The Best Homeowners and Auto Insurance for Seniors

Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles AARP de The Hartford.

What Makes the Best Auto and Home Insurance for Seniors?

best homeowners and auto insurance for seniors If you’re wondering how to get the best homeowners and auto insurance for seniors, we can help. The Hartford knows there are many home and car insurance companies out there, which makes it challenging to determine which provider is right for you. However, it’s important to note that companies that offer the cheapest car insurance may not be the best.
 
The Hartford is backed by over 211 years of experience protecting individuals and businesses. Through the AARP® Auto and Home Insurance Program from The Hartford,1 we’ve been protecting older drivers and individuals’ homes since 1984. With our high ratings for customer service and claim satisfaction, The Hartford has earned a reputation as a trusted provider of home and car insurance for seniors.
 
We know how important your home and property are to you and we’re here to make sure you’re covered. In addition to our home insurance coverage options, you can choose car insurance coverages that come with:
 
  • New Car Replacement Coverage:§§ If you total your new car, we’ll pay to replace it with one of the same make, model and equipment, without subtracting anything for depreciation.
  • RecoverCare Coverage:§ We protect more than just your car. If you’re ever injured in an accident, this benefit will help pay for essential home services like cooking and cleaning, along with other needs like transportation.
  • Lifetime Car Repair Assurance: After a covered claim, we’ll help you find a trusted repair service. In fact, we have over 1,600 repair shops in our approved network.
To learn more about the coverages and benefits available to you, call 888-546-9099obtener una cotización online today.
 

Save Money by Bundling Homeowners and Auto Insurance

Seniors have many ways to save money on their auto and home insurance. One of the easiest ways to save is to bundle your car and home coverage with the same insurance company. In fact, you could save over $600** just by bundling your policies with the AARP Auto and Home Insurance Program from The Hartford.
 
You can also receive driver discounts related to your driving habits. For example, if you’re commuting less frequently, reporting decreased mileage on your vehicle can give you additional savings. You can also get discounts by taking a recommended defensive driving course and maintaining a clean driving record.
 
 

Is It Worth It To Bundle Home and Auto Insurance?

Bundling your auto and home policies is a quick and simple way to save money while shopping for insurance. With the AARP Auto and Home Insurance Program from The Hartford, you can save up to 5% on your car insurance and 20% on your renters, condo or home insurance.
 

Types of Homeowners and Auto Insurance Bundles

best auto home insurance for seniors Depending on what type of home you live in, The Hartford has several options when it comes to bundling coverages, including:
 
  • Home and Auto: You can save money by bundling your homeowners and car insurance policies.
  • Renters and Auto: Do you live in an apartment or rent a house? Bundling renters insurance with auto insurance can get you discounts on both policies.
  • Condo and Auto: If you live in a condo, you can bundle your condo insurance with your auto insurance to save.

AARP Homeowners Insurance From The Hartford

The Hartford offers many home insurance coverage options to help make sure your home is fully protected, like:
 
 

Senior Homeowners and Auto Insurance FAQ

Do Auto Insurance Costs Increase With Age?

Does car insurance get cheaper as you get older? Yes and no. In general, studies show that older drivers over 50 years old are relatively safe behind the wheel. They typically drive fewer miles and modify their habits in poor driving conditions, which can qualify them for discounts. However, as a driver’s age increases, so does their risk of being involved in an accident. That’s why drivers 70 years and older may pay higher car insurance rates.2
Edad National Average Annual Premium Cost National Average Monthly Premium Cost
50 $1,596 $133
60 $1,545 $129
70 $1,686 $140

How Much Does Auto Insurance for Seniors Cost?

In 2019, the average annual cost of car insurance in the United States was $1,070.3 However, car insurance rates among different drivers can be higher or lower than the national average based on different factors. Some factors that determine car insurance costs include:
 
  • Lugar
  • Type of vehicle
  • Miles driven per year
  • Driving records
 

How Much Does Homeowners Insurance for Seniors Cost?

The average cost of homeowners insurance in 2019 was $1,272 annually.4 Like car insurance, home insurance rates for seniors can also differ from the national average based on different factors, like:
 
  • Zip code
  • House size
  • Claims history
  • Credit score

Bundle Your Coverage Today

The Hartford will help you save so you can spend your hard-earned money on the things you love. Get these savings by bundling your auto and home coverages through the AARP Auto and Home Insurance Program from The Hartford. Get a bundled home and car insurance quote for seniors today to find out what discounts and benefits are available to you.
 
 
Last Updated: October 5, 2022
 
2 Bankrate, “Auto insurance rates by age in 2022”
 
3 Instituto de Información de Seguros (III), “Facts + Statistics: Auto insurance”
 
4 Insurance Information Institute (III), “Facts + Statistics: Homeowners and renters insurance”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 1/1/22 y 12/31/22. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $507 y el ahorro promedio en el seguro de viviendas es de $120. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
 Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.