AARP Insurance Review & Ratings (2021)

AARP insurance for senior drivers is available to those who are at least 50 years old and who are members of the AARP. AARP auto insurance for seniors is offered through The Hartford. Plenty of AARP car insurance discounts are available, as well as additional types of coverage options. AARP auto insurance quotes and rates can be found by speaking with the company’s customer service department.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • The AARP auto insurance program is only offered to AARP members through The Hartford Casualty Insurance Company
  • Coverage offered by AARP includes roadside assistance, towing services, jump-starts, and more
  • Customer service is available 24/7 for questions and to make claims

Car insurance is necessary for anyone who drives a vehicle, including seniors. AARP (American Association of Retired Persons) can help retirees (and people 50 and older) find the coverage they need from a trusted provider at a price that fits their often limited budget.

Want to buy AARP car insurance? AARP insurance for senior drivers is available in most states and is offered through The Hartford. The rates the company offers can depend on several different factors, though there are several discounts available as well.

Read on for more information on AARP’s auto insurance policies through Hartford and the power of membership. When you’re ready to start shopping, use your ZIP code to compare rates from insurers that provide coverage in your area.

What is AARP car insurance? 

AARP offers several programs and benefits to members to make retirement easier and more affordable. Their auto policies are all provided through a company known as Hartford.

Offered since 1984, the AARP auto insurance for seniors program is specially designed for AARP members and provides access to discounts for eligible applicants that you may not have known were even available. Note: Keep in mind that annual membership fees apply.

And because you need coverage you can depend on, AARP has teamed up with The Hartford Insurance Company, guaranteeing that your insurance is backed by a leader and trusted provider in the insurance field.

Purchasing the trusted provider’s insurance provides members with complete auto coverage and benefits that are not available through other insurance providers.

In addition to the many discounts available, the program offers several company-specific benefits such as automatic policy renewal.

Read this guide so you can make an informed decision on whether the policies are right for you.

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How much does AARP car insurance for seniors cost?

AARP has been a trusted provider of cheap car insurance for a long time. The exclusive savings help reduce the stress of paying for your policy. If you’re a responsible driver with a clean driving record, you won’t have to break the bank for your policy (through the provider, Hartford). AARP membership grants special discounts to customers and can help low-income Hartford policyholders through their assistance plans.

While you won’t be able to get AARP auto insurance quotes online through the company website, you could easily find AARP car insurance rates by contacting your local insurance agent. Meeting or speaking to a trusted provider is absolutely worth the extra time it takes in comparison to going on your desktop or tablet. You can contact AARP and/or Hartford by phone or by visiting a local office. Getting quotes for auto insurance rates through an agent tends to be more accurate anyway. Why? Like most insurance companies, the insurance provider’s rates can be based on your age, marital status, driving record, and more. Agents will also be able to help you see what insurance premium discounts you’re eligible for.

Many other determining factors can impact your auto insurance premiums, but it all can depend on where you live. In some areas, rates can be as low as around $100 per month. Make sure that you have your membership card handy in case they need any information from you during the insurance quoting process.

If you have contacted an agent about AARP automobile insurance rates and found that they fall out of your price range, don’t be discouraged. As mentioned above (and discussed in detail later), AARP also offers plenty of discounts that can help lower your rates exponentially. That is the power of membership.

What auto insurance coverages are available from AARP?

As is the case with most auto insurance companies, AARP offers some form of liability coverage with a basic policy. In most areas, this includes bodily injury liability and property damage liability.

In the event that you cause an accident, AARP’s liability coverage will cover damages made to the victim’s vehicle, but not those made to your own vehicle. This type of coverage will also cover costs resulting from injuries (though again, only for the other driver and passengers).

In addition to basic liability coverage, there are a number of benefits offered by AARP, including:

  • Driver safety program – This is available in 35 states. To be eligible, you must complete a driving safety course. If you’ve previously taken a driver training class or have completed any defensive driving courses, you can get a discount on your policy. If you’ve never taken one before, the AARP driver safety course is the nation’s leading safe driving class. The official name for the AARP driver safety course is called Smart Driver.
  • Lifetime renewability – This is available to AARP members in limited states. As you know, maintaining continuous auto insurance coverage is not only required by law in most places but also helps keep your rates low.
  • 12-month rate protection – Policy prices are typically reviewed and re-rated every six months; with AARP it is less frequent. With this Auto Insurance Rate Protection, you don’t have to worry about your prices going up unexpectedly.
  • New car replacement – This package option covers the replacement of a new vehicle if you’ve totaled it within the first 15 months or 15,000 miles of purchasing it. Replacement costs can be high, especially for those on a fixed income. This amazing benefit isn’t one that you could find at most automobile insurance companies.
  • RecoverCare – This insures drivers up to $2,500, covering transportation, cooking, and cleaning after an auto accident if they were injured. It even covers lawn maintenance!

Several forms of medical coverage are also included with AARP’s basic plans, including medical payments coverage and personal injury protection (PIP). Medical payments for anyone in your car will likely be covered with AARP’s policy.

With PIP, it doesn’t matter whose fault the accident was. Expenses resulting from the accident should be covered.

Collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage of your car are included as well. Remember, if you want to get any additional car insurance coverage as you read about above, you should bring it up at the time of purchase. If you didn’t, that’s okay, too! You can add these special auto insurance coverages to your current auto insurance policy. You will just have to call and speak to an agent.

The basic liability coverage options offered at AARP can differ based on where you live, as minimum requirements are different from state-to-state. Check out this chart to see what the minimum insurance requirements are for your state.

Minimum Auto Insurance Requirements by State
StateInsurance RequiredMinimum Liability Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20
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What do common insurance acronyms and abbreviations mean?

It can be hard to find easy-to-understand auto insurance definitions so to make the information in this table easier to understand, we’ve summarized the acronyms and abbreviations. Take a look.

Acronyms and Abbreviations
AbbreviationMeaning
BIBodiliy Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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The National Association of Insurance Commissioners offers a list of insurance websites in each state so that you can easily find the auto insurance laws in your area.

A number of optional coverage types can be added to your auto insurance policy for an additional charge. Many people find some of these add-ons worth the extra fee according to customer reviews.

Other coverage options offered by AARP include car towing coverage, a disappearing deductible benefit, first accident forgiveness, full glass coverage, GAP insurance, one deductible insurance, personal umbrella insurance, and rental car expense insurance.

AARP also offers an emergency roadside service; they have a team of roadside assistance representatives that is available 24/7. With this service, you won’t have to worry about being stuck on the side of the road in the middle of the night, as AARP will get someone out to help. You can get fuel delivery (with your preferred fuel type!), lockout assistance, and access to some preventative maintenance services at exclusive discounts.

Want to make sure you’re protected? You can package coverage, coupling roadside assistance with towing services to cover all your bases. With both, you won’t have to worry about getting your car to repair shops either. The company will have you towed to the nearest repair shop in the event of an accident.

If you are satisfied with the types of coverage offered by AARP but have found that rates cost too much, there’s no reason to worry. AARP offers plenty of discounts that can help lower your rates exponentially. Keep reading for more.

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What AARP discounts are available?

Part of the power of membership is that you will have access to a range of AARP auto discounts. There are discounts available for living in a low-crime ZIP code, discounts for married persons, and safe driver discounts. As with most policies, you can save if you have an anti-theft device installed or practice defensive driving, on top of a slew of other commonly available discounts.

Additionally, AARP auto insurance offers discounts such as disappearing deductibles, RecoverCare, accident forgiveness, lifetime renewability, and 12-month rate protection.

If you are interested in AARP’s homeowners’ insurance policies as well, you could also bundle home and auto coverages for a discount.

How can I save money with an AARP home and car insurance bundle?

To get AARP quotes, you must be 50 years old or older and a licensed driver in your state of residence.

Affordable AARP policies will also allow you to add other additional drivers to your auto policy who are under age 50, including your spouse or dependents who still live at home.

In order to be eligible for forgiveness for accidents, disappearing deductibles, and other AARP auto insurance discounts, you must be free of accidents and major traffic violations for a minimum of one-to-five years, depending on the discount in question.

What car insurance discounts are offered by AARP?

Take a look at this table for more AARP auto insurance discounts.

Car Insurance Discounts Offered by AARP
Insurance DiscountsOffered by AARP
Adaptive Cruise ControlNo
Adaptive HeadlightsYes
Anti-lock BrakesYes
Anti-TheftYes
Daytime Running LightsYes
Electronic Stability ControlNo
Utility VehicleYes
Vehicle RecoveryYes
VIN EtchingNo
Lane Departure WarningNo
Newer VehicleYes
Green VehicleYes
Forward Collision WarningYes
Claim FreeYes
Continuous CoverageYes
Defensive DriverYes
Distant StudentYes
Driver's EdYes
Driving Device/AppYes
Early SigningYes
Emergency DeploymentNo
Engaged CoupleNo
Family LegacyNo
Family PlanYes
Farm VehicleYes
Fast 5No
Federal EmployeeNo
Full PaymentYes
Further EducationNo
Garaging/StoringYes
Good CreditNo
Good StudentYes
HomeownerYes
Life InsuranceNo
Low MileageYes
LoyaltyYes
MarriedYes
Membership/GroupYes
MilitaryNo
Military GaragingNo
Multiple DriversYes
Multiple PoliciesNo
Multiple VehiclesYes
New AddressNo
New Customer/New PlanNo
New GraduateNo
Newly LicensedNo
NewlywedsNo
Non-Smoker/Non-DrinkerNo
Occasional OperatorNo
OccupationYes
On Time PaymentsYes
Online ShopperNo
Paperless DocumentsYes
Paperless/Auto BillingYes
Passive RestraintYes
Recent RetireesYes
RenterNo
Roadside AssistanceNo
Safe DriverYes
Seat Belt UseNo
Senior DriverYes
Stable ResidenceYes
Students & AlumniNo
Switching ProviderNo
VolunteerNo
Young DriverNo
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To find out what discounts and other options are available in your area, contact the organization and ask about the AARP vehicle insurance program.

Does AARP have customer service? 

AARP offers 24/7 customer service for members, which allows you to inquire about policies, pay your bill, make auto insurance claims, and more.

It’s worth noting that there are several different customer service phone numbers, depending on what your needs are. All of AARP’s customer service numbers can be found on the company website.

If you have an AARP Member ID card, you should be able to find all the contact information you need on the back.

AARP can also be reached through snail mail or social media. Social media accounts for AARP include Twitter, Facebook, YouTube, and Instagram. The company also offers a “customer complaint form,” which can be filled out via their website.

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How do you apply for AARP car insurance coverage?

As you might expect, to qualify for any insurance coverage offered by AARP, the first step is to become a member, which you can do through the AARP website.

Once you’re an AARP member, you can apply for coverage through The Hartford (you’ll need your AARP membership number to prove your qualification for the AARP car insurance program).

How do you make a car insurance claim with AARP? 

Claims can be filed online, over the phone, or in-person with an agent.

How do you get an AARP car insurance quote? 

You can request a quote from The Hartford either through the company’s website or by calling 1-800-684-5518. When you request a quote, be sure you have your AARP membership number ready, as you’ll need to provide it in order to receive AARP car insurance quotes.

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What do AARP car insurance reviews say? 

AARP boasts many great reviews on its website, with several saying the company’s customer service is very helpful. Across the internet, AARP has received mostly positive reviews; however, there are plenty of complaints about the company as well.

AARP has an A+ rating with the Better Business Bureau but currently has a 1.35/5 stars review from customers. The J.D. Power rating for AARP/The Hartford is currently 4 out of 5.

AARP Insurance: What’s the Bottom Line?

What are the pros and cons of AARP car insurance? There are many pros to going with AARP for your auto insurance policy, including the many additional benefits, 24/7 customer service, and a large number of discounts.

However, AARP does have a large number of complaints. Also, the AARP auto insurance program for seniors is only available to those who are already members.

The best way to determine if the AARP auto insurance program is right for you and your family is to determine your own needs and wants. Compare these with the options AARP offers, then decide if the insurance premium rates are within your price range.

What are some frequently asked questions about AARP insurance?

Do you still have questions about AAPR insurance? Read these frequently asked questions for more information.

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#1 – What other insurance products does AARP offer? 

In addition to car insurance through The Hartford Company, there are a number of other insurance coverages you can purchase through AARP. These coverage options include life insurance, homeowners insurance, dental insurance, vision insurance, and small business insurance.

#2 – Are all the AARP insurance products offered through The Hartford Company? 

No. While auto insurance coverage, homeowners insurance, and small business insurance are all offered through Hartford, other insurance products are available through different insurers:

  • Life insurance – offered by New York Life Insurance Company 
  • Dental insurance – offered by Delta Dental Insurance Company 
  • Vision insurance – offered by EyeMed

You can rest assured that if a certain provider is associated with AARP, they are a trusted provider of high-quality coverages.

Now that you’ve read our review, are you ready to start shopping? If you are still having trouble finding the right auto insurance policy, use your ZIP code to start getting quotes for car insurance today. 

References:

  1. https://content.naic.org/state_web_map.htm

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