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AARP members who switch to The Hartford can save an average of $577† on their car insurance. On average, The Hartford’s customers pay between $121 and $162 a month for car insurance.2 From bundling to completing an approved defensive driver course, The Hartford offers several ways for seniors to save on car insurance.
Car Insurance Made for Senior Drivers Whether you’ve changed your driving habits or are looking to buy a new vehicle, it’s important to find an insurance company that understands the needs of senior drivers. At The Hartford, we understand that car insurance needs change as you get older, earning us the reputation of being a trusted insurance company for experienced drivers.
With AARP® Auto Insurance from The Hartford,1 you can take advantage of customizable coverage options to fit your needs while saving money. Plus, you can enjoy exclusive benefits for seniors, like saving up to 10% just for being an AARP member.† The Best Car Insurance for Seniors Seniors should look for several factors to find the best auto insurance, like:
How Much Is Auto Insurance for Senior Drivers? Senior car insurance rates vary because every driver has unique needs. Here are the average costs that The Hartford’s customers pay for auto insurance:3
Age
The Hartford Avg. Annual Premium
The Hartford Avg. Monthly Premium
It’s important to remember that how much you pay for car insurance is based on many personal factors, such as your:
Location Driving history Discounts selected To learn more about coverage options, benefits for senior drivers or how much your car insurance will cost, call The Hartford at 888-546-9099 or get a car insurance quote for seniors online today.
Not Sure How Much Coverage You Need? Every state has different minimum car insurance requirements, but you may need more protection to enjoy peace of mind on the road. The Hartford's car coverage calculator will explain what's required where you live, plus how much additional coverage you may want.
Unsure About Your Coverage? Answer 3 quick questions to learn which coverage might be right for you.
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Why Do We Ask This? States have requirements for how much car insurance coverage drivers must have. The minimum required amount can vary for bodily injury liability, property damage liability and uninsured and underinsured motorist coverage.
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Why Do We Ask This? If you lease or finance your car, the lender or leasing company typically has coverage requirements and may have to be named on the policy.
When It Comes To Insurance, What Matters Most?
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Why Do We Ask This? Everyone has different needs for car insurance. If you want to pay less for coverage, you'll have higher out-of-pocket costs with a claim. If you want the most protection, you'll pay more for coverage but have lower out-of-pocket costs with a claim.
Ways To Save on Senior Auto Insurance AARP members who switch to The Hartford can save an average of $577 on their car insurance.† That’s because The Hartford offers car insurance discounts for seniors and exclusive benefits to help you save on costs. How you can save on car insurance:
Bundle your home and auto insurance policies to save over $800 with AARP Auto and Home Insurance from The Hartford.**
Sign up for The Hartford’s TrueLane Program, a usage-based smartphone app that recognizes and rewards safe driving. You’ll save up to 15%^ when you sign up within 60 days of your first policy. Plus, you can earn a renewal discount of up to 40%, depending on your safe driving habits.
Maintain a clean driving record and stay accident free to help save money. That’s because at The Hartford, we believe in rewarding good drivers.
Complete approved driving courses, like a defensive driver course. These courses can grant you a discount for up to three years on your car insurance.
You can save up to 10% on your car insurance for just being an AARP member.†
5 Ways Seniors Get the Best Auto Insurance Rates As an experienced driver, you deserve car insurance that protects you and your loved ones without breaking the bank. When you’re shopping for car insurance, be sure to:
1. Compare Quotes Car insurance rates can vary by company, so compare insurance quotes to help determine if you’re getting the right policy at the right price. 2. Look for a Policy Designed for Seniors As you get older, you’re more likely to find insurance coverage that meets your needs if you look for policies that are specifically designed for mature drivers. 3. Adjust Coverage To Meet Your Needs Auto insurance for seniors isn’t a one-size-fits-all coverage. It’s important to customize your car insurance to make sure your policy has enough protection for you. Remember – the cheapest car insurance isn’t necessarily the best one for seniors. Auto insurance should strike a balance between affordability and quality coverage, especially as needs evolve with age. 4. Review Requirements in Your State Coverage requirements are different in each state. Coverage limits and deductibles are some of the many factors that influence car insurance rates, so costs will vary. The best way to learn about required coverages and costs in your state is to get a quote. 5. Bundle Your Home and Car Insurance There are many auto insurance discounts you can take advantage of to get the best rate. One discount that saves you money and time is bundling homeowners and auto insurance for seniors. With AARP Auto and Home Insurance from The Hartford, you can save $813 just by combining your auto and home insurance policies.**
Frequently Asked Car Insurance for Seniors Questions At What Age Is Car Insurance Most Expensive?
Age is just one factor when calculating the cost of car insurance. Typically, car insurance costs decrease with age, as you are considered more experienced on the road and less likely to cause an accident.
Why Is Car Insurance So Expensive for Seniors?
Some studies have shown that your risk of being involved in a fatal accident increases with age for every mile driven, which could impact the cost car insurance for senior citizens.4
Because The Hartford believes in rewarding experienced drivers, we offer exclusive car insurance benefits and discounts to AARP members to help reduce car insurance costs. What Is the Best Insurance for Seniors?
As an experienced driver, it’s important to get car insurance that fits your specific needs. The Hartford is proud to offer the only auto and home insurance program endorsed by AARP for over 40 years and counting. Can I Save Money on Car Insurance With AARP?
As the official provider of AARP Auto Insurance from The Hartford, we offer exclusive benefits and discounts to help reduce the cost of car insurance for seniors. For example, The Hartford offers car insurance savings of up to 10% just for being an AARP member.† Do Car Insurance Rates Increase for Seniors?
Is car insurance cheaper as you get older? The answer is yes and no. As a group, senior drivers are considered relatively safe on the road, driving fewer miles and modifying driving habits in poor driving conditions. This can lead to lower car insurance costs. Designed for experienced drivers, the AARP Auto Insurance Program from The Hartford offers exclusive benefits and additional savings for AARP members who are safe on the road.
However, it’s important to remember that many factors determine car insurance costs. To learn more and get your personal AARP member quote, call The Hartford at 888-546-9099.
Customer Reviews
“I was rear-ended by a hit and run driver. The Hartford made a bad experience much easier to manage.”
Retired senior
“The Hartford staff provided me with a rental car and even extended my rental for a few days. Excellent service provided for all aspects of my claims experience.”
Bill the senior
“Although I was embarrassed about backing into a sign, the claims people with whom I spoke were not judgmental. They made me feel comfortable. … The Hartford works well with seniors.”
Cas
“This was the first time I had an accident. … The whole process took less than 2 weeks and I'm thrilled with my new car. THANK YOU The Hartford!!!!!!!”
Frieda, a very happy Senior citizen!
“We dreaded going through this process, so we were surprised, even amazed, at how smoothly it went. … This company knows how to get things done and keep their customers happy.”
Senior driver
“First time and having a total loss vehicle which we have had for over 12 years with really no problems. It was a very emotional experience to have to let the car go and The Hartford made it really easy and comfortable for me.”
Senior citizen
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2,3 Auto insurance rates by age range from 9/1/22 to 8/31/23.
4,5 Insurance Information Institute (III), “Senior Driving Safety and Insurance Tips”
^ Not available in all states, terms and conditions apply.
*** Based on Maine Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
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