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AARP Auto Insurance Program from The Hartford review

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Drivers 50 and over enjoy exclusive discounts for their driving experience, plus enjoy perks tailored for senior drivers.'s rating: 4 / 5


  • 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 All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months
Claims methods Online, Phone
Rideshare coverage No
SR-22 support No


  • Disappearing deductibles
  • Perks like $2,500 for home services after an accident
  • Exclusive AARP member benefits
  • 24/7 claims service


  • Only for drivers over age 49
  • Mixed customer reviews
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount No
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount Yes

Review by

Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

The Hartford’s AARP car insurance specializes in car insurance tailored for senior lifestyles with perks like fixed rates for 12 months or post-accident support through its RecoverCare program.

Most customers seem pleased with its customer service and coverage features, but extra perks and added protections make its policies more expensive than with competitors.

If you’re looking for great coverage with a suite of additional benefits, The Hartford’s auto insurance might be right for you, but if you’re under 50 or want the cheapest rates it’s worth getting a quote from multiple insurers.

How to apply for AARP car insurance

Applying for coverage with The Hartford can be done by phone at 888-413-8970 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.

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

What car insurance discounts can I get with AARP?

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:

  • Bundling. Combine your home and auto policies and save both.
  • Defensive driver. Get a discount for three years when you complete an approved defensive driving course and send in your completion certificate.
  • Green car. Get an extra discount when you insure a hybrid or electric car.
  • Paid-in-full. Get a discount when you pay your premiums in a single, lump-sum payment.
  • Safe car. Get a discount if your car has factory-installed airbags, with extra savings for having more than one. You can also save money on your comprehensive coverage if your car is equipped with antitheft devices, such as alarms and trackers.

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 and comprehensive. Collision covers 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. You can supplement your health insurance with this insurance if you get in an accident. Medical bills for you and your passengers are covered up to your limit, regardless of fault.
  • Rental car reimbursement. Helps pay for the cost of a rental car up to a certain limit after a covered accident.
  • Roadside assistance. Covers costs that come with breakdown recovery, including towing, labor charges, battery jumps, flat tire changes and gas delivery.
  • Uninsured and underinsured motorists. Damage caused by an uninsured or unknown driver, or drivers without enough insurance, are covered under this protection.

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. However, The Hartford notes that terms and conditions apply to certain perks, so unfortunately you’ll need to contact an agent to confirm your options.

Enjoy these free perks with every policy:

  • 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.
  • 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.
  • New car replacement coverage. Get the full replacement value of your vehicle if your new car is totaled, with no deduction for depreciation.
  • 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 through RecoverCare, including dog walking, mowing the lawn, preparing food and transportation.

You can also pay to add these optional extras:

  • 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.
  • Disappearing deductible. Your collision deductible is reduced for every year you maintain a clean driving record. Not available in California.
  • Accident forgiveness. You won’t face a rate increase after your first accident, even if you’re at fault. Because additional terms and conditions apply, contact The Hartford to confirm the details in your state.

AARP Auto Insurance Program from The Hartford reviews and complaints

The Hartford has an A+ independent rating from the Better Business Bureau (BBB) and is not accredited as of April 2021. Its rating from the BBB reflects how it handles complaints filed with the agency, among other factors. The company received nearly 217 customer complaints in the past three years, with the majority focused on problems with billing and collection issues.

In terms of financial strength, The Hartford Financial Services Group carries a number of ratings ranging from A to A+ for AM Best and Standard & Poor’s. Its ratings show solid financial strength and mean it’s likely to be able to pay out any claims made.

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How to contact customer support

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

The Hartford’s cancellation policy

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