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AARP car insurance rates and discounts

Along with a host of other benefits, AARP members are eligible for the organization's auto insurance coverage, issued through The Hartford. This partnership also allows for a number of discounts and other perks that could be beneficial to drivers over the age of 50. Let’s explore some of the policy options and coverage features offered by AARP, as well as the organization's customer service reputation and J.D. Power ratings.

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AARP car insurance key takeaways:
  • AARP auto insurance is $1,332 per yer — or about $111 per month on average
  • Coverage is open to members of AARP and is issued through The Hartford
  • AARP offers a number of auto insurance discounts to members
  • Members must be at least 50 to be eligible
  • AARP offers members up to 20% discounts for bundling home and auto coverage through The Hartford

How much does AARP car insurance cost?

The average cost of AARP auto insurance is $1,332 per 12-month policy — or approximately $111 per month (methodology). AARP members receive discounted car insurance through The Hartford, a company providing auto insurance for drivers older than 50. We used five random representative ZIP codes across the U.S. to determine the average cost of an AARP car insurance policy.

ZIP Code

Monthly insurance rate

National average


Austin, TX - 78702


Columbus, OH - 43235


Glenwood, IL - 60425


Woodstown, NJ - 08098


McIntosh, NM - 56556


How to save money with an AARP home and auto insurance bundle

AARP members can also earn discounts of up to 20% by bundling their homeowners insurance and auto insurance policies with AARP, via The Hartford.

If you're looking to save on your next auto insurance policy, consider an AARP insurance bundle.

House and car insurance bundle
Policy12-Month Premium
Car insurance-only$1,681
Auto and homeowners insurance$1,335

Compare rates today and save.

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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.

wallet with money sticking out

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.


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 vanishing deductible coverage.

AARP Telematics

AARP Telematics


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.

Learn more about the most popular roadside assistance options.

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.

Outlined tow truck

AARP auto insurance reviews

The Hartford's customer service earns generally good reviews, with strong ratings from J.D. Power. However, The Hartford, like many insurance companies, has some negative reviews. Generally, AARP members may consider the additional benefits they receive reason enough to choose AARP for their next insurance policy.

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 and help you find the right policy for you.

Read The Zebra's review of The Hartford.

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.

The Hartford Auto Insurance ratings

Claims satisfaction (J.D. Power) — Excellent: The Hartford was among the top-rated companies in J.D. Power's evaluation of claims satisfaction. 

Customer satisfaction (J.D. Power) — Above average: J.D. Power rated The Hartford better-than-average in terms of overall customer satisfaction.

Financial strength — Excellent: A financial strength rating of “Excellent” — assigned by AM Best — means The Hartford’s ability to pay out claims is strong.

NAIC Rating — About average: The NAIC received about an average number of complaints regarding The Hartford in its most recent accounting.

Compare rates today and save.

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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.

Driver profile:

  • DOB: 08/20/1953
  • Gender: Male
  • Marital status: Married (spouse not listed on the policy)
  • Vehicle: Owned 2015 Honda Accord EX, sedan
  • Employed
  • Current limits: 50/100/500
  • Insurance history: with prior company for 10+ years
  • Homeowner status: homeowner

We used this profile in five random U.S. ZIP codes:

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

Recent Questions:

I live with mom and we have an umbrella policy and a car insurance policy. I want to switch companies but mom says I can't.

When it comes to having an umbrella policy, anyone is able to purchase one. However, there are certain qualifications you are going to need in order to purchase one.
Jul 13, 2021 Danville, CA

Can I insure a car in one state but live another?

Because car insurance is regulated at the state level, you have to have insurance specific for the state you are residing in the majority of the time. You can buy a vehicle in another state but it will need to be registered and insured for your state.
Aug 26, 2018 Olympia, WA

If I am selling my car at auction, do I need to sign the title?

Yes, you would need to sign the title so it can be transferred to the new buyer. You may also be required to provide a smog certificate and odometer reading, depending on the age of your vehicle.
Aug 23, 2017 San Diego, CA

Who do I get auto insurance from before a storm?

Unfortunately once a huge storm, like a hurricane, is imminent, most (if not all) insurers offering coverage in the storm's path will stop writing new policies to decrease their risk exposure. My recommendation would be to check with every possible company offering insurance in Florida to see if any will issue a policy.
Sep 16, 2017 Delray Beach, FL

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.