Car Insurance Discounts & Savings

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Get the Discounts You Deserve

Customers who switched to The Hartford saved over $500.

Looking for an AARP Car Insurance Discount From The Hartford?

At The Hartford, we help those who are 50 and older get the car insurance coverage they need at a rate they can afford. Our AARP® Auto Insurance Program from The Hartford1 offers many benefits for AARP members – like up to 10% savings, just for being an AARP member.
The AARP Auto Insurance Program offers car insurance coverages, like:
 
New car replacement coverage if you total your new car. We’ll even replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
 
RecoverCare§ coverage for help paying for home services, like snow removal, if you’re injured in an accident and can’t do them yourself.
 
Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
 
Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.
 
Accident forgiveness, which excuses your first accident as long as all drivers on your car insurance policy have a clean driving record and are accident-free for five straight years.
 
To learn more, you can get a car insurance quote from us today.
 
AARP car insurance

AARP Auto Insurance 101

Learn more about the AARP Auto Insurance Program from The Hartford in this video.

Discounts on Car Insurance for Safe Driving

Safety Features

You can receive even more savings if your car has safety features, like anti-lock brakes or more than one airbag.
 

Vehicle Fuel Type

We give extra auto insurance driver discounts if your car is a hybrid or electric vehicle.
 

Discount on Auto Insurance for Driver Training and Education

Driver Training Discounts

You can get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course.
 

Defensive Driver Course

If you’ve finished an approved defensive driving course, you can enjoy a discount on your auto insurance for the next three years. Send us a copy of your certificate, and we’ll apply the credit to your car insurance premium.
 

Additional Ways to Save on Car Insurance

Bundle Insurance Savings**

You can get even more savings if you bundle your car and home coverage with the AARP Auto and Home Insurance Program from The Hartford. Moving policies from other insurance companies and bundling them with The Hartford may help you save money. In fact, you’ll save up to 5% on your auto insurance and up to a 20% on your home, condo or renters insurance.
 

Paid-in-Full Discount

Looking for even more ways to lower car insurance? Extra discounts apply if you pay your bill in full, instead of making monthly payments.
 
We’re proud to be a car insurance company that offers so many discounts to our customers. Benefits and discounts vary based on your needs and can vary by state. Learn more about how to save on car insurance with The Hartford.
 

Hear What Customers Say About The Hartford's Auto Insurance Discounts

“Came to Hartford because they offered a big price savings versus my previous supposedly 'discount' insurer. Staying with Hartford for the great claims service which exceeded my expectations by a big margin.”
*****
“The process was quick and easy. I was with the same insurance company for 27 years and was a very tough decision to change. The savings is significant and would recommend it highly, based on the claims departments professional team that handled my claim. Not easy to say in Texas.”
*****
“I had been with my former insurance company for 30 plus years. The savings have been great through Hartford. This company is well worth checking out.”
*****
“My claim was handled professionally, quickly, and compassionately, as well as thoroughly. I had no worries or stress about any of the steps. The auto body shop handled the rental car delivery and pick up. My car was done in the time period that was stated and the job was excellent. No complaints at all. I also had the nice surprise of discounts applied toward my deductible for using this particular shop and for my good driving record.”
*****
“We only recently (within the last year) switched our insurance to Hartford and unfortunately already had to make a claim regarding one of our cars. Every single person we have been in contact with through Hartford has been professional, compassionate, helpful and prompt! So happy we switched, not only for the savings but for better service than we've ever experienced! Thank you Hartford team!”
 
Get a Quote
Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
Savings amounts are averages based on information from The Hartford's AARP Auto Insurance Program customers who became new auto insurance policyholders between 1/1/20 and 12/31/20 and provided data regarding their savings and prior carrier. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from 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 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.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
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.