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AARP® Auto Insurance Program From The Hartford

4.75 Stars
Updated: July 26, 2023
By: Dr. Steven Rydin
Dr. Steven Rydin
Director of Product
As the former director of product, Steven oversaw Retirement Living’s product and marketing efforts for four years. His digital marketing expertise helped launch senior-focused buyer’s guides and a wide range of products surrounding finance, insurance, healthcare, and lifestyle. Steven holds a Doctor of Business Administration degree from George Fox University.
Director of Product
Edited By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager

The AARP® Auto Insurance Program from The Hartford is designed exclusively for drivers 50+. With rates that reward safe driving, plus special benefits like Accident Forgiveness, Disappearing Deductible and New Car Replacement, it’s the only national auto insurance program endorsed by AARP.

AARP the Hartford Logo

Editorial Breakdown

Perks 4.8 Stars
Discounts 4.5 Stars
Signup experience 4.8 Stars
Coverage availability 4.5 Stars

Overall Rating 18.5 Stars

Bottom Line

Designed for adults 50+, AARP® Auto Insurance Program From The Hartford offers good coverage with great perks.

AARP® Auto Insurance Program From The Hartford Review

You probably already know the AARP provides discounts and other savings on shopping, restaurants, and financial and lifestyle services to members for a low annual fee. You may have also heard of The Hartford, who has been selling insurance for over 200 years. The Ethisphere Institute named it one of the World’s Most Ethical Companies 12 times.

The AARP® Auto Insurance Program from The Hartford has offered special car insurance pricing and benefits to AARP’s nearly 40 million members since 1984. The AARP® Auto Insurance Program From The Hartford makes our list of the Best Car Insurance Companies for its rate-increase protection, and generous coverage terms on policies. The Hartford also sells RV insurance to AARP members at a reduced rate.

Great Comparison Shopping

4.6 Stars


  • Comparison Shop Multiple Companies
  • Home & Car Insurance Bundles

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  • Car Insurance Savings for AARP Members
  • Discounts and savings for AARP members
  • 24/7 Access to Superior Claims Services
  • Car insurance designed exclusively for ages 50+


  • Limited to ages 50+
  • Only available to AARP members

AARP® Auto Insurance Program From The Hartford Benefits

The AARP® Auto Insurance Program From The Hartford offers drivers age 50 and over great benefits, usually at a lower cost compared to their current policies. The Advantage Plan includes the following benefits:

  • New Car Replacement: Get full replacement value if your new car is totaled, with no deduction for depreciation.
  • RecoverCare: Get up to $2,500 to pay for help around the house and transportation if you get injured in an accident and need time to recover.
  • Towing and Labor Option: Helps pay towing and labor charges associated with getting your vehicle running again in the event of a break down.

AARP® Auto Insurance Program From The Hartford Costs

In addition to your AARP Membership, other factors that affect your car insurance costs include: your driving record, how much you drive, coverage history, the vehicle you drive and where you live. We used the online quote feature on The Hartford’s website to compare premiums for two drivers with excellent driving records and a 3-year-old truck and SUV, respectively.

The monthly premium quoted was $90, or just under $700 per year in savings compared to the current policy. This initial quote relied on bundling auto and homeowner’s insurance for an additional 20% savings, so choosing vehicle coverage alone would cause the savings to drop a bit. Still, the difference is significant. Insurance costs may vary.

Speak with an agent to find out about Accident Forgiveness and Disappearing Deductible.

Where to Buy The AARP® Auto Insurance Program From The Hartford

Get a quote from The AARP® Auto Insurance Program From The Hartford by calling to speak to a customer service agent or using the quote tool on its website. There’s no cost or obligation to get a quote. However, you must enter your home address since it’s impossible for an insurance company to offer a quote without this information.

The quote form gives you a phone number and a chat feature to use if you have questions while you’re completing your information.

The AARP® Auto Insurance Program from The Hartford Complaints

The Better Business Bureau gives both AARP and The Hartford Financial Services Group an A+ rating. ConsumerAffairs readers mention complaints about premiums rising after a claim. Premiums increasing in tandem with filed claims is standard practice in the insurance industry.

J.D. Power’s most recent auto insurance company study shows that customer satisfaction with The Hartford varies by region. The Hartford tops all other car insurance providers in the southwest U.S., and it is among the best in the Northwest, Midwest and mid-Atlantic regions. The Balance lists The AARP® Auto Insurance Program From The Hartford as a top choice for drivers age 50 and over.

AARP® Auto Insurance Program From The Hartford Q&A

  • What information do I need to get an online quote from The Hartford for AARP® Auto Insurance Program From The Hartford?
    Once you enter your legal name and home address, The Hartford should be able to pull your car insurance-related information from public documents. You do need to provide birthdates for all drivers in your household. Otherwise, you select answers to questions about: moving violations or accidents, how much you drive, and your driver’s license, registration and insurance documents.
  • What factors affect the quote I receive from the AARP® Auto Insurance Program From The Hartford?
    The rate AARP® Auto Insurance Program From The Hartford gives depends on your selections for collision coverage, deductibles and limits. State insurance regulations and the traffic patterns where you live also impact the cost. Your home address, credit score and accident history factor into the quote, as well.
  • How much does an AARP membership add to the cost of AARP® Auto Insurance Program From The Hartford?
    An AARP membership costs $16 per year, or $12 per year if you opt for automatic renewals. You can add a spouse or other individual living in your home for no additional cost. Membership gives you access to relevant news and numerous discounts for individuals over the age of 50.
Safe Driver Course DiscountNew Car Replacement Coverage
24-Hour Roadside AssistanceRecoverCare Essential Services
24/7 Car Insurance Claims ServicePersonal umbrella discount
Lifetime Car Repair AssuranceHybrid and new vehicle discounts
Legal representation after accidentsBundled home and auto insurance discount
No-deductible windshield repairPaid-in-Full Discount Available


AARP® Auto Insurance Program From The Hartford adds many benefits for drivers age 50 and over not found with other car insurance. It’s worth the eight minutes or less it takes to get a quote.

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