AARP Auto Insurance

AARP membership can lead to senior driving discounts and unique insurance options through The Hartford.

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AARP car insurance rates and discounts

AARP members are eligible for the organization's auto insurance, issued through The Hartford. The average cost of AARP auto insurance is $1,332 per 12-month policy — or approximately $111 per month (methodology). Let’s explore some of the policy options and coverage features offered by AARP, as well as the organization's customer service and JD Power ratings.

  1. AARP car insurance rates
  2. Discounts and coverage options
  3. Towing and roadside assistance
  4. AARP insurance reviews


How much does AARP car insurance cost?

AARP members receive discounted car insurance through The Hartford, a company providing auto insurance for drivers older than 55. We used five random representative ZIP codes across the US to determine the average cost of an AARP car insurance policy.

Zip Code

12-Month Insurance Premium

Average Rate


Austin, TX - 78702


Columbus, OH - 43235


Glenwood, IL - 60425


Woodstown, NJ - 08098


McIntosh, NM - 56556


AARP members can also earn discounts of up to 20% by bundling their homeowner's and auto insurance policies with The Hartford. See below rates from a ZIP code in which bundling home and car insurance makes financial sense.

Bundle Status

12-Month Premium

Car Insurance-Only


With Homeowners Insurance


Insurance discounts and coverage options: AARP membership benefits

AARP’s program provides additional discounts and coverage options for AARP members. The following coverage options may depend on state regulations.


Driver safety program

This optional program is currently available in 35 states. To be eligible, you must complete a driving safety course. Depending on your state, you may be able to take this course online. AARP does not advertise how much this discount can earn you.


Lifetime renewability

As long as you’re an AARP member, your car insurance policy will renew — even if you’ve had traffic convictions or accidents. There are a few state-specific stipulations here, so speak with an agent at The Hartford if you’re interested in this policy option.


12-month rate protection

Most car insurance policies last just six months. This means prices are reviewed and re-rated every six months. While your rate may decrease at policy renewal, it's more likely your insurance company will raise rates at policy renewal. Between 2011 and 2018, car insurance premiums have increased by an average of 23%. While you might experience a rate increase with AARP and The Hartford, it could be less frequent.


New car replacement

This coverage refunds the replacement cost of a new vehicle if you’ve totaled it within the first 15 months — or 15,000 miles — of acquiring it. In the event of a total loss collision, The Hartford will replace your car with a replacement of the same make and model.



This is a unique coverage option provided by The Hartford and AARP. If you’re injured in an accident, you will be insured up to $2,500, covering transportation, cooking, cleaning, and other help you might require after an accident.


First accident forgiveness

With this coverage, your first accident won’t increase your premium. This is sometimes referred to as Accident Forgiveness by other insurers. You can learn more about this coverage here.


One deductible

If you insure two vehicles with AARP and The Hartford and they’re both involved in collisions, you only need to file one deductible with this coverage.


Disappearing deductible

Every year during which you do not have a collision, your deductible will decrease. This coverage is available through different insurers. Learn more about disappearing deductible coverage.



TrueLane is The Hartford’s telematics program. TrueLane uses your driving habits to price your car insurance premium. In addition to earning a 5% discount on your premium just by signing up, you can lower your premium by exhibiting safe driving habits. Things like harsh braking, rapid acceleration, and late-night driving can increase your costs.

Check out our overview of usage-based insurance programs.



Towing and roadside assistance with AARP

AARP runs two roadside assistance programs through two insurance companies. AARP's program through The Hartford is much less comprehensive than its solo roadside assistance package. If you’d like more information regarding AARP’s roadside assistance program, see here.


AARP emergency roadside assistance

This program provides 24/7 coverage in the event you're stranded on the side of the road. If you have comprehensive coverage, you can add this policy feature. If you’re stranded and need assistance, simply call 1-800-322-7789 and AARP will assist.


Towing insurance coverage

This coverage offers a tow to the nearest repair shop if your vehicle is inoperable. This coverage does not necessarily require a collision or accident to have occurred. Like the emergency roadside assistance package, you must have comprehensive coverage to utilize this policy feature.




AARP auto insurance reviews

The Hartford's customer service earns generally good reviews. The Hartford currently holds a JD Power Rating of 4 out of 5, and a customer satisfaction rating of 879 of 1,000. However, The Hartford, like many insurance companies, has some negative reviews. The best way to find the right car insurance provider for you is to do detailed research. Understand the coverage you need and how much you're able to pay. This will expedite your search for car insurance.

If you’d like to learn more about car insurance, see our related content. If you’re ready to see personalized quotes, enter your ZIP code below to get started.



Find a great policy today!

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Related content:



We created a generic user profile with an AARP membership in order to get rates from The Hartford. Outlined below is the user's personal characteristics:

  • DOB: 08/20/1953
  • Gender: Male
  • Marital status: Married (spouse unlisted on policy)
  • Vehicle: Owned 2015 Honda Accord EX, sedan
  • Employed
  • Current limits: 50/100/500
  • Insurance history: With previous company for 10+ years
  • Homeowner status: Owns home

We used this profile in five random US ZIP codes:

  • Austin, 78702
  • Columbus, OH 43235
  • Glenwood, IL 60425
  • Woodstown, NJ 08098
  • McIntosh, NM 56556
Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.