Auto Insurance

The Hartford

Save with the AARP® Auto Insurance Program from The Hartford

Whatever your needs and budget, you deserve to drive feeling confident that you are covered. The AARP® Auto Insurance Program from The Hartford1 provides you with important features and benefits you might not find other places. And with The Hartford,your experience pays off.

  • Lifetime Renewability: Once you have a car insurance policy, we promise to renew it for as long as you’re able to drive and meet a few simple requirements—even if you’ve had traffic convictions or accidents.
  • 12-Month Rate Protection: You can relax knowing your low premium is locked-in for a full year.
  • RecoverCare: Get up to $2,500 to pay for transportation,cooking,cleaning and other help you may need if you’re injured in a car accident.
  • New Car Replacement: If you total your new car within the first 15 months 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.
  • Towing & Labor: If you break down, this optional coverage pays – up to your policy limit -- for emergency roadside assistance you may need to get back on the road, or be towed to a repair shop. (Requires that you also have Comprehensive coverage.)
You can choose to add an optional package of benefits that includes:
  • First Accident Forgiveness: Your rates won’t go up just because you have an accident, and it won’t count against you.
  • Disappearing Deductible: Your collision deductible 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 insured by The Hartford, you'll pay only one deductible – whichever is higher – for the covered losses to the vehicles.

Let The Hartford help make great insurance more affordable for you.

Want to lower your auto insurance premium ? Then watch your savings add up with discounts from The Hartford. We’ll help make sure you get all the discounts you deserve.

  • Bundle Discount: Save up to 5% on auto insurance and 20% on home/condo/renters insurance
  • Multiple Car Discount: Save up to 3%  when you cover more than one private passenger car
  • Defensive Driver Discount: Save up to 5% for the next 3 years when you complete an approved defensive driver course
  • Additional discounts for having active or passive anti-theft devices, automatic air bags, and more.
The Hartford makes it easy

If you need to make an auto insurance claim, it’s nice to know you have someone working for you to make the process as easy and stress-free as possible. You can reach The Hartford claims reporting service 24/7 and we’ll walk you through the claims process, from beginning to end. Customers consistently give The Hartford superior ratings for their claims experience.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays a royalty fee to AARP for the use of AARP's intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states

Rate differences for AARP members and non-members vary by state and AARP membership tenure.  

*Savings amounts are averages based on information from The Hartford's AARP Auto Insurance Program customers who became new auto insurance policyholders between 1/1/17 and 12/31/17 and provided data regarding their savings and prior carrier. Your savings may vary.

**Automobile/Homeowners discount is available only to policy holders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.  The homeowners product is not available in all areas, including the state of Florida.

† 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 (not applicable in MA), 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 and NC.

§ Availability of Recover Care benefit and benefit levels vary by state.  The Hartford RecoverCareAdvantage® is a registered mark of The Hartford.

§§ Limitations apply

‡ Some benefits, including First Accident Forgiveness and the Disappearing Deductible, are only available with the optional 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 record (no accidents or violations) for five consecutive years. First Accident Forgiveness is not available to CA policyholders. To qualify for the Disappearing Deductible benefit in most states, all drivers on the policy must have a clean record for three consecutive years.  The Disappearing Deductible benefit is not available to CA policyholders. 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.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. Auto is currently unavailable in Canada and U.S. Territories or possessions.  Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. 

¹ In Texas, the Program is underwritten by Southern County Mutual Insurance Company, through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company.