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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Aug 18, 2023

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The Ultimate Aarp Insurance Review 2023: Everything You Need To Know

In today’s world, having reliable insurance coverage is essential for protecting our assets and providing peace of mind. When it comes to insurance options, AARP is often a name that comes up. As a trusted provider, AARP offers a range of insurance policies tailored to the needs of their members. In this comprehensive review, we will delve into AARP’s insurance offerings, including car insurance, home insurance, and life insurance. We will also explore the benefits, drawbacks, and customer satisfaction with AARP insurance. Additionally, we will compare AARP to alternative insurance providers, helping you make an informed decision. So, let’s get started with The Ultimate AARP Insurance Review 2023.

The Obrella Guarantee: Your Trusted Source for Insurance Information

Before we dive into the specifics of AARP insurance, it’s important to establish the credibility and reliability of our information source. At Obrella, we pride ourselves in providing accurate and unbiased insurance information to consumers. We thoroughly research and analyze insurance providers to ensure we present you with the most up-to-date and accurate information available. Our goal is to empower you with the knowledge you need to make informed decisions about your insurance coverage.

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A Quick Overview of AARP Insurance

At its core, AARP insurance is designed to cater to the unique needs of its members. AARP members, typically 50 years and older, benefit from exclusive rates, discounts, and personalized coverage options. The insurance products offered by AARP include car insurance, home insurance, and life insurance.

But what sets AARP insurance apart from other providers? AARP focuses on providing comprehensive coverage at competitive rates, ensuring that its members receive the protection they need without breaking the bank. In addition to affordability, AARP insurance also prioritizes customer satisfaction and offers exceptional customer service.

AARP Car Insurance: Finding the Best Rates

When it comes to car insurance, AARP understands the importance of finding the best rates without compromising coverage. AARP car insurance offers a range of discounts and benefits to its policyholders, tailored to the needs of older drivers. Let’s explore how to save money on AARP car insurance and the benefits it offers.

How to Save Money on AARP Car Insurance

1. Defensive Driving Courses: AARP offers discounts for completing approved defensive driving courses. These courses not only improve your driving skills but also entitle you to reduced premium rates.

2. Multi-Policy Discounts: By bundling your car insurance with other policies, such as home insurance or life insurance, you can enjoy additional savings.

3. Good Driver Discounts: AARP rewards safe drivers with lower premiums. By maintaining a clean driving record, you can benefit from these discounts year after year.

4. Usage-Based Insurance: AARP offers a usage-based insurance program that tracks your driving habits. If you are a responsible driver who travels less frequently, you can potentially save money on your premiums.

Exploring the Benefits of AARP Car Insurance

Aside from competitive rates, AARP car insurance provides several benefits that make it an attractive choice for older drivers:

  • Accident Forgiveness: AARP car insurance offers accident forgiveness, meaning your rates won’t skyrocket after your first at-fault accident.
  • New Car Replacement: If your car is totaled within the first two years of ownership, AARP will replace it with a brand-new vehicle of the same make and model.
  • Uninsured/Underinsured Motorist Coverage: AARP provides additional protection if you are involved in an accident with an uninsured or underinsured driver.
  • 24/7 Roadside Assistance: AARP car insurance includes roadside assistance, ensuring you are never stranded on the side of the road.

AARP Home Insurance: Comparing Rates and Coverage

When it comes to protecting our homes, AARP understands the importance of comprehensive coverage. AARP home insurance offers a range of policies tailored to the unique needs of older homeowners. Let’s explore some tips for getting the most out of AARP home insurance, as well as the pros and cons.

Tips for Getting the Most Out of AARP Home Insurance

1. Evaluate Your Coverage Needs: Take the time to assess your home and belongings to determine the appropriate coverage. By accurately estimating your replacement costs, you can ensure that you have adequate coverage without paying for unnecessary protection.

2. Bundle Policies: Similar to car insurance, bundling your home insurance with other policies, such as car insurance or life insurance, can lead to significant savings.

3. Install Security Measures: AARP offers discounts for homes with security systems, smoke detectors, and other safety features. Installing these measures not only protects your home but also reduces your insurance premiums.

Understanding the Pros and Cons of AARP Home Insurance


  • Competitive Rates: AARP home insurance offers affordable rates tailored to the needs of its members.
  • Exceptional Customer Service: AARP consistently ranks high in customer satisfaction, ensuring that your insurance needs are met promptly and efficiently.
  • Additional Coverages: AARP home insurance offers optional coverages, such as flood insurance, to provide comprehensive protection for your home.


  • Membership Required: To be eligible for AARP home insurance, you must be an AARP member.
  • Limited Availability: AARP home insurance may not be available in all geographic locations.

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AARP Life Insurance: Comparing Providers Made Easy

Life insurance provides financial protection for your loved ones in the event of your passing. AARP understands the importance of affordable and reliable life insurance coverage for its members. Let’s explore how to choose the right AARP life insurance policy and evaluate the benefits and drawbacks.

Choosing the Right AARP Life Insurance Policy for You

AARP offers two types of life insurance policies: term life insurance and permanent life insurance. When choosing the right policy for you, consider the following factors:

1. Coverage Amount: Determine the amount of coverage you need to meet your financial obligations and provide for your loved ones.

2. Duration of Coverage: Term life insurance provides coverage for a specific period, while permanent life insurance offers coverage for your entire lifetime. Consider your needs and long-term financial goals when deciding between the two.

3. Rates and Premiums: Compare the rates and premiums of different AARP life insurance policies to find the most affordable option that fits within your budget.

Evaluating the Benefits and Drawbacks of AARP Life Insurance


  • Guaranteed Acceptance: AARP life insurance policies offer guaranteed acceptance for members aged 50-80, regardless of their health conditions.
  • Premiums That Don’t Increase: Once you secure an AARP life insurance policy, your premiums will not increase as you age.
  • Living Benefit Option: AARP provides a living benefit option that allows you to access a portion of your life insurance proceeds if you are diagnosed with a terminal illness.


  • Limited Coverage Amounts: AARP life insurance policies may have lower coverage amounts compared to other providers, making them less suitable for individuals with significant financial obligations.
  • Membership Required: To qualify for AARP life insurance, you need to be an AARP member.

AARP Customer Satisfaction: What You Need to Know

Customer satisfaction is a crucial factor when choosing an insurance provider. Fortunately, AARP is known for its exceptional customer service and high levels of satisfaction among its members. AARP consistently receives positive ratings for its claims handling, communication, and overall customer experience. This commitment to customer satisfaction sets AARP apart from many other insurance providers, ensuring that you receive the support and assistance you need throughout your insurance journey.

Navigating the Claims Process with AARP

In the unfortunate event that you need to file a claim with AARP, rest assured that their claims process is straightforward and efficient. AARP strives to process claims promptly, minimizing any inconvenience or stress for their policyholders. Their experienced claims teams are dedicated to providing personalized support and guidance throughout the claims process, ensuring that you receive the full benefits of your insurance policy in a timely manner.

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AARP vs. Alternatives: Making an Informed Decision

As with any insurance decision, it’s important to compare AARP to alternative providers to find the best fit for your needs. While AARP offers several advantages for its members, it’s essential to explore options to make an informed decision. Let’s compare AARP car insurance to State Farm and AARP vs. Geico to help you gain a clear understanding of your options.

Comparing AARP Car Insurance to State Farm

Both AARP car insurance and State Farm offer competitive rates and comprehensive coverage options. However, there are some key differences to consider:

  • Age Eligibility: AARP car insurance is exclusively available to individuals aged 50 and older, while State Farm offers coverage to a broader age range.
  • Membership Requirement: AARP car insurance requires AARP membership, while State Farm does not have such a requirement.
  • Discount Opportunities: AARP car insurance offers unique discounts tailored to older drivers, while State Farm may have different discount opportunities.

AARP vs. Geico: Which Insurance Provider is Right for You?

Geico is another well-known insurance provider that offers a wide range of coverage options. Here are some factors to consider when comparing AARP to Geico:

  • Membership Requirement: AARP insurance requires AARP membership, while Geico does not have such a requirement.
  • Age Eligibility: AARP insurance caters specifically to individuals aged 50 and older, while Geico has coverage options for a broader age range.
  • Discount Opportunities: AARP insurance offers exclusive discounts for its members, while Geico may have different discount opportunities.

Ultimately, the best insurance provider for you will depend on your individual needs, preferences, and budget. It’s advisable to obtain quotes from multiple providers and carefully compare their coverage options, rates, and customer satisfaction ratings to make a well-informed decision.

In Conclusion

In summary, AARP insurance provides reliable and comprehensive coverage options for its members. Whether you’re looking for car insurance, home insurance, or life insurance, AARP offers competitive rates, exclusive discounts, and outstanding customer service. While AARP insurance excels in customer satisfaction, it’s essential to compare providers and explore alternative options to find the best fit for your needs. By considering factors such as coverage, rates, and customer satisfaction, you can make an informed decision and enjoy the peace of mind that comes with adequate insurance coverage.

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