We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

AARP Auto Insurance Program from The Hartford review

Last updated:  

Drivers over 50 enjoy exclusive discounts for their driving experience

finder.com’s rating: 4.0 / 5.0


  • Get a quote if you want a policy tailor-made for you.
  • Pick something else if you have a poor driving record.
  • Senior drivers with an AARP membership will like the many perks.


Roadside assistance

New car protection

Accident forgiveness


States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Optional
Pay schedule 12 months
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes


  • Lifetime renewability for AARP members
  • Lifetime car repair assurance
  • RecoverCare post-accident support
  • 24/7 claims hotline


  • Only for drivers over 50
  • Mixed customer reviews
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount Yes
Other discounts Paid-in-Full Discount. Get a discount when you pay your premiums in a single, lump-sum payment.
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

Expert review

Roslyn McKenna

Review by

As an insurance publisher for finder.com, Roslyn McKenna is driven to help people get a great deal on car insurance so they can enjoy the ride. Roslyn has put her Bachelor of Arts in Writing and Communications to good use by covering topics ranging from finance to insurance.

Expert review

While The Hartford’s individual policies might be geared toward older drivers, this provider most likely has a plan that suits your car insurance needs and requirements. If you’re looking for great coverage with a suite of additional benefits like rate protection and post-accident care, The Hartford’s auto insurance might be right for you.

What car insurance coverage can I get from AARP?

You can get all the standard coverage types you’d find from other insurers, if each coverage type is available in your state, including:

  • Liability. Helps cover claims from another driver when you’re at fault for a car accident.
  • Collision. Helps cover damages to your car if you hit another car or object.
  • Comprehensive. Helps pay for damages that aren’t caused by a collision, like fire, flooding, hail, theft or vandalism.
  • Personal injury protection. Helps cover medical bills for you and your passengers, regardless of fault.
  • Uninsured/underinsured motorists. Helps pay for damage caused by an uninsured or unknown driver, or drivers without enough insurance to cover your repairs or medical bills.
  • Roadside assistance. Helps pay for breakdown recovery including towing, labor charges, dead battery, flat tire and gas delivery.
  • Rental car reimbursement. Helps pay for the cost of a rental car up to a certain limit after a covered accident.

What extra benefits can I get?

The Hartford offers a number of special programs and purchased add-ons to benefit its members, depending on if this coverage is available in your state or you meet the requirements.

  • 12-month rate protection. This means once you sign up for a 12-month policy, you’re guaranteed that rate for the next year.
  • Lifetime renewability. As long as you’re licensed to drive and you pay your premiums, you can get coverage for life, meaning you won’t lose your insurance for filing a legitimate claim. Check the conditions to make sure you can qualify.
  • First accident forgiveness. When you purchase this add-on or qualify for it after all drivers on your policy keep a clean driving record for five consecutive years, you won’t face rate increases after your first accident.
  • New car replacement coverage. If your new car is totaled in the first 15 months or 15,000 miles, whichever is first, you can get a new car with the same make, model and equipment, without factoring in depreciation.
  • Full glass coverage. Covers the full cost of replacing your windows and windshield with no deductible.
  • Lifetime car repair guarantee. When you make a covered claim and get repairs at an authorized repair shop, the repairs are covered for as long as you own or lease the car.
  • RecoverCare post-accident support. If you’re injured in an accident, you can get reimbursed up to $2,500 for help with home services you can’t perform after an accident, including dog walking, mowing the lawn, preparing food and transportation.
  • Disappearing deductible. Your collision deductible is reduced for every year you go without an accident.
  • Deductible waiver. If you’re not at fault in an accident, your collision deductible will be waived.
  • Combined deductible. If you have multiple vehicles or other properties insured on the same policy, you’ll only pay the higher of the two deductibles when making a claim that involves both.
  • $100 deductible reduction. If you use an authorized repair shop and you’re not at fault for an accident, your collision deductible will drop by $100.
  • AARP member benefits. AARP members can get better rates on auto insurance, discounts with associated companies and more, which can increase the longer you’ve been a member.

What car insurance discounts can I get?

The Hartford’s auto insurance coverage is one of the most affordable options for mature drivers. However, it also offers a variety of discounts to help drive down the price:

  • Anti-theft device. Save money on your comprehensive coverage if your car is equipped with anti-theft devices such as alarms and trackers.
  • Safety device. Get a discount if your car has factory-installed airbags, with extra savings for having more than one.
  • Hybrid. Get an extra discount when you insure a hybrid or electric car.
  • Driver training. Drivers under 21 in most states or 25 in Georgia can get a discount for successfully completing an approved training course.
  • Good student. Full-time college or high school students between ages 16 and 25 can get a discount for maintaining a B average, 3.0 GPA, placing in the upper 20% of their class, or making the Dean’s List or Honor Roll. You’ll need to send in proof, like a report card, each semester to keep the discount.
  • Defensive driver. Get a discount for the next 3 years when you complete an approved defensive driving course and send in your completion certificate.
  • Bundling. Combine your home and auto policies and save both policies.
  • Paid-in-full. Get a discount when you pay your premiums in a single, lump-sum payment.

Pros and cons


  • Great customer reviews. The Hartford’s website has almost 30,000 customer reviews with an average rating of 4.8 out of 5 stars.
  • Loads of benefits. Policies come with a number of extra features and benefits, even more so for those who are members of AARP.
  • 24/7 claims hotline. You’ll have access to customer service at all hours — because problems don’t just come up during the normal workday.


  • Exclusively for drivers age 50+. The Hartford partners with AARP for its individual insurance services, and some of its policy options may not be optimal or even available for younger drivers.
  • Not ideal for high-risk drivers. The Hartford’s auto insurance options are geared toward mature and experienced drivers Those with multiple infractions or who are considered high-risk drivers may end up paying more than they need to.
  • Limited online access. You can only get a quote online in some states. To get a quote and purchase coverage, you might need to make a phone call or visit an agent.

What do customers say?

The Hartford has an A- independent rating from the BBB and is not accredited, although that doesn’t necessarily reflect badly on the company. BBB accreditation isn’t mandatory, and seeking that accreditation doesn’t suit all businesses.

The Hartford is rated excellent in terms of financial stability, receiving an “A” grade from Standard & Poors and similar marks from other institutions, for an overall BBB composite score of 3.23 out of 5 stars. However, the company received nearly 300 customer complaints, with the majority focused on problems with their products/services and billing/collection issues.

TrustPilot gave a more favorable score of 9.4 out of 10 stars, and 91% of the customers who reviewed The Hartford there gave it an “excellent” rating. Many of the customer reviews praised the insurance company for their great customer service and ability to help them save money.

How to apply

Applying for coverage with The Hartford can be done by phone or in person through an agent. While the company advertises an online quote tool, it rarely works, so your best bet is to speak with an agent. To get a quote, start by calling 1-888-413-8970 to speak with an agent and find out how to move forward. Here’s what you’ll need:

  • Name and date of birth
  • Residential address
  • Contact information including email and phone number
  • Vehicle information including daily commuting distance
  • Claim and insurance history
  • Education history and employment status

Compare car insurance alternatives

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Find basic coverage and low rates through its easy online or app-based experience.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

How to contact customer support

  • Phone: 1-877-896-9320
  • Mail: The Hartford, P.O. Box 14219, Lexington, KY 40512
  • Fax: 1-877-293-2072
  • Online service center at thehartford.com

The Hartford’s cancellation policy

How to make a claim

  • Call the 24/7 claims line at 1-877-805-9918
  • Start a claim online at The Hartford’s website

Frequently asked questions

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site