Affordable Auto Insurance for Seniors

At The Hartford, we believe in rewarding mature drivers who are safe on the road. That’s why the AARP® Auto Insurance Program from The Hartford1 offers discounts and exclusive benefits for seniors, including saving up to 10% on car insurance 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.
LinkedIn Profile
Updated: 01/27/2025
Read Time: 6 minutes
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Key Takeaways

  • If you’re looking for affordable auto insurance for seniors, The Hartford offers the protection you’ve earned as an experienced driver without breaking the bank.
  • On average, The Hartford’s customers pay between $121 and $162 a month for car insurance.2
  • From paying your bill in full to starting your quote online, The Hartford offers numerous car insurance discounts to help seniors save.

How Much Is Auto Insurance for Senior Drivers?

Is car insurance cheaper as you get older? Yes and no. As a group, senior drivers are considered relatively safe on the road because they drive fewer miles and modify their driving habits in poor driving conditions. This can lead to lower car insurance costs.
 
However, 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 of car insurance for seniors.3 Ultimately, it's important to remember that low-cost auto insurance for seniors doesn’t always get you the coverage you need.
 
As the provider of the only auto insurance program endorsed by AARP, The Hartford understands the unique needs and wants of experienced drivers. We can help AARP members save money on full coverage car insurance at a time when many may face rising premiums.
 
We’ve compiled what customers of The Hartford pay on average for AARP car insurance:4
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
woman pleased by having affordable auto insurance for seniors

Save More With Affordable Car Insurance for Seniors

Since 1984, The Hartford has stood out among insurance companies for seniors, offering multiple ways to save on car insurance premiums. In fact, AARP members who switch to The Hartford could save an average of $577.†
However, it’s important to remember that car insurance rates for seniors are complex. The cost of car insurance can vary between auto insurance companies and is based on many factors, such as your location or driving history.
 
To get your personal AARP member quote, call The Hartford at 888-546-9099.
 

How Can Seniors Save on Car Insurance?

The Hartford offers a variety of car insurance discounts for seniors through the AARP Auto Insurance Program, including:
 
  • Bundling Home and Auto Insurance for Seniors: You can save an average of $813** when you bundle your car and home coverage with the AARP Auto and Home Insurance Program from The Hartford.
  • Good Payer Discount: You can save up to 10% just for paying your bill on time.
  • Paid-in-Full Discount: Extra discounts apply if you pay your bill in full instead of making monthly payments.
  • Quote Online To Save: The Hartford makes it easy to get a quote online and save money in the process. In fact, you can save up to 8% when you get a car insurance quote online.
  • Safety Features: You may be eligible for more savings if your car has safety features, like anti-lock brakes, anti-theft devices or more than one airbag.
  • Defensive Driver Course: If you’ve completed an approved defensive driving course, you can enjoy a discount of up to 5% on your car insurance for the next three years.
  • 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, you could earn a renewal discount of up to 40%, depending on your safe driving habits. Riskier habits may result in a higher premium.
  • 5 Years Clean: With the AARP Auto Insurance Program from The Hartford, good drivers get rewarded. By having no collisions, at-fault accidents or violations for at least five years on your driving record, you can save up to 10% on your auto insurance policy.

Related Articles

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