AARP Car Insurance Discounts

Save big with the AARP Auto Insurance Program from The Hartford 

Why do people choose AARP car insurance?

Through the AARP Auto Insurance Program from The Hartford, drivers age 50 and older have been gaining access to discounted AARP car insurance rates as well as other exclusive benefits since the 1980s. Today, The Hartford remains the only car insurance program backed by AARP.  

With this partnership, The Hartford provides AARP members with several options for coverage. These include: car insurance, home insurance, RV insurance, boat insurance, ATV insurance, and more. 

Benefits of AARP car insurance through The Hartford

Since 1984, The Hartford has offered AARP members age 50 and older exclusive car insurance benefits, including:

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Customizable car insurance

By enrolling in the AARP Auto Insurance Program from The Hartford, you gain the ability to customize your car insurance coverage for your specific needs. Depending on the type of insurance you are looking for, this coverage can protect you if you cause an accident, your car is damaged (whether from a collision or from a non-collision event), or if you are hit by an uninsured or underinsured driver.  


Accident forgiveness

Even the safest drivers can be involved in an accident. AARP and The Hartford offer accident forgiveness to drivers who have maintained a clean driving record for five years straight. With this, your rates will not go up just because of your first accident.

Disappearing deductible

Opting into a disappearing deductible with The Hartford car insurance allows drivers who keep a good driving record to reduce their collision deductible by up to $500. 

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24/7 Roadside Assistance

With AARP and The Hartford’s 24/7 roadside assistance you never have to feel alone during a roadside emergency again. Any AARP member with car insurance through The Hartford can get the help they need whenever they need it through RESCUE-1-800 by dialing 800-322-7789.

New car replacement coverage

In the event your new car is totaled, you will be reimbursed for the price of a new car of the same make, model, and equipment without deduction for value depreciation.

RecoverCare – Assistance After an Accident

If you are involved in an accident, RecoverCare coverage is there to reimburse you for your expenses while recovering such as house cleaning, lawn maintenance, snow removal, transportation services, food preparation, dog walking, and more.


Lifetime car repair assurance

To save you the trouble of having to find a trusted repair service following a covered claim, The Hartford car insurance is there to find one for you. They have a network of more than 1,600 repair shops and if you choose to use one of them, The Hartford will stand behind the quality of the repairs for the duration of time you own or lease your vehicle.

Save on Car Insurance for AARP Members

How to save money with AARP car insurance

Bundle your insurance

By bundling your home and auto insurance with AARP and The Hartford, you can save up to 5% on auto insurance and up to 20% on condo, renters, or home insurance. Besides saving you time and money, bundling also makes it easy to manage more than one policy from the same online account and get coverage tailored to your specific needs.

Exclusive AARP car insurance discounts

With auto insurance through The Hartford, AARP members get access to several exclusive deals and discounts, including:

  • Paid-in-full discount – Get rewarded with  car insurance discounts when you pay your full balance all at once rather than making monthly payments.
  • TrueLane safe driving app – Be rewarded for being a safe driver! Automatically save 12% discount when you sign up with the smartphone app and, based on how well you drive, you can get up to 25% off your car insurance when you renew.
  • Defensive driving course – Completing an online defensive driving course makes you eligible for car insurance discounts and depending on your state, is valid for about two years.
  • Online quote to save – AARP members can get a quote online and save money while they do it. Several states offer the ability to get a car insurance quote online and save.

Frequently asked questions

Does being an AARP member decrease my insurance premiums?

With the AARP Auto Insurance Program from The Hartford, a program exclusively for AARP members, you could save hundreds on your car insurance with features such as customizable car insurance, accident forgiveness, and disappearing deductible.

What is the cheapest insurance for seniors?

Car insurance through AARP and The Hartford offers people age 50 and older several ways to ensure they are getting the cheapest price for their car insurance through their senior driving car insurance discounts.

Is The Hartford insurance only for AARP?

Yes, since 1984 The Hartford has been offering car insurance exclusively for AARP members age 50 and older.

Auto coverage benefits

It’s important to review your policy documents carefully to understand the exact coverage options and limitations specific to your AARP Auto Insurance policy. Additionally, speak with an insurance representative to clarify any questions and ensure you have the appropriate coverage that suits your needs.

The Hartford & AARP

The two organizations have collaborated to offer specialized insurance products and services exclusively for AARP members. The partnership provides AARP members with access to tailored insurance solutions, including AARP-branded auto insurance, homeowners’ insurance, and other insurance products. The offerings are designed to cater to the specific needs and preferences of older individuals, providing them with comprehensive coverage options and benefits.


What insurance is associated with AARP

AARP members have access to a variety of insurance offers including healthcare, Medicare, pet insurance, vehicle, life, and property insurance.

Is AARP and unitedhealthcare the same?

AARP Medicare Advantage plans are insured by UnitedHealthcare, which is the largest Medicare Advantage provider in the country. AARP and UnitedHealthcare have a partnership that allows UnitedHealthcare to sell AARP-branded Medicare products.

Can anyone have AARP insurance?

While AARP is focused on people over 50, there is no minimum age requirement to join. People of all ages can get an AARP membership.

Is AARP membership worth it?

Whether AARP membership is worth it depends on individual circumstances and preferences. AARP offers various benefits and discounts to its members, particularly for those aged 50 and above. Some benefits include discounts, advocacy, resources, and feeling of community.