AARP car insurance rates and discounts

AARP members are eligible for the organization's auto insurance. The average cost of AARP auto insurance is $1,332 per 12-month policy — or approximately $111 per month. Let’s explore some of the policy options and coverage features offered by AARP, as well as the organization's customer service and JD Power ratings.

How much does AARP car insurance cost?

AARP members receive discounted car insurance through The Hartford, a company providing auto insurance for drivers older than 55. We used five random representative ZIP codes across the US to determine the average cost of an AARP car insurance policy.

Lifetime renewability

As long as you’re an AARP member, your car insurance policy will renew — even if you’ve had traffic convictions or accidents. There are a few state-specific stipulations here, so speak with an agent at The Hartford if you’re interested in this policy option.

12-month rate protection

Most car insurance policies last just six months. This means prices are reviewed and re-rated every six months. While your rate may decrease at policy renewal, it's more likely your insurance company will raise rates at policy renewal. Between 2011 and 2018, car insurance premiums have increased by an average of 23%. While you might experience a rate increase with AARP and The Hartford, it could be less frequent.

New car replacement

This coverage refunds the replacement cost of a new vehicle if you’ve totaled it within the first 15 months — or 15,000 miles — of acquiring it. In the event of a total loss collision, The Hartford will replace your car with a replacement of the same make and model.

RecoverCare

This is a unique coverage option provided by The Hartford and AARP. If you’re injured in an accident, you will be insured up to $2,500, covering transportation, cooking, cleaning, and other help you might require after an accident.

First accident forgiveness

With this coverage, your first accident won’t increase your premium. This is sometimes referred to as Accident Forgiveness by other insurers.

One deductible

If you insure two vehicles with AARP and The Hartford and they’re both involved in collisions, you only need to file one deductible with this coverage.

Disappearing deductible

Every year during which you do not have a collision, your deductible will decrease. This coverage is available through different insurers.

TrueLane

TrueLane is The Hartford’s telematics program. TrueLane uses your driving habits to price your car insurance premium. In addition to earning a 5% discount on your premium just by signing up, you can lower your premium by exhibiting safe driving habits. Things like harsh braking, rapid acceleration, and late-night driving can increase your costs.

Towing and roadside assistance with AARP

AARP runs two roadside assistance programs through two insurance companies. AARP's program through The Hartford is much less comprehensive than its solo roadside assistance package.

AARP emergency roadside assistance

This program provides 24/7 coverage in the event you're stranded on the side of the road. If you have comprehensive coverage,

Towing insurance coverage

This coverage offers a tow to the nearest repair shop if your vehicle is inoperable. This coverage does not necessarily require a collision or accident to have occurred. Like the emergency roadside assistance package, you must have comprehensive coverage to utilize this policy feature.

AARP auto insurance reviews

The Hartford's customer service earns generally good reviews. The Hartford currently holds a JD Power Rating of 4 out of 5, and a customer satisfaction rating of 879 of 1,000. However, The Hartford, like many insurance companies, has some negative reviews. The best way to find the right car insurance provider for you is to do detailed research. Understand the coverage you need and how much you're able to pay. This will expedite your search for car insurance