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Insurance discounts and coverage options: AARP membership benefits
AARP’s program provides additional discounts and coverage options for AARP members. The following coverage options may depend on state regulations.

Driver safety program
This optional program is currently available in 35 states. To be eligible, you must complete a driving safety course. Depending on your state, you may be able to take this course online. AARP does not advertise how much this discount can earn you.


Lifetime renewability
As long as you’re an AARP member, your car insurance policy will renew — even if you’ve had traffic convictions or accidents. There are a few state-specific stipulations here, so speak with an agent at The Hartford if you’re interested in this policy option.

wallet with money sticking out
12-month rate protection
Most car insurance policies last just six months. This means prices are reviewed and re-rated every six months. While your rate may decrease at policy renewal, it’s more likely your insurance company will raise rates at policy renewal. Between 2011 and 2018, car insurance premiums increased by an average of 23%. While you might experience a rate increase with AARP and The Hartford, it could be less frequent.


New car replacement
This coverage refunds the replacement cost of a new vehicle if you’ve totaled it within the first 15 months — or 15,000 miles — of acquiring it. In the event of a total loss collision, The Hartford will replace your car with a replacement of the same make and model.


This is a unique coverage option provided by The Hartford and AARP. If you’re injured in an accident, you will be insured up to $2,500, covering transportation, cooking, cleaning, and other help you might require after an accident.

First accident forgiveness
With this coverage, your first accident won’t increase your premium. This is sometimes referred to as Accident Forgiveness by other insurers.


One deductible
If you insure two vehicles with AARP and The Hartford and they’re both involved in collisions, you only need to file one deductible with this coverage.


Disappearing deductible
Every year during which you do not have a collision, your deductible will decrease. This coverage is available through different insurers. Learn more about vanishing deductible coverage.

AARP Telematics
AARP Telematics

TrueLane is The Hartford’s telematics program. TrueLane uses your driving habits to price your car insurance premium. In addition to earning a 5% discount on your premium just by signing up, you can lower your premium by exhibiting safe driving habits. Things like harsh braking, rapid acceleration, and late-night driving can increase your costs.

Check out our overview of usage-based insurance programs.

Towing and roadside assistance with AARP
AARP runs two roadside assistance programs through two insurance companies. AARP’s program through The Hartford is much less comprehensive than its solo roadside assistance package.

Learn more about the most popular roadside assistance options.

AARP emergency roadside assistance
This program provides 24/7 coverage in the event you’re stranded on the side of the road. If you have comprehensive coverage, you can add this policy feature. If you’re stranded and need assistance, simply call 1-800-322-7789 and AARP will assist.


Towing insurance coverage
This coverage offers a tow to the nearest repair shop if your vehicle is inoperable. This coverage does not necessarily require a collision or accident to have occurred. Like the emergency roadside assistance package, you must have comprehensive coverage to utilize this policy feature.

Outlined tow truck
AARP auto insurance reviews
The Hartford’s customer service earns generally good reviews, with strong ratings from J.D. Power. However, The Hartford, like many insurance companies, has some negative reviews. Generally, AARP members may consider the additional benefits they receive reason enough to choose AARP for their next insurance policy.

The best way to find the right car insurance provider for you is to do detailed research. Understand the coverage you need and how much you’re able to pay. This will expedite your search for car insurance and help you find the right policy for you.

Read The Zebra’s review of The Hartford.

If you’d like to learn more about car insurance, see our related content. If you’re ready to see personalized quotes, enter your ZIP code below to get started

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