time icon 7 min read update icon Sept. 20, 2019
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The Hartford offers insurance coverage for AARP members, as well as its top-rated financial backing. It is recommended for its 12-month guaranteed premium rate and other great benefits for seniors.

The American Association Retired Persons, or AARP, is an interest group and nonprofit organization which focuses on improving the quality of life for older adults in the United States. Membership in the AARP is available to adults 50 years and older and provides a range of services, discounts, and benefits. One of those services is auto insurance, which is offered nationally by the Hartford Financial Group. The AARP Auto Insurance Program from The Hartford offers a range of coverage options and add-ons focused on senior adults.

Grandfolk Scoring
Premium 9/10
Deductible 9/10
Customer service 8/10
Customer satisfaction 6/10
Policy options 9/10
Additional benefits 10/10
Financial strength of insurer 10/10
Discounts 9/10
Payments 7/10
Digital interface 8/10
Annual cost of coverage
Varies with personal factors
Annual deductible to be met
Depends on policy selected
Customer service
Customer responsiveness
Mostly responsive
Customer satisfaction
Satisfaction with insurance
Average, with more complaints than the median
Policy options
Auto insurance policy types
Above average options
Additional benefits
Benefits and add-ons types
Well above average benefit/add-on options
Financial strength of insurer
Claim pay ability
Top rated – A.M. Best
Discount types
Above average range
Payments methods
Average payment options
Digital interface
Digital interface accesibility
Above average accessibility
Age Score:
50-64 Years
65-74 Years
75-84 Years

The AARP Auto Insurance Program from the Hartford is tailored specifically to seniors but may become less friendly with advancing age. Billing, policy details and customer service information are all online. If seniors are not comfortable with this platform, it may be difficult to manage payments or changes to the policy. Paper billing is available for an extra fee, and customer service lines are not open 24/7. However, for seniors who are comfortable online, the website offers a clear sign-up process and easily accessible information about different policies.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

Advancing health conditions may make it difficult for some seniors to drive safely and, to maintain this auto insurance coverage, you must have a valid driver’s license. Seniors who complete a safe driver training course, like the one through the AARP, may earn a discount on their premium. This coverage may help with some medical costs for seniors and their passengers who are injured in an accident. The Hartford may offer reimbursement for some home services to members who are injured and need assistance in performing daily tasks, such as lawn mowing and dog walking.


  • Esurance has a very informative and well-organized website with helpful information about coverage and policies. 
  • The company has an A+ rating from A.M. Best, indicating its high financial strength. 
  • Esurance offers lots of ways for customers to save money, including good driving discounts and discounts for signing up online. 
  • The company offers great policy coverage and a very helpful claims process.
  • While you can choose your repair shop, if you choose one in Esurance’s E-star network you will be able to monitor your repair online, and the repairs will be guaranteed for as long as you have the car.


  • While looking at billing and policy information online or on the mobile application is free, it costs extra to have this information mailed directly to members. Some seniors may prefer paper copies over online statements, and they will have to pay an extra free.
  • Esurance is an online-based company and policies are only available in 40 states. If you prefer to visit an office in-person, there are only 17 locations nationwide.
  • Your personal belongings are not covered, so if they are damaged or lost to theft, you will not be reimbursed. 
  • If you owe money on a loan when your car is totaled, Gap Insurance will cover the balance of the loan, but not a new car

Bottom Line:

  • Esurance, a subsidiary of Allstate, is an online-based insurance company with strong financial ratings, a versatile smartphone app and lots of discounts. Its tech-based options are excellent, and its claims service is average for the industry. 
  • Esurance offers Standard auto policies with an emphasis on personalizing coverage. A few of its optional policies may benefit seniors in particular. 
  • This auto insurance may work well for you if you are comfortable with managing your policy online or through a smartphone app. It offers a few perks for senior drivers. 

Frequently Asked Questions:

How do I pay for my policy? You can pay for your policy with a checking/savings account or credit/debit card. Payments are scheduled automatically to maintain coverage. You can set up an annual or monthly payment schedule. If a payment is late, you will be charged a fee. 

How can I make changes to my policy? You can make changes to your policy either on the website or over the phone. While claims service is 24/7, customer service hours are limited.

How do I make a claim? You can make a claim 24/7 over the phone, online or through the Esurance mobile smartphone app. The website provides helpful information on how to process a claim. If you use the Esurance mobile app, it may speed up the appraisal process.

More Information:

Note: All programs, policies, and services may not be available in all states or to all drivers. Please carefully read all policy information for details and talk to a representative to see if you are eligible. 

Product Details

Overview: The Hartford offers auto insurance for AARP members. In addition to common insurance policies, such as Collision or Comprehensive coverage, The Hartford offers extra benefits designed with senior drivers in mind. Some of these benefits are available for an added price.    

Package: The Hartford offers Standard auto insurance policies to AARP members. You can choose the coverage that meets your needs and budget. However, where it shines is in its senior-oriented benefits.
Lifetime Renewability: Meet a few basic requirements, and The Hartford will renew your insurance policy as long as you can drive.

12-month Rate Guarantee: Your premium rate is guaranteed for one year. 

RecoverCare - Assistance After an Accident: If you are injured in an auto accident and need assistance at home, The Hartford may provide reimbursement for some services.  

New Car Replacement Coverage:  If your car is totaled within 15 months or 15,000 miles of when you bought it, The Hartford will pay to replace the new vehicle. It will be the same make, model and equipment with no deductible for depreciation.

Lifetime Car Repair Assurance: The Hartford guarantees repairs made on your vehicle at authorized repair shops for as long as own or lease the car. 

24/7 Claims Hotline: You can report a claim anytime day or night. 

Add-on Services: The optional Advantage PLUS Program includes the following protections:
First Accident Forgiveness: Your premium will not increase after your first accident.
Disappearing Deductible: If you do not get in an accident, your deductible will drop by $100 each year until you reach $0.

One Deductible: You only pay the highest deductible if two of your vehicles are lost. 
Waiver of Deductible for a Not-at-Fault Accident: Your deductible may be waived if you are not at fault in an accident.

$100 Deductible Reduction: You can repair your vehicle at any shop, but if you choose a Hartford-authorized shop, your Collision deductible will be lowered by $100.

Additional Company Details

Contract Details: 

Payment policy: If you pay your annual premium in full, there are no additional installment fees. A small installment fee is added if you set up monthly electronic payments or if you decide to receive your payment information in the mail instead of just online. 

Late payment: Similar to other insurance companies, if you miss a payment, The Hartford may cancel your coverage. 

Cancellation procedure: If you cancel your coverage early, you may pay a fee. Some members report paying a 10% early-cancellation fee. Contact customer service for more information on the cancellation process.
Warranty: Members who enroll in Open Road Advantage policies are automatically given the “No-Drop Promise” if coverage has been active for 60 days or more. Coverage may be affected by other conditions, such as driving under the influence of alcohol. 

Accreditations: The Hartford is not accredited with the Better Business Bureau. However, the company has received an A- rating from the BBB website.

Company Details: The Hartford began in 1810 as fire insurance company with its own fire-fighting employees. The Hartford prides itself on standing by its claims during catastrophes like the Great Fire of New York, the Great Chicago Fire and San Francisco’s 1906 earthquake. The company began insuring automobiles in the early 1900s. The Hartford employs approximately 16,900 employees and aims to help people and businesses prepare for the unexpected, protect assets and prevail through challenges.


The Hartford Personal Lines
PO BOX 14219
Lexington, KY 40512
Phone: 800-423-6789


Jennifer Brooks - Senior Advisor

Jennifer is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.