Despite its long-standing focus on advocating for people aged 50 and older, AARP's membership is open to a surprisingly wide range of ages. The organization’s rebranding from the American Association of Retired Persons reflects its broader mission to help people of all ages live their best lives. This expanded membership allows younger individuals to access a variety of resources, advocacy, and discounts, though some benefits remain age-restricted.
AARP Membership Age Requirements
One of the most persistent myths about AARP is that you must be retired or over 50 to join. This is not the case. The minimum age to become an AARP member is 18. This inclusive policy is a core part of the organization’s strategy to build its membership base and provide resources to people across different life stages.
- Ages 18-49: Members in this age group have access to most AARP benefits, including a wide array of discounts on travel, dining, and shopping. However, they are not eligible for certain age-restricted insurance products, such as the AARP Auto Insurance Program from The Hartford, which requires members to be at least 50.
- Ages 50+: Members in this group receive access to the full spectrum of AARP benefits. This includes eligibility for all insurance products and resources tailored specifically to the needs of older adults, such as information on Medicare and retirement planning.
- Household members: When you join AARP, you can add a spouse or another adult in your household for free, regardless of their age. This allows two people to enjoy the discounts and benefits for a single membership fee.
The Importance of Advocacy
AARP is not just about discounts; it also plays a significant role in political advocacy. The organization leverages its large membership to influence legislation at both the federal and state levels, focusing on issues that impact people aged 50 and older and their families. Topics include health security, financial stability, and personal fulfillment. By joining, even younger members support this important mission.
How to Join and What It Costs
Joining AARP is a straightforward process that can be completed online, by phone, or by mail. The cost of membership is an affordable annual fee, with discounts available for multi-year sign-ups or enrolling in automatic renewal.
- Online: The fastest way to join is via the AARP website. Simply fill out the sign-up form with your information and payment method. You will receive a digital membership card immediately, which you can use to access benefits right away.
- By Phone: For those who prefer to speak with a representative, you can call the membership number provided by AARP.
- By Mail: If you received an offer in the mail, you can complete and return the form with your payment.
The most common options for membership cost, as of 2025, are:
- $15 for the first year with automatic renewal.
- $20 for a standard annual membership.
- Discounts for multi-year memberships (e.g., $55 for three years, $79 for five years).
Comparison of AARP and Other Membership Clubs
To help prospective members understand the value proposition, here is a comparison of AARP with a well-known alternative, AAA:
| Feature | AARP | AAA |
|---|---|---|
| Primary Focus | Lifestyle and advocacy for those 50+, with benefits for all ages | Automotive services (roadside assistance), travel, and general discounts |
| Eligibility Age | 18+ for membership; some benefits restricted to 50+ | 18+ for membership |
| Free Secondary Member | Yes, for any adult in your household | Not standard; some plans allow for family membership at an additional cost |
| Key Discounts | Travel (flights, hotels), dining, insurance, tech (cell plans), entertainment | Roadside assistance, travel, dining, and shopping |
| Cost (as of 2025) | ~$15-20 per year (depending on plan) | Varies significantly by region and plan, but often higher than AARP |
Notable Member Benefits
An AARP membership unlocks a wide array of benefits across numerous categories. The value of these benefits often outweighs the annual fee, making it a compelling option for many people.
- Travel: Discounts on flights, hotels (including Expedia and others), rental cars (Avis, Budget), and cruises.
- Insurance: Access to a variety of insurance products, including auto and home insurance from The Hartford (age-restricted), and health-related plans from UnitedHealthcare.
- Financial Services: Tools for financial planning, fraud prevention resources, and banking products through partnerships with institutions like Barclays.
- Health and Wellness: AARP offers resources and discounts on prescription medications (via Optum Rx), vision care (LensCrafters), and hearing aids, as well as an extensive library of wellness content and online fitness videos.
- Entertainment and Shopping: AARP members can save on dining at many popular restaurants, get discounts on movie tickets, and access savings with various retail partners.
Conclusion
What are the requirements for AARP? The answer is simple: you only need to be 18 years old to join. While AARP maintains its focus on advocating for and providing resources to those aged 50 and over, its doors are open to anyone seeking valuable discounts and a supportive community. The low annual cost, combined with a broad range of benefits across travel, insurance, and everyday spending, makes it a worthwhile consideration for a diverse demographic. For those under 50, it offers a head start on savings and preparation for later life, while older adults can access the full suite of programs designed for their specific needs. By dispelling the common age misconception, AARP ensures that a wider audience can leverage its resources and contribute to its advocacy efforts.
Keypoints
- Minimum Age: Anyone who is at least 18 years old can join AARP.
- No Retirement Required: You do not have to be retired or over the age of 50 to become a member.
- Age-Restricted Benefits: Some specific benefits, like certain insurance products, are reserved for members aged 50 and older.
- Free Household Membership: A primary member can add a second adult from their household to the membership for free.
- Affordable Cost: Membership is affordable, with discounted rates for the first year with auto-renewal and multi-year options.
- Access to Discounts and Advocacy: Members receive a wide range of discounts on travel, dining, and more, while also supporting AARP's advocacy for older Americans.
- Easy Enrollment: You can sign up for an AARP membership online, over the phone, or by mail.
