Car Insurance for Seniors

Since 1984, The Hartford has offered exclusive benefits and car insurance discounts for AARP members, plus customizable coverage to meet the unique needs of senior drivers.
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: 04/21/2025
Read Time: 6 minutes
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You can pay as little as $78*** a month for car insurance with AARP Auto Insurance from The Hartford.
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Key Takeaways

  • AARP members who switch to The Hartford can save an average of $577† on their car insurance.
  • On average, The Hartford’s customers pay between $121 and $162 a month for car insurance.2
  • From bundling to completing an approved defensive driver course, The Hartford offers several ways for seniors to save on car insurance.

Car Insurance Made for Senior Drivers

Whether you’ve changed your driving habits or are looking to buy a new vehicle, it’s important to find an insurance company that understands the needs of senior drivers. At The Hartford, we understand that car insurance needs change as you get older, earning us the reputation of being a trusted insurance company for experienced drivers.
 
With AARP® Auto Insurance from The Hartford,1 you can take advantage of customizable coverage options to fit your needs while saving money. Plus, you can enjoy exclusive benefits for seniors, like saving up to 10% just for being an AARP member.†
 

The Best Car Insurance for Seniors

Seniors should look for several factors to find the best auto insurance, like:
 
  • Comprehensive coverage
  • Availability of endorsements and add-on coverages
  • 24/7 roadside assistance and claim service
  • Special discounts for senior drivers
  • Strong car insurance reviews
 

How Much Is Auto Insurance for Senior Drivers?

Senior car insurance rates vary because every driver has unique needs. Here are the average costs that The Hartford’s customers pay for auto insurance:3
Age The Hartford Avg. Annual Premium The Hartford Avg. Monthly Premium
50-59 $1,942 $162
60-69 $1,517 $126
70+ $1,450 $121
It’s important to remember that how much you pay for car insurance is based on many personal factors, such as your:
 
  • Location
  • Driving history
  • Discounts selected
To learn more about coverage options, benefits for senior drivers or how much your car insurance will cost, call The Hartford at 888-546-9099 or get a car insurance quote for seniors online today.
 

Ways To Save on Senior Auto Insurance

AARP members who switch to The Hartford can save an average of $577 on their car insurance.† That’s because The Hartford offers car insurance discounts for seniors and exclusive benefits to help you save on costs. How you can save on car insurance:
Bundle your home and auto insurance policies to save over $800 with AARP Auto and Home Insurance from The Hartford.**
Sign up for The Hartford’s TrueLane Program, a usage-based smartphone app that recognizes and rewards safe driving. You’ll save up to 15%^ when you sign up within 60 days of your first policy. Plus, you can earn a renewal discount of up to 40%, depending on your safe driving habits.
Maintain a clean driving record and stay accident free to help save money. That’s because at The Hartford, we believe in rewarding good drivers.
Complete approved driving courses, like a defensive driver course. These courses can grant you a discount for up to three years on your car insurance.
You can save up to 10% on your car insurance for just being an AARP member.†
woman protected by auto insurance for seniors

5 Ways Seniors Get the Best Auto Insurance Rates

As an experienced driver, you deserve car insurance that protects you and your loved ones without breaking the bank. When you’re shopping for car insurance, be sure to:

1. Compare Quotes

Car insurance rates can vary by company, so compare insurance quotes to help determine if you’re getting the right policy at the right price.
 

2. Look for a Policy Designed for Seniors

As you get older, you’re more likely to find insurance coverage that meets your needs if you look for policies that are specifically designed for mature drivers.
 

3. Adjust Coverage To Meet Your Needs

Auto insurance for seniors isn’t a one-size-fits-all coverage. It’s important to customize your car insurance to make sure your policy has enough protection for you. Remember – the cheapest car insurance isn’t necessarily the best one for seniors. Auto insurance should strike a balance between affordability and quality coverage, especially as needs evolve with age.
 

4. Review Requirements in Your State

Coverage requirements are different in each state. Coverage limits and deductibles are some of the many factors that influence car insurance rates, so costs will vary. The best way to learn about required coverages and costs in your state is to get a quote.
 

5. Bundle Your Home and Car Insurance

There are many auto insurance discounts you can take advantage of to get the best rate. One discount that saves you money and time is bundling homeowners and auto insurance for seniors. With AARP Auto and Home Insurance from The Hartford, you can save $813 just by combining your auto and home insurance policies.**

Frequently Asked Car Insurance for Seniors Questions

Age is just one factor when calculating the cost of car insurance. Typically, car insurance costs decrease with age, as you are considered more experienced on the road and less likely to cause an accident.

The Hartford offers numerous discounts you can take advantage of to get the best rate, like bundling homeowners and auto insurance for seniors. In fact, you can save $813 when you combine your policies with AARP Auto and Home Insurance from The Hartford.**
Some studies have shown that your risk of being involved in a fatal accident increases with age for every mile driven, which could impact the cost car insurance for senior citizens.4
 
Because The Hartford believes in rewarding experienced drivers, we offer exclusive car insurance benefits and discounts to AARP members to help reduce car insurance costs.
As an experienced driver, it’s important to get car insurance that fits your specific needs. The Hartford is proud to offer the only auto and home insurance program endorsed by AARP for over 40 years and counting.
As the official provider of AARP Auto Insurance from The Hartford, we offer exclusive benefits and discounts to help reduce the cost of car insurance for seniors. For example, The Hartford offers car insurance savings of up to 10% just for being an AARP member.†
Is car insurance cheaper as you get older? The answer is yes and no. As a group, senior drivers are considered relatively safe on the road, driving fewer miles and modifying driving habits in poor driving conditions. This can lead to lower car insurance costs. Designed for experienced drivers, the AARP Auto Insurance Program from The Hartford offers exclusive benefits and additional savings for AARP members who are safe on the road.
 
However, it’s important to remember that many factors determine car insurance costs. To learn more and get your personal AARP member quote, call The Hartford at 888-546-9099.

Customer Reviews

quote 1
“I was rear-ended by a hit and run driver. The Hartford made a bad experience much easier to manage.”
 
Retired senior
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“The Hartford staff provided me with a rental car and even extended my rental for a few days. Excellent service provided for all aspects of my claims experience.”
 
Bill the senior
review 1
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“Although I was embarrassed about backing into a sign, the claims people with whom I spoke were not judgmental. They made me feel comfortable. … The Hartford works well with seniors.”
 
Cas
review 1
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“This was the first time I had an accident. … The whole process took less than 2 weeks and I'm thrilled with my new car. THANK YOU The Hartford!!!!!!!”
 
Frieda, a very happy Senior citizen!
review 1
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“We dreaded going through this process, so we were surprised, even amazed, at how smoothly it went. … This company knows how to get things done and keep their customers happy.”
 
Senior driver
review 1
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“First time and having a total loss vehicle which we have had for over 12 years with really no problems. It was a very emotional experience to have to let the car go and The Hartford made it really easy and comfortable for me.”
 
Senior citizen
review 1

Related Articles

 
 
2,3 Auto insurance rates by age range from 9/1/22 to 8/31/23.
 
4,5 Insurance Information Institute (III), “Senior Driving Safety and Insurance Tips”
 
^ 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.