Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 27, 2022

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Key Takeaways

  • The Hartford provides insurance nationwide
  • You must be a member of AARP to purchase The Hartford car insurance
  • The Hartford offers extensive coverage options

Car insurance is essential to staying safe out on the road but choosing the right insurance company out of today’s marketplace can be difficult. Thankfully, free resources like this AARP The Hartford insurance review can help you narrow down your choices so you can find the best company to suit your needs.

Being an AARP member allows you to gain access to many benefits, one of which is an AARP The Hartford car insurance policy. If you’re a driver looking for a policy that not only keeps you street-legal but also grants you impressive optional coverage, a car insurance policy from The Hartford may be an excellent choice for you.

Keep reading this AARP The Hartford car insurance review to learn more about this company and to discover if it has the coverages you need.

What is AARP The Hartford?

Founded in 1810, The Hartford has long called Connecticut home, but today — through its partnership with AARP — The Hartford provides car insurance policies to drivers throughout the United States. It’s also a company that has kept up with the times. With your AARP The Hartford login, you can access your policy documents, make payments, and more.

The Hartford even has a mobile app so you can pull up a digital copy of your insurance card, but if you need an extra physical copy of your card, you can call the AARP Hartford insurance phone number, 860-547-5000, to get a new one sent out to you.

If you are ever in an accident and need to file a claim, you can do so easily. You can choose to log in online to get the process started, or you can call The Hartford claims department at 877-805-9918.

Now, if you want to get car insurance quotes from this company, you’ll need to use the Hartford insurance agents locator tool provided on the company website since only AARP members can use the online quote feature.

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Is AARP The Hartford a highly rated company?

Consumers who only want to work with the best car insurance companies will be heartened to see The Hartford’s ratings. Not only does The Hartford sport an A+ rating from A. M. Best, but it also was awarded an A+ from the Better Business Bureau. These ratings indicate that The Hartford has a long and prosperous future to look forward to. Plus, you can rest assured knowing that this company has the financial stability to pay out any claims that its drivers file.

What coverages does AARP The Hartford provide?

With an AARP Hartford auto insurance policy, you can expect to receive the coverage you need to protect yourself and your vehicle. On top of the traditional coverages that The Hartford offers to drivers, like bodily injury liability or un/underinsured motorist coverage, you can also procure three incredibly useful tools. These include:

  •  12-Month Auto Insurance Rate Protection
  • Lifetime Renewability Auto Insurance
  • RecoverCare

With The Hartford’s 12-Month Auto Insurance Rate Protection, you won’t have to worry about your rates increasing after six months because you can lock in your sign-on rates for an entire year.

Now, another excellent tool that The Hartford has available is Lifetime Renewability Auto Insurance. If you were to purchase a policy with The Hartford that contained this feature, The Hartford company would continually renew your policy. You would, however, be required to meet certain standards. If you want to learn more about this feature, you can always call the AARP auto insurance phone number to get more information.

What truly separates The Hartford car insurance policies from the pack, though, is the RecoverCare feature. Most insurance companies offer medical payments coverage that you can use to help cover the costs of your medical bills, but RecoverCare coverage takes into account more than just your injuries. If you’ve been hurt in an accident, you may be unable to perform simple, yet necessary, tasks like shoveling snow or walking your dog.

With RecoverCare, you can get access to funds that will help you cover the costs of a dog walker or snow removal service.

But those three features aren’t the only impressive coverages this insurance company has to offer. The Hartford even provides classic car insurance coverage through its partnership with Hagerty, a renowned classic car insurance company.

Does AARP The Hartford offer competitive rates?

Sample AARP car insurance rates aren’t available on The Hartford website; however, you don’t have to wait to start budgeting for a new car insurance policy. Below, you can see what the average rate for car insurance is in your state:

Average Annual Car Insurance Rates by State
StateAverage Annual Car Insurance Rates
Alabama$868
Alaska$1,027
Arizona$972
Arkansas$906
California$986
Colorado$981
Connecticut$1,151
Delaware$1,240
District of Columbia$1,330
Florida$1,257
Georgia$1,048
Hawaii$873
Idaho$679
Illinois$884
Indiana$755
Iowa$702
Kansas$862
Kentucky$938
Louisiana$1,405
Maine$703
Maryland$1,116
Massachusetts$1,129
Michigan$1,364
Minnesota$875
Mississippi$994
Missouri$872
Montana$863
Nebraska$831
Nevada$1,103
New Hampshire$818
New Jersey$1,382
New Mexico$937
New York$1,360
North Carolina$789
North Dakota$773
Ohio$788
Oklahoma$1,005
Oregon$904
Pennsylvania$970
Rhode Island$1,303
South Carolina$973
South Dakota$766
Tennessee$871
Texas$1,109
Utah$872
Vermont$764
Virginia$842
Washington$968
West Virginia$1,025
Wisconsin$737
Wyoming$847
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Bear in mind that while car insurance companies all use unique underwriting procedures to calculate your insurance rates, you will typically need to provide detailed information for each quote you fill out online. When you begin shopping for car insurance, be prepared to share information about the make and model of your vehicle, the age of your car, and its mileage.

In addition to that, you’ll need to share your full name, your gender, and your occupation. You’ll even be asked how far you drive during the year.

Since each insurance company has its own variation of the underwriting process, it’s in your best interest to request free quotes from at least five different companies before signing on the dotted line. This strategy will allow you to verify that you can purchase the best policy for your coverage needs.

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What You Need to Know About AARP The Hartford

An AARP The Hartford car insurance policy offers full-bodied coverage that can provide assistance to areas of your life that most other insurance companies don’t even consider. For example, if you’ve been hurt in an accident, you can turn to your RecoverCare coverage and use funds to get household responsibilities taken care of until you’re back on your feet.

Now, if you’re not an AARP member, you won’t be able to purchase a car insurance policy through The Hartford. You can, however, shop online to find the best insurance company for your needs. Always request quotes from at least three companies before settling on a policy so you can verify that you have found the best one for you.