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AARP Car Insurance Review

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Getting the perfect auto insurance for seniors is always a challenge. A senior person needs to get enough coverage and discounts when choosing an affordable insurance policy. Being a member of the American Association of Retired Persons (AARP) makes that easy. You can get an insurance policy via AARP, backed by The Hartford.

Hartford's insurance policy is for people aged 50 and above. The most appealing aspect of an AARP/The Hartford auto insurance policy is that the program aims to provide discounted prices for AARP members. Along with standard auto insurance, AARP/The Hartford offers specialty insurance for collectible and vintage cars, RVs, ATVs, boats, snowmobiles, and golf carts.

Most customer reviews suggest that the insurance policy is best for senior drivers looking for cheap car insurance. So, how much does AARP car insurance cost? What are the coverages and discounts that the insurer offers for senior drivers? Our research will give you an idea of the coverages, pros and cons, the claims procedure, and AARP car insurance reviews from customers to help you make the best selection possible.

Pros and Cons

Good for seniors looking for an affordable insurance policy Mixed customer reviews
Offers special discounts for AARP members Offers coverage only for AARP members
Offers personalized customer service It doesn’t provide discounts like a good student, multi-car, safe driving, anti-theft system, or paperless discounts
Provides a cheaper rate than average rates Quotes, claims, and billing processes can be confusing
Provides coverages for rental car and travel reimbursement, roadside assistance, accident forgiveness, gap insurance, and deductible modification

AARP Car Insurance Coverages

Like other insurers, Hartford s AARP car insurance offers typical coverages like liability, uninsured/underinsured motorist, comprehensive and collision coverage, medical payments, and personal injury protection. However, there are also other coverages like RecoverCare, which makes the insurance policy attractive to senior drivers.

Daily duties or tasks can become even more challenging for seniors after a car accident. After an accident, RecoverCare helps reduce the load by covering necessary home services for a limited period like transportation, food preparation, cleaning, yard mowing, and dog walking. While the coverage availability and advantage levels differ by state, insured individuals may be eligible for up to $2,500 in six-month coverage. It can provide seniors, caretakers, and their families with great peace of mind.

The following are the coverages that the insurer offers.

New car replacement: This coverage helps you get a replacement car of the same make and model if you total a new car within the first 15 months of ownership or 15,000 miles traveled.

Lifetime car repair assurance: You will get this coverage if you repair your car at an approved repair shop.

Accident forgiveness: Your policy rate won t increase after your first accident if you have a clean driving record for the previous five years. You won t get this coverage in California.

Disappearing deductible: It is optional coverage. The longer you keep a clean driving record, the more The Hartford will reduce your collision deductible with this coverage. Unfortunately, in California, this coverage isn t available. So year after year, there will be a reduction in collision deductible, possibly reaching $0.

The coverages also offer you legal assistance when involved in an accident and no deductible on windshield repairs.

See what you could save on auto insurance

AARP Car Insurance Rates

The AARP car insurance quote is less expensive than major insurers like Allstate and State Farm premiums. However, the AARP car insurance quotes are more costly than insurers like Progressive. Yet, it remains one of the best insurers for senior drivers with unique coverages such as RecoverCare.

But we always suggest you obtain many quotes to see who can offer the best premium in your area. Enter your ZIP code to compare rates from the nation s biggest insurers, and then click to get a quote.

Insurer Single man (50 years) Single woman (60 years) Married man (60 years)
AARP $1,563 $1,443 $1,344

AARP Car Insurance Discounts

AARP car insurance offers most of the standard coverage that other insurers offer. The insurer also offers the AARP Smart Driver Course, a unique defensive driving program. Policyholders can attend this course online within 60 days and can get a discount on insurance rates for 36 months. Though the discounts offered aren t outstanding overall, they will help you save some amount on your inexpensive premium. These are some discounts that AARP offers.

AARP discount: While you must be an AARP member to purchase car insurance from this company, your membership can help you save 10% on your premiums.

Fuel discounts: If you drive a hybrid or electric vehicle, you can save money on your insurance premiums.

Multi-policy discounts: You can save money on your premium rates by combining your auto and homeowners insurance policies with The Hartford.

Paid-in-full discounts: Save money on auto insurance by paying six months worth of premiums in advance rather than making monthly payments.

Type of discount Maximum discount offered
Multi-car policy 20%
Multi-policy credit 7%-16%
Anti-theft devices 5%-15%
Airbag installation 10%-20%
Persistency credit 2%-8%
Anti-lock braking system 5%

AARP Car Insurance Customer Satisfaction

The customers are happy with the coverage and discounts that AARP offers. Also, the customers seem quite satisfied with claims handling. However, the firm doesn’t have too many positive responses for customer service satisfaction. Some customers have even complaints about AARP customer service as they don’t get a proper response to their queries. 

See what you could save on auto insurance Summary

AARP car insurance is an ideal auto insurer for senior drivers. It provides unique coverages like RecoverCare and also offers many discount options. However, the major drawback is that only members of the American Association of Retired Persons (AARP) can buy this insurance policy.

The insurer has above-average customer reviews when it comes to claims handling. However, based on the National Association of Insurance Commissioners score index, the insurer has a low service experience and customer service score. On the other hand, The Hartford has an ‘A+’ rating for financial strength from AM Best. So, that indicates strong financial stability, and customers needn t worry about the claims payout.

The Hartford s website allows you to get an AARP car insurance quote, pay the premium, access vehicle ID cards, manage policies, and file and monitor claims. It also contains basic information about coverage and discounts. Logging into the app lets you pay bills, track claims, view your policy, see your electronic auto ID card, etc. You can also dial for roadside assistance, find a repair shop or agent, and file a claim.


About AARP Car Insurance

Launching in 1810, The Hartford has been in operation for well over 200 years. The insurer offers house insurance, business insurance, umbrella insurance, and more to AARP members and auto insurance. You may get an AARP car insurance quote online with The Hartford or via a network of local agents who can provide individual assistance and in-person insurance planning. It’s worth noting that this organization provides auto insurance in all 50 states. 

Through The Hartford Group, the AARP, previously the American Association of Retired Persons, offers a variety of insurance products. AARP has been operational since 1958 when a former professor from California founded the organization as a nonprofit membership club for adults aged 50 and up. AARP now has almost 38 million members across the United States. 

Contact Details

Type of Contact Contact
Home Office AARP Insurance Program
The Hartford
P.O. Box 14219
Lexington, KY 40512
Claims Support 877-805-9918

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


Does AARP have good auto insurance?

AARP sells insurance through its parent corporation, The Hartford. The insurer has an excellent rating for financial stability and good reviews for claims handling. But AARP has poor feedback for customer service, affordability, complaints, and discounts. 

Is insurance cheaper with AARP?

Yes. AARP car insurance offers a low-cost insurance policy for seniors. AARP car insurance quotes are lower when compared to the quotes of major insurers like Allstate and State Farm.

How much does AARP save you on car insurance?

If you’re an AARP member, you’ll get a 10% discount on your vehicle insurance.

Is AARP good insurance for seniors?

Yes. But you can buy the policy only if you’re an AARP member. The members will get a 10% discount on insurance rates while joining.  

Does AARP have accident forgiveness?

Yes. Your insurance premium rate won’t surge after your first accident if you have a clean driving record for the past five years. But you won’t get accident forgiveness coverage in California.

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