How Much Does an AARP Membership Cost?

Written by: Staff
Last Updated:  August 10, 2018

The AARP, a nonprofit, nonpartisan membership organization, was established in 1958 by Ethel Percy Andrus, a retired high school principal.  This was in response to a need for affordable health insurance plans for retired teachers.  This organization is currently one of the leading and most powerful lobbying groups for the interests of the senior citizens in the United States.  AARP has established coalitions globally to promote the quality of life and well-being for senior citizens.  One of its most essential services is discount offers to seniors on consumer goods, insurance services, and prescription drugs.

Just got an AARP card through direct mai by andinarvaez, on Flickr
Just got an AARP card through direct mai” (CC BY 2.0) by andinarvaez

How much does an AARP membership cost?

The annual membership fees for AARP will depend on how long you commit to a membership.  As of 2017, one year for new members is $12 per year, $14 per year if you commit for three years or $12.60 per year if you commit for five years.  The fee covers both the primary applicant and their spouse.  These are the prices for those who are older than 50 years old.

Those under 50 can sign up for a membership, but in order to get a membership, you have to call AARP.  According to, the cost of an Associate membership for those under 50 would cost $12.50 a year. talked about the membership and if it’s truly worth it.  They stated it costs $16 a year, and members will receive access to discounts on insurance and other products and services.

AARP membership overview

Benefits and discounts include access to healthcare products, auto insurance, homeowners insurance, an auto buying program, roadside assistance and other services.  Members also receive discounts on dining, groceries, phone planes, travel and so much more.  Some discounts, for example, include discounts at rental car agencies, up to 20 percent off at popular hotel chains, including the Hilton, Starwood and Wyndam, and access to the AARP Travel Center Powered by Expedia.  Members also receive 15 percent off at Outback Steakhouse, a free doughnut with a purchase of a large drink at Dunkin’ Donuts and 10 percent off at McCormick & Schmick’s.  Refer to our table below for the discounts you can receive as a member:

Insurance- AARP auto insurance program from The Hartford
Travel- Up to 30 percent discount at major car rental companies such as Budget and Avis
- Up to 20 percent discount at hotel chains such as Days Inn, La Quinta, Best Western, Ramada, Wyndham and up to 35 percent off from Endless Vacation Rentals
- Cruise discounts from Norwegian Cruise Line
- Travel insurance options
Food- Carrabba's
- Dunkin' Donuts
- Outback Steakhouse
- Papa John's
- Denny's
- Schwan's Home Service
- Bubba Gump Shrimp Co.
- Bonefish Grill
- Chart House
- Claim Jumper
- Landry's
- Rainforest Cafe
Retail- Amazon Kindle
- Michael's
- Reebok
- Rockport
- The UPS Store
- Movie Tickets from Regal Cinemas
- Tanger Outlets
- LensCrafters
- Ticketmaster
- Walgreens
- Target Optical
- Sears Optical
- Pearle Vision
Technology- AT&T
- Consumer Cellular
- Cricket Wireless
- MONI Smart Security
- Ancestry

NOTE:  For all discounts, refer to their official discount page here.

Members will receive a subscription to AARP The Magazine, an award-winning publication packed with information about state and national legislation and programs affecting those over 50 years old.

Tips to know

Once the process of application is complete, new AARP members gain immediate access to the products and services offered by the organization.

An AARP member does not have to be retired to be approved for membership.  Applicants under 50 years old can join AAPR as an associate member.  Membership, for this age category, is generally a statement of support, and these associate members do not receive the benefits and services of the membership.  The membership is also not limited to U.S. citizens, nor do they have to reside in the United States.

If signing up for the first time, be on the lookout for a special gift offer.  For instance, at the time of this publishing, they were offering either a free Bluetooth speaker or travel bag.

Is an AARP membership worth it?  As a general consensus, it seems as if it is as long as you use a few discounts throughout the year.  For as little as $12 a year, two trips to a participating restaurant or booking at a discounted hotel chain can easily save you more than your annual fee.

How can I save money?

As you can see above, the longer you commit, the more you will be able to save. If you know you want the membership for longer than a year, then it’s best to sign up for three or five-year plans.

First-time members often receive a discount.  Be sure to check out the official website to see if you can take advantage of any savings.  For example, at the time of this publishing, they were offering new members up to 25 percent their first year when they selected the auto-renew option.

Some members mentioned talking with customer service over the phone to negotiate the rate.  In some scenarios, members were able to cut their rates by more than half by simply asking.

Setting up the auto-renewal option can often bring the annual costs down.

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