The AARP Car Insurance is provided by The Hartford. They have been selling car insurance to AARP members aged 50 and above aged drivers. The Hartford has a A+ financial rating from AM Best.
If you’re eligible for AARP car insurance, you can get good coverage choices and discounts. AARP car insurance provide some extra protection for accidents. However, it’s important to note that The Hartford has more customer complaints than average.
AARP Car Insurance Coverage
Liability Car Insurance
Liability insurance covers the costs for injuries and property damage caused by you in an accident. It also helps pay for your legal defense and any settlements or judgments if you get sued, up to the limit specified in your policy. Most states have a minimum requirement for liability insurance, but you can choose to purchase additional coverage if you want more protection.
Comprehensive Insurance
Comprehensive insurance covers the cost of replacing or repairing your vehicle if it’s severely damaged or totaled. This damage can result from various issues like fires, floods, extreme weather, theft, vandalism, objects falling on your vehicle, or collisions with animals. However, the most you’ll receive from your comprehensive insurance is the actual cash value of your vehicle at the time of the incident, minus your deductible.
Collision Insurance
Collision insurance covers the cost of replacing or fixing your vehicle if it’s damaged in a collision with an object, like another car or a building. However, the most you can receive from collision insurance is the value of your car if it’s declared a total loss, minus the deductible amount you chose when setting up your policy.
Uninsured/Underinsured Motorist Insurance
Uninsured/underinsured motorist insurance covers your medical bills if you’re in an accident with a driver who either doesn’t have insurance or doesn’t have enough insurance to cover all your losses. This coverage also applies to your family members and passengers in your car during the accident. In some states, it’s mandatory to have uninsured/underinsured motorist insurance, while in others, it’s an optional choice for drivers.
Personal Injury Protection (PIP)
Personal Injury Protection (PIP) insurance is usually mandatory in no-fault states and can be optional in others. It covers your medical expenses following an accident, regardless of who is at fault for the crash.
Medical Payments Insurance
Medical Payments (MedPay) coverage helps pay for medical expenses if you, a family member, or a passenger in your vehicle is injured in a collision. It can include expenses like ambulance rides, emergency room treatment, hospital stays, surgeries, X-rays, and rehabilitation, up to the limit specified in your policy.
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AARP Car Insurance Rates for Seniors Drivers
AARP car insurance cost is depends on where you live , your age and other factors. In Arizona, it’s usually more expensive than other options. But if you are drivers in California, with aged 60, 70, or 80 years old then you get cheap car insurance from the AARP as compared to others.
| Driver | 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 | $1,632 | $1,479 | $2,424 | $2,414 |
| Female age 70 | $1,968 | $1,648 | $2,414 | $2,621 |
| Female age 80 | $2,954 | $2,015 | $2,723 | $3,011 |
| Male age 60 | $1,790 | $1,522 | $2,424 | $2,414 |
| Male age 70 | $2,158 | $1,732 | $2,414 | $2,622 |
| Male age 80 | $2,863 | $2,264 | $2,723 | $3,010 |
AARP Car Insurance Discounts
AARP offers various discounts for car insurance, but remember that not all of them are available in every state. Here are some of the discounts they offer:
- Defensive Driver Course: AARP members who take an approved defensive driver course can get a discount on car insurance for three years in a row.
- Hybrid/Electric Vehicle: If you own a hybrid or electric vehicle, you might qualify for a special discount on AARP car insurance.
- Online Quote: When you get a car insurance quote from AARP online, The Hartford gives you a small discount on your premium when you buy a policy.
- Pay in Full: You can get a discount if you pay your annual premium all at once, upfront.
- Policy Bundling: If you buy both your auto insurance and homeowners insurance from The Hartford, AARP members can save up to 5% on car insurance and up to 20% on home, renters, or condo insurance when bundled together.
- Safe Driver Training Course: If you have a driver on your policy who’s under 21 years old and they complete an approved safe driver training program, you can get a discount on your premium.
- Safety Features: If your car has certain safety features like anti-lock brakes or multiple airbags, you can get a discount on your premium.
- TrueLane Program: AARP members who join the TrueLane program, which tracks safe driving habits, can save up to 12% on their auto insurance for signing up and an additional discount of up to 25% for renewing.
AARP Car Insurance Pros and Cons
Pros
AARP car insurance provides several benefits and features:
- New Car Replacement: If your new car is totaled in an accident, AARP insurance can help replace it.
- Accident Forgiveness: AARP offers accident forgiveness, which means your rates won’t go up after your first accident.
- Disappearing Deductible: Over time, your deductible decreases as a reward for safe driving.
- Usage-Based Insurance: AARP has a usage-based insurance option that monitors your driving habits, and if you drive safely, you can get a discount on your premium.
- Household Services Coverage: If you’re injured in a car accident, AARP may provide up to $2,500 to help cover household services.
- Discounts for Hybrid and Electric Vehicles: AARP offers discounts to owners of hybrid and electric cars, helping you save on your insurance if you drive an eco-friendly vehicle.
Cons
Here are some important points to consider about AARP car insurance:
- AARP Membership Required: To access AARP car insurance, you need to be a member of AARP.
- Age Requirement: AARP car insurance is available only to senior drivers who are 50 years of age or older.
- Complaints: AARP car insurance has received more complaints to state insurance departments compared to the industry average, so customer satisfaction may vary.
- Pay-Per-Mile: If you’re looking for pay-per-mile car insurance, you’ll need to explore other insurance providers because AARP may not offer this option.
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FAQs
What is AARP Car Insurance, and who is eligible for it?
AARP Car Insurance is auto insurance offered through The Hartford, exclusively for AARP members who are aged 50 and older.
What types of coverage does AARP Car Insurance offer?
AARP Car Insurance provides various types of coverage, including liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments coverage.
Does AARP Car Insurance offer special benefits or features?
Yes, some special features include new car replacement, accident forgiveness, disappearing deductible, and usage-based insurance to reward safe driving habits.
Is AARP Car Insurance available in all states?
AARP Car Insurance availability in various location you can check on official website with any offered in your state.
Can I get AARP Car Insurance if I’m under 50 years old?
AARP Car Insurance is designed for drivers aged 50 and older, so it may not be available for those under 50.
