AARP Auto Insurance Program from The Hartford Review: Should you buy in 2024?
AARP auto insurance is provided through The Hartford. Drivers over 55 may enjoy the extra benefits that come standard with a policy from AARP, though AARP auto insurance quotes are higher than average, with monthly rates averaging $244. You'll need an AARP membership to qualify for The Hartford's AARP car insurance program.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Dec 21, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AARP members can get auto insurance through The Hartford, which provides auto insurance for drivers over 55
- Customer satisfaction reviews for AARP auto insurance are higher than average
- AARP offers policy benefits that specifically benefit seniors
Drivers over 55 with an AARP membership may want to consider AARP auto insurance as well. AARP insurance is available through The Hartford, a company with a network of insurance agents throughout the country.
If you want to make the jump from your current provider to the AARP auto insurance company, make sure you research how to switch car insurance before canceling your current insurance policy. Auto insurance policyholders that are looking into switching carriers will want to avoid any gaps in coverage, because that could cause issues on the road. Driving without insurance is exceedingly dangerous.
Before you learn about affordable AARP auto insurance, see how much you could save just by shopping around today. Enter your ZIP code into our free quote tool to get started.
What kind of coverage does AARP auto insurance offer?
As with any sort of service offered, generally the more of it you have, the more you’ll end up spending. This is why it’s important to know what’s included in your insurance premium, and whether or not you need everything you’re paying for.
AARP insurance is offered through The Hartford, which has a full network of insurance agents and all the insurance coverage options that drivers have come to expect from their auto insurance.
In addition to the standard coverage options like liability insurance, collision, and comprehensive, drivers who choose AARP can expect the following standard policy benefits.
- RecoverCare — RecoverCare helps out seniors following an accident. It pays for services like cooking, cleaning, transportation costs and other things you may not be able to do on your own following a crash.
- 12-Month Fixed Rate — Many seniors are on a fixed income. AARP’s 12-month fixed rate allows seniors to plan their finances out for the entire year, which many other auto insurance companies don’t do.
- New Car Replacement — Cars totaled within 15 months of purchase or with less than 15,000 miles qualify for new car replacement.
- Lifetime Car Repair —If your car is fixed at an approved shop, you can use AARP’s lifetime car repair service.
In order to qualify for AARP auto insurance, you must already have an AARP membership.
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Does The Hartford AARP program have good auto insurance?
AARP auto insurance customer reviews are solid. J.D. Power reports above average reviews from customers in claims satisfaction and service experience. These rankings are for The Hartford, AARP auto insurance’s parent organization, and they include rankings for AARP’s auto insurance program.
The Hartford ranks first among mid-size insurers in particular, with a score of 895/1000. J.D. Power creates its rankings using metrics like estimation process, rental experience, settlements, claims handling, and repairs.
The Hartford has an A+ rating with A.M Best, which means they are financially stable.
How much does AARP auto insurance cost?
Affordable AARP auto insurance quotes are possible, though their auto insurance policies can be higher than comparable policies from other companies. AARP auto insurance may be the best choice for drivers who are already AARP members or for those who want to take advantage of AARP’s standard coverage extras.
The average 6-month rate for a policy from The Hartford is $1464. Drivers who opt into The Hartford’s TrueLane app can expect additional savings.
The Hartford Average Six-Month Auto Insurance Rates With and Without TrueLane
| TrueLane Status | The Hartford Average Six-Month Rates |
|---|---|
| Average Rates with TrueLane | $1,317 - $1,288 |
| Average Rates without Truelane | $1,464 |
Younger drivers or those who don’t need AARP auto insurance benefits may not find the additional cost worth it and should consider quotes from multiple auto insurance companies.
What kind of discounts does AARP auto insurance have?
Are you a defensive driver? That may pay off for you when it comes time to pay your bill. AARP auto insurance discounts are wide-ranging and varied. Drivers worried about the overall cost of insurance may be able to take advantage of AARP auto insurance discounts in order to get an affordable rate.
AARP has the following discounts available for some drivers.
- Defensive driving
- Policy bundling
- Electric or hybrid vehicles
- Upfront policy payments
- Anti-theft devices
- Multiple air bags
- Good student
- Young driver training
- Alternative fuel
- AARP membership
Discounts are likely to vary by state, driver, age, driving habits, and history and vehicle type among other things. Make sure you explore all discount opportunities when you buy AARP auto insurance. Use our auto insurance calculator to find out how much you can expect to pay for auto insurance.
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What is the best auto insurance for seniors?
The best auto insurance for seniors will depend quite a bit on their particular circumstances. There is no one-size-fits-all insurance choice, which is why it’s important to research the best auto insurance companies.
Usage-based insurance might be a good option for those who don’t expect to drive very many miles a year. The Hartford doesn’t offer usage-based insurance in the sense that you truly only pay for how much you drive, but they do offer discounts for low mileage drivers. This may be a benefit for seniors who don’t anticipate racking up the miles commuting to work anymore.
AARP Auto Insurance: The Bottom Line
The first step in getting AARP auto insurance is to get an AARP membership. The AARP auto insurance phone number is 1-800-684-5518. You can talk to one of their customer service agents and ask any questions you may still have about the company.
The Hartford is one of the country’s oldest insurance companies and a solid reputation and all of the insurance coverage options you could need. If you buy AARP auto insurance through The Hartford, you’ll be backed by a good company.
Now that you’ve finished reading all about ARRP auto insurance, take a minute to shop around. Enter your ZIP code below for fast, free quotes from top companies.
Frequently Asked Questions
What is the AARP Auto Insurance Program from The Hartford?
The AARP Auto Insurance Program from The Hartford is a specialized auto insurance program offered to AARP members in collaboration with The Hartford Financial Services Group. It provides exclusive benefits and coverage options tailored to meet the needs of AARP members.
How do I qualify for the AARP Auto Insurance Program?
To qualify for the AARP Auto Insurance Program from The Hartford, you must be an AARP member and meet the eligibility requirements set by The Hartford. Membership with AARP is available to individuals who are aged 50 or older.
What are the benefits of the AARP Auto Insurance Program?
The AARP Auto Insurance Program offers several benefits, including:
- Lifetime Renewability: Once you are accepted into the program, your policy will not be canceled due to age or health-related reasons.
- RecoverCare: This benefit helps cover the cost of transportation, cooking, cleaning, and other essential services if you’re injured in an accident.
- New Car Replacement Coverage: If your new car is totaled within the first 15 months or 15,000 miles, you may qualify for a new car replacement instead of just the depreciated value.
- 24/7 Claim Support: The program provides round-the-clock support for filing claims and assistance throughout the claims process.
- Deductible Waiver: In case of a not-at-fault accident with another driver who is insured, your deductible may be waived.
What types of coverage are available through the AARP Auto Insurance Program?
The AARP Auto Insurance Program offers a range of coverage options, including:
- Liability Coverage: This covers bodily injury and property damage you may cause to others in an accident.
- Collision Coverage: It helps pay for repairs or replacement of your vehicle if it is damaged due to a collision with another vehicle or object.
- Comprehensive Coverage: This covers damage to your vehicle caused by events such as theft, vandalism, fire, or natural disasters.
- Personal Injury Protection (PIP): PIP helps cover medical expenses, lost wages, and other costs resulting from an accident, regardless of fault.
How can I get a quote or purchase auto insurance through the AARP Auto Insurance Program?
To get a quote or purchase auto insurance through the AARP Auto Insurance Program, you can visit The Hartford’s website or call their dedicated phone line for AARP members. You will need to provide relevant information about yourself and your vehicle to obtain an accurate quote.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.