AARP Auto Insurance from The Hartford review

The Hartford's program is built for AARP members, and its pricing is more open than most: it says drivers can pay as little as $87 a month, and that its customers pay $158 to $196 a month on average, with averages broken out by age band and state on its cost page. AARP members get up to 10% off, and there is a 5% defensive driving discount for courses such as the AARP Driver Safety Course, up to 10% for a five-year clean record and up to 10% for paying on time. The telematics program gives up to 15% for joining and up to 40% at renewal. Benefits aimed at older drivers include RecoverCare, which helps pay for household services after an accident injury, new car replacement and lifetime repair assurance at 1,600 shops. Accident Forgiveness and Disappearing Deductible need a clean record and are not offered in California, where The Hartford does not write new business, nor in Florida. We compared documented features and published prices.

Who it is for

AARP members aged 50 and older

Price

From $87 a month; The Hartford says its customers pay $158 to $196 a month on average.

With The Hartford, you can pay as little as $87 a month for car insurance.
Quoted from the vendor pricing page on November 11, 2026.

Key features

• Up to 10% off for AARP members
• Telematics: up to 15% for participating and a renewal discount of up to 40%
• New car replacement if you total a new car, with no deduction for depreciation
• RecoverCare to help pay for home services such as cleaning after an accident injury
• Lifetime car repair assurance at 1,600 authorized repair shops

Strengths and weaknesses

• Strength: Publishes a starting price of $87 a month and average prices by age group
• Strength: Bundle home and auto for an average saving of $963
• Strength: 5% defensive driving discount for courses such as the AARP Driver Safety Course
• Weakness: Does not write new business in California or Florida
• Weakness: AARP membership is required in most states
• Weakness: Accident Forgiveness requires five accident-free years with The Hartford

Key facts

• Starting price: $87 a month
• Average price: $158 to $196 a month (The Hartford customers)
• AARP discount: Up to 10%
• Average switch savings: $597
• Not sold to new customers: California, Florida

Where it ranks

AARP Auto Insurance from The Hartford is No. 7 in our Best Car Insurance Companies verdict.