AARP Car Insurance Quotes: Everything You Need to Know
AARP is a great option for older adults seeking simple, inclusive insurance packages. Read this comprehensive report on AARP to learn more.
Written by Jacoba Bood
Reviewed by Kathleen Flear
Table of Contents
- Cost
- Pros and cons
- Coverage
- Other options
- AARP’s auto insurance discounts
- AARP versus other companies
- What is AARP Insurance?
- Getting AARP quotes
- Rating AARP
- Services and features
- The takeaway
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The American Association of Retired Persons (AARP) partners up with The Hartford to offer members coverage packages tailored to the needs of older adults.
If you are over the age of 50 and are already an existing member of AARP or interested in becoming one, the benefits of an AARP policy might be a worthwhile
car insurance
option. That’s why the insurance comparison shopping app
Jerry
has compiled everything you need to interpret AARP car insurance quotes and decide if it is the right provider for you. RECOMMENDED
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How much does AARP car insurance cost?
On average, you can expect to pay about $1,332 per year for an AARP car insurance policy, or somewhere between $120 and $180 a month.
These figures are probably higher than what you can expect to pay with the most popular insurance providers.
Still, AARP car insurance rates come with some unique perks like excellent personalized customer service that might appeal to you if you are looking for a provider that offers more than just cheap policy options.
It’s also important to note that there are a variety of factors to take into account when interpreting your quote. Like all providers, AARP will take your demographic category, driving record, credit history, and desired coverage options when personalizing your AARP car insurance quotes.
For instance, if you have an accident on your driving record, you might be looking at policy prices closer to $,2040 a year.
The state that you live in will also play a role in determining your policy costs. If you live in New Mexico, you might only have to shell out $1,090 for your annual policy, while if you happen to live in Texas, you could be paying $1,681 for the same plan.
AARP pros and cons
Pros:
- Strong customer satisfaction ratings
- Provides plenty of person-to-person service offerings
- Unique standard features offerings for senior drivers
Cons:
- Rates are higher than the average provider
- Must be a Hartford (AARP) member over the age of 50 to purchase a policy
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What types of car insurance does AARP offer?
AARP offers their clients the standard
types of insurance
policy offerings through their basic Advantage Program, including the following:Bodily injury and property damage liability coverage
Liability car insurance
is designed to protect you up to your policy’s limit should you be found at fault in a car accident. Collision coverage
Collision insurance
is an upgraded coverage option that will help protect you should you collide with another object or vehicle while driving. Comprehensive coverage
Comprehensive car insurance
is designed to protect you should something happen to your parked vehicle that isn’t covered by a collision policy like hitting an animal while driving, damage to your vehicle by floods or fire, or your car being stolen or vandalized.Uninsured & underinsured motorist coverage
Both
uninsured and underinsured motorist coverage
will help protect you if you are in an accident with an at-fault driver who doesn’t have sufficient liability coverage. Personal injury protection coverage
Personal injury protection
is designed to help cover medical insurance deductible and lost wages for you and your passengers regardless of who is found to be at fault in an accident. Optional coverage options
AARP offers a variety of attractive optional coverage plans that are specifically tailored to the needs of older adults.
To simplify things, Hartford has broken down its additional coverage options into a tailored Advantage Plus Program.
Keep in mind that you might have to meet certain criteria to qualify and that the optional coverages that are available to you may vary according to your region.
Here are the additional layers of protection you will receive when you choose to upgrade:
First-accident forgiveness
If you have had a clean driving record for the past five years, you could qualify for
accident forgiveness
, which prevents your policy from being surcharged after your first incident.Disappearing deductible coverage
Advantage Plus subscribers can also benefit from the Disappearing Deductible Coverage Program. For every year you maintain a clean driving record, your deductible will be reduced by $100 until it goes down to $0.
This feature is not available in California and your deductible will not reduce below $100 if you live in
New York
. Waiver of deductible for a not-at-fault accident
If you are an Advantage Plus member and have to claim for an accident where you were not at fault, Hartford will waive your deductible (limitations and restrictions apply).
One deductible coverage
Advantage Plus members may also receive unique benefits when they choose to purchase policies for multiple vehicles or bundle car and home insurance through AARP.
Hartford will waive the lower deductible if two vehicles or your home and vehicle are damaged in the same incident.
$100 deductible reduction coverage
Hartford offers residents of some states the opportunity to reduce their deductible by $100 when they choose to process their repairs through an authorized repair shop.
Emergency expense coverage
This will help you to cover any reasonable expenses that you might have to shoulder as the direct result of an accident. This applies if you are over 100 miles from home when the accident occurs and could include taxi fees, food costs, and temporary housing up to a $1,000 limit.
AARP’s auto insurance discounts
If you are an AARP car insurance subscriber, you might be eligible to receive any of the following discounts that will help reduce your policy’s price tag:
- Policy bundling discounts
- Electric and hybrid vehicle discounts
- Discount for completing driver training courses
- Safety features discounts
- Good students discounts
- Upfront policy payment discount
- AARP membership discounts
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AARP vs. other insurance companies
Here’s a comparison of how AARP car insurance stacks up against two major competitors: Allstate and Progressive.
AARP vs Allstate
Both
Allstate
and AARP rack up average to above-average customer service scores and offer ample personalized service features that cater to the needs of older adults who might be less comfortable using the Internet. However, Allstate wins out when it comes to policy pricing, offering significant cost savings for the average 50 to 60-year-old driver.
That said, Allstate does not provide the same senior-friendly perks as AARP, so if this is a priority for you, you might still be inclined to choose AARP over Allstate.
AARP vs Progressive
Generally speaking, AARP car insurance has a lot more to offer adults over the age of 50 than a standard
Progressive
car insurance package does.Progressive doesn’t score well in terms of customer service, generally landing in the range of average or below average for most service offerings.
Keep in mind that Progressive services also tend to cater to more Internet-friendly audiences. While there are plenty of features and discounts to take advantage of, some older adults may find it difficult to land a simple package that is tailored to their needs.
Meanwhile, Progressive will offer slightly more affordable rates for most 50 to 60-year-old adults in terms of pricing, but there are exceptions.
If you are an older adult, you will probably find the features offered through AARP more suitable for your needs. However, if you want to personalize your policy or take advantage of opportunities to save, Progressive could be a better choice.
What is AARP Insurance?
AARP car insurance is offered exclusively for AARP members. Short for the "American Association of Retired Persons," this non-profit specializes in empowering (and insuring) American adults over 50.
Among the many benefits that AARP offers its members are a variety of exclusive insurance packages, including car insurance tailored to the needs of older adults.
AARP car insurance is provided by the Connecticut-based Hartford insurance group and is only available to current AARP members.
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How to get an AARP car insurance quote
AARP offers its members three easy ways to get their car insurance quotes. You can choose whichever of the following methods is most convenient for you:
- Request an online quote
- Call to speak with an agent
- Visit a branch or arrange a meeting with a local agent
Having your driver’s license,
vehicle registration
, and any relevant documentation from your current auto insurance provider on hand will help ensure the process goes as quickly as possible. However, AARP might also ask you to provide information on your home location, driving history, driving habits, the type of vehicle you drive, and your coverage history.
If you don’t want to go through the hassle of long forms or calling up insurance companies, download
Jerry
, the car insurance
comparison tool and app you can trust
. Not only does it take less than a minute to sign up, but Jerry also generates competitive quotes from top insurers so you know you’re getting the best coverage for the lowest price.
"Great app quality.Jerrywas super easy to get quotes and they had a great response time. Definitely sending an invite link to all my contacts to save on their insurance policies!" —Jodi L.
How do customers rate AARP auto insurance?
While JD Power and Associates currently do not rate the AARP membership car insurance package, it rates their partnering insurance provider, Hartford.
According to the
2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study
, Hartford customers report impressive customer satisfaction scores. The Hartford ranks as better than most in all of the following categories:- Claim Servicing
- First Notice of Loss
- Overall Satisfaction
- Estimation Process
Even more impressively, customers rate The Hartford as amongst the best for the Repair Process category. However, according to the same survey, the Hartford score is below average in the Rental Experience category.
Similarly, the
2018 U.S Auto Insurance Shopping Study
rates Hartford with impressive scores. Hartford ranks as better than most in all of the following:- Pricing
- Insurer Website
- Overall Satisfaction
- Policy Offerings
Hartford receives average scores in the Call Center Representative category.
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AARP’s services and features
When you subscribe to the basic AARP Advantage car insurance package, you get access to a range of unique features that are not commonly offered by other providers.
RecoverCare
AARP’s Recover Care is a unique standard offering that could help you cover the costs of services for things that have become difficult to do on your own as the result of an accident. This could include dog walking, meal preparation, lawn mowing, transportation, or similar services.
The availability of RecoverCare varies by state, so be sure it is available in your home state before you subscribe.
New car replacement coverage
If you have purchased a new vehicle that is deemed a total loss after an accident, Hartford will cover the cost of purchasing a new vehicle of the same make and model through
new car replacement insurance
. Your car will have to have less than 15,000 miles on the odometer and within 15 months of the purchase date to qualify. 12-month auto insurance rate protection
Most companies will only guarantee your premium rate for six months, but AARP car insurance comes with standard guaranteed 12-month rate protection.
Lifetime car repair assurance
AARP takes care of finding a repair shop for you after a claim and will subsequently back the approved repairs with a lifetime guarantee for as long as you lease or own that vehicle.
In addition to the above standard policy features, AARP also offers subscribers some optional features to take advantage of.
The Hartford’s TrueLane program
If you are an AARP car insurance subscriber, you have the option of signing up for Hartford’s TrueLane program for an opportunity to
save on the cost of your policy
. In exchange, you agree to have your driving habits tracked by an electronic device for six months.
You save 10 percent just for signing up and can save up to 25 percent more if you are able to maintain good driving habits while you are being tracked.
AARP driver safety programs
Driving technology has changed a lot in recent years, and AARP driver safety programs can help you take advantage of the newest features to improve your driving skills. AARP offers members access to online and in-person driver training workshops designed to address the needs of older drivers.
The Takeaway: is AARP right for me?
If you are over the age of 50 and looking for policy options and convenient all-in-one packages that take the guesswork out of buying insurance, AARP car insurance could be a great option for you.
While the average policy prices do run on the high end of the scale, you will get automatic access to a range of features that cater to the needs of older adults.
Consistently high customer satisfaction ratings suggest that an AARP car insurance policy could be worth the investment.
That said, if you are looking for tailored or minimal coverage or are searching for more affordable policy options, you will probably find better options elsewhere.
No matter how you look at it, there are many things to keep in mind when comparing car insurance rates, and shopping for quotes through different providers is undeniably a tedious and time-consuming process.
Rather than repeatedly submitting your information to multiple providers, Jerry will automatically compare the top providers in your region to provide you with a list of the best packages available to you.
All you have to do is make your selection, and Jerry will contact the insurance company on your behalf, handle the paperwork, and take care of the switchover. So why wait to save on your policy?
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