Membership requirements: Age and beyond
Contrary to popular belief, AARP is not exclusively for retirees or those over 50. The core eligibility is straightforward and surprisingly broad.
The minimum age requirement
To become a full AARP member, you must be at least 18 years old. This allows access to a wide array of discounts and benefits, though some age-restricted products, particularly certain insurance offerings, are only available to those 50 and older. This policy allows younger members to take advantage of savings on travel, dining, and other services while supporting AARP's advocacy work.
Geographic and other requirements
AARP membership is not limited to U.S. citizens and does not have a residency requirement beyond having an address for correspondence. Members are not required to be retired, so those still in the workforce can also join and utilize the full spectrum of benefits. The only ongoing requirement, once you have joined, is to maintain your membership by paying the annual dues.
How to join AARP: A step-by-step guide
Joining AARP is a simple process that can be completed online, by phone, or by mail.
Signing up online
The fastest way to become a member is by signing up on AARP's official website.
- Visit the AARP website: Navigate to the membership sign-up page on aarp.org.
- Choose your term: Select your preferred membership length, such as one year or a multi-year term for greater savings.
- Provide your details: Fill out the online form with your name, birthdate, and billing address.
- Confirm payment: Enter your payment information to complete the transaction. Your digital membership card will be available instantly.
Signing up by phone or mail
For those who prefer not to use the online portal, AARP offers other enrollment options.
- Phone: You can call AARP's membership department to join over the phone.
- Mail: You can also complete a membership form and mail it in with your payment.
AARP benefits: Over 50 vs. Under 50
While all members can access most discounts, there are some distinctions based on age. The table below provides a side-by-side comparison of benefits.
| Benefit Category | Available for All Members (18+) | Available for Members 50+ | Note |
|---|---|---|---|
| Travel discounts | Yes, including hotels, car rentals, cruises, and flights. | Yes | Savings can be substantial, often offsetting the membership cost. |
| Dining discounts | Yes, at many national chains and local restaurants. | Yes | Restaurant discounts typically range from 10% to 15%. |
| Insurance products | No, eligibility depends on the specific product. | Yes, for AARP-endorsed auto, home, and health insurance plans. | Certain insurance products, like those from The Hartford, require members to be 50+. |
| Financial resources | Yes, access to financial planning guides and resources. | Yes | Available for all ages to prepare for retirement and manage finances. |
| AARP The Magazine | Yes, included with all memberships. | Yes | Delivered to your home and includes celebrity interviews, health tips, and more. |
| Advocacy | Yes, supporting AARP's mission through membership. | Yes | AARP lobbies on behalf of its members on issues like Medicare and Social Security. |
Conclusion
Ultimately, joining AARP is an option for any adult, regardless of age. What is required to join AARP is simply reaching the age of 18 and paying the annual membership fee. While some benefits are reserved for those 50 and over, younger members can still benefit from a large number of discounts, resources, and free publications. The process is quick and simple, with options to enroll online, by phone, or by mail. Many find the savings on everyday expenses more than cover the cost of membership, making it a worthwhile investment for a variety of lifestyles and financial situations.
Is an AARP membership worth it for someone under 50?
For those under 50, an AARP membership can be highly valuable, especially for individuals who frequently utilize discounts on travel, dining, and other services that apply to all members. The savings can often cover the annual fee multiple times over. However, those who primarily seek the age-restricted insurance products will need to wait until they turn 50.
How much does it cost to join AARP?
As of September 2025, the standard annual cost of an AARP membership is around $20, but the price for the first year is often reduced, especially with auto-renewal. Multi-year options are also available at a discounted rate. Additionally, a secondary household member can be added for free.
