AARP Auto Insurance Review 2021

AARP auto insurance is provided through The Hartford. Drivers over 55 may enjoy the extra benefits that come standard with a policy from AARP, though AARP auto insurance quotes are higher than average, with monthly rates averaging $244. You'll need an AARP membership to qualify for The Hartford's AARP car insurance program.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 15, 2021

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A Concise Overview

  • AARP members can get auto insurance through The Hartford, which provides auto insurance for drivers over 55
  • Customer satisfaction reviews for AARP auto insurance are higher than average
  • AARP offers policy benefits that specifically benefit seniors

Drivers over 55 with an AARP membership may want to consider AARP auto insurance as well. AARP insurance is available through The Hartford, a company with a network of insurance agents throughout the country.

If you want to make the jump from your current provider to the AARP auto insurance company, make sure you research how to switch car insurance before canceling your current policy.

Before you learn about affordable AARP auto insurance, see how much you could save just by shopping around today. Enter your ZIP code into our free quote tool to get started.

What kind of coverage does AARP auto insurance offer?

AARP insurance is offered through The Hartford, which has a full network of insurance agents and all the coverage options that drivers have come to expect from their auto insurance.

In addition to the standard coverage options like liability insurance, collision, and comprehensive, drivers who choose AARP can expect the following standard policy benefits.

  • RecoverCare — RecoverCare helps out seniors following an accident. It pays for services like cooking, cleaning, transportation costs and other things you may not be able to do on your own following a crash.
  • 12-Month Fixed Rate — Many seniors are on a fixed income. AARP’s 12-month fixed rate allows seniors to plan their finances out for the entire year, which many other auto insurance companies don’t do.
  • New Car Replacement — Cars totaled within 15 months of purchase or with less than 15,000 miles qualify for new car replacement.
  • Lifetime Car Repair —If your car is fixed at an approved shop, you can use AARP’s lifetime car repair service.

In order to qualify for AARP auto insurance, you must already have an AARP membership.

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Does The Hartford AARP program have good auto insurance?

AARP auto insurance reviews are solid. J.D. Power reports above average reviews from customers in claims satisfaction and service experience. These rankings are for The Hartford, AARP auto insurance’s parent organization, and they include rankings for AARP’s auto insurance program.

The Hartford ranks first among mid-size insurers in particular, with a score of 895/1000. J.D. Power creates its rankings using metrics like estimation process, rental experience, settlements, claims handling, and repairs.

The Hartford has an A+ rating with A.M Best, which means they are financially stable.

How much does AARP auto insurance cost?

Affordable AARP auto insurance quotes are possible, though their policies can be higher than comparable policies from other companies. AARP auto insurance may be the best choice for drivers who are already AARP members or for those who want to take advantage of AARP’s standard coverage extras.

The average 6-month rate for a policy from The Hartford is $1464. Drivers who opt into The Hartford’s TrueLane app can expect additional savings.

The Hartford Average Six-Month Auto Insurance Rates With and Without TrueLane
TrueLane StatusThe Hartford Average Six-Month Rates
Average Rates with TrueLane $1,317 - $1,288
Average Rates without Truelane$1,464
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Younger drivers or those who don’t need AARP auto insurance benefits may not find the additional cost worth it and should consider quotes from multiple auto insurance companies.

What kind of discounts does AARP auto insurance have?

AARP auto insurance discounts are wide-ranging and varied. Drivers worried about the overall cost of insurance may be able to take advantage of AARP auto insurance discounts in order to get an affordable rate.

AARP has the following discounts available for some drivers.

  • Defensive driving
  • Policy bundling
  • Electric or hybrid vehicles
  • Upfront policy payments
  • Anti-theft devices
  • Multiple airbags
  • Good student
  • Young driver training
  • Alternative fuel
  • AARP membership

Discounts are likely to vary by state, driver, age, driving habits, and history and vehicle type among other things. Make sure you explore all discount opportunities when you buy AARP auto insurance. Use our auto insurance calculator to find out how much you can expect to pay for auto insurance.

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What is the best auto insurance for seniors?

The best auto insurance for seniors will depend quite a bit on their particular circumstances. There is no one-size-fits-all insurance choice, which is why it’s important to research the best auto insurance companies.

Usage-based insurance might be a good option for those who don’t expect to drive very many miles a year. The Hartford doesn’t offer usage-based insurance in the sense that you truly only pay for how much you drive, but they do offer discounts for low mileage drivers. This may be a benefit for seniors who don’t anticipate racking up the miles commuting to work anymore.

AARP Auto Insurance: The Bottom Line

The first step in getting AARP auto insurance is to get an AARP membership. The AARP auto insurance phone number is 1-800-684-5518.

The Hartford is one of the country’s oldest insurance companies and a solid reputation and all of the coverage options you could need. If you buy AARP auto insurance through The Hartford, you’ll be backed by a good company.

Now that you’ve finished reading all about ARRP auto insurance, take a minute to shop around. Enter your ZIP code below for fast, free quotes from top companies.

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