Pro Tip: To learn more about the best insurance options for seniors, read our guide to the best car insurance for seniors.
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January 27, 2023
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Since 1984, AARP auto insurance from The Hartford has been one of the most popular options for older Americans. Its policies feature robust coverage as well as additional services tailored to seniors’ needs, such as its RecoverCare program, which pays for food and transportation in the event of an injury in an accident.
The special protections offered by AARP/The Hartford are competitive in the current car insurance market. With services marketed directly to seniors, anyone in need of coverage should consider AARP’s policies as a priority in their search.
Pro Tip: To learn more about the best insurance options for seniors, read our guide to the best car insurance for seniors.
AARP auto insurance from The Hartford covers typical auto insurance services, including personal injury protection, personal liability, collision coverage, comprehensive coverage, and coverage for uninsured or underinsured motorists.
AARP also provides several additional benefits and discounts.
This coverage can replace your car with the same make and model in the event of an accident while avoiding the cost of depreciation.
Accident forgiveness is another useful add-on, which prevents your premium from increasing after your first accident, provided you have a clean driving record and properly report the accident to the insurers.
AARP can also reduce your collision deductible if you maintain your driving record. Some customers have reached a $0 deductible using AARP’s disappearing deductible policy.
AARP auto insurance from The Hartford provides RecoverCare, which is an accident assistance service tailored specifically to senior policyholders. This coverage allows you to potentially be compensated for accident-related financial losses other than damage to your car and body.
These include house cleaning, lawn maintenance, transportation, food preparation services, and dog walkers. Basically, you can file for coverage for services that you need to be done around your house while recovering from your injuries. AARP can even provide many of these services.
| Location | AARP premium estimate | Allstate premium estimate |
|---|---|---|
| California | $128 per month | $109 per month |
| Florida | $183.17 per month | $133.58 per month |
| New York | N/A | $320.84 per month |
| Texas | $75.50 per month | $114.56 per month |
AARP’s auto insurance rates are competitive, often comparing well to Allstate’s. However, they vary widely, with many factors influencing your monthly premium. These include your location, marital status, driving record, vehicle model, and credit score.
To learn your expected monthly premium for an AARP auto insurance policy, call your local AARP office or use its website to get a quote based on your information. We weren’t able to view quotes from every state using its internet search tools alone.
Since AARP auto insurance is available only to seniors, there is no explicit senior discount; however, this insurer offers several discounts for bundling home and auto policies, paying your premium in full, taking the AARP Smart Driver course, and being an active or former service member.
As an AARP member, you already earn exclusive benefits as well, including 10% off your auto insurance premium.
AARP auto insurance from The Hartford tailors premiums and discounts to seniors looking for competitive rates and numerous opportunities for discounts. It offers many unique services, such as the RecoverCare program, which pays for a lot of the extra care that may be needed while you’re recovering from an accident.
With personalized, senior-specific policies and discounts, AARP should be a top pick for auto insurance for those who are eligible.
To learn more about our favorite auto insurance for seniors, read our helpful guides:
AARP offers auto insurance through a partnership with The Hartford. You may buy a policy directly through AARP, or you may be redirected to a region-specific vendor like Direct Auto.
You must be a registered AARP member and at least 50 years old to purchase AARP auto insurance.
AARP auto insurance can be cheaper than other carriers, but the price you pay will vary widely between regions and drivers.
