The AARP® Auto Insurance Program from The Hartford Review

Auto insurance for seniors and their families, backed by solid financial ratings

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The Hartford AARP Insurance Program

Through a partnership with the AARP, The Hartford offers auto insurance to AARP members who are 50 years of age and older. For those who qualify, The Hartford offers full-coverage car insurance, plus numerous optional coverages and benefits. The Hartford backs its policies with a solid financial foundation and provides customers and shoppers an exceptionally smooth shopping experience. 

  • Pros and Cons
  • Company Overview
Pros and Cons
  • Offers a discount for drivers of hybrid and electric vehicles

  • Sound financial rating

  • Well-ranked by customers for claims experience by J.D. Power

  • Only offers insurance to AARP members, who must be 50 or older

  • Does not offer ridesharing coverage

Company Overview
  • Official Website
  • Insurance Offered Auto, commercial auto, business, homeowners, renters, and more
  • Customer Service Available by phone (877-896-9320), Monday to Friday, 8 a.m. to 9 p.m. Eastern Time, Saturday, 8 a.m. to 6 p.m. ET.
  • Year Founded 1810

The AARP Auto Insurance Program from The Hartford Coverage

The Hartford offers a complete selection of standard auto insurance coverages, including:

  • Liability (bodily injury and property damage)
  • Personal injury protection 
  • Medical payments 
  • Uninsured and underinsured motorist 
  • Collision 
  • Comprehensive

To round out your car’s protection, The Hartford also offers:

  • Rental car reimbursement 
  • Towing and labor
  • Full glass coverage
  • Loan/lease (gap) insurance

In addition to the standard coverages above, the AARP Auto Insurance Program from The Hartford also offers the following features and benefits:

  • New car replacement coverage 
  • RecoverCare (personal services following an accident with injuries)
  • No-deductible windshield repair service
  • Legal representation for accidents
  • Accident forgiveness (must qualify)
  • Disappearing collisions deductible (must qualify)

Factors That Affect Your Cost

Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle and how you use it (personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium.

The AARP Auto Insurance Program from The Hartford Discounts

The Hartford offers a limited number of discounts to help you save some dough on your premium.

  • Driver Education discounts: Driver training, defensive driving course 
  • Loyalty discounts: Multi-policy (up to 5% on auto and up to 20% on home), paid in full
  • Safety discounts: Air bags, anti-theft devices, TrueLane telematic app
  • Other: Electric/hybrid vehicles, paid in full

The AARP Auto Insurance Program from The Hartford Availability 

The Hartford writes auto insurance policies in all states and Washington, D.C. State insurance laws vary, so some coverage features, credits, and discounts may not be available in all locations.

You must be an AARP member to purchase car insurance from The Hartford. AARP membership is open to individuals age 50 and older. However, membership comes with a free secondary membership for another adult in your household, who can enjoy many of the same benefits and discounts. 

AARP membership costs $16 per year or $12 if you auto-renew (prices subject to change). Membership entitles you to hundreds of discounts offered by hotels, insurance companies, pharmacies, rental car companies, and more. You can purchase a membership at the AARP website, or through The Hartford when you buy a car insurance policy. However, you can get a quote from The Hartford’s site without a membership number, which is ideal because it means you can compare the quote with others you’ve collected as part of your car insurance shopping process

How to Get a Car Insurance Quote from The Hartford

The Harford offers auto insurance quotes over the phone (888-546-9099), Monday to Friday, 7 a.m. to 11 p.m. ET, and Saturday to Sunday, 8 a.m. to 6 p.m. ET

You can also request a quote online. The online quote process guides you through a series of questions and takes 8 minutes or less. While not required, The Hartford gives you the option to enter your Social Security number and your car’s vehicle identification number for a more accurate quote. 

After completing the questionnaire, the system generates your quote and allows you to adjust standard coverages or add optional ones. The online quote system automatically applies discounts for which you or your automobile qualify.

How to File a Claim with The Hartford

The Hartford gives you three ways to report an auto insurance claim:

  • Call the 24/7 claims hotline at 800-243-5860
  • Log into your Hartford account online
  • Use The Hartford mobile app

Once you file, The Hartford will assign a personal representative to guide you through the claims process. The representative will collect details about the accident, and may request additional documentation, like photos. You can track the progress of your claim online, in your Hartford account, or using The Hartford mobile app.

The Hartford Customer Service

Study How The Hartford Fared
J.D. Power 2021 U.S. Auto Claims Satisfaction Study #1 out of 19
J.D. Power 2021 U.S. Auto Insurance Satisfaction Study #6 out of 11 in the Southwest region #4 out of 8 in the Florida region #9 out of 14 in the Mid-Atlantic region
J.D. Power 2021 U.S. Insurance Shopping Study #5 out of 11 in the mid-size insurer category
J.D. Power 2021 U.S. Digital Experience Study #4 out of 19 for digital service  #12 out of 22 for digital shopping

Overall Satisfaction 

In J.D. Power’s 2021 U.S. Auto Insurance Satisfaction Study, The Hartford was ranked in three out of 11 U.S. regions. The Hartford earned an average of 832 out of 1,000 overall customer satisfaction index points, lower than the national average of 835.

Auto Claims 

In J.D Power’s 2021 U.S. Auto Claims Satisfaction Study, The Hartford ranked #1, earning 905 out of 1,000 overall customer satisfaction index points. 

Digital Service and Shopping Experience 

In the J.D. Power 2021 U.S. Insurance Digital Experience Study, The Hartford ranked #4 out of 19 in the service category and #12 out of 22 in the shopping category, which indicates that policyholders were happy with the digital tools, but found the online shopping experience frustrating. Yet The Hartford ranked #5 in the mid-size insurers category in the J.D, Power 2021 U.S. Insurance Shopping Study. 

However, we were impressed with The Hartford’s smooth-as-silk online quote system, which gives shoppers the option to adjust coverages, add optional coverages, and buy a policy. The Hartford also offers a mobile app, available for Android and Apple users. The app features fingerprint login and a digital insurance ID card and enables users to file a claim, pay bills, and request roadside assistance.

Financial Stability 

When shopping for car insurance, it’s important to choose a provider that has the financial backing to meet its claims obligations. AM Best, an insurance industry leader in financial analysis, gives The Hartford an A+ (Superior) rating, which means the carrier has an excellent ability to pay its claims. 

Other Insurance Provided by The Hartford

The Hartford offers a selection of insurance products that meet the needs of active AARP members, including these coverages: 

  • ATV
  • Snowmobile
  • Golf cart
  • Homeowners, renters, condo, and other property insurance

Compare Other Car Insurance Reviews

If you don’t qualify for The Hartford car insurance, or you feel that it’s just not the best fit for you, consider one of these great insurers.

Final Verdict
  • The Hartford offers affordable auto insurance for AARP members and qualified members of their households.
  • Active seniors and retirees can turn to The Hartford for a wide range of insurance needs, to cover a home or condo, golf carts, and more.
  • The Hartford’s digital tools make it easy to get a quote, file a claim, pay your premium, or request roadside assistance.


The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds." Accessed Sep. 11, 2021.

  2. J.D. Power. “Auto Insurance Claim Satisfaction Rises on Combination of Soaring Vehicle Values and Growth of Straight-Through-Processing Claims Management, J.D. Power Finds." Accessed Sep. 11, 2021.

  3. J.D. Power. " Property & Casualty Insurers Stuck at Providing Only “Good Enough” Digital User Experience, J.D. Power Finds." Accessed Sep. 11, 2021.

  4. J.D. Power. "Auto Insurance Shopping Surged during Pandemic in 2020 but Little Brand Differentiation Apparent, J.D. Power Finds." Accessed Sep. 11, 2021.

  5. AM Best. "AM Best Affirms Credit Ratings of The Hartford Financial Services Group, Inc. and Subsidiaries." Accessed Sep. 11, 2021.