AARP Auto Insurance Program from The Hartford Reviews

Hate the True Lane. Hard braking -4. 6 miles. Same trip back 5 star, no change. 15 (5) stars in row, no change. Now, I will school you. Find a body shop you trust or send your car to the dealer after accident. Right after accident. If you have to, have car towed right 2 your shop and pay duty tow. If you can pull car into somewhere and refuse Duty Tow. Fight, you will get charges back. If not still save heartache. Trust me, they will get the adjuster out there and get estimate and have it fixed under time. Especially a dealer, double price estimate. In Philly, I recommend (I-95) Collision, or the Dealer. Again TRUST ME. See what happens when in 1 day you have car in your body shop (Dealer) not theirs. They run. LOL. Never go to their shop, they get discount.

They say you can ph as low as $86.00 a month if you’re over 50 years old. Well I just tried to see what I could get and it was double than what I pay for now. They wanted over $2600.00 a year. So if you live in New York state you can forget getting insurance through them.

.... Been a AARP general member since 2019, disappointed that AARP changed their website where customers in the Houston region (not sure what others have access to) cannot access their billing/transaction history, activities, or payment method. This is absolutely unacceptable to pay money and not know where it is coming from unless you pick up the phone or email to get minor/basic information. So I got rid of the headache and time-waster. Pre-covid never had an issue with anything. Post- it's not worth the bother. The discounts were very meager anyways--- cancelled membership, good riddance.

I received a quote for an Auto and HO policy on 5/28/26 for a start date as of 7/2/26 with The Hartford (AARP). After more research I decided not to proceed with this carrier on 6/1/26 and I was staying with my long time insurance company. I notified The Hartford on 6/1/26 and received a letter from The Hartford dated 6/1/26 verifying that I have cancel their coverage. I called The Hartford to make sure this was being cancelled and was informed by Heather in the new business dept that since a policy number was issued for the Auto & HO policy they will still be taking out the premium $3138.00 on 7/2/26 but then a refund will be issued the next day. Well that did not happen, The Hartford took the payment directly out of my bank account on 7/3/26. Since this happened over the holiday weekend I was not aware this happened until I found several overdrafts in my bank statements.

Been with the Hartford for 10 years, insured several cars, clean record all around, they suddenly disapproved a car I purchased \, decided they were dropping me or the vehicle, because the car was considered higher performance than the past vehicles I owned and move to drop me. When asked why wasn’t I notified prior to purchasing this vehicle that their guidelines have changed they indicated they do not have to notify me about changes. Shame on the Hartford!!

The online tracker, is ridiculous, it seems to charge me when I’m a passenger in another car. And it dings me for not driving telling me that my app hasn’t tracked my driving in over a week while sometimes I don’t drive for two weeks. I’m retired. Also has dinged me for phone uses, when I never use my phone when I’m driving. It’s just a way for them not to give you a discount. The app is not accurate. I don’t like it. I spend more time worrying about my speed if I’m going one over or not cause it seems like it dings you for speed when you’re only one or 2 mph over. It’s the most ridiculous app I’ve ever seen, and the app is gonna cause an accident. In my opinion not worth it. I will not renew with them.

The rates are great but when it comes to TrueLane the driving app it's hardly ever accurate & if you try to send an email about the situation it's like they are all automated responses. I had a score of 81 & made a 600 mile trip that I was never a driver considering my health conditions & I wasn't going to attempt to drive b/c my daughter was in a coma. When I returned home they decreased my score to a 71. When I am driving at home, the app often puts me on a train. If I send an email, the response that I always receive is that I can change this in the app or that I can decline using the app b/c it's not mandatory.

The TrueLane app does not give accurate readings all of the time. The main issue I have is that the app will show that I am distracted (which means I am using my phone) even though my phone is either in the cup holder or my center console. If my phone happens to slide or gets bumped, I sometimes get a score saying I was on the phone. For the most part, the other two readings (speeding and braking) seem to score me accurately, although sometimes the app says I braked too hard. On several occasions, I get a score of zero for braking on a trip, I know I did not brake hard. There for a while, I was getting constantly nailed for speeding on a local road outside of our subdivision, where the speed limit is 35mph.

I had Hartford insurance tell a drunk driver hit my car and my car hit another. They up my insurance because it wasn’t my fault. I drop them.

Heard companies can delete 1 star ratings, so I gave them a 2. I'd love to sue this company for emotional distress. I was in an accident on April 8th 2026. I had just gotten in the left turn lane and this guy pulled out of a Wesco parking lot. He hit me BEHIND the driver's back panel, BEHIND my rear tire. Hitting my tire and rim also. In the police report, after listening to both sides the officer put in the report that the other driver made an improper turn and hit me. Simple, right? Could have been, but The Hartford claims adjuster allowed the other insurance company to blame me, despite the police report.

Garbage customer service. Had a tarp on my house for 9 months, that leaked! Finally got a new roof only to find out portions had to be removed to fix broken rafters!!! Still waiting to be paid for a supplemental claim on the dining room ceiling. Tree fell September 27, 2024.. Today’s date April 15, 2026 and 5 different adjusters. Horrible. Don’t do it.

My mother's Auto Insurance was cancelled by The Hartford, AARP, due to non-payment. However, they never tried to send her a bill by mail, nor tried to call her home phone to let her know. They only used Email. Now, I don't know any seniors that use email at all. I think as a company that is supposed to serve senior citizens, they should have been more diligent in contacting her in mailings and phone calls. I received a quote for Auto from another company that is much lower than The Hartford's rate. And she never had an accident. I can't recommend The Hartford. Poor service.

After being with the State Farm auto insurance ("SF") for 16 years by continuously maintaining a no claim in my entire life and two speeding tickets as a college student decades ago, I switched to AARP The Hartford ("AARP") in late August 2025. As a member of the SF Drive Safe & Save program, I always received a near perfect score in every category (speed, braking, distraction, acceleration, cornering, etc) and I received a good amount of discount on the premium.

This for the truelane app. Specifically for stopping at red lights. It takes 3 seconds for the light to change from green to red. Everything I lawfully stop and it takes me 4 seconds to stop it charges you with hard braking, which is 1 star. It does not matter what the speed limit is. They are trying to get you run stop lights to get a better rating. If you are on a short trip it automatically brings your overall rating to 2 stars. Braking all have only one star. I have complained several times with the app and all you get is a canned response with zero feedback. It makes think whoever designed this app does not drive and no one ever tested this when it was implemented.

Very disappointed that AARP does business with this company. TrueLane app inaccurately records phone use/distraction when the car is parked so one can’t look up an address without being penalized. And how can you use your phone gps then… Also penalized for braking in situations caused by other drivers. Hartford was not clear that pricing would increase significantly if one decided not to use this “big brother” like app. A representative assured me I did not have to use the app but was not clear on the hefty price increase.

Terrible service. The Truelane app has serious technical issues, but The Hartford uses that as an excuse to raise rates. The app won't fully load to my new phone and the company said they will have to raise my rates because of it. No help, just threats.

We have 2 cars - a 2019 Buick Enclave and a 2020 Buick Envision. We are 78 and 81 years old. We only drive local and you're charging us $4,400 a year. What's wrong with this picture??

I’m gonna put this in a short, simple review. My wife and I have been in the property/casualty (that includes automobile insurance) insurance business for a combined 50 years. We had our personal auto coverage with Hartford AARP for 3 years. The Hartford service is terrible. It takes repeated requests to get anything done like add a car. Pretty simple, but no, not with Hartford. Again, they're a terrible company to do business with. They don’t even deserve 1 star. Too bad, at one time they were a decent company….no more.

The app is awful... It will inaccurately reports hard braking constantly. I've tried to address the issue with customer service, but they are rude and inevitably justify rate increases. Ironically, I've used my map app while driving but you get penalized for touching, moving or unlocking your phone!!

This program records events very poorly. There are multiple times there are 2 people in the car with the phone side by side and they show different events!! If you use your phone or speed you get a slap. If you try to stop for a traffic light, car, animal, child--your trip goes to zero. Their program is designed to encourage the driver to accelerate to run through or over an obstacle. It seems that this is set up for everyone to fail.

We had someone who is covered by the Hartford back into us in a parking lot. He said he was not paying attention and didn’t look behind him before backing up, he even admitted it to our insurance and they have it on the recorded conversation. They are refusing to pay us our deductible and diminished value of our car because they believe he’s not at fault because he told them he wasn’t, imagine that. This is ridiculous!!!! I would not recommend this company to anyone, I understand the insurance company being on your side but to deliberately lie and cheat us out of we what is rightfully due!!!! I can’t believe the audacity and blatant disregard for other drivers on the road who can actually operate a motor vehicle in the proper way!!!!

If there was a zero star, this is what AARP Hartford would have gotten from me. What a rip off! I paid the full six months premium. I signed the paperwork and did everything they asked me to do. The Truelane app couldn't download immediately and when I called HartforD, the rep said "oh, it's okay, sometimes it is tricky, but we will not hold you accountable." After about a week, I got the truelane app installed. Luckily I took snapshots of my truelane info. Now Hartford canceled my policy late September 2025 and refunded $21.00 to my account . Their reason for the cancelation is because I owe $50.00 more. Mind you, the policy coverage that I paid IN FULL for is 5/28/2025 to 11/28/25.

I had an auto insurance policy with AARP Hartford Insurance. It expired 4/14/2025. A few weeks before it was to expire they notified me that my cost was going up $700.00 a year even though I have never had a claim or any other problem. I emailed them telling them I was not going to renew my policy because of the increase in fees. Two months after the policy expired I get a bill saying that I owe them $345.40 because they decided not to cancel my policy till 6/17/25.They are saying that I could not cancel my policy on the expiration date. only they could do that at their convenience. Unbelievable!!

I have an AARP The Hartford Auto policy and linked renter's insurance policy. I received an email notice to pay for the policies. I paid the renter's policy and thought I had paid the auto insurance policy but I hadn't. I was able to download the new auto insurance documents. The Hartford did not send me an email letting me know the policy still needed to be paid. Instead, they cancelled the policy. I had no idea it was cancelled till I tried to use TrueLane and it wouldn't work. I checked with The Hartford and they said the policy was cancelled. I tried to reinstate it, but they would not do that. Instead, they issued a new policy but wouldn't keep my good driving record or my service time with The Hartford. The new policy was $150 more than the old policy and they would not change that. I believe the reason they issued a new policy and wouldn't reinstate was to get a higher premium. I'm currently searching for another insurance company.

Terrible. I wanted to pay my recently deceased dad's car insurance premium so that I could continue to use the car while I was in from out of town settling his affairs. Nope. Flat out refused. Don't think this is what seniors who don't want their heirs to struggles to settle their affairs are looking for. Run away!

I consistently get dinged at certain areas where there has been construction. When the construction is completed, the speed limit sign says 45mph but the app or the program thinks the speed limit is 35mph. The Hartford told me to update/contact Google maps on my phone which I have done several times but no change. I have to make sure I drive at 35mph in these areas even though the sign says 45mph. Also The Hartford does not offer their own monitoring equipment so you have no choice but to use your phone.

I do NOT recommend this company. Their acquisition process is not transparent, I believe it is intentionally slow, and purposely overly complicated. I apparently was still in the "application" process 17+ days after getting a quote which was acceptable to me. The quote supported their claim that they can save me $$. After receiving the quote and monthly payment schedule they were happy to accept my first month's payment of $271.48. I mean, money was exchanged right? I had every reason to believe my business with Hartford was a go. No mention at all of driving record at that time which I thought was odd but oh well, they have access to gigantic databases and I figured my record had been reviewed. Otherwise, why would they give me a quote?

We have been with the Hartford for the last 3 years, and never had a problem. On May 12 I sent the payment thru BoA payment was received and cashed on May 17th which was one day late. Received a check from Hartford June 17th. Insurance cancel, it was canceled on May 31. Not even a email letting me know!!

I have never had this type of chaos. This company is awful! I pay 6-12 months in advance. I’ve never had issues in past. I moved and chose this company through AARP and it has been: the app works occasionally, the amount of paperwork given and not through Docusign, and the customer service is terrible. Do not use this company!

No problem with premiums though my premium was raised $150 for the year. When I inquired about paying in two payments rather than the one payment for total yearly premium I was told this would cost an additional $91 per year. How do they justify this amount? It feels like theft. I would rather deal with a straight forward company than be nickel and dimed like this. And I won't have to join AARP.

I have had several inaccurate deductions. You will fail if someone cuts in front of you or you stop for deer. Also you will fail for speeding in some areas as Google is wrong. The app does not like it when you accelerate to get into Freeway traffic. It would rather have you get hit.

I called The Hartford today. They quoted $1700 for 6 months auto insurance for my 3 vehicles including a 2024 Corvette. I pay $1200 with Progressive less $200 for putting my Vet in the garage for 4 months. The agent said they can't compete with Progressive and they have agent commissions to pay. If you call Progressive corporate you will save on no agent commissions. Allstate is even worse than the Hartford. They wanted over $3000 for 6 months. Facebook has ads for auto insurance. The ad says they will not ask your age. The first thing they ask is your age. The then stair you to Allstate. I get an Allstate agent who I tell they asked for my age. The Allstate agent said they lie. I told him it's Allstate ad and your company lies. Note: Progressive isn't paying me yet to write this review.

Truelane is not accurate. I have a clean, perfect driving record, even though I got a 89 score since few months ago. I have more than 50 o 60 drivings with no issues in a row, but the score has not changed. This app is totally against the driver. I don't like it at all.

I signed up for the 12% discount allowing the use of TrueLane. I’m a good driver, especially when it come to not using my phone. I have a score of 95 for distractions. Came from being a passenger. That’s right, the app don’t work as expected. I have to turn it off if riding with others and while on vacation I take away permissions from the app. The other two scores, speeding 86, braking 75. I really don’t get the braking, I’m very good on my brakes. My overall score is 64. Why? Because it also tracks when you travel and how many miles. Traffic seems to be the main reason for the score. I travel in traffic 3 days a week, about 15 minutes each way. So… if you travel in traffic I suggest you not get the app. I’m assuming my rates will go up. More to come…

Switched insurance companies for our vehicles (3 then, 2 now) two years ago. Rates were great. Then at renewal a year later, doubled. Now tripled from initial amount. Have been using True Lane and used to have 99% score. Then they changed the app and dropped to 83% score. What??!! Records hard braking even when there is none, like my phone shifting in my purse. Of course we live in a city so there is always some yahoo cutting in quick when they shouldn't. Not on me but it is. So when you hard brake it takes away all your stars. I've had no claims, tickets but one in all my years of driving (51 years) and only one fender bump over thirty years ago. So not sure why the big jump except for the fact that this Arizona city has some of the most dangerous roads in the country. Of course our house insurance increased the same percentage as well. Going shopping this month for new provider.

The Truelane app is required for an initial 12% savings and has to be kept active. But the app is totally bogus. I got penalized for 28mph speed reduction over 7.7 seconds (try to stop that slow). And when someone else in the car touches my phone I get dinged for distracted driving. And.. the speed limit in are area is mostly 25mph so we are always getting dinged for speeding. We are looking for a new insurance company.

I have purchased Auto and Home bundle in Nov 23 to Nov 24 with senior discount in Auto and charged more than state rule if you drive less than 50 miles a day you will get more discount. But unfortunately, with me and my spouse has 99 driving rating still paying $1300 plus for two vehicles and this year's renewal increased $400 more to $1700 with $1000 deductible and other insurance company quote me as $838.00 per year for both vehicles with $500 deductible. I/We also AARP members since last 15 years. Still, I have insurance with AARP Hartford Insurance until Nov 24 and by some reason, I am unable to access my online information like policy and other information they internationally removed from the website and unable to login. Make sure to shop around before buy AARP Hartford policy with Home and Auto. I/We do not recommend this AARP Hartford Insurance for Home and Auto bundle...

We have had Hartford auto and home insurance for a couple of years now with no problems. We installed the TrueLane app to get lower premiums. This year our payments increased but were still lower than some quotes I got at that time. The app has not been a problem, both of us have had scores in the 90's which is great! In August of this year we took a long road trip. There were a couple of small infractions noted on our app but nothing major. We went to visit family in more than one location.

It all started with hail damage on the car. So Hartford referred to me to ABRA their preferred body shop. Now the sunroof and or cover will not retract. Of course, ABRA said they didn't work around the track for the sunroof and Hartford talked to ABRA and sided with them. Hartford said it was from normal wear and tear. Stay away from Hartford, they will screw you every chance they get.

My car was hit in Reno, NV on May 29, 2024. The lanes shifted to the left, and the SUV next to me did not shift because the left lane she was in was ending, she continued straight and stuck my vehicle in the area of the left rear wheel. I contacted The Hartford. The lady that hit me is also insured by The Hartford. I was told if she was found at fault my $500 deductible would be waived. I went to The Hartford's approved body shop that looked like a junkyard to get an estimate. The estimate was $1782.66, minus the deductible it came to $1282.66. I went to my body shop, and the estimate there was $1973.60.