Understanding AARP Age Requirements and Membership Limits

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What Is the Minimum AARP Age Requirement To Get Auto Insurance From The Hartford?

You must be at least 50 years old and an AARP member to purchase a policy with the AARP® Auto Insurance Program from The Hartford.1 But you can add your spouse or children to your policy, even if they are under 50. 
 
For 40 years, The Hartford has protected nearly 40 million AARP members through the AARP Auto Insurance Program from The Hartford. As the provider of the only national auto and home insurance program endorsed by AARP, The Hartford is an insurance company that truly understands the unique needs of people who are 50 and older.
 

If You Meet the AARP Age Requirement for The Hartford, You're Eligible for These Benefits and Discounts

The Hartford offers a variety of discounts and benefits for AARP members through the AARP Auto Insurance Program from The Hartford, including:

AARP Car Insurance Discounts and Savings

Save up to 10%‡‡‡ just for being an AARP member. You’ll be eligible for discounts when you take a defensive driving course, pay in full and drive safely.

Accident Forgiveness‡

We understand every driver makes mistakes. If 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.

Home and Auto Insurance Bundle

You can save over $800 when you bundle your auto and home insurance policies with The Hartford.**

RecoverCare§

If you’re injured in a car accident, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you may need.

New Car Replacement§§

If you total your new car, we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.

Roadside Assistance

Get access to 24/7 nationwide emergency roadside assistance benefits for customers of the AARP Auto Insurance Program from The Hartford. Roadside assistance plans include towing service, locksmith service, flat-tire service and more.
 

Is AARP Membership Worth the Cost?

customer driving red car down the road who knows aarp age requirementWith a full year membership fee of $20 a year, AARP offers several benefits and savings opportunities. Your membership card unlocks discounts on car insurance and home insurance from The Hartford, as well as savings on travel, including car rentals, restaurants, shopping and groceries. AARP members can also enjoy the bi-monthly publication called AARP The Magazine and can take advantage of automatic renewal options without any upgrade fees. To learn more about the benefits available for AARP members through The Hartford, call us at 800-546-9099.

AARP Age Requirements FAQs

While AARP is designed for people over 50, you can join if you are 18 or older. However, to be eligible for the AARP Auto and Home Insurance Program from The Hartford, you must have reached the age of 50 or older.
The cost of an AARP membership is $20 a year, which grants you access to savings opportunities on travel, restaurants, shopping and groceries.
By joining AARP, you can take advantage of exclusive benefits for AARP members, including the Auto and Home Insurance Program from The Hartford.
To be eligible for the AARP Auto Insurance Program from The Hartford, you must have reached the age of 50 or older and be a member of AARP.
 

Get a Car Insurance Quote from The Hartford Today

For 40 years, we’ve been offering exclusive car insurance benefits and discounts to AARP members through the AARP Auto Insurance Program from The Hartford. To see how much you can save, get an online car insurance quote or speak with a representative at 800-546-9099 today.
 
 
Last Updated: February 10, 2025
** 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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