AARP Benefits and Discounts

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Key Takeaways

The Hartford offers stackable discounts, savings and exclusive benefits for AARP members. In fact, you can save up to 10% simply by having an AARP membership.^†
AARP^® Auto Insurance from The Hartford¹ also comes with customizable coverage options to meet the unique needs of experienced drivers.
You’ll need to be a member of AARP to get a policy with The Hartford and start taking advantage of benefits just for members. If you’re not a member, don’t worry. We can help you sign up.

The Hartford call center employee happy to help with AARP member benefits

AARP Membership Benefits Included with AARP Auto Insurance From The Hartford

For over 40 years, The Hartford has offered the only national auto insurance program endorsed by AARP. We’re proud to have helped protect millions of AARP members and counting, and we believe in rewarding experienced drivers through exclusive offerings and car insurance discounts.

AARP Auto Insurance from The Hartford comes with AARP member benefits to help you save on car insurance premiums, including savings of up to 10% just for having an AARP membership.^† Discounts from The Hartford also include things like starting your quote online, having certain vehicle safety features or bundling your auto and home coverage to save over $800.** Since 1984, we’ve offered a range of unique savings opportunities for AARP members, because we believe that providing quality protection doesn’t have to mean sacrificing price.

Understand AARP Membership Benefits for Car Insurance With The Hartford

When it comes to AARP benefits, the list doesn’t stop with premium savings from The Hartford. It extends to customizable coverage options to meet your unique car insurance needs. That way, you can enjoy peace of mind on the road knowing you’re protected with:

Lifetime Car Repair Assurance

After you file a covered claim, The Hartford can help you find a trusted repair service, so you don't have to go through the hassle yourself. With over 1,600 shops in our approved network, we can help you find quality repairs.

New Car Replacement

If you total your new car, The Hartford can help cover the cost to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.^§§

RecoverCare^§

We can help pay for home services, like house cleaning, if you're ever involved in an accident and can't do them yourself.

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.^‡

Disappearing Deductible

If you are a safe driver and maintain a clean driving record, disappearing deductible can help reduce your collision deductible on your auto policy over time.^‡

Roadside Assistance

Roadside assistance is a program that offers 24/7 nationwide emergency roadside assistance benefits for customers of The Hartford. Roadside assistance plans include towing service, locksmith service, flat tire service and more.

Who Is Eligible for AARP Auto Insurance From The Hartford?

You may be eligible for AARP Auto Insurance from The Hartford and not even realize it. To get coverage, you’ll need to:

Meet the minimum AARP age requirement of 50+
Be a member of AARP
Have a valid driver's license from your state

Not a member of AARP? We can sign you up during the quote process to save you time.

couple pleased after getting AARP membership discounts

Get a Car Insurance Quote

For every journey you take, The Hartford is here to help you drive with confidence, knowing you’re covered without breaking the bank. To start taking advantage of exclusive car insurance benefits and learn more, call The Hartford at 800-546-9099 or get a car insurance quote online today.

What Members Say About the Benefits of AARP Auto Insurance From The Hartford

“While no one wants to file a claim, that's when you find out how good your insurance company really is. The Hartford was the best. Seamless and professional!”

Joseph

“Unfortunately, I had my first accident in 40 years. I was extremely anxious about how the claim would go. The Hartford was responsive, quick, professional and easy to deal with. I recommend them highly.”

Michael

“The Hartford treated me with respect, and all parties were kind and helpful. They made me feel like they cared. Having an accident is never pleasant, but they helped us through it as best they could.”

Kenneth

“First time in an accident in a long time. The entire claims process was fast and easy. From online submission, to working with the approved repair shop, the process was coordinated and well executed.”

Andy

“Satisfaction from the first call to the last. Kind and considerate help was given, and I was informed of everything that was happening in my case.”

Lorene

“Everyone at The Hartford was a pleasure to talk to and communicate with. We could not be happier.”

Linda

FAQs About AARP Benefits and Discounts

What Are the Car Insurance Benefits of an AARP Membership?

With AARP Auto Insurance from The Hartford, you get access to a wide range of AARP member discounts and exclusive car insurance benefits. For example, if you with The Hartford, you can save an average of $813.** Not to mention, The Hartford offers customizable coverage options to make sure you have the unique protection you need.

How Much Does It Cost To Join AARP?

The annual membership fee to join AARP costs $20 per year and gives you access to AARP membership offers that can help you save down the road.

How Do I Get AARP Auto Insurance From The Hartford?

It's quick and easy to get AARP Auto Insurance from The Hartford. Simply get a car insurance quote online or call The Hartford at to start taking advantage of exclusive benefits for AARP members.

Is AARP Auto Insurance From The Hartford Available in My State?

While AARP Auto Insurance from The Hartford is available in most states, you can find specific information on your location by visiting our auto insurance by state page.

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^† 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.