Vehicle Insurance

Get a Quote
Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

Vehicle Coverage You Need at Rates You Can Afford


Why Do You Need Vehicle Insurance?

Vehicle insurance requirements can vary by state. This means you’ll need to be sure you get the right coverage for your area. And depending on how many vehicles you have, you may need more than one type of insurance. At the very least, no matter where you live, you’ll need car insurance coverage.
Vehicle Insurance These auto insurance coverages help protect your finances if you’re in an accident. Certain policies can help pay for repairs or replacement if your car is damaged or stolen. For example, if you’re driving and accidently hit your neighbor’s mailbox, this coverage can help pay for damages to your vehicle.
To learn more about the AARP® Auto Insurance Program from The Hartford, call our specialists today at 888-413-8970.1 They can help you learn more about your state’s car insurance requirements. You can also get a quote online.

Get a Vehicle Insurance Quote Online

Getting an online car insurance quote from The Hartford is so easy you can do it in minutes. Before you start the quote process, make sure you have your:
  • Driver’s license
  • Vehicle registration
  • Documentation from your current auto insurance
To start saving money, get car insurance quotes from us today.

Save Money on Vehicle Insurance With an AARP Membership

We offer anyone 50 years and older insurance coverage for all their vehicles at affordable rates. Some car insurance discounts that can help you save money include:
  • First accident forgiveness: With this benefit, we won’t increase your rates because you have an accident and it won’t count against you.
  • One deductible: If you need to file a claim for a loss involving two of your vehicles which are both insured through the AARP Auto Insurance Program from The Hartford, you’ll pay only the higher deductible.‡‡
  • Disappearing deductible: Your collision deductible goes all the way to $0 each year as long as you maintain a clean driving record.
  • Bundling your insurance: With our 比特币登陆home and auto insurance bundle you can save up to 5% on your auto insurance and up to 20% on your condo, renters and 比特币登陆home insurance.
To learn more about auto benefits for AARP members through The Hartford, call our representatives today at 888-413-8970.

Common Questions About Vehicle Insurance

What Are the Three Primary Types of Car Insurance?

The three primary car coverage types include:
  • Liability insurance: This helps cover costs when you’re held legally responsible for a car accident that causes injury or death to the other driver or their passengers.
  • Collision insurance: If you’re in an accident with another vehicle or object, this coverage can help pay for damages. It can also help cover rollover accidents or someone smashing into your parked car.
  • Comprehensive insurance: This coverage helps pay for damages to your car from accidents with animals like a deer and non-accident related claims. This includes natural disasters, vandalism, theft, fire and falling objects.

How Much Does Vehicle Insurance Cost?

Vehicle insurance rates vary. Factors that insurance companies use to help determine your rate include your:
  • Driving history
  • Vehicle type
  • Deductible amount
  • Average miles driven in a year
  • Coverage limits
  • Vehicle’s age
To learn more about your coverage options and how much vehicle insurance will cost you, contact our representatives today at 888-413-8970 or get an auto insurance quote online

How Do I Calculate My Vehicle Insurance?

We determine your vehicle insurance cost based on factors like driving history and vehicle type, among others. We’ll also need important information to calculate how much your insurance will cost, including:
  • Your claim and insurance history
  • The licensed drivers on your policy
  • How often you use your vehicle
  • Your credit score
  • Your zip code
To learn more, read through our car insurance calculator page. You can also call our representatives at 888-413-8970 or get vehicle insurance quotes online.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ If you total your new car within the first 15 months (12 months in NC) or 15,000 miles after you buy it (whichever comes first), we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any 比特币登陆home policy (比特币登陆home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
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 Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten 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 比特币登陆homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, 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. Auto and 比特币登陆home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern 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 Southern County Mutual Insurance Company. The 比特币登陆home Program is underwritten by Trumbull Insurance Company.

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