Discount Car Insurance and Savings

Looking for an AARP Car Insurance Discount From The Hartford?

The Hartford offers car insurance discounts and exclusive benefits specifically for experienced drivers. In fact, you can save up to 10% just for being an AARP member.†
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
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Updated: 05/06/2025
Read Time: 4 minutes
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Key Takeaways

  • The Hartford believes experienced drivers deserve affordable auto insurance. It’s why we offer discounts to help AARP members save money.
  • Discounts through AARP® Auto Insurance from The Hartford1 can be stacked to maximize savings and range from bundling car insurance with a home policy to paying in full or on time.
  • Drivers can also take advantage of benefits just for AARP members to help keep costs down, like RecoverCare§ coverage and disappearing deductible.

AARP Members Have Many Ways To Save On Auto Insurance

Did you know The Hartford is the official provider of the only national auto insurance program endorsed by AARP? For over 40 years, we’ve offered exclusive benefits and discounts to help lower car insurance costs for AARP members. With AARP Auto Insurance from The Hartford, you can drive with confidence knowing you’re covered at a price that fits your budget.
 
Discounts include:

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.

Defensive Driver Course

If you’ve completed an approved defensive driving course such as the AARP Driver Safety Course, you can enjoy a defensive driving discount of up to 5% on your car insurance for the next three years. Just send us a copy of your certificate, and we’ll apply the credit to your car insurance premium.

Drive Safe and Save

Drive your price with our TrueLane Program. You’ll save up to 15%^ when you sign up within 60 days of your first policy. Plus, being a responsible driver can help lower your premium. You could earn a renewal discount of up to 40%, depending on your safe driving habits. Riskier habits may result in a higher premium.

Safe Driver Training Discounts

You can get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course.

Safety Features

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

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.

Vehicle Fuel Type

At The Hartford, it’s not just how you drive, it’s what you drive. You may get extra auto insurance driver discounts if your car is a hybrid or electric vehicle.

Added Coverages To Help You Save Money on Car Insurance in the Future

In addition to discount vehicle insurance for AARP members, The Hartford offers optional coverages that give you extended financial protection. That way, you can save money even when an unexpected accident occurs. These include:
 
New car replacement coverage if you total your new car. We’ll even pay to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
 
RecoverCare§ coverage to help pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
 
Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
Tip:
If you’re able, choose higher car insurance deductibles to reduce your monthly payments. However, if you are involved in an at-fault car accident down the road, you'd need to pay your higher deductible for repairs. Our representatives are here to help figure out the right auto coverage for you at 888-546-9099.
Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.‡
 
Rental Car Reimbursement Coverage, also called transportation expense coverage, to help pay for a rental car while your vehicle is in the shop after an accident.
 
Accident Forgiveness, which excuses your first accident if you need to file a car insurance claim, as long as all drivers on your policy have a clean driving record and are accident-free for five straight years with The Hartford.‡
woman happy to Save Money With AARP Auto Insurance Discounts

Save Money With AARP Auto Insurance Discounts

Since 1984, The Hartford has helped AARP members take advantage of discount car insurance options, while making sure they have enough coverage to be fully protected. Learn more about how to save on car insurance with AARP Auto Insurance from The Hartford. Get your personal AARP member quote online or speak with a customer service representative at 888-546-9099 today.

Hear What Customers Say About The Hartford's Discounts on Auto Insurance

At The Hartford, we’re proud to be a car insurance company that has earned a reputation for integrity and trust. Read our customers’ car insurance reviews to hear for yourself.
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“Service was quick, efficient and professional. No hassle, no arguments. Agents were extremely polite and thorough. Will stay a member of The Hartford for every vehicle I own. Thank you!”
 
Audrey
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“[I’ve] been with The Hartford for many years. Their service is outstanding, professional and always friendly. Fast and reliable and trustworthy. Give it a try, you will not regret your decision.”
 
Irene
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“From start to finish my claims experience was smooth and professional. My representative kept me up-to-date and worked well with the body shop during a rather complicated estimate process.”
 
Bruce
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“Every experience I have had with The Hartford has been so positive. They are the nicest and most helpful people I have ever dealt with. I would never change to another company. I sing their praises to everyone that I talk about insurance with. Absolutely the best!!”
 
Kevin
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“My vehicle was a total loss. It was processed promptly and very fairly. I received more than a fair reimbursement to replace my vehicle. A comfortable and easy experience.”
 
Roger
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“Simple, easy and fast. Helped me with all my needs and provided excellent care. I will only use The Hartford!”
 
Melissa
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Auto Insurance Discounts FAQs

When it comes to protecting yourself and others, the cheapest car insurance may not come with the coverage you need to have peace of mind on the road. Tailored for drivers 50 and older, AARP Auto Insurance from The Hartford offers exclusive benefits and savings plus customizable coverage options, so you don’t have to sacrifice price for protection.
We believe safe drivers deserve a discount. Vehicle insurance from The Hartford offers many ways to save, from having certain safety features to staying accident-free. To learn more about how you can save on car insurance with The Hartford, speak with a representative today at 888-546-9099.
You can save over $800, or up to 12% on your auto insurance and up to 20% on your home, condo or renters insurance, when you bundle with AARP Auto and Home Insurance from The Hartford.** Other ways to qualify for discount auto insurance include taking a defensive driver course, paying your premium in full or consistently driving safely.
To qualify for AARP Auto Insurance from The Hartford, you’ll need to be an AARP member. If you’re not already a member, The Hartford can help you sign up. 
The costs for defensive driving courses can vary. Generally, they are around $15 to $100. At The Hartford, completing an approved course, like the AARP Driver Safety Course, can give you a three-year premium discount on auto insurance of up to 5%.
You can find approved safe driver or defensive driver training courses online or by calling The Hartford at 888-546-9099.

Related Articles

 
 
^ Not available in all states, terms and conditions apply.
† 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.