AARP car insurance, provided by The Hartford, is specifically designed for AARP members. Those eligible for AARP car insurance can access comprehensive coverage choices and savings. Considering AARP car insurance might be beneficial if additional accident coverage is a priority for you, although it’s important to note that The Hartford has a higher complaint rate than average. AARP scored 55 out of 100 in MoneyGeek’s auto insurance ratings. High financial stability but lackluster satisfaction, affordability, complaints and discounts impacted its score. It has expensive policies and unique add-ons.
AARP Car Insurance Review 2024
When it comes to car insurance, AARP is a well-known and trusted provider. In this AARP car insurance review for 2024, we will take an in-depth look at the coverage options, customer service, and pricing offered by AARP. With their extensive experience in the insurance industry and their commitment to serving older adults, AARP is a popular choice for those looking for reliable car insurance. Whether you’re a safe driver or have a few accidents on your record, AARP offers a variety of coverage options to meet your needs. Stay tuned to learn more about the benefits of choosing AARP car insurance in 2024.
Pros & Cons
AARP car insurance offers a range of benefits and advantages for members. One of the main pros of AARP car insurance is the potential for discounted rates. Members can take advantage of special discounts and savings on their premiums, helping to make car insurance more affordable. Additionally, AARP offers a variety of coverage options, allowing individuals to customize their policies to meet their specific needs. The company also provides excellent customer service, with knowledgeable representatives who can assist with any questions or concerns. Overall, AARP car insurance is a solid option for older adults looking for reliable coverage at competitive rates.
- Offers new car replacement, accident forgiveness and a disappearing deductible.
- Offers usage-based car insurance, which allows safe drivers to qualify for a discount by having their driving monitored.
- Offers up to $2,500 to pay for household services if you’re injured in a car accident.
- Offers discounts for hybrid and electric vehicles.
- Must be an AARP member.
- Drivers under age 50 can’t qualify for AARP coverage.
- Higher than average level of complaints filed with state insurance departments about car insurance.
- If you want pay-per-mile car insurance, you’ll have to look elsewhere.
About AARP Car Insurance
The AARP Car Insurance Program is provided by The Hartford. Since 1984, The Hartford has been offering car insurance specifically to AARP members aged 50 and above. The Hartford holds an A+ financial strength rating from AM Best. AARP Car Insurance has been providing reliable coverage for drivers since its inception. With a focus on meeting the needs of mature drivers, AARP Car Insurance offers a range of benefits and discounts that make it an attractive option for many.
In our 2024 review, we found that AARP Car Insurance continues to deliver competitive rates and excellent customer service. From their accident forgiveness program to their roadside assistance coverage, AARP Car Insurance goes above and beyond to ensure that their policyholders have peace of mind on the road. Whether you are a long-time member or new to AARP, their car insurance offerings are definitely worth considering.
AARP Car Insurance
AARP Car Insurance is a program designed specifically for drivers aged 50 and older. It offers a range of benefits, including discounts on premiums, accident forgiveness, and roadside assistance. AARP Car Insurance is provided by The Hartford, a leading insurance company known for its exceptional customer service and coverage options. With AARP Car Insurance, drivers can have peace of mind knowing that they are protected on the road.
Liability Car Insurance
Liability insurance covers the cost of others’ injuries and property damage in the event of an accident that you cause. It also provides coverage for legal defense, settlements, and judgments if you are sued, up to the limit of your policy. While most states have minimum liability insurance requirements, you have the option to purchase additional coverage.
Comprehensive insurance provides coverage for replacing or repairing your vehicle in the event of total loss or damage caused by circumstances such as fire, floods, extreme weather, theft, vandalism, falling objects, and animal collisions. The maximum compensation for comprehensive insurance is the current cash value of your vehicle in the case of total loss, minus the deductible.
Collision insurance covers the cost of repairing or replacing your vehicle if it collides with an object, like another vehicle or a building. The maximum amount paid for collision insurance is the car’s value if it’s declared a total loss, minus the deductible. Collision and comprehensive insurance are typically sold as optional coverage types that may be required by your leasing company or lender if you have a lease or loan.
Uninsured/Underinsured Motorist Insurance
Uninsured/underinsured motorist insurance provides coverage for medical expenses in the event of an accident with a driver who lacks insurance or adequate coverage to fully compensate for your losses. This coverage also applies to family members and passengers in your vehicle at the time of the accident. While mandatory in certain states, uninsured/underinsured motorist insurance is optional in others.
Personal Injury Protection (PIP)
In no-fault states, PIP insurance is usually mandatory, while in other states, it is optional. It covers your medical costs following an accident, regardless of who was at fault.
Medical Payments Insurance
Medical payments (MedPay) coverage provides compensation for medical bills in the event of injury to you, a family member, or a passenger in your vehicle due to a collision. This can include expenses for ambulance transportation, emergency room treatment, hospital stays, surgical procedures, X-rays, and rehabilitation, up to the specified policy limit.
Cost of AARP Car Insurance
AARP auto insurance costs vary depending on location and other factors. Forbes Advisor’s analysis shows that AARP’s average auto insurance costs are higher than other insurers in Arizona, but lower for drivers aged 60, 70, and 80 in California compared to competitors.
AARP Car Insurance Rates vs. Competitors
|AARP car insurance cost per year in Arizona
|Average cost per year for other insurers in Arizona
|AARP car insurance cost per year in California
|Average cost per year for other insurers in California
|Female age 60
|Female age 70
|Female age 80
|Male age 60
|Male age 70
|Male age 80
AARP rates are for The Hartford or its subsidiaries for good drivers with good credit who have an AARP membership. Rates reflect coverage of 100/300/100 ($100,000 for injuries for one person, $300,000 for injuries per accident, $300,000 for property damage), uninsured motorist insurance, and collision and comprehensive insurance with a $500 deductible.
Auto Insurance Complaints Against AARP
AARP car insurance is managed by The Hartford, the owner of Trumbull Insurance Co. and other subsidiaries. Trumbull Insurance Co. has a higher rate of auto insurance complaints reported to state insurance departments compared to the industry average, as per the National Association of Insurance Commissioners.
What Does AARP Car Insurance Cover?
AARP car insurance provides accident forgiveness, new car replacement, and gap insurance, but if you’re interested in pay-per-mile or rideshare insurance, you’ll need to search elsewhere.
Does AARP Car Insurance Offer Accident Forgiveness?
AARP provides accident forgiveness as an optional feature. In order to be eligible for accident forgiveness, every driver covered by your car insurance policy must maintain a clean driving record for at least five years. This additional benefit exempts you from rate increases after your first at-fault accident. It’s important to note that accident forgiveness is not offered to drivers in California.
Does AARP Car Insurance Offer New Car Replacement?
AARP car insurance offers the option to include new car replacement insurance for an extra cost. This coverage will compensate you for the expense of a new car if your current one is completely damaged in a covered accident, without factoring in depreciation.
Does AARP Car Insurance Offer Gap Insurance?
Gap insurance can be obtained through AARP/The Hartford as an endorsement. It is commonly necessary for leased or financed vehicles. This type of insurance, also known as loan/lease coverage, bridges the gap between the amount owed on a car loan or lease and the value of the vehicle if it is totaled or stolen. Without gap insurance, you would have to cover the remaining loan balance if it exceeds the value of the car.
Does AARP Car Insurance Offer a Diminishing Deductible?
AARP car insurance policyholders have the option to benefit from a diminishing deductible, which has the potential to reduce their collision insurance deductible as long as they have a clean driving record. It’s important to note that the disappearing deductible feature offered by AARP is not accessible in all states, including California.
Does AARP Offer Usage-Based Insurance?
AARP and The Hartford provide a usage-based car insurance program known as TrueLane by The Hartford. This program involves a smartphone app that monitors driving habits and provides discounts on premiums to drivers who exhibit safe behaviors while driving. By enrolling, you can receive an immediate discount of up to 12%, and when renewing your policy, you can qualify for an additional discount of up to 25%.
Does AARP Offer Pay-Per-Mile Insurance?
AARP does not offer pay-per-mile insurance policies, which are intended to assist occasional drivers in obtaining cheaper auto insurance. Instead of making a set monthly payment, individuals with this type of insurance install a device in their car or use an app to monitor their mileage. The insurance company then calculates their charges based on the distance driven during the billing period.
Does AARP Offer Rideshare Insurance?
AARP does not provide rideshare insurance. If you work for a rideshare company such as Uber or Lyft, you may have to buy a separate car insurance policy that includes rideshare coverage. Your personal car insurance may not give you enough coverage when you are driving for a rideshare service.
Does AARP Offer Roadside Assistance?
AARP car insurance provides roadside assistance coverage, with the base plan priced at $60 for the initial year and a 10% discount for AARP members. The coverage includes two service calls for individuals or three for couples, offering battery charges, flat-tire fixes, fuel delivery, lockout assistance, and towing with a 10-mile limit.
AARP Auto Insurance Discounts
Defensive driver course: AARP members who take an approved defensive driver course can get a discount on car insurance for three consecutive years.
Hybrid/electric vehicle: Hybrid and electric vehicle owners can qualify for a special discount on AARP car insurance.
Online quote: When you get an AARP car insurance quote online, The Hartford will give you a small discount on your premium when you purchase a policy.
Pay in full: You can qualify for a discount if you pay your annual premium up front and in full.
Policy bundling: Get a discount for purchasing your auto insurance and homeowners insurance policy from The Hartford. AARP members can save up to 5% on their car insurance and up to 20% on their home, renters or condo insurance when they bundle.
Safe driver training course: If you have a driver on your policy who is under 21 years old, you can get a discount on your premium if they complete an approved safe driver training program.
Safety features: If your car is equipped with certain safety features, like anti-lock brakes or multiple airbags, you can get a premium discount.
TrueLane program: AARP members who enroll in the TrueLane usage-based, safe driver program can save up to 12% on their auto insurance for signing up, and another discount of up to 25% for renewing.