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Auto Insurance

The AARP Auto Insurance Program offers valuable benefits and exceptional claims service – at rates that reward you for being a safer, more experienced driver.

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Many Ways to Save

It simply makes sense. If you’re a safer driver, you deserve to pay less for your auto insurance. And, with the AARP® Auto Insurance Program from The Hartford1, lower rates are just the beginning. The Hartford offers additional ways to save on your auto insurance, including discounts for:

  • Insuring more than one car
  • Completing an approved defensive driving course, such as the AARP Driver Safety Program
  • Having safety or security devices in your vehicle, such as air bags or anti-theft devices
  • Bundling your auto and homeowners insurance together in this Program.

Availability of credits and discounts may vary by state or policy plan.

Getting More for Your Money

When you insure your car, truck or SUV through the AARP Auto Insurance Program, you’ll be able to take advantage of benefits not found with some other companies, including:

  • A 12-month policy, that locks in your low rate for a full year.
  • RecoverCare§ – A cash reimbursement if you’re injured in an auto accident and need to hire help for housecleaning, yard work, childcare and more.
  • Lifetime Renewability† – A promise you won’t be cancelled as long as you pay your premiums and meet a few simple requirements.

For a higher level of protection, you can choose to add an optional package of benefits that includes:

  • First Accident Forgiveness‡
  • Disappearing Deductible Benefit‡
  • Emergency Expense Coverage

Availability of benefits and features may vary by state or policy plan.

Claims Service You Can Count On.

Beyond rates and benefits, the true value of the AARP Auto Insurance Program is what happens if you have an accident or other claim. The Hartford’s 6-Point Claims Commitment covers every step of the claim process and helps ensure your complete satisfaction -- from the moment you report your claim, until the time The Hartford issues your payment.

Want to Get in Touch?

AARP® Auto Insurance Program from The Hartford

Phone: 1-888-489-8631

Monday – Friday: 7:00 am - 11:00 pm (EST)
Saturday & Sunday: 8:00 am - 6:00 pm (EST)

† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile, have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH and NC.

‡ Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the optional Advantage Plus package. A policy without these benefits is also available. To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean record (no accidents or violations) for five consecutive years. To qualify for the Disappearing Deductible in most states, all drivers on the policy must have a clean record for three consecutive years. NY and PA drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package, First Accident Forgiveness and Disappearing Deductible benefits are not available in all states.

§ Availability of RecoverCare benefit and benefit levels vary by state.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. CA License #5152. In Washington, the Program is underwritten by Hartford Casualty Insurance Company. In Michigan, the Program is underwritten by Trumbull Insurance Company. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays a royalty fee to AARP for the use of AARP's intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company.