AARP Auto Insurance From The Hartford

Car Insurance
Matt M., Customer since 2014
You Could Save $507†
with the AARP Auto Insurance Program from The Hartford.
Discover Savings
with the AARP Homeowners Insurance Program from The Hartford.
You Could Save Over $600**
when you bundle auto and home.
Start Saving
You could save $507† with the AARP Auto Insurance Program from The Hartford.
 
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
 
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Start Saving
You could save over $600** when you bundle auto and home.
 
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AARP Auto Insurance from The Hartford

Great Rates and Rewards on the AARP Auto Insurance Program From The Hartford

Since 1984, the AARP® Auto Insurance Program from The Hartford1 has offered car insurance exclusively for AARP members.
Through this program, you’ll enjoy great AARP auto insurance rates and rewards exclusively for AARP members. You may even get additional car insurance discounts and savings.
 
To learn more about these savings and benefits, get an AARP car insurance quote from The Hartford today in as little as eight minutes.
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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AARP car insurance

AARP Auto Insurance 101

Learn more about the AARP Auto Insurance Program from The Hartford in this video.

Customized Car Insurance Coverages

The AARP Auto Insurance Program from The Hartford makes it easy to customize car insurance coverage to fit your needs.
 
With this coverage, you’ll be protected if:
 

You Cause an Accident

Car insurance policies include two types of liability coverage to help protect you if you’re at-fault in a car accident. If you cause an accident that injures another driver, bodily injury liability can help pay for their medical expenses. Property damage liability coverage can help cover costs if you damage property that doesn’t belong to you, such as someone else’s car or house.
 

Your Car Is Damaged in a Collision

With collision insurance, you’ll be covered if your vehicle is damaged from a collision with another car or object, like a tree or fence.  
 

Your Car Is Damaged by Something Other Than a Collision

Comprehensive insurance, or “other than collision coverage,” helps cover you in situations where your vehicle is damaged in a non-collision event. For example, this coverage can help pay the costs to repair your car if it’s damaged by a natural disaster, vandalism or hitting an animal.
 

You Are Hit by an Uninsured or Underinsured Driver

If you’re involved in an accident with a driver who doesn’t have insurance or enough insurance to cover damages, uninsured/underinsured motorist coverage can help you stay protected.
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What Car Insurance Is Required in My State?

Select a state using the map or dropdown menu. Note: Coverage is not available in all states. Or you can browse All States Car Insurance coverages.
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Additional Car Insurance Protection

Depending on your policy, auto insurance coverage options can vary. The AARP Auto Insurance Program from The Hartford offers additional coverages to help protect you and your car.
 
See the full chart to compare car insurance.
 

Accident Forgiveness

As long as all the drivers on your car insurance policy have a clean driving record for five straight years, you’ll qualify for accident forgiveness.‡
 

Disappearing Deductible for Auto Insurance

We believe in rewarding great drivers. With our optional disappearing deductible, your collision deductible on your car insurance policy can be reduced by up to $500 as long as you keep a clean driving record.‡
 

24/7 Roadside Assistance for AARP Members

Help is available when you need it most. If you have a roadside emergency, like a flat tire, dead battery or you lose your keys, we can help. Roadside assistance and towing service is available to anyone who has a car insurance policy with The Hartford through RESCUE-1-800®. Simply call roadside assistance and towing at 800-322-7789. This service is available 24 hours a day, 7 days a week.
 

New Car Replacement Coverage

If you total your new car, we’ll pay to replace it with one of the same make, model and equipment. And we’ll do it without subtracting anything for depreciation.§§
 

RecoverCare – Assistance After an Accident

The AARP Auto Insurance Program from The Hartford protects more than just your car. If you’re ever hurt in an accident, our RecoverCare§ coverage pays you back for things you can’t do yourself, like:
 
  • House cleaning
  • Lawn maintenance
  • Snow removal
  • Transportation services
  • Food preparation
  • Dog walking
If the injury keeps you from driving to work, we can also help you pay for alternate transportation.
 

Lifetime Car Repair Assurance

After a covered claim, we’ll help you find a trusted repair service so you don’t have to go through the hassle yourself.
 
If you use one of the 1,600+ repair shops in our approved network, we’ll stand behind the quality of the repairs for as long as you own or lease your vehicle.
 

24/7 Car Insurance Claims Hotline

Accidents can happen at any time. That’s why you need a car insurance company that can respond immediately – no matter what time you call. The Hartford has earned a reputation for integrity and trust, and we’re proud to have a record of high customer satisfaction ratings for claims services.
 
Our 6-point Claim Commitment assures you’ll get prompt and caring service throughout your claims experience. File a claim with us 24/7 by calling 877-805-9918. We’ll walk you through the car insurance claims process for AARP members.
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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aarp home and auto insurance bundle

Bundle and Save With the AARP Auto and Home Insurance Program From The Hartford

Save up to 5% on auto insurance and up to 20% on condo, renters or home insurance when you bundle home and auto insurance coverage through the AARP Auto and Home Insurance Program from The Hartford.**

Frequently Asked Car Insurance Questions

According to the Insurance Information Institute (III), the national average cost of car insurance is around $1,070 per year or $89 per month.2
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.

Customer Reviews

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“The cost of my insurance is less than I was previously paying and they treated me like I've been with them for years!”
 
Gina
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“The insurance representatives are knowledgeable and took the time to explain the options available. I saved money AND got more coverage.”
 
Patricia
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“The customer service was extremely helpful and knowledgeable. Assisted me with how I can optimize the price and save some money especially when I am retiring.”
 
Jeyachandran
review 3
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“The ease of purchase and the money that I saved were certainly worth making the call to Hartford.”
 
Nancy
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“Phone call was pleasant and easy, and I saved a lot of money. I originally made the call just to get more info, but I ended up signing up right away!”
 
Sarah
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“The representative went out of his way to make sure I am getting all of the discounts I am eligible for.”
 
Olivia
review 2

Additional Content

Coverage for Other Vehicles

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Last Updated: May 1, 2023
 
2 Insurance Information Institute (III), “Facts + Statistics: Auto insurance”
† Savings amounts are averages based on information from The Hartford's AARP Auto Insurance Program customers who became new auto insurance policyholders between 1/1/22 and 12/31/22 and provided data regarding their savings and prior carrier. 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 savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/22 and 12/31/22. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. 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 Home product is not available in all areas, including the state of Florida.
 
§ 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.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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