We give AARP insurance through The Hartford a rating of 7.8 out of 10.0 for its auto coverage options and discounts available for members aged 50 and up
AARP Insurance Review
Updated:
Dec 27, 2023
Written by:
Daniel Robinson
Daniel Robinson
Writer
Edited by:
Rashawn Mitchner
Rashawn Mitchner
Senior Editor
AARP® members are given exclusive access to auto insurance policies through the organization’s partner company, The Hartford. The AARP, or the American Association of Retired Persons, has offered auto insurance plans through The Hartford Group since 1984.
AARP insurance offers a variety of coverage options, add-ons and discounts that benefit those aged 50 and up. We at the MarketWatch Guides Team have rated the best car insurance providers and will walk you through AARP insurance offerings so you can decide what’s right for you.
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About AARP Insurance
The AARP was founded in 1958 by a retired public school teacher and principal in California. Today, it continues to serve as a nonprofit organization dedicated to advocating for people aged 50 and up.
AARP Insurance Reviews
We rate AARP Insurance through The Hartford a 7.8 out of 10.0 overall. Our score takes into account reputation, availability, coverage, cost and customer experience with AARP’s insurance offerings.
AARP Insurance Ratings
| Overall Rating | 7.8 |
|---|---|
| Reputation | 8.2 |
| Availability | 7 |
| Coverage | 8.6 |
| Cost | 6.6 |
| Customer Experience | 8.6 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is AARP Insurance Good?
Insurance from AARP through The Hartford offers a variety of insurance coverages, helpful discounts and even a telematics insurance program. However, this insurance is only available to AARP members and their families, and it doesn’t typically come at the cheapest rates when compared to other providers. We recommend shopping around and comparing car insurance quotes to make the right decision for you.
Pros and Cons of AARP Insurance
Source: The Hartford
AARP Insurance: Review and Ratings
Founded: 1984
Better Business Bureau (BBB) rating: A+
AM Best financial strength rating: A+
The AARP Auto Insurance Program through The Hartford markets its offerings to those who are 50 years old and up. AARP offers a range of insurance options for members, including auto, RV, renters, condo and home insurance.
In addition, there are other types of coverage available for purchase through The Hartford, such as employee benefits for businesses and commercial auto insurance, that are available to those without an AARP membership.
AARP Customer Reviews
Most customer reviews found online for AARP insurance come from The Hartford’s own website, but J.D. Power and the BBB offer additional information through satisfaction studies and customer reviews.
AARP Insurance Reviews: J.D. Power
The J.D. Power 2022 U.S. Auto Insurance Study℠ shows that The Hartford performed well in several regions. This study polled more than 36,000 customers on how satisfied they were with the customer service, claims, billing, price and policy offerings of various insurance companies.
The Hartford came in first place in both Florida and the Northwest region and in second place in the Southwest. However, the company scored below average in the Mid-Atlantic region of the market.
AARP Insurance Reviews: BBB
Customers on the BBB website give AARP insurance through The Hartford 1.1 out of 5.0 stars. There have been no positive reviews for The Hartford left on the BBB website, with many reviewers mentioning issues with communication and customer service.
Despite the lack of positive reviews for The Hartford through the BBB, there are only about 130 reviews posted. AARP auto insurance operates in most U.S. states, so this small number of reviews does not reflect the entirety of its customers. In addition, customer complaints are commonplace across the auto insurance industry, with dissatisfied customers being far more likely to log a complaint than a happy customer would be to record their positive experience.
AARP Insurance Claims Reviews
While reviews on AARP’s claims services are less than favorable through the BBB, the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠ ranks customer satisfaction with The Hartford’s claims process only slightly below average, with 869 out of 1,000 points.
AARP Insurance App
AARP auto insurance policyholders can make use of a mobile app called The Hartford Auto & Home. Through this app, you can call roadside assistance, make a claim, view ID cards, pay your insurance bill and more. The app has a 2.7 out of 5.0-star rating through the Google Play store and a 3.8 out of 5.0-star rating through the App Store.
AARP Insurance: Rates and Discounts
According to Quadrant Information Services, 50-year-old drivers with good driving records pay $1,878 per year or $157 per month on average for full-coverage auto insurance with The Hartford. This is somewhat more expensive than the national average of $1,658 per year or $138 per month for drivers of this age.
AARP Insurance: Rates by Age
While insurance through The Hartford is for AARP members only, the company’s auto insurance offerings are available to members’ families as well, such as children or spouses.
Age is one of the key factors used to determine car insurance rates. Young adult and teen drivers typically pay more on average due to their higher likelihood of an accident or traffic violation. The average rates for an AARP full-coverage auto insurance policy through The Hartford change depending on age:
| Age | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| 16 | $955 | $11,451 |
| 17 | $718 | $8,614 |
| 18 | $569 | $6,827 |
| 19 | $482 | $5,776 |
| 21 | $429 | $5,148 |
| 25 | $249 | $2,986 |
| 30 | $209 | $2,504 |
| 35 | $191 | $2,281 |
| 40 | $179 | $2,141 |
| 45 | $166 | $1,986 |
| 50 | $157 | $1,878 |
| 55 | $154 | $1,837 |
| 65 | $173 | $2,076 |
| 75 | $220 | $2,630 |
AARP Insurance Discounts
Various car insurance discounts are offered by AARP through The Hartford, and you’ll receive a discount of up to 10% just for being an AARP member. Other available discounts include:
- Bundle discount: You’ll save money when you bundle different insurance products, like your car and home insurance coverage, through The Hartford. You can save up to 5% on your auto insurance and up to 20% on your home, renters or condo insurance.
- Paid-in-full discount: If you pay your car insurance bill in full instead of in monthly installments, you’re eligible for extra discounts.
- Online quote discount: You’ll receive a discount for getting your quote online.
- Safe driving discount: Enrollment in The Hartford’s TrueLane® telematics program can save policyholders up to 12% for participation and up to 25% on insurance renewal based on driving habits.
- Safety features discount: If your vehicle has safety features, such as anti-lock brakes, you’ll save on your car insurance.
- Vehicle fuel type discount: You’ll get extra discounts if you own a hybrid or electric car.
- Driver training discount: Young drivers on a member’s policy that finish an approved training course will secure additional discounts.
- Defensive driving discount: Completing a defensive driving course will provide policyholders with a discount for the next three years.
What Factors Affect Car Insurance Rates?
There are key factors that influence how much you pay for auto insurance. Car insurance premiums vary based on age, gender, location, credit history, driving record, marital status and your vehicle type.
AARP Insurance Coverage
The Hartford operates in most U.S. states and offers various auto insurance coverage options depending on your location. Its standard offerings include:
- Bodily injury liability insurance: Provides coverage for the other driver and their passengers in an accident you’re at fault for.
- Property damage liability insurance: Covers vehicle damage for the other driver in an accident you caused.
- Uninsured/underinsured motorist (UM/UIM) coverage: Covers you in the event of an accident with a driver that is uninsured or underinsured, and in some states covers hit-and-runs.
- Comprehensive insurance: Covers environmental damage to your vehicle from floods, fires and fallen trees, as well as theft and vandalism.
- Collision insurance: Covers vehicle damage in an accident, no matter who is at fault
- Medical payments (MedPay) coverage: Covers medical expenses for both you and your passengers in an accident.
- Personal injury protection (PIP) insurance: Required in no-fault states, PIP insurance covers medical expenses as well as lost wages and death benefits for you and your passengers.
Many state minimum insurance requirements only call for bodily injury and property damage liability insurance, but some also require UM/UIM coverage or PIP insurance. If you opt for a full-coverage plan for greater peace of mind, you’ll also have collision insurance and comprehensive insurance. It’s good to know what your state’s minimum requirements are when shopping for a personal auto insurance policy.
AARP Car Insurance Policy Options
The Hartford offers a variety of auto insurance add-ons to choose from. AARP insurance options include but are not limited to:
- New car replacement coverage: If you total your new car, you’ll get a replacement of the same make, model and equipment without subtractions for depreciation.
- RecoverCare coverage: Pays for services such as lawn maintenance, transportation services, food preparation and more in the event of an accident that leaves you injured.
- Disappearing deductible: Maintaining a clean driving record will see your collision deductible reduce over time and help lower your out-of-pocket costs in the case of an accident.
- Full glass coverage: Pays for headlight, mirror and window repairs with no deductible.
- Car towing coverage: Takes care of towing and labor charges in the event of a vehicle breakdown.
Other Insurance Offerings From AARP
AARP offers other types of insurance through various providers as part of their member benefits. You can purchase homeowners insurance through The Hartford, health insurance and health plans with Medicare and UnitedHealthcare, dental insurance through Delta Dental and custom long-term care plans from New York Life.
AARP Insurance Quote
AARP makes it easy to get a quote through The Hartford. You can contact the agency via phone, go online for a quote or make an appointment with a local agent. Before getting a quote, you’ll need to have some information and specific documents on hand, such as your driver’s license number, vehicle registration, auto insurance documentation for your current policy and vehicle identification number.
AARP Insurance: The Bottom Line
If you’re a member of the AARP, over 50 years of age and looking for affordable auto coverage, you may find what you’re looking for through The Hartford. However, we recommend comparing car insurance rates from other providers to find a price and coverage that best suits your needs.
AARP Insurance Alternatives
We recommend checking out Geico and State Farm in your search for auto insurance.
State Farm: Editor’s Choice
Our review team named State Farm our Editor’s Choice in 2023 due to its combination of affordable rates, quality coverage options and positive customer service reputation. The provider has a nationwide network of over 19,000 insurance agents who can offer personalized service to help you find the best coverage for your vehicle and situation.
Read more: State Farm insurance review
Geico: Affordable for Most Drivers
Recognized by the National Association of Insurance Commissioners (NAIC) as the second-largest insurance provider in the country, Geico accounted for 14.3% of all premiums sold in 2021. Our team has determined Geico to be the most affordable option for many drivers, as it consistently offers low rates and excellent customer service to its policyholders.
Read more: Geico insurance review
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AARP Insurance: FAQ
Below are frequently asked questions about AARP insurance through The Hartford.
AARP offers auto insurance and homeowners insurance exclusively to its members through The Hartford. AARP also offers health insurance and health plans through Medicare and UnitedHealthcare, as well as dental insurance through Delta Dental.
If you’re an AARP member, you’ll benefit from various discounts on auto insurance through The Hartford that can provide you with a cheaper premium. Some discounts include defensive driving discounts, safe driving discounts, discounts for bundling your home and auto insurance and a discount for paying your premium in full.
AARP provides its auto insurance offerings to members aged 50 and up through The Hartford, so it’s a great option for seniors looking for discounted rates on their car insurance coverage.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have questions about this page, please reach out to our editors at editors@marketwatchguides.com.
