AARP's car insurance, offered through The Hartford, may be a better option if you're over 50. I'm an AARP member and have looked into The Hartford, but I found that it's on the high side.

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Car insurance premiums are expected to increase 7.5% in 2025, according to AAA. It says last year, average rates went up more than 15%.

AAA provides a variety of services to members across the U.S., including auto insurance through third-party underwriters like the Automobile Club of Southern California and the Automobile Club Group.