Auto Insurance Coverage: Understanding Aarp's Comprehensive Policy Benefits

AARP auto insurance is offered exclusively to AARP members through The Hartford. The insurance covers 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 approximately $111 per month. Members can save up to 10% on their premium and receive additional discounts for bundling home and auto policies, paying in full, and taking defensive driving courses. The insurance covers liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments. It also offers accident forgiveness, new car replacement, and gap insurance.

Liability insurance

AARP auto insurance policies include two types of liability coverage to protect you if you're at fault in a car accident.

Bodily Injury Liability Insurance

This covers the medical expenses of the other driver and their passengers if you cause an accident.

Property Damage Liability Insurance

This covers the cost of damage to property that doesn't belong to you, such as someone else's car or house.

In addition to these standard offerings, AARP auto insurance also provides uninsured/underinsured motorist coverage. This covers you in the event of an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover the damages. In some states, this also covers hit-and-runs.

Comprehensive insurance

In addition to the standard comprehensive insurance coverage, AARP offers additional benefits such as emergency roadside assistance and towing insurance coverage. The emergency roadside assistance program provides 24/7 coverage if you're stranded and need assistance. This includes services like towing, jump-starts, tire changes, and lockout assistance. On the other hand, towing insurance coverage will tow your vehicle to the nearest repair shop if it is inoperable, even if there hasn't been a collision.

Collision insurance

When choosing collision insurance, you can select a deductible amount that works for you. A higher deductible means lower monthly premiums, while a lower deductible may be preferable if you want to minimize out-of-pocket expenses in the event of a claim.

The AARP Auto Insurance Program from The Hartford offers collision insurance as part of its customized car insurance coverage. This program is exclusively available to AARP members aged 50 and above, providing them with various discounts and benefits. The average cost of AARP auto insurance is $1,332 per year, or about $111 per month.

Uninsured/underinsured motorist insurance

Uninsured motorist coverage, known as UM or UMBI, covers medical expenses for you and your passengers if you are in an accident caused by a driver without insurance, a hit-and-run driver, or a driver whose insurance company denies coverage or goes out of business. It can also cover lost wages and pain and suffering compensation. In some states, you can also purchase uninsured motorist property damage (UMPD) coverage, which covers damage to your car if it is hit by an uninsured driver.

Underinsured motorist coverage, or UIM, is similar but separate coverage that pays for medical bills and other expenses if you are in an accident caused by a driver whose insurance is insufficient. This coverage is sometimes packaged with UM coverage.

The cost of uninsured motorist coverage varies but averages $136 per year. It is important to note that you cannot purchase this coverage on its own; it must be added to a basic auto insurance liability policy.

Accident forgiveness

If you're involved in an accident and are at fault, your car insurance premium will likely increase if you don't have first accident forgiveness coverage. The total rate increase can vary based on the severity of the accident and your previous driving history.

Frequently asked questions