However, AARP car insurance rates come with some unique perks like excellent personalized customer service that might appeal to you if you are looking for a provider that offers more than just cheap policy options.

Your unique driver profile: there are a variety of factors to take into account when interpreting your quote. Like all providers, AARP will personalize your AAR car insurance quotes by taking into account your:

Demographic category

Driving record

Credit history

Desired coverage options

For example, if you have an accident on your driving record, you might be looking at policy prices closer to $2,000 a year.

Location: The state that you live in will also play a role in determining the cost of your auto insurance policy. If you live in

New Mexico

, you may only have to shell out $1,100 for your annual policy, whereas if you happen to live in

Texas

, you could be paying $1,700 for the same plan.

AARP pros and cons

Pros:

Strong customer satisfaction ratings

Plenty of person-to-person service offerings

Unique standard features offerings for senior drivers, like roadside assistance

Cons:

Rates are higher than the average provider

Must be a Hartford (AARP) member over the age of 50 to purchase a policy

What types of car insurance does AARP offer?

There are two tiers of AARP membership with insurance options: a standard Advantage program and an upgraded Advantage Plus program.

Through the basic Advantage Program, AARP customers may purchase the standard

types of insurance

policy offerings, including:

Bodily injury and property damage liability coverage

Liability car insurance

is designed to protect you up to your policy’s limit should you be found at fault in a car accident. It does not cover your own vehicle and is

required in most states

Collision coverage

Collision insurance

is an upgraded coverage option that will help protect you should you collide with another object or vehicle while driving. You’ll have a collision

deductible

that must be paid out-of-pocket before this policy will kick in to cover costs.

Comprehensive coverage

Comprehensive car insurance

is designed to protect you should something happen to your parked vehicle that isn’t covered by a collision policy: hitting an animal while driving, damage to your vehicle by floods or fire, or your car being stolen or vandalized.

Uninsured & underinsured motorist coverage

Uninsured and underinsured motorist coverage

will help protect you if you are in an accident with an at-fault driver who doesn’t have sufficient liability coverage to cover the damages.

Personal injury protection coverage

Personal injury protection

is designed to help cover medical insurance deductible and lost wages for you and your passengers regardless of who is found to be at fault in an accident.

Optional car insurance coverage options

The tailored Advantage Plus program offers a variety of attractive optional insurance products that are specifically tailored to the needs of older adults.

You might have to meet certain criteria to qualify, and the optional coverages available may vary according to your region.

Here are the additional layers of protection you will receive when you upgrade to Advantage Plus:

First-accident forgiveness

If you have had a clean driving record for the past five years, you could qualify for

accident forgiveness

, which prevents your policy from being surcharged after your first incident.

This program is not available for

California

residents.

Disappearing deductible auto insurance coverage

Advantage Plus subscribers benefit from the Disappearing Deductible Coverage Program. For every year you maintain a clean driving record, your deductible will be reduced by $100 until it goes down to $0.

This feature is not available in California, and your deductible will not reduce below $100 if you live in

New York

Waiver of deductible for a not-at-fault accident

If you are an Advantage Plus member and have to

file a claim

for an accident where you were not at fault, Hartford will waive your deductible (limitations and restrictions apply).

One deductible coverage with multiple policies

Advantage Plus members can also receive unique benefits when they choose to purchase policies for multiple vehicles or bundle car insurance with renters or homeowners insurance through AARP.

Hartford will waive the lower deductible if two vehicles or your home and vehicle are damaged in the same incident.

$100 deductible reduction coverage with preferred repair shop

Hartford offers residents of some states the opportunity to reduce their deductible by $100 when they choose to process their repairs through an authorized repair shop.

Emergency expense coverage

This helps you cover any reasonable expenses that you might have to shoulder as the direct result of an accident. It applies if you are over 100 miles from home when the accident occurs and could include taxi fees, food costs, and temporary housing up to a $1,000 limit.

If you anticipate needing help beyond towing, get Advantage Plus.

AARP’s auto insurance discounts

If you are an AARP car insurance subscriber, you might be eligible to receive any of the following car insurance discounts that will help reduce your insurance premiums:

Policy

bundling

discounts with home insurance

Electric and hybrid vehicle

discounts

Discount for completing safe driving and defensive driving courses

Safety features discounts

Upfront policy payment discount

AARP membership discounts

AARP vs. other car insurance companies

Here’s a comparison of how AARP car insurance stacks up against Allstate and Progressive, two competitor auto insurance companies.

AARP vs Allstate

Similar customer service and features: Both

Allstate

and AARP rack up average to above-average customer service scores and offer ample personalized service features that cater to the needs of older adults who might be less comfortable using the Internet.

Different rates: However, Allstate wins out when it comes to policy pricing, offering significant cost savings for the average 50 to 60-year-old driver.

Different perks: That said, Allstate does not provide the same senior-friendly perks as AARP, so if this is a priority for you, you might still be inclined to choose AARP over Allstate.

AARP vs Progressive

Generally speaking, AARP car insurance has a lot more to offer adults over the age of 50 than a standard

Progressive

car insurance package does.

Different customer service ratings: Progressive doesn’t score well in terms of customer service, generally landing in the range of average or below average for most service offerings.

Different service options: Progressive services tend to cater to more Internet-friendly audiences. While there are plenty of features and discounts to take advantage of, some older adults may find it difficult to land a simple package that is tailored to their needs.

Different rates: Progressive will offer slightly more affordable rates for most 50 to 60-year-old adults in terms of pricing, but there are exceptions.

If you are an older adult, you will probably find the features offered through AARP more suitable for your needs.

However, if you want to personalize your policy or take advantage of opportunities to save, Progressive could be a better choice.

What is AARP Insurance?

AARP car insurance is offered exclusively for AARP members. AARP stands for the American Association of Retired Persons, and it’s a non-profit that specializes in empowering (and insuring) American adults over 50.

Among the many benefits that AARP offers its members are a variety of exclusive insurance packages, including

car insurance tailored to older adults

AARP car insurance is provided by the Connecticut-based Hartford insurance group and is only available to current AARP members.

How to get an AARP car insurance quote

It’s easy for AARP members to get auto insurance quotes—just make sure you’re a member. You can choose whichever of the following methods is most convenient for you:

Online: Request an online quote.

Phone: Call to speak with an agent.

In person: Visit a branch or arrange a meeting with a local agent.

You may need to provide certain information to get a quote. Here are some documents you should have on hand:

Driver’s license

Vehicle registration

Any relevant documentation from your current auto insurance provider

The AARP insurance agent may also ask you to provide information on your home location, driving history, driving habits, the type of vehicle you drive, and your coverage history.

If you don’t want to go through the hassle of long forms or calling up insurance companies, download

Jerry

, the

car insurance

comparison tool and America’s AllCar App.

Jerry also generates competitive quotes from top insurers so you know you’re getting the best coverage for the lowest price.

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How do customers rate AARP auto insurance?

High satisfaction ratings: AARP’s insurance provider, Hartford, is ranked very highly in most categories.

According to the

2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study

, Hartford auto customers report impressive customer satisfaction scores in auto insurance reviews.

The Hartford ranks as better than most in all of the following categories:

Claims satisfaction

First Notice of Loss

Overall Satisfaction

Estimation Process

Customers rate The Hartford as among the best for the Repair Process category. However, according to the same survey, the Hartford score is below average in the Rental Experience category.

Similarly, the

2018 U.S Auto Insurance Shopping Study

rates Hartford with impressive customer reviews related to insurance claims service and offerings. Hartford ranks as better than most in all of the following:

Pricing

Insurer Website

Overall Satisfaction

Policy Offerings

Average call center ratings: Hartford received average scores from policyholders in the Call Center Representative category.

AARP’s services and features

When you subscribe to the basic AARP Advantage car insurance package, you get access to a range of unique features and partnerships that are not commonly offered by other providers.

Standard: RecoverCare for daily activity assistance after an accident

AARP’s Recover Care is a unique standard offering that could help you cover the costs of services for things that have become difficult to do on your own as the result of an accident.

Dog walking

Meal preparation

Lawn mowing

Transportation

Eligibility: The availability of RecoverCare varies by state, so be sure it is available in your home state before you subscribe.

Standard: New car replacement coverage

If you recently purchased a new vehicle that is deemed a

total

loss after an accident, Hartford will cover the cost of purchasing a new vehicle of the same make and model through

new car replacement insurance

Eligibility: Your car must have less than 15,000 miles on the odometer and be within 15 months of the purchase date to qualify.

Standard: 12-month auto insurance rate protection

Most companies will only guarantee your premium rate for six months, but AARP car insurance comes with standard guaranteed 12-month rate protection.

Standard: Lifetime car repair assurance

AARP takes care of finding a repair shop for you after a claim and will subsequently

back the approved repairs with a lifetime guarantee for as long as you lease or own that vehicle.

In addition to the above standard policy features, AARP also offers subscribers some optional features to take advantage of.

Optional: The Hartford’s TrueLane program

If you are an AARP car insurance subscriber, you have the option of signing up for Hartford’s TrueLane program for an opportunity to

save on the cost of your policy

In exchange, you agree to have your driving habits tracked by an electronic device for six months.

You save 10 percent just for signing up for this telematics program. You can save up to 25 percent more if you can maintain good driving habits while you are being tracked.

Optional: AARP driver safety programs

Driving technology has changed a lot in recent years, and AARP driver safety programs can help you take advantage of the newest features to improve your driving skills.

AARP offers members access to online and in-person driver training workshops designed to address the needs of older drivers.

The Takeaway: is AARP right for me?

If you are over 50 and looking for policy options and convenient all-in-one packages that take the guesswork out of buying insurance, AARP car insurance could be a great option for you.

Good features: You get automatic access to a range of features that cater to the needs of older adults.

Good customer ratings: Consistently high customer satisfaction ratings suggest that an AARP car insurance policy could be worth the investment.

High prices: The average policy prices do run on the high end of the scale.

Not customizable or minimal: If you are looking for tailored coverage, minimal coverage, or the cheapest options, AARP insurance might not be for you.

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