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How To Compare Auto Insurance Quotes

Auto insurance companies have their own unique ways to calculate car insurance rates, but comparing coverage doesn’t have to be difficult. We make it easy for you to compare car insurance quotes with the AARP® Auto Insurance Program from The Hartford.1 With us, you can get great rates, rewards and discounts that can help you save money. We’ve been protecting AARP members and their families since 1984.
When you’re doing an insurance quote comparison, you’ll need to look closely at the policy details. That’s why it’s a good idea to compare car insurance quotes to make sure you get the right policy at the right price.
Follow these three steps to help you compare car insurance quotes:
  1. Gather your information: Insurers require details to put together your auto insurance quote. This can include your age, driving history, driving records, vehicle information and geographic location.
  2. Select your liability limits and coverage levels: Every driver has unique needs and some states have minimum coverage requirements. Because your policy details impact your cost, it’s important to make sure each quote is for the same type and amount of coverage.
  3. Collect quotes and compare rates: You can use a car insurance calculator to help estimate your costs and compare your insurance quotes. Remember that price shouldn’t be the only thing you consider. Just because it’s the lowest quote doesn’t mean it’s the right coverage for you.

Compare Auto Insurance Coverages

Compare auto insurance When you compare auto insurance, it’s important to compare quotes with the same deductible and insurance coverage. Be sure to find out what your state requires for their minimum amount of coverage. Then, decide if you want to add additional types of coverage or higher coverage amounts of the required coverage.
How much car insurance costs will depend on the coverages that you choose, like:
  • Property damage liability coverage: Pays for damage that your car causes to property you don’t own, like mailboxes, fences and other vehicles.
  • Bodily injury liability coverage: Helps pay for medical expenses for people injured in an accident you caused. It also pays for legal fees if you cause an auto accident that injures someone else. Bodily injury liability rates vary but are required by law in most states. This coverage would also cover injuries caused to a pedestrian.
Some other types of coverage include:
You have options to choose from when it comes to your auto insurance coverage. The AARP Auto Insurance Program from The Hartford can help protect you with many types of car insurance coverage. The type of coverage and limits you choose will affect your car insurance premiums.
Compare car insurance rates

Understanding How To Compare Car Insurance Quotes

Insurance prices can vary by car insurance company, but they may also be different for each customer.
Some common factors that car insurance companies look at when calculating insurance prices include your:
  • Policy details, such as coverage for collision, deductible amounts and limits. Don’t forget that certain insurance requirements vary by state, which can also impact your rate. Full coverage will cost more than buying just the minimum required, but you’ll have more protection against the unexpected.
  • Geographic location because each state has their own requirements about the amount of car insurance coverage you must carry.
  • Accident history, which shows how safe you are as a driver. If you have a clean driving record, it can lower your insurance rate. Recent at-fault accidents can have a big impact on your auto insurance rates.

Compare Auto Insurance Rates by State

compare car insurance quotes Requirements for minimum liability car insurance by state can vary depending where you live. For example, our data shows the average car insurance policy costs between $663 and $1,490, depending on the state you’re in. And these costs increase if you add more protection to your policy.2 It’s important to know what your state requires when you make a car insurance comparison.
Learn more about how much car insurance costs per month.

The AARP Auto Insurance Program From The Hartford

When you have a policy with the AARP Auto Insurance Program from The Hartford, you can count on a full range of car insurance coverages to be included in your policy, as well as a few optional benefits for even more protection:
Auto Insurance Features Included Optional
Full Range of Coverage Limits
Full Range of Deductible Options
24-Hour Roadside Assistance
Countrywide Claims Service
24x7 Claim Reporting Service
Customer Repair Service Program (CRSP) with Life of Vehicle Guarantee
Legal Representation for Accidents
New Car Replacement Coverage§§
No Deductible Windshield Repair Service
RecoverCare Essential Services§
Paid In Full or Monthly EFT
Auto & Home Account Policy Savings
Home Ownership Credit (not available with Auto & Home Account Policy Savings)
New Vehicle Discount
Non-Resident Student Discount
Accident Forgiveness (availability varies by state)
Disappearing Collision Deductible

Frequently Asked Questions

How Often Should You Comparison Shop Your Auto Insurance Rates?

Compare car insurance You may want to review your car insurance policy every 6-12 months to make sure you’re getting the coverage you need. You may also want to reach out to your insurance company to see if there are any additional discounts or benefits you may be eligible for. At The Hartford, we offer many discounts to help you save money and benefits to keep you protected.

What's the Best Way To Compare Car Insurance Quotes?

When you want to compare car insurance quotes, remember cheaper is not always better. You will want to look closely at the coverage provided in each quote to be sure you’re getting the right coverage for your needs. You may also want to read reviews of each car insurance company before you decide.

How Can I Get a Quote for Car Insurance?

Get a car insurance quote online or by calling our representatives today at 888-413-8970. Just know that your rate depends on your location, so you’ll have to give your zip code to get your quote. We’ll help however we can. In fact, we’ve offered special pricing and benefits to AARP’s nearly 40 million members since 1984. We’re here to get you the best insurance for your needs with the AARP Auto Insurance Program from The Hartford, helping protect you and your loved ones on the road.
2 Average policy cost data is for 2019 policies with minimum limits for bodily injury and property damage.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. 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 Home product is not available in all areas, including the state of Florida.
§ 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.
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.