Insurance » Auto Insurance Reviews » The Hartford AARP Car Insurance: 2022 Review
Advertiser Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

The Hartford AARP Car Insurance: 2022 Review

Designed for the over 50s, The AARP auto insurance program has been offered from The Hartford exclusively for AARP members since 1984
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Hartford AARP Insurance Review

The AARP Auto Insurance program from The Hartford has been offered exclusively to AARP members since 1984. The car insurance coverage is specifically designed for those over 50.

Benefits include RecoverCare assistance if you’re injured after an accident. The coverage compensates you for any tasks such as cleaning, snow removal, lawn maintenance or dog walking that you are unable to do yourself after an accident.

Additionally, there is New Car Replacement coverage, so if your new car is totaled, you can obtain a replacement of the same make, model and specification with no deduction for depreciation.

The company has a network of over 1,600 approved repair shops. If you use one of these trusted repair services for your vehicle, you can enjoy lifetime repair assurance for as long as you own or lease the vehicle.

BBB Rating

A+

NAIC Index

1.93
aarp-american-association-of-retired-persons-logo-vector
aarp-american-association-of-retired-persons-logo-vector
Get My Offer

Better Business Bureau

A+

NAIC Complaint Index

1.93

J.D. Power satisfaction

4.12/5

PROS

CONS

Get My Offer

Customer Satisfaction Ratings

    • A+ on BBB: BBB assigns ratings from A+ (highest) to F (lowest). BB ratings are based on information in BBB files with respect to factors such as business's complaint history with BBB, type of business, time in business, transparent business practices and more.
    • 4.1/5  on Consumer Affairs customers reviews (+900 reviews): CA customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
    • 4.8/5  on Hartford AARP customers reviews (+45,900 reviews): CA customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
    •  4.12/5 on J.D Power: We considered J.D. Power’s regional auto insurance study as well as J.D. Power’s claim satisfaction survey.

J.D Power offers the most comprehensive and independent study of customer satisfaction. The study aims to help consumers and issuers to understand user opinions and ratings of the largest car insurance companies. It covers customer satisfaction, terms, coverage options, communication, rewards and more.

J.D Power’s claim satisfaction survey rates companies on customer’s claims experiences.

Available Auto Insurance Coverages & Benefits

The AARP Auto Insurance Program from The Hartford is available for cars, trucks and a variety of other vehicles including RVs, snowmobiles, and ATVs. There are several coverages and benefits offered:

  • Liability: This will help to cover the costs if you’re legally responsible for an auto accident that causes injuries or death to the driver or passengers in the other vehicle. The coverage also covers medical expenses, lost income, legal fees, funeral costs and compensation for pain and suffering.
  • Collision: Collision auto insurance helps to cover the damage from another vehicle or an object. For example, if you slide into a tree during a storm, this insurance can help to cover the cost of your vehicle repairs. It can also cover damage for incidents such as a rollover accident or if someone crashes into your car while it is parked.
  • Comprehensive: As its name suggests, comprehensive insurance provides comprehensive vehicle coverage. It can pay for damages related to theft, vandalism, fire, natural disasters, falling objects, glass damage, hitting an animal or civil disturbances.
  • Disappearing Deductible: As long as you maintain a clean driving record, you can reduce your collision deductible. This optional feature is not available in California
  • Deductible Waiver: If you’re not at fault, in most cases, there is a waiver of the deductible when you make a claim. However, this feature is not available in all states.
  • Accident Forgiveness: Upon qualifying for this benefit, your first accident will be forgiven. This means no rate increase, even if it's your fault. This is unavailable in California.

Video You May Like

How to Get a Quote

Step 1: If you’re a member of the AARP, you can obtain a quote for the AARP Auto Insurance Program from The Hartford directly from The Hartford website.

Step 2: Provide your zip code to start the quote process.

It is a good idea to have your vehicle registration, driver’s license and your current auto insurance documentation.

Step 3: As you might expect, you will need to provide details about your location, vehicle and driving history. The Hartford also requires that you provide your AARP membership number. You’ll need to answer questions to determine if you have any accidents or moving violations, and how much time you spend driving. This is because the more time you spend on the road, the greater the chances of being involved in an accident.

Your location can also have an impact on your quote, as the population density in your neighborhood can increase the chances of an accident and therefore the cost of your insurance.

  • Quotes may also be obtained by calling The Hartford

Pros

As with any financial product, there are both pros and cons. It is important to be aware of both sides before making a decision:

When you’re dealing with the AARP Auto Insurance Program from The Hartford, you can be assured that you’re dealing with a reputable company. 

The AARP has been partnered with The Hartford for over 30 years, which highlights the company’s standards. Additionally, the company has an A+ rating with the Better Business Bureau.

You can receive a discount for bundling your insurance policies including your auto and home insurance.

While The Hartford offers a variety of coverages, this is special coverage designed for AARP members. This offers tailored rates, benefits and discounts that are specifically designed for those over the age of 50.

An accident can occur at any time, so you don’t want to have to wait until regular business hours to start your claim. The AARP Auto Insurance Program from The Hartford allows access to a 24/7 claims line, where you can receive an immediate response.

Cons

This insurance is specifically designed for those over 50, so it is not available for younger drivers.

While The Hartford can get you signed up in minutes, you need to be a member of the AARP to access this auto insurance and its benefits. 

Auto Insurance Discounts

You can also qualify for a number of discounts from the AARP Auto Insurance Program from The Hartford. In addition to special AARP membership pricing, there are other possible discounts including:

DiscountHow do you receive it?
Online DiscountYou can qualify for a discount when you apply for a free online quote. This is not available in all states
BundleIf you bundle your home and auto insurance policies, you can save as much as 5% on your car insurance and up to 20% on your home insurance
Paid in FullIf you pay your insurance premium in full, you could qualify for a discount.
Defensive Driver CourseYou can qualify for a discount on your next three years of auto insurance if you complete an approved defensive driver course. You’ll need to send a copy of your certificate when you complete the course and a credit will be applied to your premium
AirbagsIf your vehicle is equipped with more than one airbag, you can qualify for additional savings.
Anti Theft DevicesYou can also save money on your auto insurance if your vehicle has passive or active anti theft devices.
Green DiscountThere is the possibility of an additional discount if your vehicle is hybrid or electric

Video You May Like

FAQs

The Hartford AARP car insurance specializes in coverage for AARP members over the age of 50. While it is one of the more costly options, it does offer special policy features to aid senior lifestyles that may not be found with other insurers.

The Hartford offers car insurance across the US, but the coverage options can vary. Depending on your home state, you may be able to benefit from additional coverages to help to protect your vehicle and yourself.

However, The Hartford does offer a feature on its website to allow you to check the available coverage in your area.

If you’re an existing AARP member, you’re likely to find The Hartford a good place to get your car insurance.

While there may be cheaper coverage options out there, The Hartford AARP auto insurance policies automatically include some nice features including 12 month rate protection and lifetime car repair assurance.

Safeco offers some of the best insurance rates in the market, but it has a tendency to support younger drivers rather than seniors. Both companies offer coverage throughout the US, operating in all 50 states with a variety of discounts.

So, the question of whether The Hartford AARP is better than Safeco will depend on your profile and circumstances. If you’re a younger driver or have a classic car, Safeco is likely to be the better choice. However, if you’re an existing member of the AARP, you are likely to find The Hartford offers a better deal. Read our Safeco review.

Unlike The Hartford AARP, Nationwide only actually operates in 46 states. However, Nationwide insurance does offer a great variety of coverage and customer benefits. This allows you to tailor your coverage to suit your needs and Nationwide provides annual policy check ups to ensure you continue to have adequate coverage.

The Hartford AARP is more of a specialist insurer, offering coverage for members, with exclusive benefits such as lifetime car repair assurance that are tailored towards the over 50s.

So, unless you are under 50 and have concerns about your coverage level, The Hartford AARP is likely to be a better choice.

Find Alternative Car Insurance Providers

State_Farm_logo
liberty-mutual logo
Progressive_logo
Best For
Customer Service
High Risk Drivers
Telematics App
Telematics App Telematics is a method of measuring your driving. It's a black box or a mobile phone app that tracks how fast you drive, how quickly you brake, and whether you're a safe driver in general. It's frequently used to assist young or inexperienced drivers in obtaining lower-cost auto insurance.
Drive Safe & Save
RightTrack & ByMile
Progressive's Snapshot program
Mobile App Rating
4.8/5 on iOS, 4.6/5 on Android
4.8/5 on iOS, 4.7/5 on Android
3.5/5 on iOS, 4.1/5 on Android
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Above Average
Below Average
Average
JD Power Rating J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Above Average
Below Average
Average

Review Auto Insurance Companies

Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings and estimate rates. 

Financial Stability: We analyzed each company based on industry benchmark ratings (summary table can be seen under “customer satisfaction” section) . Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company. 

Coverage: Which types of insurance are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2021) and overall ratio of those complaints to the industry average. 

In order to provide accurate and neutral information to our readers, our expert review team collects data from dozens of car insurance providers. Vehicles used include the 2017 Hyundai Sonata, 2017 Toyota Corolla, with annual mileage ranging from 10,000 and 20,000. We analyzed five credit tiers (excellent, good, very good, fair, and poor) and four types of people in different age groups. Lastly, we divided drivers to 4 categories based on safety history: Clean driving records, one at fault accident, one speeding violation, and one DUI.

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.