Is AARP car insurance cheaper than State Farm?

Generally, State Farm tends to be cheaper than AARP's provider, The Hartford, for many drivers, although The Hartford offers exclusive senior discounts and great service for AARP members, making it competitive for older drivers who might get significant savings through those specific perks, notes Insurify and Compare.com. State Farm often provides lower overall average premiums and better rates for younger drivers, while The Hartford has higher average rates but strong customer satisfaction and benefits for AARP members over 50, according to LendingTree, SeniorLiving.org, and WalletHub.

Is auto insurance cheaper through AARP?

You could save hundreds on car insurance with AARP Auto Insurance from The Hartford. Members can get exclusive savings like up to 10%* off their premium, plus discounts for requesting a quote online or for bundling auto and home policies.

Who has cheaper auto insurance than State Farm?

GEICO and Progressive are better than State Farm, based on factors like average premiums, number of discounts available, and customer service record. GEICO is also one of four top-10 car insurance companies that are cheaper on average than State Farm, along with Travelers and USAA.

How much is AARP car insurance for seniors?

The average cost of AARP auto insurance is $1,332 per 12-month policy — or approximately $111 per month (methodology). AARP members receive discounted car insurance through The Hartford, a company providing auto insurance for drivers older than 50.

How does Hartford compare to State Farm?

Both are well-established companies offering a variety of coverage options and discounts. State Farm offers the cheapest rates overall, but The Hartford provides several unique coverage options, which could help make up for its higher rates.

What insurance is cheaper than State Farm

Who is State Farm's biggest competitor?

State Farm's biggest competitors vary slightly by market (auto vs. home), but Allstate, Progressive, GEICO, and Liberty Mutual consistently rank as major rivals, vying for market share in auto, home, and bundled insurance, with Progressive often challenging for the top auto spot and Allstate a key player in homeowners alongside State Farm's lead. 

How good is AARP Hartford auto insurance?

NerdWallet's take on The Hartford auto insurance

The Hartford earned 4.5 stars out of 5 for its online customer experience as well as its discount offerings. Best for: Drivers with an AARP membership who can take advantage of extra discounts and perks. Not ideal for: Drivers without an AARP membership.

Who has the most affordable car insurance for seniors?

Our analysis has found Geico, The Hartford, Travelers, Progressive, Mercury, Nationwide, Auto-Owners and USAA have some of the most affordable rates for seniors.

What car insurance companies does AARP use?

With AARP Auto Insurance from The Hartford, you'll enjoy average car insurance savings of $577† plus rewards exclusive to AARP members. Through great rates and discounts, The Hartford's policies help protect drivers and their families out on the road.

Is AARP worth it for insurance?

Other benefits

There are also opportunities to save on various insurance products, including special discounts for bundling home and auto insurance. By completing the AARP Smart Driver course, members may qualify for even more savings on auto insurance.

Is AAA cheaper than State Farm?

Generally, State Farm is cheaper than AAA for car insurance, often offering lower rates for both full and minimum coverage, especially for drivers with clean records or minor infractions, though AAA excels in roadside assistance and has strong discounts like continuous coverage. However, premiums vary significantly, so comparing personalized quotes is crucial as AAA offers unique discounts (like paying in full) and may be cheaper in specific situations or locations. 

Who is #1 in auto insurance?

State Farm is the largest car insurance company in the U.S., with nearly $68 billion in direct premiums written in 2024 and a 18.87% market share.

How does credit score affect car insurance?

Your credit score significantly impacts car insurance rates because insurers use a "credit-based insurance score" to predict risk; better credit suggests less risk, leading to lower premiums, while poor credit signals higher risk, resulting in much more expensive rates, though some states restrict this practice, and factors like driving record still matter. 

How does AARP compare to other car insurance?

Is car insurance cheaper with AARP? If you choose a Hartford car insurance policy through AARP, you will receive discounted rates exclusive to AARP members. Still, The Hartford average rates are slightly higher than the national average.

What is the AARP $9 deal for seniors?

Reactivate your AARP membership for only $9 per year with a 5-year membership. Instant access to hundreds of benefits and discounts for your travel, health and financial goals.

What are the major issues of AARP?

The AARP Public Policy Institute focuses on issues importance to older adults: Social Security; health issues; Medicare, Medicaid and the Affordable Care Act; work and retirement; long-term services and supports and family caregiving; consumer protection; livable communities.

What is the best way to lower premiums?

If you're wondering how to get a lower car insurance rate, use these methods for lowering your premium:

1. Qualify for insurance discounts. ...
2. Increase your deductible. ...
3. Reduce your coverage. ...
4. Compare rates. ...
5. Try usage-based insurance. ...
6. Take a defensive driving course. ...
7. Get a car that's cheaper to insure.

Who qualifies for AARP Auto Insurance?

Key Takeaways. AARP memberships come with many perks, one of them being exclusive access to savings and benefits through AARP® Auto Insurance from The Hartford. Requirements for AARP Auto Insurance from The Hartford are easy and include being at least age 50 and having an AARP membership.

Does State Farm have a senior discount?

Like most insurance companies, State Farm does not have a senior discount that automatically lowers rates for all older drivers. In addition to the defensive driving discount, State Farm has other ways for senior drivers to save.

How much should seniors be paying for car insurance?

Average car insurance rates for seniors

A 65-year-old will pay an average of $2,274 per year for full coverage insurance, and $597 per year for state-minimum liability insurance. By contrast, a 75-year-old will pay an average of $2,620 per year for full coverage insurance — a 15% increase.

Who has the cheapest car insurance in the USA?

GEICO is the cheapest large auto insurance company in the nation for liability coverage, with an average rate of $41 a month and $489 a year, according to NerdWallet's November 2025 analysis. Most states require a certain amount of liability coverage to legally drive.

What are common complaints about The Hartford?

Claim communication issues: Some of The Hartford customers said they tried multiple times to get a claims adjuster on the phone and had no success.

Who is the #1 insurance company in the US?

1. State Farm Group. Number one on the list of top 10 insurance companies in America is State Farm.

What is better than AARP?

AARP's top competitors include GetSetup, WellnessLiving, and Meals on Wheels America. GetSetUp operates as a company providing digital literacy and wellness education for older adults within the healthcare and government sectors.