AARP Auto Insurance From The Hartford

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Pay as little as $78*** a month for AARP Auto Insurance from The Hartford.
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You could save over $800** when you bundle auto and home.
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a man at peace knowing he is protected by the AARP Auto Insurance Program from The Hartford
41
Years Protecting AARP Members
4/5
Customers Saved With The Hartford
$577
Average Car Insurance Savings†
a couple talking about their car insurance discounts and savings

Great Rates and Rewards on AARP® Auto Insurance From The Hartford1

With access to discounted car insurance rates, AARP members can enjoy quality coverage at an affordable price.
 
Don’t have an AARP membership? The Hartford can help you sign up.
 
At The Hartford, we know that insurance needs change as you get older, making us a trusted choice for car insurance for seniors.

AARP Car Insurance Discounts and Savings

As an AARP member, you get exclusive benefits on car insurance with The Hartford, including savings of up to 10% with your membership.† Additional discounts include:

Drive Safe and Save

Get rewarded for your safe driving with The Hartford’s TrueLane Program.^ Save up to 15% just for participating and earn a renewal discount of up to 40%, depending on your driving habits.^

Paid-in-Full

If you pay your bill in full instead of making monthly payments, you will be eligible to receive extra discounts.

Good Payer Discount

You can save up to 10% just for paying your bill on time.

5 Years Clean

Driving safely benefits everyone and helps you save on car insurance. AARP members who qualify can get lower rates. Maintain a clean driving record for five years and you can save up to 10% on your auto insurance policy.

Safety Features

The Hartford offers safe drivers discounts, including savings if your car has safety features, like anti-lock brakes or anti-theft devices.
 

How Much Can I Save on Car Insurance by Switching to The Hartford?

The Hartford offers affordable auto insurance for seniors. In fact, drivers who switch can save an average of $577† on their auto insurance compared to their prior insurance company.
Average Monthly Workers' Compensation Cost for The Hartford's Customers:**
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a happy customer of the AARP Auto Insurance Program from The Hartford
“What I like about being an auto insurance customer of The Hartford is knowing that they’re there 24/7. They care about me being on the road, and they care about my well-being on the road. Every time you get in the car, you know that somebody is looking out for you.”
– Matt McCoy, customer of The Hartford since 2014

Customized Car Insurance Coverages

It’s easy to customize car insurance coverage to fit your needs. With AARP vehicle insurance from The Hartford, you’ll be protected if:
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.
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.
Comprehensive insurance helps cover you in situations where your vehicle is damaged in a non-collision event. For example, this coverage can help pay to fix your car if it’s damaged by a natural disaster, vandalism or hitting an animal.
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.
Depending on your policy, auto insurance coverage options can vary. More coverages are available to extend your protection.

Why Choose The Hartford for Your Auto Insurance?

Outstanding Customer Service

The Hartford’s customer service representatives can help you compare auto insurance coverages and find the best option for you. If you’re ready to purchase a new policy or need to make an update to an existing account, we’ll be there every step of the way.

Fast and Easy Claims Process

In the unfortunate event that you need to make a car insurance claim, The Hartford is here to make the process as stress-free as possible. Our representatives are available to help with your claim 24/7. Customers consistently give The Hartford high ratings for their claims experience.

Exclusive Discounts and Savings

Since 1984, The Hartford has been offering AARP members exclusive discounts and benefits, including saving up to 10% on your policy by simply being a member.†
quote 1
“I have been very satisfied with my claim experience with The Hartford. I would recommend this company to anyone looking for a reliable and friendly car insurance company.”
 
Leah
review 1
quote 2
“The Hartford's representatives helped me every step of the way following my auto accident. Their help started immediately with sending a tow truck to get my car all the way through to paying the claim.”
 
Kenneth
review 2
quote 3
“I've had many different car insurance companies over the years. I've never dealt with a company so professional and accommodating … I highly recommend The Hartford, they've only been amazing.”
 
Michael
review 3
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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 to see what your state requires.
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Frequently Asked Car Insurance Questions

The Hartford offers several car insurance discounts to help you save, from bundling home and auto coverage to taking an approved defensive driving course. In fact, AARP members who switch to The Hartford could save an average of $577† on car insurance.
 
If you’re wondering “what is AARP?” – AARP provides exclusive member benefits, discounts and resources for people aged 50+.
Yes, almost every state requires drivers to have auto insurance. AARP vehicle coverage from The Hartford can help you stay compliant with state laws.
No, AARP as a company doesn’t offer AARP insurance, but car insurance with The Hartford is exclusively designed for AARP members. In fact, The Hartford offers the only national auto insurance program endorsed by AARP. To get your personal AARP member quote, call The Hartford at 800-684-1933.
On average, The Hartford’s customers pay between $121 and $162 a month for car insurance.2 However, how much you pay for car insurance is based on many personal factors, such as your location or driving history.
To get a car insurance quote from The Hartford, you’ll need to provide:
 
  • Basic personal details, like your name, address and date of birth.
  • Vehicle information*, like make, model and ownership status.
  • Details about any additional drivers
  • Information about your current auto insurance policy.
* Tip: Knowing your Vehicle identification number (VIN) will get you the most accurate price.
 
The Hartford is happy to help you get your AARP car insurance quote. Auto insurance coverage can be quickly and easily modified to make sure you get the protection you need to keep you and your loved ones safe. Call The Hartford today at 888-546-9099 to get started.

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Coverage for Other Vehicles

 
 
Last Updated: May 9, 2025
 
2 Auto insurance rates by age range from 9/1/22 to 8/31/23.
 
^ Not available in all states, terms and conditions apply.
 
*** Based on Maine Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for 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 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. 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 Hartford does not write new business in all areas, including the states of CA and FL.
 
§ 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.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
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, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire 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, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, 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 Nutmeg 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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