Editor's Rating

The Hartford provides auto insurance to AARP members over the age of 50 and offers special policy features to best accommodate senior lifestyles that may not be found elsewhere.

AARP's car insurance rates from The Hartford are cheaper than average compared to major competitors. Combined with coverage offerings, AARP and The Hartford are a good option for seniors.

Good for
  • Seniors looking for special coverage options
  • Personalized customer service
  • Cheaper-than-average rates
Bad for
  • Drivers who don't need an agent 

AARP insurance from The Hartford review: Our thoughts

Bottom line: AARP's excellent reputation for servicing the needs of older adults makes it a worthwhile option to consider for those over the age of 50. The added protections for seniors don't make Hartford policies through the AARP more expensive than other large insurers, so AARP auto coverage from The Hartford is a strong option for older drivers. However, if you prefer not to work with an agent, this company will not be a good fit for you.

AARP has a longstanding history of serving older Americans as they age, and auto insurance partnership with The Hartford is no exception. The company's offerings are tailored to senior lifestyles, and both third-party and customer reviews indicate that AARP policies from The Hartford provide satisfactory service and claims-processing experiences.

In particular, AARP auto insurance from The Hartford includes additional accommodations for seniors such as its RecoverCare coverage.

AARP's special protections will cost drivers less than some major insurers, making the company well worth looking at for coverage.

The Hartford (AARP) auto insurance: Coverages, quotes and discounts

AARP auto insurance policies from The Hartford include standard coverages, several unique features geared toward elderly drivers and a few potential discounts.

AARP auto insurance quote comparison

Quotes from AARP through The Hartford are cheaper than premiums offered by Allstate and State Farm, which are some of the most popular auto insurance companies in the United States. Across three driver profiles, AARP was typically more expensive than Progressive, though cheaper than average, overall.

Insurance Quotes from AARP

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
Single man age 50
Single woman age 60
Married man age 60
The Hartford/AARP$1,551$1,431$1,332
State Farm$1,685$1,539$1,539

If you're 50 or older, we suggest giving The Hartford a strong look. A number of useful features, including RecoverCare, will benefit senior policyholders.

Nevertheless, we always suggest getting multiple quotes to understand who is able to provide the cheapest rate in your area. Enter your ZIP code to start comparing rates among the top insurers in the United States, and click through to get a quote.

AARP coverage options

AARP car insurance from The Hartford provides all the typical car insurance coverages seen at large, national insurers, including liability, uninsured/underinsured motorist, personal injury protection and comprehensive and collision coverage.

Yet AARP's policies also has other standard policy features that may be attractive to senior drivers, especially RecoverCare, a benefit that considers the needs of older adults. After a car accident, daily chores or tasks can become even more difficult for seniors. RecoverCare helps lighten that burden by temporarily covering necessary home services after a covered accident. These include transportation, food preparation, cleaning, lawn mowing and dog walking.

While availability and benefit levels can vary by state, insured individuals could get up to $2,500 covered for six months. This can offer a lot of peace of mind for seniors, caretakers and their families.

Other notable coverage options and features include:

New car replacement coverage

If you total a new car within the first 15 months after purchase or within 15,000 miles driven, this protection helps replace it with a new vehicle of the same make and model.

Accident forgiveness

If all drivers on a policy have a clean driving record for five consecutive years, policyholders qualify for accident forgiveness and won't see their premiums increase after their first car accident.

Disappearing deductible

If you maintain a clean driving record, your collision deductible is reduced year after year with the potential to hit $0.

Some of these coverage options are available only in certain states. Be sure to check online or with an agent to confirm eligibility.

AARP auto insurance discounts

For the most part, AARP car insurance discounts through The Hartford are typical compared to the policies offered by major insurers in the United States. One unique feature AARP offers is its own defensive driving program, the AARP Smart Driver course. Policyholders can take this class online within 60 days and may get rate discounts for 36 months.

While these discounts aren't remarkably unique overall, they will help you save on AARP/The Hartford's already below-average premiums.

Discount type
Max discount amount
Airbag installation10%–20%
Anti-theft devices5%–15%
Anti-lock braking system5%
Hybrid vehicleN/A
Multi-vehicle policy20%
Multi-policy credit7%–16%
New vehicleN/A
Persistency credit2%–8%

The specific discounts offered by AARP and The Hartford can vary depending on your driver profile, vehicle and location.

AARP auto insurance from The Hartford customer service and ratings

AARP customers can expect solid customer service from The Hartford. In both service experience and claims satisfaction, The Hartford has better-than-average customer reviews.

Indeed, in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study, The Hartford was first among more than 19 insurers analyzed. Customers rated insurers for their claims servicing, first notice of loss, estimation process, repairs, rental experience and settlement.

According to the National Association of Insurance Commissioners, The Hartford, which provides AARP's coverage, received a Complaint Index of 1.70 for personal auto insurance, indicating a relatively low degree of customer satisfaction with the service experience. The Complaint Index suggests that The Hartford received 70% more complaints than expected for an insurer of its size.

Customers should also not worry about whether AARP and The Hartford will have sufficient funds to pay out insurance claims. The Hartford has received an "A+" Financial Strength Rating from A.M. Best, which is among the highest possible ratings for an insurer and indicates solid financial stability.

About AARP Auto Insurance from The Hartford

The AARP, formerly the American Association of Retired Persons, offers a multitude of insurance products through its insurance partner, The Hartford Group. AARP's roots date back to 1958, when a former professor from California established the company as a nonprofit membership organization for people who are 50 and older. Today, there are nearly 38 million AARP members throughout the country.

The Hartford/AARP's customer service line is open from 8 a.m. – 9 p.m. EST on weekdays and 8 a.m. – 6 p.m. on weekends.

Phone number: 800-423-6789

To speak to a person: Press 0 for customer service.

Frequently asked questions

Is The Hartford/AARP a good car insurance company?

The Hartford is a good company for car insurance. It offers solid coverage options at a below-average price. Insurance from AARP is managed by The Hartford.

Is AARP car insurance cheap?

AARP insurance from The Hartford is cheaper than average. Quotes from AARP are cheaper than Allstate and State Farm but not Progressive for sample drivers.

Are AARP insurance and The Hartford insurance the same?

The Hartford is an insurance company that partners with AARP to sell car insurance to people over 50.

Who can buy car insurance from AARP?

Only people over 50 years old can buy insurance from The Hartford and AARP. AARP members will get an additional discount, but you don't need to be a member to buy a policy.


ValuePenguin analyzed thousands of quotes from every ZIP Code in California for three drivers: a 50-year-old single man, a 60-year-old single woman and a 60-year-old married man. Each driver owns a 2015 Honda Civic and has a clean driving record with the same coverage limits.

Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

Rate data was compiled using Quadrant Information Services. Rates should be used for comparative purposes only, and your own quotes may be different. They are sourced from public insurer filings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.