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What to Know
The Hartford car insurance is a good pick for a specific driver profile: an AARP member with a clean record who lives outside California and Florida. According to the U.S. Census Bureau, about 30% of the U.S. population is 55 or older.
Non-AARP members can get coverage from The Hartford through independent insurance agents, but they won't be eligible for the AARP member discount, which can reach 10%. The Hartford requires you to speak with an agent to buy a policy, though you can get a quote online.
The Hartford (AARP)
Best for Drivers 50+- Discounts
- 11
- Online Quotes
- Online Policy Purchase
Why We Like The Hartford
The Hartford auto insurance is our pick for drivers 50+ thanks to its partnership with AARP. The extras suit drivers who plan to keep a car for a long time, including Lifetime Car Repair Assurance, Disappearing Deductible and Accident Forgiveness. Several discounts also reward habits experienced drivers already have, such as a 5-Year Clean Driving Record, a Defensive Driving Course and paying in full. AARP members can save up to 10% on their premium just for carrying a policy from The Hartford.
Pros and Cons
Pros
- Offers accident forgiveness
- Offers new car replacement
- Offers gap insurance
Cons
- Not sold in 2 states
- Can't buy a policy online
Solvable's Take on The Hartford Car Insurance
The Hartford is the right pick for an AARP member with a clean record who values add-ons more than the lowest possible sticker price. New Car Replacement matters if your car is less than 3 years old. Lifetime Car Repair Assurance matters most if you intend to drive the same car for another decade.
Disappearing Deductible rewards years without a claim, and RecoverCare helps with crash-related injuries. If you drive a hybrid or EV, you can get a Hybrid/Electric Vehicle discount.
TrueLane, The Hartford's usage-based discount, is worth considering. It's a usage-based program that prices your premium based on how you drive.
The Hartford Car Insurance Discounts
The Hartford offers the following discounts. Which ones apply and what they're worth depends on your state and your driver profile.
- AARP Membership
- Multi-policy Bundling
- TrueLane (usage-based safe driving)
- Anti-lock Brakes/Safety Feature
- Defensive Driving Course
- On-time/Upfront Payment
- Online Quote
- 5-Year Clean Driving Record
- Hybrid/Electric Vehicle
- Pay-in-Full
- Young Driver Training (under 21/25)
The Hartford Car Insurance Coverage
Liability Coverage
Liability coverage pays for injuries and property damage you cause to other people in a crash. Most states require it.
Collision Coverage
Collision coverage pays to repair your car after a crash, regardless of who caused it. You pay your deductible, the amount that comes out of your pocket, before coverage starts.
Comprehensive Coverage
Comprehensive coverage pays for damage that doesn't come from a crash, such as theft, hail or colliding with an animal.
Uninsured/Underinsured Motorist
This coverage pays your costs when the driver who caused the crash has no insurance or not enough to cover the damage.
Personal Injury Protection and Medical Payments
Both of these coverages pay medical bills for you and your passengers after a crash. Personal injury protection (PIP) may also cover lost wages, depending on your state.
Gap Insurance
Gap insurance covers the difference between what your car is worth and what you still owe on the loan or lease if the car is totaled.
Frequently Asked Questions
Do you have to be an AARP member to get The Hartford car insurance?
The AARP Membership discount sits at the center of this program, so most of the value we describe assumes you're a member. If you're not, you can get car insurance with The Hartford through outside agents, but you'll miss out on the AARP discount.
What is The Hartford's TrueLane discount?
TrueLane is The Hartford's usage-based discount for safe driving, meaning your rate can reflect how you actually drive. Ask how it tracks your driving and what data it collects before you enroll.
Is The Hartford available in every state?
The Hartford doesn't sell car insurance in California or Florida, so drivers in those two states need to compare other carriers.
