If you’re an AARP member, you may have access to highly discounted insurance policies.


If you're a member of the American Association of Retired Persons (AARP) or someone who is considering joining, you can get car insurance through AARP, backed by The Hartford. AARP auto insurance reviews tell us that membership is worth the investment for many older drivers looking for car insurance.

To help you make the best decision, this review takes a closer look at AARP auto insurance by diving into coverage, strengths and weaknesses, the claims process, and AARP insurance reviews from real customers. In the end, we'll compare AARP auto insurance to some of the industry's best car insurance companies.

Anyone shopping for car insurance should get quotes from multiple providers to compare coverage and rates. In addition to the insurance company you choose, factors such as your age, the type of car you drive, and the driving history of the people listed on your policy can affect your insurance premium, so what’s best for your neighbor might not be best for you.

Use our tool above or call (855) 518-0148 to start comparing personalized car insurance quotes.


In this article:



Overview Of AARP Insurance

Founded in 1958, the AARP works to address the needs and interests of middle-aged and older people across the country. Membership is open to those 50 and older, whether currently working or retired.

AARP car insurance through The Hartford is available in every state and comes with great rates for members. The Better Business Bureau (BBB) gives The Hartford an A+ rating for its sound business practices, while AM Best gives the insurer an A rating for financial strength.

AARP reviews praise benefits such as first-accident forgiveness and RecoverCare. 12-month premiums can protect against rate increases over the course of a year, and AARP members get impressive discounts. The Hartford also has a free app compatible with iPhone and Android devices that allows customers to access their home, life, or auto insurance policies at any point.

Along with The Hartford insurance, AARP members can get health insurance and pet insurance through other insurers that the AARP partners with.



AARP Auto Insurance Coverage

AARP auto insurance is provided by The Hartford and offers two main levels of coverage: Advantage and Advantage Plus. With either policy, you can get standard types of car insurance, including:

  • Liability auto insurance (bodily injury and property damage)
  • Collision insurance
  • Comprehensive car insurance
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist coverage

Depending on the plan you choose, you also have access to the following coverage and benefits:

AARP Auto Insurance Coverage Advantage Advantage Plus
24-Hour Roadside Assistance
Legal Representation for Accidents
Customer Repair Service Program (CRSP) with Life of Vehicle Guarantee
No-Deductible Windshield Repair Service
Emergency Expense Coverage  
One Deductible  
$100 Collision Deductible Reduction with CRSP  
Disappearing Collision Deductible  
Accident Forgiveness  
Deductible Waiver  

As you can see, the Advantage Plus package is much more comprehensive. Emergency expense coverage and accident forgiveness insurance can be valuable add-ons to an AARP auto insurance policy. The many options for deductibles can also make your car insurance affordable when it comes time to file a claim:

  • Disappearing deductible: For each year that you maintain a clean driving record, your car insurance deductible will go down. If you keep a clean driving record, it will eventually reach $0.
  • One deductible: If you need to file a claim for one loss that includes two vehicles, both of which are covered by an insurance policy from The Hartford, you’ll only pay the highest deductible. If you have homeowners insurance from The Hartford as well and your home is implicated, the same will apply: You will only pay the highest deductible.
  • $100 deductible reduction: If you carry out your vehicle repairs at one of The Hartford’s authorized repair shops, your deductible will be reduced by $100.

The Hartford also offers a waiver of deductible for accidents where you are not at fault. The Hartford will waive your collision deductible for most accidents in which you are not at fault. However, this is not available in all states, so ask about this coverage if it is important to you.



The Hartford Auto Insurance Extras For AARP Members

All AARP auto insurance plans from The Hartford also include the following:

AARP Coverage Details
AARP Member Discounts AARP members who take out a car insurance policy with The Hartford receive a substantial discount on their premium.
Lifetime Renewability Once you take out a policy, you can renew it for as long as you like. That means The Hartford can’t deny you coverage for any reason, so long as you have a valid driver’s license and pay your premiums. However, be advised that this perk isn’t available in every state, so make sure it’s available where you live if this is important to you.
12-Month Rate Protection While some insurance companies only lock in your premium for 6 months at a time, The Hartford locks in your premium for 12 months.
RecoverCare If you’re injured in a car accident, RecoverCare can help cover your non-medical expenses while you recover. This can include lawn mowing services, house cleaning services, and even taxi rides to work if you’re unable to drive.
New Car Replacement Coverage The Hartford will replace your car with a new car of the same make, model, and trim if you total your car within 15 months or 15,000 miles after buying it.
Lifetime Car Repair Assurance If your car needs repairs after an accident, and you get the repairs done at one of The Hartford’s more than 1,600 authorized repair facilities, the repair will be guaranteed for the rest of the vehicle’s lifetime or until the end of your lease agreement.
24/7 Insurance Claims The Hartford’s 24/7 claims hotline allows the insured to file claims at any time, day or night.



AARP Auto Insurance Cost And Discounts

The cost of AARP auto insurance through The Hartford depends on many factors, such as:

  • Where you live
  • The year, make, and model of the insured car
  • The age and driving history of all drivers on your policy

Fortunately, older drivers qualify for savings on The Hartford auto insurance coverage since these drivers have more experience:

  • Bundling discount (up to 5 percent on car insurance and up to 20 percent on home, renters, or condo insurance)
  • Pay-in-full discount
  • Discount for having anti-theft devices on your car
  • Discount for young drivers that complete a defensive driving course



AARP Auto Insurance Reviews

As with any type of insurance, there are positive and negative reviews for the AARP.

Positive AARP Auto Insurance Reviews

On one end of the spectrum, the AARP receives customer reviews like the following.

"I have nothing but wonderful things to say about AARP. Every experience I have had with them has been outstanding."

-Deborah L. via BBB

"Good service. Good information. Good discounts."

-Joan O. via BBB

Negative AARP Auto Insurance Reviews

On the other hand, many complaints refer to unsolicited mail and subpar customer service. There also seem to be some customers who have had issues with their claims process.

"I e-mailed AARP to ask a question about a particular item in their Rewards program. The response I received was generic information about their Rewards program--not an answer to my specific question. I replied, saying that their 'customer service' was terrible, and I again received a generic e-mail as their response. I will NOT be renewing my membership."

-Sandy Y. via BBB

"I just read an article about AARP and their ridiculous membership mailings. I thought I was the only one who got so many. This company is awful. I have asked them to take my name off their mailing lists SO MANY times. I find all of their advertising to be deceptive. Especially for their secondary insurance plans."

-Cathy C. via BBB

Throughout all this, it’s important to remember that all products and services are bound to have bad reviews, and that is especially true for insurance companies. For the most part, people only interact with their insurance companies during stressful times or when paying bills. No one likes taking out a new insurance policy, so it’s not surprising that there are a larger number of poor reviews.



Our Take On The AARP: 4.0 Stars

We rated AARP auto insurance at 4.0 out of 5.0 stars. Positive AARP auto insurance reviews point to The Hartford's comprehensive auto insurance coverage at a price that is far below the industry average. The AARP is trustworthy, and many customers are extremely satisfied with the service they’re receiving.

Great rates and benefits for AARP members Confusing quotes, claims, and billing processes
Specifically addresses needs of older drivers Mixed customer service reviews
Ability to bundle auto and home insurance for a discount on both  
A+ rating from the BBB  



Top Recommendations For Car Insurance

Although we believe the AARP offers a quality insurance product, it’s always a good idea to look into other coverage options to see if you can get a better deal. Enter your zip code below or call our team at (855) 518-0148 for free, personalized quotes.




USAA: Best For Military

USAA car insurance falls right in line with The Hartford’s discounted AARP member rates. However, USAA is only available to military service personnel, veterans, and their families. If this isn’t you, then unfortunately USAA is not an option. That said, the provider was the only one to receive 5.0 stars in our rating of the industry’s top car insurance companies. It's a smart choice for drivers that qualify.

To find out what types of coverage you can get with USAA, read our in-depth USAA auto insurance review.


Geico: Best Overall

Geico is the second-largest auto insurance provider in the nation with nearly 14 percent of the market share, according to the NAIC, and an A++ financial strength rating from AM Best.

The insurer is a great choice for motorists who prefer to manage their claims online, thanks to a state-of-the-art website and mobile app. Drivers who prefer in-person interactions can still find a local Geico agent in many states. Read our Geico auto insurance review to find out more.


Progressive: Best For High-Risk Drivers

Progressive is another auto insurance provider that we highly recommend to military service members. Progressive is a tech-focused insurance provider, and it even offers discounts to motorists who sign their policies online. There are also several other perks like a discount for insuring multiple cars and a discount for bundling home and auto insurance.

Find out why we think the provider is the best option for high-risk drivers in our Progressive auto insurance review.


State Farm: Best For Students

State Farm is the largest auto insurance provider in the United States and has approximately 16 percent of the market share, according to the National Association of Insurance Commissioners (NAIC). We ranked the provider at 4.5 out of 5.0 stars and named it the No. 1 choice of car insurance for students.

State Farm is well known for its reasonable rates and quick payouts for claims. There are many discount opportunities for drivers of all ages including a safe driver discount and bundling discounts. Learn more about coverage in our complete State Farm auto insurance review.



FAQ About AARP Auto Insurance

Does the AARP have good auto insurance?

AARP auto insurance is generally well regarded, with very competitive rates for AARP members and benefits like lifetime renewability and a disappearing deductible. Motorists insured under the AARP through The Hartford’s car insurance policies can also benefit from perks like RecoverCare and first-accident forgiveness.

How much does AARP auto insurance cost?

We found that AARP car insurance has some of the cheapest average annual premiums for full coverage policies, clocking in below the national average.

What is the best car insurance for seniors?

AARP reviews indicate that The Hartford car insurance is a great option for seniors, assuming you are an AARP member. According to our research, Esurance also provides top-notch coverage for tech-savvy seniors.

How old do you have to be to get AARP auto insurance?

You have to be at least 50 years old to become a member of the AARP and take out an auto insurance policy.

Is The Hartford insurance only for AARP members?

The Hartford auto insurance policies are exclusively available to AARP members and their families.


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