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17 User Reviews


Overall Score

AARP has partnered with The Hartford Group since 1989 to provide auto insurance for AARP members and non-members alike. AARP is currently headquartered out of the District of Columbia (Washington, DC). They are a large nonprofit organization with around 5,000 employees. They pride themselves in their unique benefits, low rates, and quality service to every state but Massachusetts in the United States.

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The Good

  • Coverage Features
  • Service Coverage
  • File and Track Claims
  • Member Benefits
  • Education

Coverage Features

AARP offers the following coverage features:

  • Collision
  • Comprehensive
  • Medical Payment
  • Bodily injury
  • Property damage
  • Uninsured
  • Underinsured
  • PIP
  • Glass coverage
  • Towing
  • Rental car
  • Personal Umbrella

Service Coverage

AARP's services are available in 50 states. However, certain coverages, credits, and discounts may only be offered in certain states and locations.

File and Track Claims

The claim system is easy and convenient to use. Policyholders can track and file their claim quickly and easily online. The tracking keeps each member updated on their claim status so they don't have to take the time and go through the hassle of calling in to get a status update.  

Member Benefits

Being an AARP member provides you with a lot of easily obtainable benefits. For example, members can save up to 10 percent on monthly charges for wireless AT&T plans and up to 15 percent at Outback Steakhouse. Some of their other deals include a free donut with any large or extra-large beverage, easily printable savings coupons for groceries, $30 off an annual Zipcar membership, discount on the AARP Smart Driver course, online savings from top retailers, and more.


AARP serves consumers with plenty of helpful tips and calculators on their website. They also have a live chat option so browsers who have questions that they want immediate answers to can have their questions answered quickly. For less urgent needs, members or consumers with questions can either email in their questions or call their provided telephone number.


The Bad

  • Undisclosed Pricing
  • Third-Party Insurance
  • Limited Discounts
  • Transparency Issues

Undisclosed Pricing

AARP has not disclosed its auto insurance pricing.

Third-Party Insurance

Car insurance with AARP is actually done through The Hartford. This can be confusing to some consumers. The Hartford is a provider of property and casualty insurance, group benefits, and mutual funds. They have been in business for around 205 years. When you request a quote, the quote will be generated through The Hartford. Moreover, all of your car insurance services will actually be done through The Hartford who is partnered with AARP. Again, this may be confusing to some.

Limited Discounts

Although they do provide a lot of discounts and savings deals, we could not find a pay in full discount. Most of their competitors offer this discount and a lot of consumers will probably look for this discount. However, if you are interested in obtaining a Pay in Full Discount, you could most likely talk to an AARP agent and work something out. Or they may actually provide this discount depending on the location.

Transparency Issues

They lack a little transparency whenever describing their coverage, benefits, and discounts. For example, on most of their discounts, they state that they provide "up to" a certain percentage. So although they list that they provide up to 15 percent off for having an anti-theft device, this could legally mean even just 1 percent. Consumers alike would agree that on being more straightforward and transparent about their benefits, coverages, and discount percentages and amounts would definitely be appreciated.


The Bottom Line

AARP with The Hartford caters a great service to consumers. There are a number of discounts that are offered to consumers, even though it does depend on the location. Consumers will always appreciate more transparency, and AARP has room for improvement in that area. It would be helpful if they listed quotes on their site, without having to submit too much personal information. The words "up to" could also be used less. AARP has been in business for over 50 years and The Hartford has been in the auto insurance industry for over 200. Their combined experience is definitely an asset to their members. Overall, because each member gets good coverage at a good price, considering AARP would be a wise choice.
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17 Reviews

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Mary Johnson Holt, MI

Great price and super customer service. I've been with them for several years, and even tho I check other companies every couple of years, I always find The Hartford to be the best for price.

2 years ago

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Continuing Customer La Porte, TX

AARP is great for discounts. The Hartford Auto Insurance is the best for pricing, almost unbelievable. You actually savor over $400 yearly in comparison to any other auto insurance. I highly recommend AARP Auto Insurance.

10 months ago

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DonnaM Montclair, CA

AARP you should be ashamed .....I have been with the Hartford for 15 years I had a problem with a payment going through due to my Debit card being replaced with a new card I paid it on the 2nd of February. I was not aware that the old Card number was on the site the payment was not honored due to the change. My policy was canceled immediately because of this misunderstanding when I called the Hartford on the 19th of February to Re-instate after I got a letter from them dated February 11th They would not Re-instate unless I paid the full balance for the whole year of close to $500.00 I asked if I could make a payment or even half of the amount they said no because I did not contact them soon enough. Remember the letter was dated the 11th of February which means it still needed to be mailed so the 13th or 14th it would have arrived. So 7 days or under is the time frame that you are supposed to contact them I guess. I have never had an accident or any problems always paid my bill, again customer 15 years. In the past if there was a problem with a credit card it was no problem to reinstate and take the monthly payment (which happened once before a few years ago) lucky I had a credit card or else I would have not been able to reinstate the policy and been left without insurance. This is totally unreasonable as I started with the policy because of AARP thus Hartford deals with older people who may not be able to contact them in the time frame of under a week due to illness or family illness plus most older people are on a fixed income and may not be able to pay the whole year off. I don't know what happened with this company they used to be caring & helpful but not any more they are now nothing more than another greedy insurance company that cares more for profit then for people needless to say after this and when my policy is up for renewal I will not be continuing with the Hartford and will not recommend anyone else to do business with them.

5 years ago

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LifeOn Adventure Newport, KY

Overall good value and discounts at many, many locations/activities. The multiple quizzes to earn "points" has recently been re-vamped and it seems more confusing. I will continue to use AARP because it saves me money!

11 months ago

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Lovemore Saint Cloud, FL

I have had them for approx 6 years and I have had good experiences with the card and the discounted things that they offer that help me in my everyday life. I have has quick responses to my emails with good instruction.

1 year ago

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CH KNO Hazel Green, AL

They are generous in low membership fees and promo gifts, but in turn, all of the discounts from supporting companies charge a greater premium than one would pay from many other comparable marketers for less.

11 months ago

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Larry Maricopa, AZ

They may not drop you after an accident, but they gouge your eyeballs out for 5 years with exorbitant increases premiums.

2 years ago

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Wayne Parham Rancho Cordova, CA

I am an older person and AARP is great for me it gives me a lot of information and they have good prices

10 months ago

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Miriam Lewis Whitefish, MT

Great discounts on auto insurance and deals on hotels etc. Medicare webinar was very helpful and well done.

10 months ago

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Judy Martin ,

AARP has many ways for an aging person like myself to save money, and it is well worth being a member.

11 months ago

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Stewart Donaldson ,

Any help that I have reached out to them for has been great. They have always came back with good solutions to my issues along with supportive staff.

1 year ago

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Maritza Muriel Spring Lake, NC

Very please so far with the service they have provided for me and my family I have been a member of them for a while

11 months ago

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mary b Columbus, OH

very happy to be an AARP member! Lots of perks and recommendations from being a member

11 months ago

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Catt Jones Stockbridge, GA

I love the savings, games and informational stuff they provide. Get updates on when to renew and elders jobs.

1 year ago

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Camilia Dugay Houston, TX

I was not able to use the discount at hardly anywhere. I never received my promotional gift. I would not recommend it to others.

11 months ago

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Taylor Siren Gilbert, AZ

AARP is a dependable insurance company that you can count on anywhere on the road.

2 years ago

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Sherry Hamrick Lakeland, FL

Alot of the sevices wasnt useable gor me. So switched to AMAC more companies compatible for me.

10 months ago

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