Car Insurance

Great rates and rewards on car insurance from The Hartford.

Switch your car insurance to the AARP® Auto Insurance Program from The Hartford1 and save. Enjoy great rates that recognize your experience and the extra benefits you deserve as an AARP member. You may even be eligible for additional savings. To learn more about the added automobile insurance savings and benefits for which you are eligible, get a quote. It’s easy!

Lifetime Renewability

Once you have an auto insurance policy with The Hartford, your coverage will be renewed for as long as you’re able to drive. Just meet a few simple requirements such as maintaining a valid driver's license and paying your premiums.

12-Month Rate Protection

You can relax knowing your low auto insurance premium is locked-in for a full year. This sets us apart from other insurers who may change rates every six months or even sooner.

RecoverCare – Assistance After an Accident

The Hartford is here for you if you're injured in an automobile accident. This coverage provides reimbursement for essential home services you cannot perform yourself, such as house cleaning, lawn maintenance, and even dog walking. This coverage applies when injuries are not already covered by Medicare or health insurance.§

New Car Replacement Coverage

If you total your new car within the first 15 months (12 months in NC) or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.§§

Lifetime Car Repair Assurance

Use one of the 1,600+ authorized repair shops in our approved network, and we’ll stand behind the workmanship of covered repairs for as long as you own or lease your vehicle. With this great coverage, you won’t have to go through the hassle of finding a trusted repair service after an accident.

24/7 Claims Hotline

Accidents can happen any time of day or night and you deserve an automobile insurance company that can respond immediately no matter what time you call. You can reach our claims reporting service 24/7, and we’ll walk you through the car insurance claims process. Our 6-Point Claim Commitment is your assurance of getting prompt, caring service from the start of your claim to the end.

Enjoy even more car insurance protection.


In addition to the features and benefits mentioned above, the Advantage PLUS package includes:

First Accident Forgiveness

Everyone makes mistakes once in a while. Once you qualify, if you’re involved in an accident, that first accident will be forgiven and your premium won’t increase as a result. To qualify, all drivers on the policy must have a clean driving record for five consecutive years.

Disappearing Deductible

We believe in rewarding great drivers. With our disappearing deductible, your collision deductible on your car insurance policy will go down each year – all the way to $0 – as long as you maintain a clean driving record.

One Deductible

If you file a claim for a loss involving two of your vehicles that are covered by a car insurance policy with The Hartford, you'll pay only one deductible – whichever is higher – for the covered losses to the vehicles. This benefit also applies if your car and home are involved in the same covered loss and you carry homeowners insurance with The Hartford. You'll pay only the highest deductible.

Waiver of Deductible for a Not-At-Fault Accident

In most cases, if you are not at fault in an accident, The Hartford will waive your deductible.

$100 Deductible Reduction

Typically, even if you’re not at fault, you may have to pay out of pocket for repair costs that fall below the deductible amount of your car insurance policy. With The Hartford, you can have your car repaired at any shop you choose. However, when you elect to use a Hartford-authorized shop for vehicle repair, we’ll reduce your collision deductible by $100. Not available in all states.
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, NC and TX.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Limitations apply.
Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. [Call for details.] To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY 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 option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.

Additional disclosures below.

Tailor your car insurance at a rate you can afford.

With the AARP® Auto Insurance Program from The Hartford, you don’t have to sacrifice to save. You can tailor your car insurance coverage to suit your needs at a rate you can afford.
A cracked windshield. A dented fender. Injuries that require medical care. Accidents can be costly. Feel confident behind the wheel knowing you have the car insurance coverage you need. Here’s how our coverages help protect you:

Collision Coverage

Helps pay for damage done to your car in the event of a collision – whether it’s with another vehicle or an object. For example, if you back into a tree and damage your car, this coverage could help pay the repair fees.

Non-Collision Damage

Also known as “comprehensive,” this car insurance coverage helps pay for “non-collision” damage to your car resulting from things like natural disasters, theft and vandalism. For example, if you park your car under a tree during a snowstorm and heavy snow takes down a branch and breaks your windshield, non-collision damage insurance could help pay the cost to repair the damage to your car.

Car Insurance Medical Payments

Helps cover medical care, recovery, rehab, and remedial care for you and your family after an auto accident.

Auto Policy Bodily Injury Liability

This coverage can protect you against financial loss and helps pay the legal costs in the event you cause an auto accident injuring another person. For example, if you accidentally run a red light, or spin out in the snow and end up injuring another person, this coverage could help cover the costs of those injuries.

Property Damage Liability

Pays for damage your vehicle causes to other people's property (e.g. fences, mailboxes, other vehicles). For example, if your car slides out in the rain and you take out a neighbor’s mailbox or damage their landscaping, this insurance could help pay for the damages.

Uninsured-Underinsured Motorist Bodily Injury

Pays bodily injury and death expenses for you and your passengers if you're hit by an uninsured or underinsured driver.

Uninsured-Underinsured Motorist Property Damage

Helps pay for damage to your vehicle if your vehicle is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is too low to cover the losses, this coverage helps pay for the damage.

Personal Injury Protection a.k.a. “No-Fault Insurance”

Pays for losses tied only to injuries – regardless of who caused the accident. This can be especially helpful after an accident that involves multiple cars. Not available in all states.

Glass Coverage

Full glass coverage pays the amount of a covered glass loss with no deductible. For example, let’s say your car gets broken into overnight and a window is smashed. The estimate to repair it comes in at $600. If you have comprehensive automobile insurance but not auto glass coverage, you will have to pay your deductible before insurance begins to cover the cost to repair the windshield.
If you have full glass coverage, the expense of repairing the window is covered in full with no out-of-pocket costs to you. This coverage is optional on your auto insurance policy and can be purchased for an additional premium. Not available in all states.

Towing Coverage

This coverage helps pay towing and labor charges associated with getting your vehicle running again in the event of a break down. For example, if your car battery dies on the interstate, this coverage could help pay for the costs of having your vehicle jumped started.

Rental Car Expense

Transportation Expense coverage helps to pay for a rental car in the event of a covered comprehensive or collision loss. For example, you slide off a wet road crashing into a tree, this coverage could help pay for the charges to rent a replacement vehicle while yours is in the shop for repairs.

Personal Umbrella Insurance

Umbrella coverage goes beyond accidents and damages and helps when a covered loss exceeds the liability coverage limits of your home or auto policies. For example, if you are sued and the legal costs exceed the limits of your primary coverage, umbrella coverage can help cover the excess costs.

We help make great car insurance more affordable.

Ways to Save on Car Insurance

Want to lower your car insurance premium? Let us help you get all the savings you deserve with the AARP® Auto Insurance Program from The Hartford. To learn more, get a quote.

Bundle Insurance Savings

Cover your car and home with AARP® Auto and Home Insurance from The Hartford and save on both. Save up to 5% on auto insurance and 20% on home/condo/renters insurance by bundling them with us.


Obtain an additional discount when you select to pay your bill in full.

Anti-Theft Device

Save money on comprehensive automobile insurance coverage if your car has active or passive anti-theft devices, with savings for features like alarms and tracking devices.

Air Bags

Take advantage of additional savings and save money if your car has automatic air bags. Save more on your AARP auto insurance policy if it’s equipped with more than one airbag.

Defensive Driver Course

Enjoy a discount for the next 3 years when you complete an approved defensive driver course. Just send us a copy of your certificate and we’ll apply the credit to your car insurance premium.

Vehicle Fuel Type

Receive an additional auto insurance discount on your hybrid or electric vehicles.​​​

Driver Training

Get a credit on your premium for drivers under 21 years old (under 25 in Georgia) who successfully complete an approved training course.

Good Student

Receive a car insurance credit* for any driver between 16 to 25 years old who is a full-time student in high school or at a college, university or vocational technical school and achieves one of the following:
  • Is in the upper 20% of his/her class scholastically
  • Maintains a B average or equivalent
  • Maintains at least a 3.0 grade point average (out of 4.0)
  • Makes the Dean’s List, Honor Roll or comparable list
Simply provide proof of eligibility (such as a report card) when you renew your car insurance policy to show that the student met the requirements during the most recently completed semester. It’s that easy!
* The owner or operator is at least 16 years of age and a full-time student in: high school, or college or university, or vocational technical school. A certified statement from a school official is presented to the company on each anniversary date indicating that the student has met one of the following requirements during the immediately preceding school semester: is in the upper 20% of his/her class scholastically or maintains a “B” average or its equivalent. If the letter grading system cannot be averaged then no grade can be below “B,” or student must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent, or student is included in a “Dean’s List,” “Honor Roll” or comparable list indicating scholastic achievement.
Additional disclosures below.

Filing a claim with The Hartford is easy.

If you need to make a claim, it is nice to know that with the AARP® Auto Insurance from The Hartford, you have someone working for you to make the process as easy and stress-free as possible. Customers consistently give us high ratings for their claims experience. Here’s how we help you:

Reporting A Claim

After an accident, you can always reach The Hartford by phone or online. Our representatives are available to assist with your claim 24/7. Once you’ve reported your claim, they’ll start working to resolve it as quickly and smoothly as possible.

Describing the Accident

After you report the accident, a professional claims representative will be assigned to help you throughout your claim experience. Your rep will help document details of the incident and may ask you about injuries, witnesses and damage to the vehicle or other property. Your claims rep will also make sure we are able to reach you directly by phone in case further communication is necessary.

Tracking Your Claim

We’re here to help and want to make the claims process easy for you. With AARP® Auto Insurance Program from The Hartford, if you ever have questions or want to know what to expect next, you can contact your claims representative anytime. Likewise, you can check on the status of your claim online anytime.

Services to get you back on the road.

Auto Repair Network

Use one of our preferred repair shops and we’ll back their workmanship for as long as you own or lease your vehicle.

Glass Coverage

Our auto glass program works with more than 12,000 glass installers. One call is all it takes. Repairs can usually be performed at your home or office.

Rental Car Services

If you need a rental car after an auto accident, The Hartford can help arrange one for you at the time you report your claim.
We’re here to help you any time day or night with our 24/7, 365 days a year roadside assistance at 1-800-322-7789.


Wondering how the AARP® Auto Insurance Program from The Hartford stacks up? Check out these AARP Auto customer claims reviews.
About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.