Vehicle Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

Vehicle Coverage You Need at Rates You Can Afford


Why Do You Need Vehicle Insurance?

Vehicle insurance requirements can vary by state. This means you’ll need to be sure you get the right coverage for your area. And depending on how many vehicles you have, you may need more than one type of insurance. At the very least, no matter where you live, you’ll need car insurance coverage.
Vehicle Insurance These auto insurance coverages help protect your finances if you’re in an accident. Certain policies can help pay for repairs or replacement if your car is damaged or stolen. For example, if you’re driving and accidently hit your neighbor’s mailbox, this coverage can help pay for damages to your vehicle.
To learn more about the AARP® Auto Insurance Program from The Hartford,1 call our specialists today at 888-413-8970. They can help you learn more about your state’s car insurance requirements. You can also get a quote online.

Get a Vehicle Insurance Quote Online

Getting an online car insurance quote from The Hartford is so easy you can do it in minutes. Before you start the quote process, make sure you have your:
  • Driver’s license
  • Vehicle registration
  • Documentation from your current auto insurance
To start saving money, get car insurance quotes from us today.

Save Money on Vehicle Insurance With an AARP Membership

We offer anyone 50 years and older insurance coverage for all their vehicles at affordable rates. Some car insurance discounts and benefits that can help you save money include:
  • Accident forgiveness: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • RecoverCare: With this benefit, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you may need if you’re injured in a car accident.§
  • Disappearing deductible: Your collision deductible will be reduced over time as long as you maintain a clean driving record.
  • Bundling your insurance: With our home and auto insurance bundle, you can save up to 5% on your auto insurance and up to 20% on your condo, renters and home insurance.**
To learn more about auto benefits for AARP members through The Hartford, call our representatives today at 888-413-8970.

Common Questions About Vehicle Insurance

What Are the Three Primary Types of Car Insurance?

The three primary car coverage types include:
  • Liability insurance: This helps cover costs when you’re held legally responsible for a car accident that causes injury or death to the other driver or their passengers.
  • Collision insurance: If you’re in an accident with another vehicle or object, this coverage can help pay for damages. It can also help cover rollover accidents or someone smashing into your parked car.
  • Comprehensive insurance: This coverage helps pay for damages to your car from accidents with animals like a deer and non-accident related claims. This includes natural disasters, vandalism, theft, fire and falling objects.

How Much Does Vehicle Insurance Cost?

Vehicle insurance rates vary. Factors that car insurance companies use to help determine your rate include your:
  • Driving history
  • Vehicle type
  • Deductible amount
  • Average miles driven in a year
  • Coverage limits
  • Vehicle’s age
To learn more about your coverage options and how much vehicle insurance will cost you, contact our representatives today at 888-413-8970 or get an auto insurance quote online

How Do I Calculate My Vehicle Insurance?

We determine your vehicle insurance cost based on factors like driving history and vehicle type, among others. We’ll also need important information to calculate how much your insurance will cost, including:
  • Your claim and insurance history
  • The licensed drivers on your policy
  • How often you use your vehicle
  • Your credit score
  • Your zip code
To learn more, read through our car insurance calculator page. You can also call our representatives at 888-413-8970 or get vehicle insurance quotes online.
** 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.