AARP Auto Insurance Review: Cheap Rates and Good Coverage
ValuePenguin gives AARP's car insurance from The Hartford 4 out of 5 stars. The policies are usually cheap and have good coverage and perks.
Find Cheap Car Insurance Quotes in Your Area
Get AARP car insurance if:
- You're an AARP member
- You want cheap rates
- You want extra perks and coverages
Skip AARP car insurance if:
- An AARP membership isn't worth it to you
- You want consistently good customer service
Overall ValuePenguin rating: 4/5
Rating breakdown | |
|---|---|
| Price | 5/5
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| Coverage | 5/5
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| Customer service | 1.7/5
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| Unique value | 5/5
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ValuePenguin's experts review and rate insurance companies by analyzing cost, coverage options, customer service and unique features. Our team includes licensed insurance agents and together, we have more than 50 years of combined insurance experience. All ValuePenguin reviews are independent and unbiased.
Read the full breakdown of how ValuePenguin reviews insurance companies.
Pros and cons of AARP auto insurance from The Hartford
Pros
- Cheap rates
- Good coverage options
- Access to AARP's extra perks
Cons
- Customer service is inconsistent
- AARP membership required
AARP auto insurance quotes
AARP's car insurance is usually cheaper than average for seniors, but it may not be the cheapest option available.
- Full coverage from AARP/The Hartford costs an average of $217 per month. That's 18% cheaper than average.
- Minimum coverage from AARP/The Hartford costs $103 per month, on average, which is 10% less than average.
- However, both Progressive and American Family have cheaper average rates than AARP/The Hartford.
- If you're shopping for insurance, you should compare quotes from multiple companies even if you're an AARP member.
Find Cheap Car Insurance Quotes in Your Area
AARP car insurance rates vs. competitors
Company | Min cov. | Full cov. | |
|---|---|---|---|
| Progressive | $89 | $151 | |
| American Family | $91 | $191 | |
| AARP/The Hartford | $103 | $217 | |
| Geico | $110 | $248 | |
| Allstate | $138 | $410 | |
| Farmers | $203 | $451 | |
| USAA | $69 | $178 | |
Rates are for a 65-year-old man living in Arizona. USAA is only available to military members, veterans and their families.
AARP is a cheap option for seniors with tickets, accidents or DUIs on their records, as well as seniors with poor credit.
Rates after a ticket
$275/mo
$367/mo
Rates after an accident
$317/mo
$412/mo
Rates after a DUI
$316/mo
$430/mo
Rates for poor credit
$404/mo
$429/mo
AARP car insurance coverage options
AARP's car insurance program with The Hartford has excellent extra coverage options and perks.
These optional add-ons can help you build a policy that fits your specific needs, plus give you coverage for unique situations.
Featured benefit: Lifetime car repair assurance
If you use one of The Hartford's 1,600 authorized car repair shops, the company guarantees the repairs for as long as you own your vehicle. If you ever have an issue with the repaired part of your car, The Hartford should help make it right.
- RecoverCare: This option helps you pay for home services, such as house cleaning, meal prep and transportation, that you can't do yourself after you're hurt in an accident. This is one of AARP/The Hartford's most unique coverages.
- New car replacement: If your new car is declared a "total loss" after an accident, The Hartford will pay to replace it with a similar new car.
- Disappearing deductible: With this option, your collision deductible goes down over time if you don't have an accident. That means you'll pay less if you do have to file a claim.
- Rental car: This common add-on helps pay for a rental car if you can't drive your own car after an accident.
- Accident forgiveness: If you add this option, your first at-fault accident won't raise your rates, as long as all the drivers on your policy have clean driving records for the past five years.
On top of that, you also get access to all of the AARP member perks, such as discounts on travel, entertainment and restaurants, as well as health and wellness tools.
AARP/The Hartford also has all the typical coverages you'd expect from a car insurance company.
AARP auto insurance discounts
AARP has pretty average discounts compared to other car insurance companies.
However, you do save up to 10% on car insurance from The Hartford for being an AARP member.
- Bundling: Buying your auto and home, condo or renters insurance both from The Hartford could save you an average of $963 per year, according to the company.
- Pay on time: Paying your bill on time can save you up to 10%.
- Online quote: If you start your auto insurance quote online, you could get an 8% discount.
- Defensive driving: If you take an approved driving course, such as the AARP Driver Safety Course, you could get a 5% discount on your car insurance.
The Hartford may offer more discounts depending on where you live.
AARP auto insurance reviews and ratings
AARP car insurance comes from The Hartford, which has mixed customer service reviews.
The company gets 29% more complaints than expected, according to the National Association of Insurance Commissioners. Most of those complaints have to do with low payouts after claims, delays in processing claims or policy cancellations.
However, J.D. Power's annual claims satisfaction survey ranks The Hartford above average. That means the customers that J.D. Power interviewed about The Hartford's claims process were generally happy with the service they got.
But in another J.D. Power survey, The Hartford was generally ranked below average for overall customer satisfaction.
Before you get a policy from The Hartford through AARP's car insurance program, try to talk to current members. Knowing what customers in your area experience might help you decide if the company is a good fit for you.
Frequently asked questions
Does AARP have car insurance?
Yes, AARP offers car insurance through a partnership with The Hartford. AARP members can get up to a 10% discount on car insurance from The Hartford.
Is AARP car insurance good?
AARP car insurance from The Hartford is cheap and comes with good coverage options and AARP's useful perks. However, The Hartford's customer service reviews are mixed, with some people complaining of issues with claims.
How much is AARP car insurance?
On average, full coverage car insurance from AARP/The Hartford costs $217 per month, while minimum coverage costs $103 per month. Car insurance from AARP is usually a cheap option.
Methodology
To find the average cost of car insurance from AARP/The Hartford and other companies, ValuePenguin got quotes for a 65-year-old man in Arizona with a clean driving record and good credit score who owns a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than required, along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductibles: $500
All rate data is from Quadrant Information Services, which gets its data from public insurance company filings. Quotes are for comparison only. Your rates will be different.
ValuePenguin rates insurance companies after a thorough review of average costs, coverage options, customer service and unique features. Customer service info comes from the National Association of Insurance Commissioners (NAIC) and J.D. Power's annual surveys.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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.
