AARP Auto Insurance Review for 2025 (Coverage for Drivers Aged 50+)
Our AARP auto insurance review shows it offers coverage as low as $59 per month, with free policy add-ons for drivers 50 or older. You’ll need an AARP membership to purchase a policy, and when you buy auto insurance from AARP, The Hartford will manage your plan.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 11, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 11, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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AARP
Monthly Rates
$59A.M. Best:
A++Complaint Level:
HighPros
- Exclusive discounts for AARP members
- Benefits like accident forgiveness and locked-in rates
- 24/7 customer service and claims assistance
Cons
- Only available to those aged 50 and above
- Limited availability in certain states
- Not underwritten directly by AARP
- AARP is formerly known as the American Association of Retired Persons.
- Older Americans may have difficulty in obtaining or renewing auto insurance
- According to the conditions outlined with AARP, older drivers with AARP membership privileges may have access to auto insurance throughout a healthy lifespan
Our AARP auto insurance review explores how drivers aged 50 and older can find rates as low as $59 with the American Association of Retired Persons.
AARP Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.4 |
| Business Reviews | 5.0 |
| Claims Processing | 4.8 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.6 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 3.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.3 |
| Plan Personalization | 3.5 |
| Policy Options | 4.4 |
| Savings Potential | 4.6 |
To buy AARP insurance auto, home, or life policies, you’ll need an AARP membership, only available for drivers over 50.
AARP car insurance for seniors is written and managed by The Hartford. To learn more about The Hartford’s partnership with AARP, check out our auto insurance review of The Hartford.
- AARP vehicle insurance rates start at $59 per month
- The Hartford manages auto insurance policies for AARP members
- Drivers need an AARP membership before they can purchase coverage
Explore our AARP auto insurance review to see how much you might pay and what AARP membership perks you qualify for. Then, enter your ZIP code into our free comparison tool to see quotes in your area.
AARP Auto Insurance Rates
When you get AARP or The Hartford insurance quotes, your monthly premium will be based on several factors. One major factor affecting auto insurance rates is the likelihood of accidents or AARP auto claims.
Other factors that affect AARP rates for senior drivers include your age, how much you drive, what type of vehicle you own, and where you live.Daniel Walker Licensed Insurance Agent
While you’ll need to compare quotes to see exactly how much you’ll pay for insurance for an AARP policy written by The Hartford, you can check out the average cost of auto insurance below.
AARP Auto Insurance Monthly Rates by Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 55-Year-Old Female | $80 | $155 |
| 55-Year-Old Male | $85 | $165 |
| 60-Year-Old Female | $75 | $150 |
| 60-Year-Old Male | $80 | $160 |
| 65-Year-Old Female | $70 | $145 |
| 65-Year-Old Male | $75 | $155 |
| 70-Year-Old Female | $65 | $140 |
| 70-Year-Old Male | $70 | $150 |
While your age and gender are essential in your monthly premiums, your driving record is also crucial to your rates. See the average cost of The Hartford auto insurance for AARP members below, based on your driving record.
Getting AARP auto insurance quotes online will often find you better rates, especially compared to other insurers in your area. Further, when you compare auto insurance quotes, AARP may also offer different discounts based on where you live. Luckily, it’s easy to get an online quote from the AARP – simply visit the website and complete AARP’s quote request form.
While AARP insurance for cars is usually affordable, it may not be your cheapest option. If you want a quick and easy way to compare AARP and The Hartford car insurance quotes with other companies, enter your ZIP code into our free comparison tool.
AARP Membership Requirements
Although AARP offers some of the best auto insurance for seniors, not everyone can purchase a policy. Before you buy a policy from AARP, you’ll need to become a member.
AARP membership is available to those aged 50 and above. There are a couple of ways to get an AARP membership:
- Online: Visit the AARP Membership page and follow the sign-up prompts. You must provide your name, birth date, and billing information.
- By Phone: Call the AARP auto insurance phone number at 866-654-5572 to speak with a representative who can assist you with the membership process.
- By Mail: If you’ve received a membership invitation by mail, you can complete the form and send it back with your payment.
You’ll receive a digital membership card instantly upon joining, and a physical card will be mailed to you within a few weeks.
Auto insurance and the ability to drive safely are just a few of the many ways AARP fights for the rights of senior Americans. The association strives to help older Americans maintain important lifestyle privileges, such as the ability to purchase, drive, and insure a car.
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AARP Auto Insurance Rates vs. the Competition
AARP is an excellent option for older drivers — especially if you’re looking for cheap auto insurance for drivers over 80 — but it’s not the only provider with great senior coverage. Compare The Hartford’s rates for AARP members with other top providers for older drivers below.
Full Coverage Auto Insurance Monthly Rates by Provider
| Company | Female: Age 18 | Male: Age 18 | Female: Age 30 | Male: Age 30 | Female: Age 45 | Male: Age 45 | Female: Age 65 | Male: Age 65 |
|---|---|---|---|---|---|---|---|---|
| $550 | $625 | $200 | $220 | $210 | $205 | $200 | $195 |
 | $640 | $740 | $240 | $252 | $231 | $228 | $226 | $223 |
 | $435 | $591 | $165 | $195 | $164 | $166 | $161 | $163 |
 | $853 | $897 | $228 | $239 | $199 | $198 | $194 | $194 |
 | $313 | $362 | $128 | $124 | $114 | $114 | $112 | $112 |
 | $745 | $893 | $249 | $285 | $244 | $248 | $239 | $243 |
 | $432 | $552 | $177 | $194 | $161 | $164 | $158 | $160 |
 | $843 | $944 | $187 | $194 | $159 | $150 | $156 | $147 |
 | $327 | $405 | $133 | $147 | $123 | $123 | $120 | $120 |
 | $757 | $1,056 | $142 | $154 | $139 | $141 | $136 | $138 |
When you shop at AARP Insurance, car insurance rates may not be the cheapest. However, you’ll get access to various services and discounts when you buy coverage from AARP, which might make the price worth it to you.
AARP Auto Insurance Coverage Options
Through The Hartford, you can purchase various types of auto insurance from AARP, including everything you need for minimum and full coverage policies.
When you purchase an AARP policy, you’ll get access to the following types of basic coverage:
- Liability Insurance: Most states require a minimum amount of liability auto insurance, which ensures you can pay for damages and injuries you cause in an at-fault accident.
- Collision Insurance: Since liability does not cover your vehicle, you’ll need collision auto insurance to pay for any damages to your car after an accident.
- Comprehensive Insurance: Comprehensive auto insurance covers damages to your car caused by events other than collisions, including weather, animals, fire, and theft.
- Uninsured/Underinsured Motorist: Although most states require drivers to carry coverage, some drivers don’t have insurance. Uninsured/underinsured motorist insurance protects you against those drivers.
- Personal Injury Protection/Medical Payments: These types of insurance pay medical bills for you and your passengers after an accident.
While some AARP coverage options change availability by state, you can purchase any of the above insurance choices. Many drivers are satisfied with these basic types of coverage to help keep costs down.
An AARP representative will know precisely how much coverage you need in your state. They can also suggest additional options to suit your needs.Jeff Root Licensed Insurance Agent
AARP sets itself apart from many competitors by including coverage you would usually have to buy in its policies for no extra charge. These include
- RecoverCare: RecoverCare covers costs for things you can’t do after a car accident injury, such as housekeeping or pet care.
- Lifetime Car Repair Assurance: AARP guarantees the repairs for life if your car is fixed at an approved repair shop.
- Accident Forgiveness: Accident forgiveness means your premium won’t increase after your first accident. To qualify, you must be accident-free for at least 5 years.
- Zero-Dollar Glass Deductible: If you have comprehensive car insurance with AARP, you may qualify for windshield repairs without having to pay a deductible.
Finally, there are several add-ons you can purchase to increase the protection your policy offers. AARP doesn’t have the longest list of add-ons, but it does offer a few worthwhile options — key replacement coverage, a vanishing deductible for accident-free drivers, and gap insurance.
Keep in mind that add-ons and free additions depend on availability. Some add-ons, like accident forgiveness in California, may not be available. You can check with a representative if you want to see what you can add to your car insurance from AARP.
AARP Auto Insurance Discounts
When you read AARP and The Hartford auto insurance reviews, you’ll probably notice that customers are happy with the many discounts AARP offers. Some of the discounts AARP members may qualify for from The Hartford include the following ways to save.
AARP Auto Insurance Discounts
| Discount Name | |
|---|---|
| TrueLane® | 40% |
| Low Mileage | 15% |
| Bundling | 10% |
| Safety Features | 10% |
| Good Payer | 10% |
| Safe Driver | 10% |
| Anti-Theft | 5% |
| Defensive Driver | 5% |
| Paperless | 3% |
Using these discounts, drivers may be able to reduce their premiums significantly. Most discounts apply directly to your account, but you may need to submit proof before you start saving. If you have more questions, check our list of The Hartford auto insurance discounts.
AARP also offers its members a variety of discounts. You may see savings on shopping, travel, dining, car rentals, and tax preparation services.
AARP Usage-Based Insurance
TrueLane by The Hartford is a usage-based car insurance program that rewards safe driving habits with premium discounts.
Exclusively available to AARP members through The Hartford, this program tracks your driving behavior via a smartphone app, offering personalized feedback and potential savings. It assesses factors such as:
- Speeding
- Hard braking
- Rapid acceleration
- Phone usage
- Time of day
By analyzing these behaviors, TrueLane provides feedback to help you become a safer driver and potentially lower your insurance premiums.
When you sign up for TrueLane, you’ll get an initial discount of up to 12%. Then, at your next renewal period, you can see up to 40% savings, depending on your driving behaviors.
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AARP Auto Insurance Customer and Business Reviews
When it comes to customer reviews, AARP is generally considered a trustworthy insurance provider. Many drivers recognize AARP, Inc. as a provider of excellent services for people over 50, and that extends to its auto insurance.
However, not everyone is thrilled with their AARP auto insurance. Consider the experience of this Reddit user, who saw their monthly AARP premiums skyrocket when it was time to renew.
Check your car insurance if you got it through AARP
byu/I8NY inFrugal
This Reddit user felt like The Hartford gave them the runaround regarding the price of their insurance, so they learned how to switch auto insurance companies and found a cheaper quote.
Despite having some unhappy customers, AARP is usually considered a safe bet for good car insurance. AARP car insurance for senior citizens is so popular that many drivers think it is the best company for older drivers.
One of the easiest ways to see if a company is right for you is to look at its business ratings. Generally speaking, a company with strong third-party ratings is more likely to be a good fit for your needs than a provider that struggles. Check below to see how AARP scores.
AARP Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 877 / 1,000 Above Avg. Satisfaction |
 | Score: A- Good Business Practices |
 | Score: 68/100 Avg. Customer Feedback |
 | Score: 1.93 More Complaints Than Avg. |
 | Score: A++ Superior Financial Strength |
Most of AARP’s scores are high, especially its financial stability rating from A.M. Best. However, the NAIC reports that AARP receives nearly twice as many complaints as other companies of similar size. AARP is usually a safe option for car insurance, but learning how to evaluate auto insurance quotes can help you find the best provider for you.
AARP Auto Insurance Pros and Cons
Like all insurance companies, AARP has its strengths and weaknesses. However, since AARP and The Hartford auto insurance are linked, you should look at both companies before you make a decision.
However, you can get a quick idea of whether AARP will work for you by looking at its pros and cons. Some of the benefits of getting AARP insurance include:
- Exclusive Discounts: AARP members get discounts on more than just car insurance. They can also save on restaurants, hotels, and new cars.
- Free Benefits: Unlike most car insurance companies, AARP includes a variety of insurance add-ons in its policies at no extra charge to the policyholder.
- 24/7 Claims Support: AARP representatives are ready to help you with a claim whenever you need it, even in the middle of the night.
While AARP is a strong option for senior drivers, it has drawbacks. Before you sign up for an AARP car insurance policy, make sure you’re comfortable with the following:
- Membership Required: You must be a member before purchasing an AARP policy. Membership is usually cheap, but it does increase your overall car insurance costs.
- High Customer Complaints: Despite a positive reputation, AARP receives more customer complaints than the national average.
Pros and cons can help you decide if a company is the right choice, but you should do more research before making a final decision. AARP may not make the list of the best auto insurance companies according to Reddit, but it’s still a solid choice for coverage.
See if AARP Auto Insurance is Right for You Today
AARP auto insurance, in partnership with The Hartford, provides a comprehensive suite of benefits tailored to the needs of drivers aged 50 and above. While you need a membership before purchasing a policy, many AARP customers agree it’s worth the extra price.
Are you an AARP member? If so, you might qualify for free 🆓 auto insurance 🚘benefits through The Hartford. https://t.co/27f1xf131D has the low down, and you can read all about it here👉: https://t.co/C9RDPEYQMq pic.twitter.com/EoOpQ6i6Xt
— AutoInsurance.org (@AutoInsurance) July 14, 2023
Although AARP auto insurance reviews are usually positive, you should compare quotes before purchasing insurance. Determining how to get multiple auto insurance quotes is integral to finding the proper coverage. Enter your ZIP code below to start comparing quotes today.
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Frequently Asked Questions
Does AARP offer car insurance?
AARP offers a variety of valuable savings for seniors, but does AARP have car insurance? Yes, car insurance with AARP is available through The Hartford.
Does AARP really save you money on car insurance?
Yes, AARP members automatically save 10% when they buy Hartford insurance through AARP. How much you’ll save with AARP depends on several factors, though. For example, AARP auto insurance in Florida will likely be more expensive than coverage in Arizona. To see who can help you save the most in your state, enter your ZIP code into our free comparison tool today.
Who is eligible for AARP membership?
AARP membership is available to individuals aged 50 and above.
What is the difference between AAA and AARP membership?
Both programs offer exclusive discounts and auto insurance for members, but AARP is only available to seniors over 50. AAA membership is open to anyone who pays the annual fee. Learn more in our AAA vs. AARP auto insurance review.
Does AARP offer auto insurance discounts?
Yes, but AARP auto insurance discounts apply to members only. AARP members save 10% on car insurance and can stack this discount with other savings. Make sure to compare AARP with other companies if you’re looking for the best auto insurance discounts to help you save.
What is the phone number for AARP auto insurance?
The AARP auto insurance phone number is actually the Hartford insurance phone number: 1-888-413-8970. Call to speak to customer service or get AARP home and auto insurance quotes.
What is the benefit of AARP auto insurance’s Lifetime Renewability feature?
AARP auto insurance offers Lifetime Renewability, which means that older drivers with AARP membership privileges may have access to auto insurance throughout their healthy lifespan.
Does AARP underwrite auto insurance policies for its members?
No, AARP does not underwrite auto insurance policies. The AARP Auto Insurance Program is offered through partner relationships with The Hartford Fire Insurance Company and its affiliates.
Is AARP auto insurance cheaper than Progressive?
Generally speaking, Progressive is usually a cheaper insurance company than AARP. However, the benefits of an AARP auto insurance policy often outweigh the slight savings you might get with Progressive. To learn more, check out our Progressive auto insurance review.
Does AARP sell homeowners insurance?
Yes, members can purchase AARP home insurance. AARP home and auto insurance are both written and managed by The Hartford. As one of the best companies for bundling home and auto insurance, The Hartford is an excellent choice to purchase both policies from.
Is AARP good insurance for seniors?
AARP car insurance for seniors from The Hartford is very competitive, with rates as low as $113/mo and exclusive discounts for AARP members.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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