Buying a new car can be both exciting and overwhelming. There can be a lot of questions about paperwork or insurance. New car shopping usually comes with some unknowns, so understanding as much as possible before heading to the dealership is important.
Typically, dealerships require you to have car insurance before driving off the lot in your new car. And while getting insurance for a new car is quick and easy, you may review your coverages and decide you want more protection than you had for your old car, especially if it has newer technology or enhanced features that may be more expensive to repair or replace.
Whether you’ve just purchased a new car or you’re thinking of it, we know what you’re probably thinking. “How much is car insurance for my new car?” With the AARP ® Auto Insurance Program from The Hartford, 1 you can get protection for as little as $78*** a month.
However, based on car insurance rates in the U.S., the cost of full coverage car insurance will vary and is dependent on things like:
If you’re wondering how to save on car insurance with your new vehicle, The Hartford offers a number of car insurance discounts and exclusive benefits for AARP members. For example, you can take advantage of our TrueLane program^ and get rewarded for your safe driving. And, when you bundle car and home insurance through the AARP Auto and Home Insurance Program from The Hartford, you can save up to $813.**
Knowing how to insure your newly purchased vehicle is a critical step in the new car buying journey. In fact, making sure you don’t have a between vehicles may save you time and money in the long run. This is because not every car insurance company offers a grace period or extended time being uninsured. It’s best to work with your car insurance company during the buying process so they can inform you of their specific policies.
Being prepared ahead of time and knowing your coverage limitations before purchasing your new car can make the entire process go as smooth as possible. For example, states may have different car insurance requirements for liability, collision and comprehensive insurance, to name a few.
The amount of car insurance you need may also depend on your vehicle ownership status. If you are financing or leasing your new car, both comprehensive and collision coverages are usually required by the financing or leasing company. But if you purchase your car outright, then you technically only need whatever your state requires, even though it may be beneficial to get more protection.
If you’re buying a new car, you want to make sure it’s protected. We can help if you’re wondering “how much car insurance do I need?” While you’ll at least need the minimum required coverages in your state, you’ll likely want even more protection for your new car.
The AARP Auto Insurance Program from The Hartford offers various types of coverages that protect new car owners.
Full coverage car insurance generally refers to an auto insurance policy that meets state requirements for liability insurance and includes comprehensive and collision coverage. Comprehensive coverage can help pay to fix your new car if it’s damaged from theft, vandalism, collision with an animal or natural disasters, while collision coverage helps cover the cost of repairs to your car if you hit another vehicle or object. These coverages can give new car owners peace of mind while enjoying their new ride.
Your typical auto insurance policy helps pay to repair or replace your car based on the actual cash value. But if you owe more on your loan than your car is worth, gap insurance will fill in where your regular insurance isn’t enough. So, in the unfortunate event that your new car is stolen or totaled, gap insurance will help pay the difference.
If you total your new car in a car accident, you don’t have to be without it for long. New car replacement coverage will help to replace it with a new vehicle of the same make, model and equipment, without subtracting anything for depreciation. §§
While every driver has unique needs and the car insurance coverage types you are required to get will depend on where you live, we can help you understand the different options available to you.
You can get an auto insurance quote for your new car online in minutes. Just enter your zip code and answer a few questions about yourself and your new car. You’ll need to provide:
The Hartford is happy to answer any of your questions about car insurance for new cars. To get the protection you need for your new car, get your quote or call 888-546-9099.
Last Updated: July 8, 2024 ^ Not available in all states, terms and conditions apply.*** Based on Maine Auto policyholders 1 vehicle and driver; individual rate/premium/savings will vary based on actual coverage selections and vehicle(s)/driver(s) characteristics.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage ® is a registered mark of The Hartford.
§§ Terms and conditions apply.‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
Additional disclosures below.© 2024 The Hartford
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
