Orlando Harmon
AARP auto insurance is provided through The Hartford and is available to members of AARP and their families. The insurance is designed for drivers over the age of 50 and offers a range of benefits and discounts. The average cost of AARP auto insurance is $1,332 per year, or around $111 per month. AARP members can save up to 10% on their car insurance by simply being a member. The Hartford has received strong ratings from J.D. Power for its customer service and claims satisfaction.
| Characteristics | Values |
|---|---|
| Average Annual Cost | $1,332 |
| Average Monthly Cost | $111 |
| Provider | The Hartford |
| Membership Requirement | Yes |
| Minimum Age | 50 |
| Discounts | Yes |
| Discount Types | Online quote, bundling, paid-in-full, safe driving, safety features, vehicle fuel type, driver training, defensive driving |
| Coverage Options | Bodily injury liability, property damage liability, uninsured/underinsured motorist, comprehensive, collision, medical payments, personal injury protection, towing, full glass, new car replacement, accident forgiveness, disappearing deductible, lifetime car repair |
| Add-ons | TrueLane, towing and roadside assistance, emergency roadside assistance, rental car expense |
| J.D. Power Claims Satisfaction Rating | Excellent |
| J.D. Power Customer Satisfaction Rating | Above average |
| AM Best Financial Strength Rating | Excellent |
| NAIC Rating | About average |
| BBB Rating | 1.1/5.0 |
What You'll Learn
Discounts for bundling home and auto coverage
AARP members can save money by bundling their home and auto insurance policies with The Hartford. The exact amount saved depends on the state and the member's tenure, but it can be as much as $627. Members can save up to 5% on auto insurance and up to 20% on home insurance.
Bundling insurance policies can also make them easier to manage, as you only have to deal with one insurance company. The Hartford also offers a renters and auto insurance bundle, and a condo and auto insurance bundle.
AARP members can also save money on their insurance by paying their bill in full instead of making monthly payments, driving a hybrid or electric vehicle, completing an approved defensive driving course, and having both a home burglar system and a sprinkler system.
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Discounts for quoting online
AARP members can enjoy a range of benefits and savings on their auto insurance, including discounts for quoting online. The AARP Auto Insurance Program from The Hartford offers a simple and quick online quoting process, with a quote available in eight minutes or less.
To get a quote, members simply need to enter their zip code and answer a few questions, and they can even save money on their policy with a discount for getting their quote online. This is available in most states, and members can also choose to get a quote over the phone or through a car insurance agent.
The AARP Auto Insurance Program from The Hartford also offers a range of other ways to save money on car insurance, including:
- Driving safely: Signing up for the TrueLane program can offer an immediate discount of up to 12% for participating, and up to a 25% discount when renewing based on driving habits.
- Bundling insurance: Discounts are available for customers who bundle their home and auto coverages.
- Paying in full: Discounts may be available for customers who pay their premium in full.
- Taking a defensive driving course: Completing an approved program can lead to savings on auto insurance.
- Being environmentally friendly: Driving a hybrid or electric vehicle may result in a discount.
- Completing driver training: Discounted insurance may be available for teens who pass an approved driver training class.
In addition to these savings, AARP members can also access exclusive benefits and savings, such as up to 10% off their car insurance with The Hartford.
Overall, AARP members have numerous opportunities to save on their auto insurance, including taking advantage of the convenience of quoting online.
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Discounts for driving safely
AARP members can save money on their car insurance by signing up for the TrueLane Program, which offers a discount of up to 12% for signing up and up to 40% for renewal, depending on driving habits. Safe driving habits include avoiding harsh braking, rapid acceleration, and late-night driving.
Safe drivers under 21 years old (under 25 in Georgia) can also get a discount on their car insurance rate by completing an approved training course. This discount lasts three years.
Completing an approved defensive driving course can also result in a discount on your car insurance for the next three years.
In addition, AARP members can save money by bundling their car and home coverage, car and renters insurance, or condo and auto insurance with the AARP Auto and Home Insurance Program from The Hartford.
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Discounts for paying in full
AARP auto insurance is provided through The Hartford, and offers a range of discounts and benefits to its members. One of the key ways to save money on your AARP auto insurance is to pay your bill in full, rather than in monthly instalments. By doing so, you will be eligible for extra discounts on your premium.
The exact amount you can save by paying in full is not specified, but AARP members can already save up to 10% on their premium simply by being a member. Members can also save money by requesting a quote online, or by bundling their auto and home policies. The average savings for AARP members is $577 per year.
In addition to these savings, AARP auto insurance offers a range of other discounts and benefits, including:
- Accident Forgiveness
- Disappearing Deductible
- TrueLane Program, which offers a 5% discount for signing up, and up to 12% for safe driving
- First accident forgiveness
- Discounts for completing a defensive driving course
- Lifetime renewability, even after accidents or traffic convictions
- 12-month rate protection, meaning prices are reviewed every 12 months, rather than every 6
- Replacement cost refunds for new vehicles totalled within the first 15 months or 15,000 miles
- Up to $2,500 of insured costs for transportation, cooking, cleaning, and other help needed after an accident
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Discounts for completing a defensive driving course
Defensive driving courses are a great way to improve your driving skills and safety on the road. Completing a defensive driving course can also help you save on your auto insurance premium. Many insurance companies, including GEICO, offer discounts to drivers who take defensive driving classes. The discount amount typically ranges from 5% to 20% off your car insurance premium.
The AARP Smart Driver course is one such defensive driving course that can help you avail discounts on your auto insurance. The course is available online as well as in a classroom setting. It teaches proven driving techniques to help keep you and your loved ones safe on the road. The course covers various topics, including:
- Important facts about the effects of medication on driving
- How to reduce driver distractions
- How to maintain proper following distance behind another car
- Proper use of safety belts, airbags, anti-lock brakes, and new technology found in cars today
- Techniques for handling left turns, right-of-way, and roundabouts
- Age-related physical changes and how to adjust your driving accordingly
The AARP Smart Driver course is approved in several states, including Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia, Wyoming, and the District of Columbia.
In some states, the discounts are mandatory, so insurance companies must offer discounts to those who complete a classroom-based, state-approved driver-improvement course. However, it is important to note that eligibility for the defensive driver discount varies by state law and insurance company. The discount may also depend on factors such as age, driving record, and other criteria. Therefore, it is recommended to check with your insurance agent or company to see what discounts are available to you.
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Frequently asked questions
The average cost of AARP auto insurance is $1,332 per year or about $111 per month. This is based on a 12-month policy and five random representative ZIP codes across the U.S.
The cost of AARP auto insurance is influenced by various factors, including age, driving record, location, and vehicle type. Young drivers or those with a history of accidents or violations may pay more.
AARP auto insurance offers several discounts, including bundling home and auto coverage, paying in full, getting a quote online, safe driving, and vehicle fuel type. Members can also save up to 10% on their premium just for being an AARP member.
