Car Insurance Discounts & Savings

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Get the Discounts You Deserve

Customers who switched to The Hartford saved over $500.

Looking for an AARP Car Insurance Discount From The Hartford?

At The Hartford, we help those who are 50 and older get the car insurance coverage
they need – at a rate they can afford. Our AARP® Auto Insurance Program from The Hartford1 offers car insurance discounts and exclusive benefits – like up to 10% savings just for being an AARP member.

AARP Members Have Many Ways To Save On Auto Insurance

We know that saving your hard-earned money is important. And that’s why we offer several discounts to help lower car insurance costs for you. We’ve been helping AARP members and their families get valuable car insurance discounts since 1984. Get an online car insurance quote or call a customer service representative at 800-684-1933 to see what discounts you’re eligible for, like:

Bundle Insurance Savings

You can get even more savings if you bundle your car and home coverage with the AARP Auto and Home Insurance Program from The Hartford. Moving policies from other insurance companies and bundling** them with The Hartford may help you save money. In fact, you’ll save up to 5% on your auto insurance and up to 20% on your home, condo or renters insurance.

Paid-in-Full Discount

Extra discounts apply if you pay your bill in full instead of making monthly payments.

Quote Online To Save

We make it easy to get a quote online and save money in the process. You can get a discount in most states when you get a car insurance quote from us online today.
Get a Quote
Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
Additional Ways To Save on Car Insurance^

AARP Car Insurance Discounts for Safe Driving

Drive Safe and Save

Get rewarded for your safe driving with our TrueLane Program. You’ll save up to 12% today just for participating. Plus, you could earn a renewal discount of up to 25%, depending on your driving habits.

Safety Features

You can receive even more savings if your car has safety features, like anti-lock brakes or more than one airbag.

Vehicle Fuel Type

At The Hartford, it’s not just how you drive, it’s what you drive. We give extra auto insurance driver discounts if your car is a hybrid or electric vehicle.

Discounts on Auto Insurance for Driver Training and Education

Safe Driver Training Discounts

You can get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course.

Defensive Driver Course

If you’ve finished an approved defensive driving course, you can enjoy discount car insurance for the next three years. Send us a copy of your certificate and we’ll apply the credit to your car insurance premium.
discount auto insurance

Get Discounts Down the Road With Added Coverage Options

Experienced drivers know that sometimes things happen when you least expect them.
With The Hartford, you can feel confident that you’re protected because The AARP Auto Insurance Program offers auto insurance coverages, like:
New car replacement coverage if you total your new car. We’ll even pay the cost to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
RecoverCare§ coverage for help paying for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.
Accident Forgiveness, which excuses your first accident if you need to file a claim as long as all drivers on your car insurance policy have a clean driving record and are accident-free for five straight years.

Hear What Customers Say About The Hartford's Auto Insurance Discounts

We’ve earned a reputation for integrity and trust. That’s why our customers have consistently given us high ratings for our car insurance claim service.
Read our customers’ car insurance reviews and see what they think about our program, claims experience and customer service.

Save Money With AARP Auto Insurance Discounts

We’re proud to be a car insurance company that offers AARP members discount. Auto insurance. Benefits and discounts are different based on your needs and vary by state, but you can feel confident that we’ll help you get all the discounts that you’re eligible for. Learn more about how to save on car insurance with The Hartford. Get an online car insurance quote or speak with a customer service representative at 800-684-1933 today.
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.
^ Not available in all states, terms and conditions apply.
** 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.
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.
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.