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AARP/Hartford Auto Insurance

AARP/Hartford Auto Insurance
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Overall Satisfaction Rating 1.66/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 464 ratings

This company is not yet accredited. See reviews below to learn more or submit your own review.

The AARP Auto Insurance Program from The Hartford offers car insurance for drivers in most states. Coverage comes with multiple perks, and special savings and benefits are available to safer, more experienced drivers. Applicants must be registered AARP members and at least 50 years old, but those who qualify can get a free, no-obligation quote in eight minutes or less.


Hartford Auto Insurance offers car insurance for those who have been driving for decades. Seniors are given special treatment, and many of the positive reviews say customer service is key.


  • No hidden fees
  • Premiums set for 12 months
  • Partnership with AARP


  • Billing is confusing for some seniors
  • Rates may be higher in some areas
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AARP/Hartford Auto Insurance Reviews

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Page 1 Reviews 0 - 10
Rated with 4 stars
Verified Reviewer
Original review: Jan. 26, 2020

Had Hartford for 7 years and experienced good service on claims. 1 major at fault accident, 2 spammers claims and a deer involved accident. Premiums went up accordingly. Switched to Liberty Mutual and premiums went up w/o any claims after 3 years. Went back to Hartford after checking rates. Shopped around again for 2020 and found that Allstate Milewise plan will save me $600 a year. Also received home insurance quote that is $300 a year cheaper. It pays to shop yearly as we are retired. Hartford and had great service but Allstate is rated higher by Consumer Reports.

17 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Sept. 9, 2019

AARP policy. Have been with them for years. Rates are always highly competitive and service is outstanding. Website is excellent and easy to navigate. Phone reps are courteous and knowledgeable. I see no reason to look elsewhere.

17 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer
    Original review: Sept. 9, 2019

    AARP the Hartford had the best rates for me and when I have questions or concerns a phone call connects me to a professional and courteous customer service rep plus they have an excellent mobile app or I can go online and pay my bill or make changes to my policy. Highly recommended.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 31, 2020

    My wife backed into a pole and damage was minimal. Total repair was just less than 1000.00 dollars. I called Hartford and asked if this would affect my premium if I made a claim. I was told no cause it was such a small amount. Got a letter from Hartford a year later stating my insurance was going up by 500.00 dollars a year for 3 years. Goodbye Hartford! You won't get any more money from me. Totally lied to me. Never again. à

    2 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: April 28, 2020

    First I typically do not write reviews but after my experience of a quote I had to share my concerns. I am a 50 year old male, my wife and I were looking at policies for our car and home. I tried to first do a quote online and the system crashed. I finally called in to get the quote and will say first some what a high pressure sales. I have zero accident and zero claims other than a hail claim on a rental car. I also have zero speeding tickets as a former peace officer.

    I called verified the account had to provide information the initial quote was $1,880 a year. Which I must say I was shocked the agent could not explain why so high then realized that the quote did not have a AARP number so he added that number and it dropped it to $1,757 which I was still shocked. He explained and I quote "It's ONLY $146 a month" and the policies they write are for a year. And they do not go up. I encourage anyone over 50+ to look at others I received a binging quote for $108.00 a month, this is not where I want to be but it is way better than The Hartford. A $501.00 savings over a year. So even if I have to be a smart shopping and look around in the future I would rather save the $501.00 I am overpaying!

    3 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: March 3, 2020

    Our premiums are auto deducted from our checking every month and we are enrolled in paperless billing. I noticed that my premiums had almost doubled, and I did not receive a notice of any changes to the policy. I called AARP and spoke to customer service to find out why my premiums had gone up. I was put on hold while the Rep looked into our account. When she came back on the phone she stated that we added a driver to our policy. And that they sent me a letter in the mail to verify that I authorized this person to be on my policy. I stated that there I never received a letter and she stated that it was sent to me twice. I never received a letter of any kind. She then told me that they verify drivers through the department of motor vehicles and this person has my address on their driver’s license. That’s when I thought someone is trying to fraud me.

    I asked for this person to be removed off my policy and that I be credited for the last 3 months of fraudulent charges. So, the Rep said yes she could do that but had to get authorization from the underwriter and put me on hold once again. Several minutes later she came back on the phone and stated since I didn’t respond to the letters they sent me in the mail, that they could not credit me those charges. I explained that I don’t know this person and I never received any mail regarding this driver either. She explained there was nothing she could do. So, I asked to speak to someone above her and because it was on a Friday and at the end of the day it wouldn’t be till the following week.

    Meanwhile, I said I will find out who this is and I will be getting my money back. The Rep sent me a copy of the policy with the name of Justin ** and a birthdate of 5/12/2000 was added as a driver back in October of 2019. That name “**” Was my last name 12 years ago from my first marriage and I know for a fact that there is no Justin in that family. I called our local sheriff's office to investigate because I wanted to find out who was using my address on the ID. Officer Cody was able to run a check and found out that there is no Justin ** with that birth date or address in any state of the US!! The only individual or individuals that would benefit from the premium increase is AARP! The driver has no vehicles, and does not exist in fact he does not even appear on my proof of insurance!

    I believe that someone looked at my credit report seen what my name was back in 2000 and made up a name and birth date and then added the driver to my policy for financial gain.The following day I received another call from AARP and I explained to her what I found out on a recorded line, and she still is refusing to credit me the past 3 months of charges!! I told her you are frauding me on a made up individual and then she went on to say that I was sent an email about this driver and that I have access to my account online so I should have known and still I could not get across to her that your company is telling me they verified this person through the DMV. This is a total lie, because he does not exist. And you first tell me I was sent a letter and now you are telling me I was sent an email which is another lie, because I did not receive an email either!

    How many other people are being fraudulently charged higher premiums on added drivers or anything else they want to add to a person’s policy without them knowing, because their premiums are auto deducted? I feel like this is a very big deal!! AARP has reputation for looking out for seniors and now that trust for this company has been completely shattered.

    50 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 4, 2020

    In one word "Awful". 1) First issue - I used the on-line quote of getting the Hartford car insurance for AARP members. The premium amount was $520 more than the quote for a 12-month policy. I was told that was the case because of "1" speeding ticket. Other than that, my record has been near perfect. No accidents and/or other tickets for over 20 years. I thought that was excessive for just 1 speeding ticket so I spoke with rep and so-called supervisor. After back & forth talk, absolutely nothing was done. 2)Second issue - I was also given a premium amount less than 2 week ago for a much lesser amount than the premium that was currently given. Nothing had change in my records within that 2 week period, but somehow the 2 premiums were over $300 in difference. In my case, the premium amounts did not coincide with the incident and conflicting quotes and/or premiums. Long story short, I did not get the insurance.

    28 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 17, 2020

    Asked for a reduced cost when other insurance price increased, I asked for same policy with Hartford agent and paid for the year 1400.00 plus. This year same policy 17000!. Began to get quotes from AAA, Liberty Mutual, Nationwide... For same coverage...When the agents informed me I did not have full coverage with collision but a liability auto policy which should have been half the price (700-900 max) I paid!

    When confronted by Better Business Bureau I received a call from a rude woman who gave her name as T from Aarp Hartford.. They represent the majority of seniors in this country yet fraudulent practices. She said she listened to 2 hour phone call with rep. I wanted a copy of the call. Of course, she refused because she knew it was fraud. Please beware of semantics when speaking with aarp hartford agents. In addition, aarp hartford reduced my home policy to half of what I receive now from a top homeowners insurance for twice as much coverage. Alarming!!!

    23 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 11, 2020

    I was with the Hartford for years without a claim or complaint. I received this year's renewal and discovered that my rates had increased by about 50%. After a phone call I was told that I had filed a claim in mid June of last year???? After thinking that someone had hit a wrong key on their computer "trust me that happens more than you think" They told me that I had called to inquire about a thing that happened to me about that same time I had pulled over with my travel trailer to let some traffic by and apparently brushed an inanimate object with one of the trailers awning arms which pulled the rivets out. I had only called to see if I filed a claim if would increase my deductible and how many quotes I needed to get, I had yet to get a quote.

    After several phone calls and demanding to talk to a supervisor was told that since I told them I had an 'incident' that it was on my record even though I paid for the repairs out of pocket total was $488.00 and I have a $500.00 dollar deductible. I never filed a claim but yet my premiums went up???? What a racket!!!! Even charge you when you don't use them. I won't be renewing my AARP membership if this is the company they want to keep.

    39 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 12, 2019

    They increased my monthly premium from $119 to $247 without a notification. They claim they didn't receive my USPS mail about exclusion of my out of the country daughter and they just added her to my policy without my consent or even a notification. Stay clear, they will lure you in with a competitive rate and change it behind your back.

    38 people found this review helpful
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    AARP/Hartford Auto Insurance author review by Matthew Brodsky

    AARP, the nonprofit organization devoted to senior living, partners with The Hartford to offer auto insurance to its members. Many seniors’ reviews of this company point out the benefit of working with a company focused on their demographic. AM Best gives an A+ rating for financial security.

    • Coverage and plans: Common coverage options include comprehensive and collision, uninsured and underinsured motorist, property damage liability and bodily injury. Other options include classic car coverage and new car replacement. AARP’s auto insurance through The Hartford is available in all 50 states.

    • Cost: The average rate for a driver in Austin, Texas, is about $142 per month. The Hartford offers disappearing deductible options.

    • Discounts: AARP members receive special discounts for bundling, upfront payment, eco-friendly vehicles, defensive driving certification, safety features and good students.

    • Standout feature: The RecoverCare plan pays for certain basic living costs after a driver is in an accident.

    by Matthew Brodsky Insurance Contributing Editor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    AARP/Hartford Auto Insurance Company Information

    Company Name:
    AARP/Hartford Auto Insurance