AARP Auto Insurance Review: Quotes and Service (2025)

Insurance companies like AARP Auto Insurance/The Hartford are rated by outlets such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). Each company focuses on different parts of the insurance business, including customer satisfaction, different experiences by agents or consumers and financial strength. AARP Auto Insurance ranks as average in most categories but higher in financial strength than competitors do. When choosing an insurance company, you should weigh their ratings and compare the auto quotes you receive to determine what factors are most important to you before you make a decision.

MoneyGeek calculated the affordability scores of AARP Auto based on J.D. Power’s survey data. Our analysis determined that AARP Auto is expensive compared to other insurance companies.

Get a personalized quote from AARP Auto to see how much a policy will cost for you. Bear in mind that unless you’re only shopping for the cheapest car insurance available, price shouldn’t be the only factor influencing your decision. Examine other aspects such as customer satisfaction and complaint ratios before deciding which policy suits your needs best.

An auto insurance policy from AARP Auto is expensive when compared with the offers from other companies. Certain insurers have higher rates due to how they calculate factors such as a driver’s age, driving history and location.

The Hartford, the parent company of AARP Auto, offers standard coverages such as liability insurance, comprehensive and collision insurance. It also provides AARP Auto customers the option to purchase some of the most common add-on coverages. You can get roadside assistance, rental car and travel reimbursement, accident forgiveness, gap insurance and deductible modification coverages through The Hartford. The only common add-ons it doesn’t offer are new car and better car replacement coverages.

In terms of unique add-on coverages, The Hartford offers full glass coverage. Rarely offered by other insurers, full glass coverage can help pay for your car’s headlights, mirrors and window repairs with no deductible.

Seniors can expect exclusive features that set AARP Auto Insurance apart from their competitors. Coverages like lifetime renewability, auto rate protection and new car replacement are just some of the features policyholders can purchase. Customers who choose AARP Auto Insurance can save even more by bundling their auto and homeowner’s insurance policies together.

For many people, bundling makes sense and saves money. This isn’t true for everyone, so it’s always a good idea to get quotes from different companies who offer both one or the other and both auto and homeowners to review and compare. This way, you’ll know if you’re getting the best deal while still having all the coverage you need. AARP Auto Insurance offers different types of coverage to be a one-stop-shop for all your insurance needs.

The greater a company’s financial strength, the more likely they are able to meet their obligations, like paying customer claims. AM Best's Financial Strength Rating may not be a guarantee or warranty of a company's longevity, but it can provide peace of mind that if you have to make a claim against the auto insurance company, they’ll be able to pay. AARP Auto Insurance received an A+ Superior rating for several years in a row.