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AARP insurance review 2024

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure.

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure.

Editorial integrity

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.

Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.

All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.

At a glance

Bankrate's take

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.

We want to know what you think about AARP

Do you have experience with AARP? Let us know your thoughts.

AARP car insurance review

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

Cons

AARP car insurance cost

Average rates are not available for AARP car insurance, but based on pricing data from Quadrant Information Services, the national average cost for car insurance is $2,311 for full coverage, which includes collision and comprehensive insurance, and $640 for state-mandated minimum coverage. Your own rate is based on a range of factors, including your location, vehicle type and driving history.

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.

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:

Get personalized auto insurance quotes

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

AARP home insurance review

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 coverage options, for which it earned a perfect score of 5.0, but is hampered by its high cost 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, lock replacement coverage or scheduled personal property coverage, among others.

Pros and cons of AARP homeowners 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

Cons

AARP home insurance cost

Multiple factors go into determining how much you will pay for your home insurance, including the amount of coverage you have, your home's location and more. The average cost of homeowners insurance in 2024 is $2,230 per year for a policy with $300,000 in dwelling coverage. We do not have average rate data for AARP, however you should be able to find quotes quickly and easily by contacting an agent in your region.

AARP customer satisfaction

As is true with car insurance, there are ratings available for home insurance companies from third-party organizations such as J.D. Power and AM Best. These groups do not rate the AARP itself since it is not an insurance company, but generally provide ratings for the insurers that AARP works with to provide policies for its members. Once you know which company is underwriting your policy, it's not difficult to find ratings online.

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:

Get personalized home insurance quotes

Answering a few quick questions to check your availability with AARP

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Leaving so soon? Your custom quotes are just minutes away.

AARP life insurance review

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.

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

Cons

AARP life insurance riders

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.

Compare life insurance providers quickly and easily

See which provider is right for you.

Whole life insurance combines life insurance with an investment component.

Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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

Why you can trust Bankrate

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth AARP insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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.

What are real-life customers saying about AARP?

To help you understand what real-life customers are saying about AARP's insurance products, Bankrate's insurance editorial team scanned customer reviews from forums like Quora and Reddit. As with most companies, AARP reviews are mixed based on factors like policy type, underwriter and customer expectations.

Reddit

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

AARP company details

State availability

AARP works with insurers in all 50 states and Washington, D.C., but specific policy options vary by location.

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:

Frequently asked questions about AARP

How do I file a claim with AARP?

AARP doesn’t offer insurance directly. Instead, it partners with insurers with the goal of helping members secure lower-cost insurance. How you file a claim will depend on the type of insurance you’ve purchased and which insurer you’re working with. For AARP auto insurance, claims can be initiated by phone at 1-877-805-9918 or online. Similarly, homeowners insurance claims can be filed by phone at 1-877-805-9918 or online. For life insurance, beneficiaries can initiate a claim by completing an online form or calling 1-800-288-9858.

AARP doesn’t offer insurance directly. Instead, it partners with insurers with the goal of helping members secure lower-cost insurance. How you file a claim will depend on the type of insurance you’ve purchased and which insurer you’re working with. For AARP auto insurance, claims can be initiated by phone at 1-877-805-9918 or online. Similarly, homeowners insurance claims can be filed by phone at 1-877-805-9918 or online. For life insurance, beneficiaries can initiate a claim by completing an online form or calling 1-800-288-9858.

Who is AARP insurance through?

AARP is not an insurance company. Instead, it partners with third-party companies that provide insurance policies to its members. AARP works with The Hartford to provide car insurance and home insurance. The company works with New York Life to provide life insurance.

AARP is not an insurance company. Instead, it partners with third-party companies that provide insurance policies to its members. AARP works with The Hartford to provide car insurance and home insurance. The company works with New York Life to provide life insurance.

Is The Hartford insurance company a good one?

The Hartford insurance company has a 3.7 Bankrate Score (out of a maximum of 5.0) based on customer satisfaction, coverage options, average premiums and more, as well as an A+ financial strength rating from AM Best.

The Hartford insurance company has a 3.7 Bankrate Score (out of a maximum of 5.0) based on customer satisfaction, coverage options, average premiums and more, as well as an A+ financial strength rating from AM Best.

Is AARP a sustainable company?

AARP is a sustainable company per its website. It states that the company’s mission is to empower people to enjoy life as they age. One of the ways it does that is through the AARP Foundation, which helps raise awareness about senior hunger and poverty. It also advocates for social change in ways that benefit seniors. That has included lending its voice to Social Security updates, health care and medical cost conversations and housing considerations.

AARP is a sustainable company per its website. It states that the company’s mission is to empower people to enjoy life as they age. One of the ways it does that is through the AARP Foundation, which helps raise awareness about senior hunger and poverty. It also advocates for social change in ways that benefit seniors. That has included lending its voice to Social Security updates, health care and medical cost conversations and housing considerations.

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