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AARP insurance review 2024

Updated Mar 14, 2024
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About Bankrate Score

Retirees may find having an AARP membership a helpful way to get auto, life and home insurance. Although not an insurance company itself, the American Association of Retired Persons, known commonly as AARP, provides several services for people over the age of 50 and connects them with partner companies for insurance products.

AARP members who want to find low-cost insurance policies may benefit from working with AARP.

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AARP car insurance

If you’re over 50 and shopping for car insurance, AARP’s auto insurance offerings through The Hartford may provide special perks. Depending on your state, you may have access to The Hartford’s RecoverCare program, which can help pay for services you can’t do yourself if you are injured in an accident. The Hartford also has a large array of discounts to help you lower your car insurance bill.

Coverage is available in all 50 states and Washington, D.C., but specific options can vary by location. While The Hartford offers standard auto insurance, it doesn’t offer much in the way of unique coverage to help them stand out. Instead, AARP membership perks represent some of its most impactful selling points. Customers interested in building a robust auto policy may want to consider other top car insurance companies.

Pros and cons of AARP car insurance

To help determine if The Hartford car insurance for AARP members is a good fit for you, we’ve included some of the pros and cons in our AARP insurance review.

Pros
  • The Hartford scores well on customer claims satisfaction

  • AARP members get extra benefits along with their auto insurance

  • Allows for bundling of home and auto through The Hartford

Cons
  • Eligibility limited to AARP members only

  • Can add some complexity to processes since AARP is not an insurance company but partners with insurers

  • Drivers under 50 aren’t eligible for membership

AARP car insurance discounts

The Hartford offers a variety of discounts to help AARP car insurance customers with the cost of car insurance, which could make it one of the best cheap car insurance companies for drivers over 50. Discount opportunities include savings for being an AARP member, bundling and paying in full.

Available discounts to lower your rates include:

  • AARP member: Members may get discounts of up to 10 percent just for joining.
  • Paid-in-full: You might save on your insurance costs if you pay your premium upfront rather than making monthly payments.
  • TrueLane: Download The Hartford’s app and earn up to 12 percent off your premium. If you continue to allow the app to monitor your driving habits, you could save up to 25 percent at renewal.
  • Bundle insurance: If you also get home, renter or condo insurance through AARP, you can enjoy up to 5 percent off your auto policy and up to 20 percent on your home, renter or condo policy.
  • Defensive driver course: You can potentially save money by signing up for and completing a driving course. All you have to do is send in your certificate of completion. The discount lasts for up to three years.
  • Safe driver training: If you are under 21 (or under 25 in Georgia), you might qualify for a discount if you complete an approved training course.
  • Fuel type: If you drive a hybrid or electric vehicle, you’ll likely get a discount on your premiums.
  • Safety features: If your car has features like anti-lock brakes or additional airbags, you might get a discount on your policy.
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AARP home insurance

An AARP membership may be beneficial for the access it provides to The Hartford home insurance. The Hartford has a reasonable Bankrate Score of 3.8 for its home insurance offerings. It’s helped by its robust coverage options but is hampered by its lack of average rate data and middle-of-the-road support. That means it might be a good choice for people who want the best coverage, even if the customer service isn’t perfect.

Home insurance through The Harford gives members numerous ways to personalize their coverage. Optional coverage types include green rebuilding coverage, disappearing deductible and valuable items blanket coverage, among others.

Pros and cons of AARP home insurance

Like all companies, AARP homeowners insurance through The Hartford has benefits and downsides worth considering before deciding whether to pursue a policy. The following table highlights some points to note about the insurer when reviewing home insurance quotes.

Pros
  • Offers several types of add-on coverage

  • Available in 49 states and Washington, D.C.

  • Offers five ways to save on home insurance policies

Cons
  • No average rates available

  • Only available to AARP members

  • Policies are not issued directly by AARP

AARP home insurance cost

AARP members who are interested in obtaining homeowners insurance through The Hartford will need to reach out to an agent or visit The Hartford's website for a quote. Average rates are unavailable for this carrier. Upon receiving a quote, it may be helpful for comparison's sake to know the average cost of home insurance nationwide is $1,759 per year for $250,000 in dwelling coverage.

AARP home insurance discounts

The Hartford offers a variety of discounts for AARP home insurance buyers to help policyholders with home insurance costs. Discount opportunities include:

  • Retiree discount: You could save money in some states if you work fewer than 24 hours per week.
  • Home security: You might earn a discount for installing a burglar alarm or similar device.
  • Bundling: Getting the AARP auto and home bundle can potentially save you 5 percent on auto and 20 percent on home insurance.
  • Claim-free: The longer you’ve gone without filing a claim, the larger the discount you may receive.
  • Fire protection: Installing sprinklers or monitored alarms can typically net you a discount.
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Quick Facts
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AARP life insurance

AARP members looking for a life insurance company may want to consider AARP’s life coverage through New York Life — especially if health complications have made finding life policies difficult. Though New York Life doesn’t have a Bankrate Score, it could be a strong choice for older people because it has no medical exam requirement and offers a guaranteed acceptance option for those with chronic or severe health issues.

AARP life insurance through New York Life is available in all 50 states, but some products may not be available in all areas.

  • Term: AARP sets term policies to expire when the insured individual reaches age 80. While this cutoff may reduce how viable the policy is for members, it is offered without needing a medical exam. AARP offers a terminal illness rider that can be attached to term plans. Term policies are often recommended for younger demographics and may be best for AARP members who are closer to 50 than 80.
  • Permanent: AARP offers whole life for permanent life insurance, with coverage amounts up to $50,000. These policies may be best for those who want a plan that lasts for their whole life instead of ending at a specific age or time.
    • Whole: Whole life policies last for your entire life (so long as premiums are paid) and include a cash value component. These policies pay out a death benefit to beneficiaries and can accumulate cash value while you live. The cash value can only be accessed while the policy is active and before it pays out a death benefit.
  • Guaranteed: AARP offers guaranteed acceptance policies that are available without medical exams or related questions, but coverage amounts are limited to a maximum of $25,000. However, premiums are fixed and will remain level for the life of the policy.

Pros and cons of AARP life insurance

Before committing to a life insurance quote, review some of the potential pros and cons of the company.

Pros
  • No medical exams

  • Options for guaranteed acceptance

  • Strong financial rating with AM Best

Cons
  • Relatively low coverage limits

  • Minimal options for policy types

  • Few options in the way of policy riders

AARP life insurance endorsements

Many insurers allow you to modify your policies with endorsements. These may alter the coverage amount, change the monthly premium, add clauses for partial payouts and more. The New York Life AARP website doesn’t list many life insurance endorsements on its website, only highlighting its Term Rider Protect Plus endorsement. Other riders may be available by talking with a New York Life agent directly. Remember that adding riders often increases the cost of a life insurance policy.

  • Term Rider Protect Plus: This rider allows you to change the coverage amount on your policy, potentially increasing it by up to double. It also includes a living benefit component that allows you to receive up to half your coverage while you’re still alive if you have been diagnosed with a terminal illness.
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Compare AARP with other insurers

If you’re looking for a home, life or car insurance company and aren’t sure if AARP’s partnerships are right for you, you might want to consider other companies. From cheap life insurance companies to insurers with more personalization options, we’ve compiled some potential alternatives to AARP.

AARP vs. State Farm

If you’re looking for an insurance provider with a proven track record of service, State Farm could be a great choice. The company also has a wide network of local agents, which could be appealing if you don’t prefer to handle your insurance digitally. State Farm earned a 4.3 Bankrate score due to the company’s excellent customer service, competitive average premiums and accessible agents.

Learn more: State Farm Insurance review

AARP vs. Geico

Known for offering low average rates and providing robust digital management options, Geico could be a good option for seniors on a budget. Keep in mind, though, that Geico’s home insurance is underwritten by various third-party companies depending on where you live. High-risk drivers may be especially interested in Geico, as they are known for offering competitive rates for drivers in that category. Its competitive rates helped it tie for a 2024 Bankrate Award for Best Auto Insurance Company Overall.

Learn more: Geico Insurance review

AARP vs. Auto-Owners

Sold by independent agents in 26 states, Auto-Owners could be a good choice for seniors looking for personalized coverage. Auto-Owners offers competitive rates for many drivers and homeowners, helping it tie for a 2024 Bankrate Award for Best Budget Auto Insurance Company. The company offers several policy customization options but may have fewer digital tools available than some alternatives. Its home insurance product, in particular, offers numerous endorsements and discounts to help you build a policy that works best for you.

Learn more: Auto-Owners Insurance review

Is AARP a good insurance company?

For the right people, namely those over the age of 50, AARP’s insurance partners could be a good choice for home, auto and life coverage. AARP members may find the perks and conveniences tailored to their age demographic outweigh the benefits and services from other companies.

Still, options are limited compared to some other insurers, and applicants must be AARP members to apply. Take the time to shop around and compare other insurers before settling on a company to work with.

AARP customer satisfaction

Several third-party companies rank insurers on factors like customer satisfaction and financial strength. Perhaps two of the most significant are J.D. Power and AM Best. J.D. Power ranks companies on a 1,000-point customer satisfaction scale, while AM Best provides ratings for a company’s historical ability to meet financial obligations. As AARP itself is not an insurance company, it does not have third-party ratings for insurance.

Those interested in auto, home or life insurance through their AARP membership should instead research third-party assessments directly tied to the underwriting company — in this case, likely The Hartford or New York Life.

Other AARP tools and benefits

AARP is known for its perks, of which insurance is just one. Some other benefits of being an AARP member include:

  • Discounts: AARP members get access to exclusive member discounts on travel planning, hotels, car rentals, flights, cruises, health and wellness programs and more.
  • Wellness tools: AARP caters to members aged 50 and older, and that population comes with distinct health considerations. AARP provides tools designed to help retired persons live their happiest and healthiest lives.
  • Health programs: With an AARP membership, you may have access to dental and vision insurance, as well as hearing loss support.
  • Job postings: You don’t have to be retired to join AARP. In fact, the community has a thriving job board that might help you find your next career move.
  • Other insurance options: AARP members can work with The Hartford for a variety of insurance coverage options, like flood insurance and umbrella insurance.
  • Financial education resources: AARP members can get help with their taxes and access educational articles and calculators that can help them manage their money.
  • Estate planning: AARP members can likely get a 20 percent discount on estate planning services from Trust & Will.
  • Free online games: Although not the weightiest benefit, AARP offers a selection of free online games. Boredom may occur during retirement years, and these games could help combat that.

Frequently asked questions about AARP

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quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze February 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region.

Auto

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.




Written by
TJ Porter
Contributor, Personal Finance

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by Editor, Insurance