AARP Auto Insurance (2026)
- AARP offers auto insurance through The Hartford
- Policies cost an average of $2,047 for a 6-month policy.
- AARP members are eligible for discounted rates alongside other benefits.
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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 JD Power ratings.
AARP car insurance at a glance:
- AARP auto insurance is $2,047 per 6-month policy, before member discount.[1]
- Exclusive to AARP members aged 50 and older, with policies issued directly through The Hartford.
- Members access up to 10% off policy premiums alongside several other auto insurance discount opportunities.
How much does AARP car insurance cost?
The average cost of auto insurance through The Hartford is $2,047 per 6-month policy. AARP members receive discounted car insurance through The Hartford, a company providing auto insurance for drivers older than 50.
Updating data...
| Company | Liability Only | Full Coverage |
|---|---|---|
| The Hartford | $660 | $2,047 |
Source: The Zebra
Rates reflect a 6-month policy before AARP member discount application.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
AARP home and auto insurance bundling
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.
Updating data...
| No discount | With bundling discount |
|---|---|
| $1,011 | $727 |
Source: The Zebra
Compare rates today and save.
AARP membership benefits: Coverages and discounts
As a member of AARP, you have access to various perks and benefits— including some with your car insurance policy. AARP car insurance coverage includes all the standards, plus optional, add-on coverages you may select for an additional cost.
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.
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.
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.
With this coverage, your first accident won’t increase your premium. This is sometimes referred to as Accident Forgiveness by other insurers.
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.
Best Cheap Auto Insurance for Seniors | The Zebra
Seniors pay $240/month for car insurance on average. Compare the best and cheapest insurers for drivers over 60, including AARP, USAA, and GEICO.
AARP car insurance discounts
AARP members can also qualify for a wide array of discount options to help lower car insurance premiums. In addition to the 10% AARP membership discount and the bundling discount savings, policyholders can explore the following discount options:
Driver-based discounts
- Defensive driver course discount (5%)
- 5 years-accident-free (10%)
Vehicle discounts
- Car safety features: anti-lock brakes or anti-theft device
- Green vehicle: Hybrids and EVs may earn a discount
Payment discounts
- Start your quote online (8%)
- Pay on time (10%)
- Pay in full (varies)
AARP telematics: TrueLane
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.
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.
The Hartford roadside assistance
AARP members with eligible coverage through The Hartford can access services such as towing, locksmith assistance, flat-tire service and more. Its RESCUE 1-800 roadside assistance program provides 24/7 emergency roadside assistance nationwide.
AARP roadside partnership with Allstate
AARP members may save up to 20% on annual membership fees for Allstate Roadside plans. Plans include 24/7 services such as towing, jump-starts, tire changes, lockout assistance and fuel delivery.
Roadside Assistance Program Comparison
While your personal car insurance company might offer a roadside program, third-party vendors may provide better service and coverage options. Find the best one for you.
AARP auto insurance reviews
The Hartford is a popular choice for older drivers, thanks in large part to its long-standing partnership with AARP. While rates tend to be slightly above average, the company offers a wide range of discounts to help offset costs.
The claims process is generally smooth, though customers have reported sharp premium increases after collision claims. The Zebra gives The Hartford a good rating for these reasons.
Read The Zebra's review of The Hartford.
If you’re ready to see personalized quotes, enter your ZIP code below to get started.
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Frequently asked questions
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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AARP Car Insurance. The Hartford
AARP Car Insurance. The Hartford
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Savings on Allstate Roadside Assistance plans with AARP. aarp.org
Savings on Allstate Roadside Assistance plans with AARP. aarp.org
Related Questions
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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 editorial 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.
