AARP® Auto Insurance Program From The Hartford

a man at peace knowing he is protected by the AARP Auto Insurance Program from The Hartford
Matt M., Customer since 2014
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Pay as little as $78*** a month with the AARP Auto Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.
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You could save over $800** when you bundle auto and home.
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40
Years Protecting AARP Members
4/5
Customers Recommend The Hartford
$577
Average Car Insurance Savings†
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Great Rates and Rewards on the AARP Auto Insurance Program From The Hartford

Since 1984, the AARP® Auto Insurance Program from The Hartford1 has offered car insurance exclusively for AARP members. Members who switch to The Hartford could save an average of $577† on their car insurance. Don’t have an AARP membership? The Hartford can help you sign up.
 
Start saving on your car insurance with The Hartford. Get a quote today.

AARP Car Insurance Discounts and Savings

As the official provider of the AARP Auto Insurance Program from The Hartford, The Hartford provides exclusive benefits and car insurance discounts to help AARP members save, including:

AARP Membership

The AARP Auto Insurance Program from The Hartford offers a savings of up to 10% for simply having an AARP membership.†

Paid-in-Full

If you pay your bill in full instead of making monthly payments, you will be eligible to receive extra discounts.

Defensive Driver Course

The Hartford offers safe drivers discounts on their auto insurance coverages. If you’ve finished an approved defensive driving course, you can enjoy discounts on your car insurance for the next three years.

Drive Safe and Save

Get rewarded for your safe driving with The Hartford’s TrueLane Program. You’ll save up to 12% just for participating and could earn a renewal discount of up to 25%, depending on your driving habits.^

5 Years Clean

With the AARP Auto Insurance Program from The Hartford, you can get car insurance discounts for being a safe driver. By having no collisions, at-fault accidents or violations for at least five years on your driving history, you can save up to 10% on your auto insurance policy.

Good Payer Discount

You can save up to 10% just for paying your bill on time.
 

How Much Can I Save on Car Insurance by Switching to The Hartford?

With the AARP Auto Insurance Program from The Hartford, you could pay as little as $78*** per month for your car insurance. In fact, drivers who switch can save an average of $577 on their auto insurance compared to their prior insurance company.
 
To learn more about these savings and benefits, call 888-546-9099 or get a car insurance quote online from The Hartford today in as little as eight minutes.
Find out how much you could save if you switch:
For payroll amount:
You could save
$577
on average
a happy customer of the AARP Auto Insurance Program from The Hartford

Our Customer Service Speaks for Itself

“What I like about being an auto insurance customer of The Hartford is knowing that they’re there 24/7. They care about me being on the road, and they care about my well-being on the road. Every time you get in the car, you know that somebody has your back.”
– Matt McCoy, customer of The Hartford since 2014
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Customized Car Insurance Coverages

The AARP Auto Insurance Program from The Hartford makes it easy to customize car insurance coverage to fit your needs.
 
With a policy, you’ll be protected if:
Car insurance policies include two types of liability coverage to help protect you if you’re at-fault in a car accident. If you cause an accident that injures another driver, bodily injury liability can help pay for their medical expenses. Property damage liability coverage can help cover costs if you damage property that doesn’t belong to you, such as someone else’s car or house.
With collision insurance, you’ll be covered if your vehicle is damaged from a collision with another car or object, like a tree or fence.
Comprehensive insurance, or “other than collision coverage,” helps cover you in situations where your vehicle is damaged in a non-collision event. For example, this coverage can help pay the costs to repair your car if it’s damaged by a natural disaster, vandalism or hitting an animal.
If you’re involved in an accident with a driver who doesn’t have insurance or enough insurance to cover damages, uninsured/underinsured motorist coverage can help you stay protected.
 
Depending on your policy, auto insurance coverage options can vary. The AARP Auto Insurance Program from The Hartford offers additional coverages to help protect you and your car.
More Coverages
a happy woman who knows her vehicle is protected with AARP car insurance from The Hartford

What Information Do I Need To Get an Auto Insurance Quote?

To get a car insurance quote from The Hartford, you’ll need to provide:
 
  • Basic personal details, like your name, address and date of birth.
  • Vehicle information, like make, model and ownership status. Tip: Knowing your Vehicle identification number (VIN) will provide the most accurate price.
  • Details about any additional drivers who will be on the policy, including their names and basic personal information.
  • Information about your current auto insurance policy.

Why Choose The Hartford for Your Auto Insurance?

Outstanding Customer Service

Whether you are comparing auto insurance coverages and deciding which option is best for you, ready to purchase a new policy or needing to make an update to an existing account, The Hartford’s customer service representatives are here to help.

Fast and Easy Claims Process

In the unfortunate event that you need to make a car insurance claim, The Hartford is here to make the process as stress-free as possible. Our representatives are available to assist with your claim 24/7. Customers consistently give The Hartford high ratings for their claims experience.

Exclusive Discounts and Savings

Since 1984, the AARP Auto Insurance Program from The Hartford has been offering AARP members exclusive discounts and benefits, including saving up to 10% on your policy by simply being a member.†

Auto Insurance Customer Reviews

quote 1
“After my parking lot accident … I was able to file my report through The Hartford website. … The Hartford made it so seamless including arranging for the car rental and all the other details. I am glad I switched to The Hartford several years ago due to my AARP membership. I heartily recommend this company.”
 
Marie
review 1
quote 3
“AARP-Hartford was quick to communicate with me and with the body shop. They helped me get a rental car right away.”
 
George
review 2
quote 4
“I had an auto mishap … The Hartford exceeds my expectations for service and value. I look forward to getting my vehicle back, and for continuing to be a customer (AARP) of The Hartford.”
 
Joseph
review 3
quote 2
“I filed a claim and The Hartford … worked everything out for me … I want to continue my coverage with The Hartford insurance on my next vehicle. I am pleased with AARP vehicle insurance.”
 
Ruby
review 4
quote 5
“The Hartford was fast, personable service and very professional. Hartford Insurance through AARP is well worth considering.”
 
Michael
review 5
quote 6
“The Hartford Automobile Insurance provided through AARP, is the most affordable, reliable insurance for Seniors.”
 
Linda
review 6
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What Car Insurance Is Required in My State?

Select a state using the map or dropdown menu. Note: Coverage is not available in all states. Or you can browse All States Car Insurance coverages to see what your state requires.
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Frequently Asked Car Insurance Questions

To get a car insurance quote from The Hartford, you’ll need to provide information about your:
 
  • Basic personal details, like your name, address and date of birth
  • Vehicles, including make, model and ownership status
  • Drivers, including their names and personal information
Yes, almost every state requires drivers to have car insurance.
Yes, AARP offers many exclusive benefits for members, including being eligible for the AARP Auto Insurance Program from The Hartford. In fact, you will save money on your car insurance simply by being a member.
You can save up to 10%† on your car insurance just by being an AARP member with the AARP Auto Insurance Program from The Hartford.
No, AARP does not have their own car insurance. However, The Hartford is the official provider of the AARP Auto Insurance Program from The Hartford, which is the only national auto insurance program endorsed by AARP. To get your personal AARP member quote, call The Hartford at 800-684-1933.
No, you don’t need auto insurance to test drive a car. The responsibility is on the dealerships or private sellers to make sure it’s insured. However, in most states car insurance is required if you want to purchase the car or drive it home.
The national average cost of car insurance is around $2,542 per year or $212 per month.3 This price can vary depending on multiple factors. For specific guidance, check out our car insurance cost calculator.
AARP car insurance video

AARP Auto Insurance 101

Learn more about the AARP Auto Insurance Program from The Hartford in this video.

Coverage for Other Vehicles

 
 
Last Updated: October 14, 2024
 
2,3 Bankrate, “Average cost of car insurance in January, 2024.”
 
^ 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 from 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.
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