Overall, you may find that AAA's car insurance rates are cheaper than AARP's car insurance through The Hartford. Driver type The Hartford liability-only monthly premium The Hartford full coverage monthly premium Clean driving record $134 $241 Speeding ticket on driving record $201 $362 At-fault accident on driving record $200 $359 DUI on driving record $209 $377 Teen driver $355 $639 Senior driver (60s) $77 $138 Senior driver (70s) $75 $135 Data sourced from Insurify Like many car insurance companies, AARP and AAA offer discounts that can help you save money on car insurance.