AARP/The Hartford Insurance Review 2025

AARP members age 50 and older will most benefit from getting car insurance from The Hartford, as they can take advantage of the 10 percent discount. You may not be aware that, technically, anyone 18 and older can join AARP. However, the car insurance discount is available only to AARP members 50 and older, which I learned after completing the online quote process. Still, if you’re in the age range, The Hartford is one of the best auto insurance companies for seniors.

That being said, this offer still won’t be for everybody. For example, like many insurance companies The Hartford is not writing new home policies in California or Florida. If you live in one of those states and plan to bundle and auto, you will have to look elsewhere. Additionally, not everyone will see a cheaper rate from The Hartford, even with the AARP discount. The average annual cost of insurance from The Hartford is $2,688, well above the national average of $2,399.

AARP/The Hartford insurance costs an average of $2,688 per year, 12 percent higher than the national average for full coverage car insurance. For minimum coverage, it costs an average of $738 per year, which is still 16 percent higher than the national average. For seniors, The Hartford offers notably lower rates, at an annual average rate of $2,081 for full coverage. It’s worth noting that this is still higher than premiums from other providers.

Here’s how AARP/The Hartford’s prices for seniors compare to other companies:

And here’s how rates compare across all ages:

When it came to drivers with a DUI, premiums fell much higher. The Hartford charges an average of $4,919 per year, which is 49 percent above the national average of $3,305. And for people with an at-fault accident, The Hartford costs an annual average of $3,951, 40 percent above the national average. In every category, The Hartford is more costly than average, but you’ll have to get a quote to see what it’ll cost you specifically.

Let’s say I’m older than 50. There are many ways I could save with AARP/The Hartford in addition to the 10 percent discount. One, I could bundle my home and auto insurance, saving up to 12 percent on auto and up to 20 percent on home, condo, or renters insurance. I could take a defensive driving course for a discount that will continue for three years, or I could join the TrueLane Program, The Hartford’s usage-based insurance.

With TrueLane, I would save up to 15 percent just for signing up and up to 40 percent based on my driving habits. That’s pretty good, considering the usual sign-up discount for this type of program is 10 percent. All I would have to do is download the TrueLane app, and it would record every time I drive, scoring me on my rate of acceleration, my phone usage while driving, my turning, my braking, and my speeds. For safe drivers, this program could save you a lot of money. Learn more about safe driving for older adults.

Beyond that, here is a complete list of all the discounts available from The Hartford:

• Bundling home and auto insurance
• Paying policy in full
• Getting an online quote
• Having a car with anti-lock brakes or multiple airbags
• Driving a hybrid or electric vehicle

To start my quote, all I had to do was enter my ZIP code and basic information like my name; date of birth; home address; whether I rent or own; my vehicle information, including the year, make, and model; and other information, like whether I financed or leased my car, if it’s new or used, and how I use it (for pleasure, business, or even to farm). Throughout the process, The Hartford offered a phone number I could call, but I chose to finish the quote online.

Next, I filled out some information about my driving history, gender, and marital status, but it wasn’t until I got to the end that AARP told me I wasn’t eligible, being under 50. I wish it had told me earlier, especially as my birth date was one of the first things I filled out. In general, the process was a little slow, with several wait times for buffering, so it wasn’t the most frictionless quote I’ve ever gotten. However, at least it linked me to some other options like Progressive and Experian. Or, if I was still interested in The Hartford, I could have gone to its website directly and started the quote process over again, without going through AARP.

AARP/The Hartford offers the standard car insurance coverages: liability insurance, including property damage and bodily injury liability; collision insurance; comprehensive coverage; medical payments coverage/personal injury protection; and uninsured/underinsured motorist coverage. But the company goes beyond these basic coverages with some additional coverage types:

• Car towing coverage: If you need your vehicle towed, this coverage will help cover the cost. The Hartford also offers full roadside assistance through RESCUE 1-800, which includes not only towing but also fuel and flat-tire changes, jump-starts, and lockout services.
• Full glass coverage: If your mirrors, windows, or headlights are damaged, you’ll be able to get the repairs done without paying a collision or comprehensive deductible first.
• Gap insurance: Typically required by lease or finance companies, gap insurance covers the remainder on a loan/lease if you total your car. This ensures that you won’t owe any money on a car you can’t drive.
• Rental car insurance: Not to be confused with rental car reimbursement below, rental car insurance coverage is liability coverage for a rental car. That means you won’t get swindled into buying more car insurance at the rental desk (I’ve been there before).
• Rental car reimbursement coverage: Lastly, rental reimbursement pays for a rental car if your car is in the shop under a covered comprehensive or collision claim.

Finally, The AARP program from The Hartford also offers accident forgiveness, available to those with a clean driving record for the past five years. It means your rates won’t go up after a collision, avoiding a three- to five-year price hike.

For the most part, The Hartford has positive customer and financial strength ratings. In fact, it ranked tenth overall in J.D. Power’s 2024 U.S. Claims Satisfaction Study. ¹

Additionally, according to the National Association of Insurance Commissioners’ Complaint Index, the company received fewer-than-average complaints — about 86 percent of the complaints it should receive for a company of its size.² Financial strength ratings were high across the board, meaning The Hartford is likely to pay claims in a timely manner.

There are a few easy ways to file a claim with AARP/The Hartford. I could do it online, either on the company’s website or its main mobile app, or I could call a number — pretty standard options. The length of time a claim resolution can take varies, but expect it to take around 30 days, or more if there were injuries or deaths involved.

The Hartford had mixed scores in the 2024 U.S. Auto Insurance Study from J.D. Power. While it scored below average in the Mid-Atlantic and Northwest regions, it rated above average in Florida and the Southwest.⁶ This means that your experience with The Hartford may vary depending on where you live.

Here’s how The Hartford stacked up in the regions where it was ranked:

On the CRASH Network’s 2025 Auto Insurer Report Card, The Hartford got a C+, or a numerical score of 597. To compare, the national average is 663, and none of the country’s 10 largest insurers scored above that. Smaller insurers, like the North Carolina Farm Bureau and Alfa Mutual, topped the list, but most of them are available in only a handful of states.⁷

Aside from the quote process, which had a bit of buffering, I had no trouble navigating The Hartford’s website and getting information about the AARP program. There are also two mobile apps: The Hartford, which let me view an insurance ID card, pay bills, change my auto policy, and track claims all from my phone; and TrueLane by The Hartford, which would track my driving and give me a discount for safe driving habits.

The Hartford recently revamped its main app, resulting in a boost in iPhone and Android ratings compared to the previous year. While the reviews were mostly positive, some customers who used the previous version of the app complained that their linked accounts weren’t visible in the new version. Overall, both apps received favorable feedback, with TrueLane app users pointing out some flaws while tracking driving habits.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyze average premiums for full and minimum coverage for good drivers with good credit, as well as various driver profiles, including those with DUIs, accidents, or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.