||||
|
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 |
$3,047 | $3,050 | $3,102 | $3,238 | $3,556 | |||||||
|
Types of car insurance offered by AARP
AARP members can get full coverage auto insurance through The Hartford, which includes basics like liability, comprehensive and collision.
But members can also take advantage of more unique offerings, like RecoverCare, which offers assistance following an accident — things like house cleaning, lawn maintenance and even dog walking.
Here’s a list of AARP car insurance coverage options you can select:
- Accident forgiveness.
- Collision and comprehensive coverage.
- Gap insurance.
- Liability insurance.
- Lifetime car repair assurance.
- Medical payments coverage.
- New car replacement coverage.
- Personal injury protection (PIP).
- RecoverCare – assistance after an accident.
- Roadside assistance.
- Uninsured/underinsured motorist coverage.
- Usage-based insurance (TrueLane by The Hartford).
- Vanishing deductible.
Other insurance products offered by AARP
AARP offers a wide range of discounted insurance types to its members through various partnerships, such as New York Life, Fetch, Delta Dental and Allstate. Policies include:
AARP car insurance discounts offered
AARP members qualify for discounted insurance through The Harford just for being AARP members, but there are additional discounts to inquire about when signing up for a policy. Potential discounts include:
- Bundle: If you bundle your home and auto, you’ll get discounts on both policies. AARP says you can save up to 5% on your car insurance and up to 20% on your home, condo or renters insurance policy.
- Defensive driving: If you take an approved defensive driving course and send a copy of your certificate to The Hartford, you’ll enjoy a discount for three years.
- Hybrid or electric: If you drive an eco-friendly vehicle — i.e., a hybrid or electric — The Hartford will offer a discount.
- Online quotes: In most states, AARP offers a discount if you get your quote online.
- Paid-in-full: Get a discount for paying your total bill upfront rather than in monthly increments.
- Safe driver training: If you have a younger driver on your policy (21 or under; 25 or under in Georgia) who completes an approved training course, you’ll get a discount.
- Safety features: You might earn a discount for driving a car with specific safety features such as multiple airbags or anti-lock brakes.
- TrueLane: The Hartford’s usage-based insurance program is called TrueLane. You’ll immediately get up to 12% off for participating and could save up to 25% when you renew, depending on your driving habits.
Who is AARP best for?
Older drivers may be interested in getting a discount on their car insurance with The Hartford. AARP claims that it can save eligible members up to 10% on car insurance — a $507 annual value, on average. However, we advise that you compare car insurance quotes from at least three competitors to see where you’ll get the best deal.
That said, senior drivers may appreciate AARP’s RecoverCare. With this coverage, AARP will help you with household chores, like snow removal, food preparation and house cleaning, if you’re recovering from an injury in a covered accident.
How does AARP compare to other car insurance companies?
AARP offers drivers age 50 and up discounted access to car insurance through The Hartford, but how does it stack up next to other policies?
AARP offers more comprehensive coverage options (especially with the unique RecoverCare program). AARP also offers gap insurance and new car replacement.
Senior drivers who have come out of retirement to drive for Uber or Lyft should look elsewhere, though; AARP auto insurance doesn’t offer rideshare coverage.
AARP car insurance vs. competitors
AARP car insurance reviews
Despite offering discounted insurance to members, AARP receives more customer complaints than the industry average. Its complaint ratio is 1.92, which is nearly double the national average of 1.0.
We review the most recent data from the NAIC to determine a car insurance company’s complaint level. NAIC complaint data reflects the level of complaints customers submit to their state’s insurance department or equivalent entity.
Frequently asked questions (FAQs)
The Hartford does not own AARP. Instead, the two companies are partners. AARP offers members discounted insurance options through The Hartford, including car insurance, homeowners insurance, renters insurance, boat insurance and ATV insurance.
No, The Hartford insurance is available to consumers outside of AARP, like through independent insurance agents. AARP members have access to discounted home and auto insurance through The Hartford. The Hartford offers other types of insurance such as:
Additionally, The Hartford offers employee benefits such as:
AARP membership is open to anyone 18 and older, but only members who are 50 or older are eligible for certain benefits, including age-restricted insurance products.
Clinton Mora is a reporter for Trending Insurance News. He has previously worked for the Forbes. As a contributor to Trending Insurance News, Clinton covers emerging a wide range of property and casualty insurance related stories.