Understanding the AARP membership
While famously associated with those over 50, AARP membership is actually open to anyone aged 18 and older, with a particular focus on empowering older adults. The organization provides a vast array of benefits, from discounts to educational resources and political advocacy. Evaluating its worth requires a close look at what you get for the annual fee, which can range from $12 to $20 depending on renewal options and multi-year commitments.
The financial perks: Discounts and insurance savings
The most tangible and often most compelling reason to join AARP is the extensive list of discounts. For many, a single benefit can recoup the annual membership cost. Here's a breakdown of common savings categories:
- Travel: Members can save on rental cars (e.g., up to 35% with Avis and Budget), hotel stays (e.g., up to 10% with Hilton, Best Western, and Wyndham), cruises, and vacation packages booked through the AARP Travel Center powered by Expedia.
- Insurance: AARP offers access to a wide range of endorsed insurance products, including auto and homeowners insurance through The Hartford, Medicare plans through UnitedHealthcare, dental plans with Delta Dental, and life insurance from New York Life. Some members report significant savings, with an average of $577 on car insurance with The Hartford.
- Dining and Shopping: Discounts are available at many national restaurant chains, such as 15% off at Denny's or 10% at Outback Steakhouse. Members can also find savings on cell phone plans with providers like AT&T and Consumer Cellular, as well as discounts on retail purchases.
- Prescription Drugs: The AARP Prescription Discounts program can offer substantial savings on medications, with members typically receiving deeper discounts than non-members.
More than just savings: Advocacy and information
Beyond the financial benefits, AARP plays a significant, if sometimes controversial, role as a political advocate for older Americans. They lobby on critical issues such as Social Security, Medicare, and age discrimination. While this advocacy is a core mission, it's also a point of contention for some who disagree with AARP's political stance or believe it hinders program reform.
Other non-financial benefits include:
- Publications: Members receive subscriptions to AARP The Magazine and the AARP Bulletin, which provide valuable information on health, finance, and aging.
- Educational Resources: AARP provides a wealth of online resources and tools, including a fraud resource center, financial management guides, and a job board for experienced workers.
- Community and Events: AARP organizes both local and online events, from virtual movie screenings and concerts to driver safety courses and brain-boosting games.
The downside: Cost, mail, and alternatives
While membership is inexpensive, it still comes with a cost. The value is only realized if you actively use the benefits. If you don't travel, dine out, or take advantage of their insurance offerings, the minimal cost might not be worth it. Another frequent complaint from members is the high volume of marketing emails and physical mail they receive after joining. While you can opt out of these mailings, it can be a persistent nuisance for some.
It is also wise to compare AARP's offerings with other alternatives. For instance, while AARP offers roadside assistance through Allstate, AAA is more specialized in this area. Some credit cards also offer travel and dining discounts that might overlap with or even exceed AARP's deals. Comparing AARP's endorsed insurance with quotes from other providers is always a good practice.
Weighing AARP against other options
To make an informed decision, it's helpful to compare AARP to other popular services. For example, some may already have sufficient travel benefits through credit cards or other memberships.
| Feature | AARP | AAA | Warehouse Clubs (Costco, Sam's Club) |
|---|---|---|---|
| Cost | Typically $15–$20/year | Varies by level (e.g., $79+/year) | Annual membership fee (e.g., ~$60/year) |
| Primary Focus | Advocacy for 50+, discounts for 18+ | Automotive services, travel | Bulk purchasing, member-only pricing |
| Insurance | Access to endorsed plans (auto, home, health) | Discounts with preferred partners | Varies, often offers access to auto and home insurance |
| Travel Discounts | Hotels, car rentals, cruises | Hotels, car rentals, trip planning | Offers some travel deals and packages |
| Advocacy | Strong political advocacy for seniors | Limited political lobbying | Minimal political advocacy |
| Other Benefits | Magazines, community events, resources | Roadside assistance is a core feature | Bulk savings on groceries, electronics, gas |
The final verdict on AARP
Ultimately, the value of an AARP membership is a personal calculation. For someone who uses one or two key benefits, like a recurring cell phone discount or a few hotel stays per year, the membership can easily pay for itself. If you value the non-monetary benefits—such as the publications, advocacy, or educational resources—it can be a great investment in your future. However, if you are a minimalist consumer who does not frequent partner businesses, or if you prefer to avoid the extra marketing mail, AARP may not be the right fit. The low annual cost makes it an easy investment to test for a year to see if it aligns with your lifestyle and spending habits.
For a deeper look into the specific details of a wide array of AARP member benefits, visit the official AARP benefits page at https://www.aarp.org/membership/benefits/all-offers-a-z/.
In conclusion, rather than a universal necessity, AARP membership is a tool. When wielded strategically by an active and informed member, it can deliver significant value. When left dormant, its value remains limited, but the advocacy and informational services continue to contribute to the greater community it serves. Your decision should be based on your personal needs, lifestyle, and how you plan to engage with the organization's extensive offerings.
