The Hartford has updated its automobile underwriting guidelines in Florida, broadening eligibility for higher value vehicles while maintaining strict driver and vehicle criteria under its AARP auto program.
The update, filed with the Florida Office of Insurance Regulation, becomes effective April 2, 2026 and applies to policies written by Hartford Fire Insurance Company.
The primary change increases the maximum allowable vehicle value from $150,000 to $175,000, expanding the range of vehicles that may qualify for coverage. Vehicles exceeding that threshold will still be declined.
The filing also refreshes the insurer’s list of unacceptable vehicles, which targets high performance, exotic, limited production, and high value models associated with elevated loss exposure. The list includes brands such as Bugatti, Lamborghini, Ferrari, Koenigsegg, and Pagani, as well as certain high performance models from manufacturers including BMW, Mercedes‑Benz, Audi, and Tesla.
Eligibility remains tightly defined. The program is restricted to policyholders who are full members of AARP, meaning applicants must be at least 50 years old with active membership status.
The guidelines also establish several underwriting thresholds:
Drivers with serious violations within the past 60 months, such as DUI, reckless driving, felony use of a vehicle, or fleeing police, are declined. Any driver with a license suspension or revocation within the same period is also ineligible.
Applicants may have up to two incidents per driver and three per policy within the past 36 months, including accidents and minor violations. First party injury claims such as PIP, UM, or medical payments are limited to one per person or household during that period.
Drivers without a valid U.S. license, including those with international or foreign licenses, are declined. Applicants requiring SR22 or FR-44 filings within the past 36 months are also ineligible.
Vehicle eligibility remains restricted to standard private passenger autos. Vehicles used for paid delivery, passenger transport, or other commercial purposes are declined. Recreational vehicles, motorcycles, off road vehicles, and antique autos are excluded.
The program also requires continuous insurance coverage. Applicants with a lapse in coverage without a valid explanation are generally declined, although limited exceptions apply for short lapses, military duty, or documented medical hardship.
