AARP/The Hartford Auto Insurance

AARP/The Hartford Auto Insurance Reviews

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Overall Rating3.8 out of 5
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About AARP/The Hartford Auto Insurance Reviews

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.

Pros & Cons


  • Designed for senior drivers
  • Member-specific discounts and perks
  • Free quotes


  • Must be 50 or older
  • Available only to AARP members

Bottom Line

AARP provides members-only auto insurance through The Hartford. It’s available only to drivers 50 and older. AARP policies are tailored to your needs, and members get exclusive rate discounts.

Featured Reviews

Prospect, CT

Purchase through AARP senior discounts saved us a lot of money. In the past we’ve had Allstate, Prudential, Liberty Mutual and few others. However the Hartford claims department i...

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Blythe, CA

Easy application. You just pick your choices of coverage and you get a price....I've make claims and they were handled in a fast professional way. Quick and easy. And renew abilit...

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About AARP auto insurance

AARP (the American Association of Retired Persons) is a nonprofit organization focused on assisting people over 50 years of age. AARP offers its members exclusive insurance tailored to seniors through The Hartford, a company that’s provided insurance for Americans since 1810 and boasts famous clients like Babe Ruth, Abraham Lincoln and Dwight Eisenhower. Together, AARP and The Hartford offer member discounts nationwide.

How does AARP auto insurance work?

To receive AARP auto insurance, you must be 50 or older and an AARP member. For qualifying members, the company offers standard car coverage options:

  • Collision
  • Comprehensive
  • Liability
  • Medical payments
  • Personal injury protection
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage

AARP also provides additional coverage options, including:

  • Accident forgiveness
  • Car towing
  • Disappearing deductible
  • Full glass coverage
  • Gap insurance
  • Lifetime car repair assurance
  • New car replacement
  • Personal umbrella insurance
  • Recovery care
  • Rental car expenses

You can bundle your auto insurance with other coverage, including homeowners or life insurance.

AARP auto insurance quotes and rates

The best way to figure your AARP car insurance cost is to request a quote. Insurance rates depend on several factors, including age, driving history, gender, location, type of vehicle, credit score and more. Typically, insurance rates for seniors are lower than average, since seniors tend to be more experienced drivers. AARP’s discounts vary by state, but they include:

  • Vehicle equipment: Discounts on airbags, anti-theft devices, the TrueLane driver monitoring app and vehicle fuel.
  • Driver education: Driver training and defensive driver course discounts.
  • Customer loyalty: Multipolicy and paid-in-full discounts.

AARP auto insurance FAQ

How much does AARP auto insurance cost?
AARP auto insurance costs depend on factors including location, age, credit score and more. To find out what your coverage costs would be, contact AARP for a quote.
Does AARP have good auto insurance?
AARP auto insurance is underwritten by The Hartford, which has generally good customer reviews. Its AARP auto insurance coverage includes benefits designed for its 50+ demographic.
Is The Hartford’s insurance only for AARP members?
The Hartford serves customers of all ages, but its AARP coverage and discounts are for AARP members exclusively.
Is AARP auto insurance available everywhere?
AARP auto insurance is available nationwide, but specific coverage options vary by state.

Is AARP Hartford car insurance good?

AARP auto insurance through The Hartford is available only to AARP members, and you must be at least 50 years old to qualify. If you’re a driver that meets these requirements, AARP’s car insurance is a solid coverage option. Overall, AARP/The Hartford’s coverage should offer peace of mind to seniors who need trusty auto insurance.

AARP/The Hartford Auto Insurance Reviews

ConsumerAffairs has collected 585 reviews and 1,642 ratings.

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Page 1 Reviews 0 - 10

Reviewed Aug. 11, 2023

I agree with the other bad reviews as well. I had The Hartford for my car insurance, I had a very minor pothole damage to my car, I filed a claim and for 30 days they gave the runaround, barely returned phone calls. I have to spend money from my own pocket to get my car repaired. Wasted my time and gas driving to get estimates for my car and was useless. They never sent me my estimate from Service King who they referred me to. I would not recommend using this company. Depending on The Hartford to protect your valuable items is a mistake! Read all the other reviews online as well like consumer affairs and BBB. They have 1 star with BBB.

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Reviewed June 9, 2023

I do not know why AARP supports The Hartford Insurance Company as a valued resource for members. I have had car insurance for all of my adult driving life. I was not enrolled in paperless billing and did not receive my yearly bill. I was prompted by the lienholder of my vehicle stating my insurance ran out. I called The Hartford to make a payment and was 45 days delinquent. This put me in a position from a stellar driving record and active insurance into a pool as though I didn't have insurance for 50 years. My yearly rate tripled! I searched all day for a new insurer. The Hartford is an absolute horrible option for insurance. Buyer beware!

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    Customer Service

    Reviewed May 7, 2022

    ROADSIDE ASSISTANCE. I’ve tried to go through The Hartford for Roadside Assistance before with the same negative result. They routinely assign providers from Long Island and I live in Westchester county. They never check the location of the provider. Meanwhile I was able to a provider on my own right in my area. Unfortunately I forgot about the last negative experience with Hartford. Poor, poor, poor customer service. Never again.

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    Reviewed Dec. 21, 2021

    I paid my December payment a week ahead of time. The website said my next payment would be deducted in January. They tried to take out the money two more times (for 2 policies each time) costing me a total of $100 in NSF fees for a bill I had paid a week prior. They refuse to help me or refund the fees

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    Reviewed July 10, 2021

    Have been with AARP The Hartford for several years and wanted to increase my Umbrella Coverage. Had to contact the insurer directly and mentioned that I was purchasing a new 2021 Tesla. Was told that they will not insure a Tesla. I have now placed my Auto/Home insurance elsewhere. How can AARP be so stupid as to recommend this company? When I cancel my membership, may they will understand.

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    Reviewed Feb. 16, 2021

    I have received over 60 “events” for speeding on I-15. The report says I was going either 76 or 77 mph. That is true. I set my cruise control at 77 mph. The speed limit between just South of Spanish Fork and St. George, Utah in that area is 80 mph. I have contacted True Lane numerous time to challenge the events, but they don’t seem to care. I should not have even one event. Also, the distracted driving has problems. I was told it is because I was using the phone. I have not used the phone even once while driving.

    I recently received many events as I was visiting Valley of Fire State Park in Nevada. I pulled out into the pull out area, got out of my car and took a picture with my phone. I did this many times and got a event for doing it. I also went to McDonalds drive thru and showed my phone app to get a discount. I received a event for this. Again, true lane does not seem to care. I could go on and on with their inaccurate violations. Hard breaking is also wrong. They told me if you slow down more than 7 mph in one second, that is an event. I have some going less than 15 mph to 8 or 9 mph. All violations. There is no way yo complain to Hartford. They just say to contact True Lane which could care less.

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    Reviewed Oct. 16, 2020

    I've been with Hartford for years and never had a problem until now. It started when I questioned why my rates went up. It was because of under or no insurance people. So I'm paying for them. I increased my deductible at that point. So of course, I backed into a car Sept. 8th. That was over a month ago. They are finally in the process of taking care of my neighbors car. As soon as his car is repaired, I am leaving this company. Awful experience. Phone calls weren't returned as promised. They never did refund the difference of changing my deductible from $500 to $1,000. Offered me $34 to repair my car. I told them they could keep that check. Still waiting for the $53 change in policy check. How can AARP be recommending this company?

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    Reviewed Sept. 1, 2020

    After years with them with 2 cars, I sold one car and the insurance went UP by $30. I think not - hello Geico. Not to mention these people don't what they are doing there. Bad company - how does AARP get behind them????

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    Reviewed Aug. 29, 2020

    As AARP members we thought getting auto and homeowners insurance through The Hartford would be a good deal. Unfortunately it wasn't. My wife and I have spotless driving records, no tickets or accidents, and we drive older Subarus. I've owned houses for about 40 years and never submitted a claim, until recently. The Hartford seemed to go out of their way to deny the claim without even looking at the damage.

    While we were dealing with the house issue I started looking around at auto quotes and was shocked. Other major companies had the same coverage with additional benefits for roughly 50% of what The Hartford was charging us. We switched immediately. After dealing unsuccessfully with them on the house issue for several months we gave up, cancelled the homeowner's insurance, and switched to another company - once again at lower rates and with a much lower deductible. The old guidance about shopping around still applies - shop around until you find the best deal.

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    Reviewed Aug. 3, 2020

    AARP Hartford is great car insurance. Consistently gives the best rates and discounts that fit our changing lifestyle and auto usage. Superb customer service. Bundled with home or renter insurance drops rates further.

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    AARP/The Hartford Auto Insurance Company Information

    Company Name:
    AARP/Hartford Auto Insurance