AARP

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.

However, AARP rates are typically more expensive than most major competitors, and shoppers should carefully consider the price they're willing to pay for the added protections for seniors. Drivers focused primarily on finding the cheapest rate may benefit from looking elsewhere.

Good for
  • Seniors looking for special coverage options
  • Personalized customer service
Bad for
  • Drivers searching for the lowest rates
  • Drivers who don't need an agent

The Hartford (AARP) insurance review: Our thoughts

AARP has a longstanding history of serving older Americans as they age, and its auto insurance policies are no exception.

AARP's offerings are well-tailored to senior lifestyles, and both third-party and customer reviews indicate that AARP provides satisfactory service and claims-processing experiences.

In particular, AARP auto insurance includes additional accommodations for seniors such as the RecoverCare coverage and a fixed 12-month car insurance premium.

  • RecoverCare helps seniors pay for critical home services that can become difficult after an accident, such as grocery shopping and house cleaning.
  • Similarly, a 12-month fixed rate makes it easier for seniors to predict their expenses and manage retirement income.

However, AARP's special protections do come at a price, and quotes are typically more expensive relative to other large U.S. insurers. Still, they may be worth the price, and shoppers should carefully balance the potential utility of such features with price when selecting an insurance provider.

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. Still, the added protections for seniors make AARP's policies typically more expensive than that of other large insurers, so shoppers should be mindful of price when considering a carrier. If you're just looking for the cheapest rate, you may be best served elsewhere.

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

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

In this review, we review AARP's auto insurance coverages and compare its rates to other industry-leading competitors.

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AARP coverage options

Auto insurance through AARP 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 also has several 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 grocery shopping, cooking, cleaning and lawn mowing.

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.
  • First 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.
  • Deductible waiver for not-at-fault accidents: In some states, if you're not at fault in an accident, AARP will waive your collision deductible for property damage.
  • Deductible reduction: If you end up having to pay for expenses that fall below your collision deductible, choose a repair shop authorized by AARP, and the insurer will reduce your deductible by $100.

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

AARP auto insurance quote comparison

Car insurance rates with AARP are generally more expensive than those offered by other major national insurers.

Quotes from AARP could not compete with the low premiums offered by Allstate, State Farm and Progressive, which are some of the most popular auto insurance companies in the U.S. Across three driver profiles, AARP was typically the most expensive, though it did beat out Progressive on rates for a single 60-year-old female.

However, if you're 50 or older, we suggest giving the Hartford a second look beyond price considerations. A number of useful features, including RecoverCare, will benefit senior policyholders.

Another noteworthy feature is AARP's 12-month rate guarantee. Most auto insurance policies lock in rates for six months, but the AARP/Hartford program does it for 12 months. This provides stability for policyholders living on a fixed income.

Insurance Quotes from AARP

Find Cheap Auto Insurance Quotes in Your Area

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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 U.S., and click through to get a quote.

To determine how car insurance rates at AARP compared with competitors, we collected quotes for three driver profiles with an annual policy in California. Our sample driver had a 2015 Honda Civic EX.

AARP auto insurance discounts

AARP car insurance discounts are, for the most part, typical compared to the policies offered by major insurers in the U.S. One unique feature is that AARP offers 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 AARP's discounts aren't remarkably unique overall, they will help you save on AARP's premiums, which tend to be more costly than average.

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 can vary depending on your driver profile, vehicle and location.

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motorist, personal injury protection, and comprehensive and collision coverage.\u003C\/p\u003E\n\n\u003Cp\u003EYet AARP also has several 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 grocery shopping, cooking, cleaning and lawn mowing.\u003C\/p\u003E\n\n\u003Cp\u003EWhile 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.\u003C\/p\u003E\n\n\u003Cp\u003EOther notable coverage options and features include:\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ENew car-replacement coverage\u003C\/strong\u003E: 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.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFirst accident forgiveness\u003C\/strong\u003E: 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.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EDisappearing deductible\u003C\/strong\u003E: If you maintain a clean driving record, your collision deductible is reduced year after year with the potential to hit $0.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EDeductible waiver for not-at-fault accidents\u003C\/strong\u003E: In some states, if you're not at fault in an accident, AARP will waive your collision deductible for property damage.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EDeductible reduction\u003C\/strong\u003E: If you end up having to pay for expenses that fall below your collision deductible, choose a repair shop authorized by AARP, and the insurer will reduce your deductible by $100.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003ESome of these coverage options are available only in certain states. Be sure to check online or with an agent to confirm you are eligible.\u003C\/p\u003E\n\n\u003Ch3 id=\"rating\"\u003EAARP auto insurance quote comparison\u003C\/h3\u003E\n\n\u003Cp\u003ECar insurance rates with AARP are generally more expensive than those offered by other major national insurers.\u003C\/p\u003E\n\n\u003Cp\u003EQuotes from AARP could not compete with the low premiums offered by Allstate, State Farm and Progressive, which are some of the most popular auto insurance companies in the U.S. Across three driver profiles, AARP was typically the most expensive, though it did beat out Progressive on rates for a single 60-year-old female.\u003C\/p\u003E\n\n\u003Cp\u003EHowever, if you're 50 or older, we suggest giving the Hartford a second look beyond price considerations. A number of useful features, including RecoverCare, will benefit senior policyholders.\u003C\/p\u003E\n\n\u003Cp\u003EAnother noteworthy feature is AARP's 12-month rate guarantee. Most auto insurance policies lock in rates for six months, but the AARP\/Hartford program does it for 12 months. This provides stability for policyholders living on a fixed income.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"Insurance Quotes from AARP\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/AARP_desktop_a3aewb\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/AARP_desktop_a3aewb\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/AARP_desktop_a3aewb 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/AARP_desktop_a3aewb 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--678\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C20049\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_aarp-auto-insurance-review\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"vp\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv 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type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Prior Insurance Status\" class=\"InputDropdown--select\" name=\"Prior Insurance Status\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"Find Insurers\" class=\"Button--root Button--primary \" type=\"submit\" value=\"Find Insurers\"\u003EFind Insurers\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"Find Insurers\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--678\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"isZipGeolocated\":false,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"\",\"tier\":\"default\",\"title\":\"Find Cheap Auto Insurance Quotes in Your Area\",\"trackingKey\":\"_aarp-auto-insurance-review\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ENevertheless, 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 U.S., and click through to get a quote.\u003C\/p\u003E\n\n\u003Cp\u003ETo determine how car insurance rates at AARP compared with competitors, we collected quotes for three driver profiles with an annual policy in California. Our sample driver had a 2015 Honda Civic EX.\u003C\/p\u003E\n\n\u003Ch3 id=\"shop\"\u003EAARP auto insurance discounts\u003C\/h3\u003E\n\n\u003Cp\u003EAARP car insurance discounts are, for the most part, typical compared to the policies offered by major insurers in the U.S. One unique feature is that AARP offers 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.\u003C\/p\u003E\n\n\u003Cp\u003EWhile AARP's discounts aren't remarkably unique overall, they will help you save on AARP's premiums, which tend to be more costly than average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EDiscount type\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EMax discount amount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAirbag installation\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E10%\u201320%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAnti-theft devices\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5%\u201315%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAnti-lock braking system\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHybrid vehicle\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMulti-vehicle policy\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E20%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMulti-policy credit\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7%\u201316%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENew vehicle\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPersistency credit\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2%\u20138%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Discount type\",\"Max discount amount\"],[\"Airbag installation\",\"10%\\u201320%\"],[\"Anti-theft devices\",\"5%\\u201315%\"],[\"Anti-lock braking system\",\"5%\"],[\"Hybrid vehicle\",\"N\\\/A\"],[\"Multi-vehicle policy\",\"20%\"],[\"Multi-policy credit\",\"7%\\u201316%\"],[\"New vehicle\",\"N\\\/A\"],[\"Persistency credit\",\"2%\\u20138%\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe specific discounts offered by AARP can vary depending on your driver profile, vehicle and location. \n","padding":"double"}

The Hartford (AARP) auto insurance customer service and ratings

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

Indeed, in J.D. Power's 2019 U.S. Auto Claims Satisfaction Study, The Hartford (AARP) was sixth among more than 20 insurers analyzed. Insurers were rated by customers for their claims servicing, first notice of loss, estimation process, repairs, rental experience and settlement.

According to the National Association of Insurance Commissioners, AARP received a Complaint Index of 0.91 for personal auto insurance, indicating a relatively positive degree of customer satisfaction with the service experience. The Complaint Index suggests that AARP received fewer complaints than expected for an insurer of its size.

Customers should also not worry about whether AARP 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.

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About Hartford / AARP Auto Insurance

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 more than 38 million AARP members throughout the country.

The Hartford/AARP's customer service line is open from 7 a.m. – 11 p.m. EST on the weekdays, and 8 a.m. – 6 p.m. on the weekends.

Phone number: 888-808-5254

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 so long as you value solid coverage options over a low price. Insurance from AARP is managed by The Hartford.

Is AARP car insurance cheap?

AARP insurance is not especially cheap. We found that it is more expensive than Allstate, State Farm and Progressive for our 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.

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.