With its comprehensive coverage and attractive benefits, AARP is a reputable auto insurance company. AARP offers below average premiums and has high levels of customer satisfaction.
If you are a member of the American Association of Retired Persons (AARP) or are considering joining, you can purchase auto insurance through AARP, backed by The Hartford. AARP’s auto insurance reviews suggest membership is worth the investment for senior drivers looking for low-cost auto insurance.
To help you make the best decision, this review takes a closer look at AARP auto insurance by diving into coverage, strengths and weaknesses, the claims process, and AARP insurance reviews from real customers. Ultimately, we’ll compare AARP auto insurance to some of the best auto insurance companies in the industry.
Anyone shopping for auto insurance should get quotes from multiple providers to compare coverage and rates. In addition to the insurance company you choose, factors such as your age, the type of car you drive, and the driving history of the people listed on your policy can affect your insurance premium. you.
AARP Insurance Overview
Founded in 1958, AARP strives to meet the needs and interests of middle-aged and older people across the country. Membership is open to people aged 50 and over, whether currently working or retired.
AARP auto insurance through The Hartford is available in all states and has great rates for members. The BBB gives The Hartford an A+ rating for sound business practices.
AARP reviews praise benefits like Accident Forgiveness and RecoverCare. Twelve-month premiums can protect against rate increases over the course of a year, and AARP members enjoy impressive discounts. The Hartford also offers a free app compatible with iPhone and Android devices that allows customers to access their home, life or auto insurance policies at any time.
In addition to Hartford insurance, AARP members can obtain health and pet insurance from other AARP partner insurers.
AARP Insurance Coverage Options
AARP auto insurance is provided by The Hartford. With any policy, you can get standard types of car insurance, including:
Depending on the plan you choose, you also have access to the following protections and benefits:
Many of these benefits are unusual for an insurance package. A disappearing deductible and accident forgiveness insurance can be valuable additions to an AARP auto insurance policy. A disappearing deductible can make your car insurance affordable when it comes time to file a claim. For every year you maintain a good driving record, your car insurance deductible will decrease.
The Hartford also offers a franchise waiver. If added to your policy, the provider will waive your collision deductible for most accidents in which you are not at fault. However, this is not available in all states, so inquire about this coverage if it is important to you.
All of The Hartford’s AARP auto insurance plans also include the following:
AARP Auto Insurance Cost and Discounts
The cost of AARP auto insurance through The Hartford depends on many factors, such as:
- Where you live
- The year, make and model of the insured car
- The age and driving history of all drivers in your policy
Fortunately, older drivers are eligible for savings on The Hartford car insurance coverage because they have more experience. You can take advantage of the following discounts:
- Bulk discount (up to 5% on car insurance and up to 20% on home, renters or condominium insurance)
- Discount on full payment
- Discount for having locks on your car
- Discount for taking a defensive driving course
AARP Auto Insurance Reviews
As with any type of insurance, there are positive and negative reviews for AARP.
Positive AARP auto insurance reviews highlight overall good experiences and discount opportunities.
“I have nothing but wonderful things to say about AARP. Every experience I’ve had with them has been exceptional.
– Deborah L. via BBB
“Good service. Good information. Good discounts.
– Joan O. via BBB
On the other hand, many complaints refer to unsolicited mail and poor customer service. Some customers have reported issues with their claims process.
“I emailed AARP with a question about a particular element of their rewards program. The response I received was generic information about their rewards program – not an answer to my question. I responded saying their “customer service” was horrible, and again got a generic email in response. I will NOT be renewing my membership.
– Sandy Y. via BBB
“I just read an article about AARP and their ridiculous mailings to members. I thought I was the only one with so many. This company is horrible. I asked them to remove my name from their mailing lists SO MUCH times. I find all their advertisements to be misleading. Especially for their secondary insurances.
– Cathy C. via BBB
It’s important to remember that all products and services are susceptible to bad reviews, and this is especially true for insurance companies. For the most part, people interact with their insurance companies primarily during times of stress or when paying bills, so it’s no surprise that this results in more bad reviews.
AARP Car Insurance Rating: 4.1 Stars
We rated AARP auto insurance 4.1 out of 5.0 stars. Positive auto insurance reviews from AARP indicate that The Hartford’s comprehensive auto insurance coverage is priced well below the industry average. AARP is trustworthy and many customers are extremely satisfied with the service they receive.
While we believe AARP offers a quality insurance product, it’s always a good idea to look into other coverage options to see if you can get a better deal. Enter your postal code below or call our team at (844) 246-8209 for free, personalized quotes.
Top Auto Insurance Recommendations
AARP isn’t the only solid option in the auto insurance market. Below, we’ve listed a few other providers known to have competitive rates and excellent coverage plans.
State Farm is the largest auto insurance provider in the United States and has about 16% market share, according to the NAIC. We rated the provider 4.7 stars out of 5.0 and named it the #1 choice in car insurance for students.
State Farm is well known for its reasonable rates and prompt payouts for claims. There are plenty of discount opportunities for drivers of all ages, including a safe driver discount and bundled discounts. Learn more about coverage in our comprehensive State Farm auto insurance review.
Geico is the nation’s second-largest auto insurance provider with nearly 14% market share, according to the National Association of Insurance Commissioners (NAIC). The company also has an A++ financial strength rating from AM Best.
The insurer is an excellent choice for motorists who prefer to manage their claims online, thanks to a state-of-the-art website and mobile application. Drivers who prefer in-person interactions can still find a local Geico agent in many states. Read our Geico car insurance review to learn more.
USAA auto insurance is a perfect match for The Hartford’s AARP member discount rates. However, the provider is only available to military service personnel, veterans and their families. If you qualify, you’ll likely benefit from affordable rates and some of the best coverage in the insurance industry.
To find out what types of coverage you can get with USAA, read our in-depth review of USAA auto insurance.
Progressive is another reputable auto insurance provider that we highly recommend for high-risk drivers in particular. Progressive is a technology-driven insurance provider, and it even offers discounts to motorists who sign their policies online. There are also several other benefits, such as discounts for insuring multiple cars and a discount for bundling home and auto insurance.
Find out why we think the provider is the best option for high-risk drivers in our Tiered Car Insurance review.
In an effort to provide accurate and unbiased information to consumers, our team of experts collects data from dozens of car insurance providers to compile rankings of the best insurers. Companies receive a score in each of the following categories, along with an overall weighted score of 5.0 stars.
- Industry ranking: Insurers with strong financial ratings and customer-focused business practices receive the highest scores in this category.
- Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
- Cover: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
- Cost and discounts: Our research team reviews sample quotes for a variety of drivers in each state. Companies with lower prices and many auto insurance discount opportunities receive the highest scores.
- Customer service: We look at customer reviews and consumer feedback studies from experts like JD Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.