AAA vs. The Hartford Car Insurance [2021]

AAA and The Hartford car insurance are excellent companies with "A" ratings from A.M. Best. However, Hartford has a better BBB rating. AAA car insurance makes up for its poor BBB rating with an average monthly rate of $162/mo, but Hartford car insurance is $31 cheaper. Shop around and compare AAA vs. The Hartford car insurance to secure the best rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 8, 2021

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Here's what you need to know...

  • AAA and The Hartford are excellent companies for senior policyholders
  • The Hartford car insurance is connected to AARP
  • The minimum age requirement for The Hartford car insurance is 50 years old

AAA and The Hartford are excellent car insurance companies, but they come with a few restrictions that you don’t usually see.

Don’t worry – we’re here to help. This car insurance guide explains everything you need to know about AAA vs. The Hartford car insurance quotes, discounts, coverage options, and third-party rating.

Before jumping into this AAA vs. The Hartford car insurance review, compare quotes from multiple car insurance companies near you. Enter your ZIP code in the free comparison tool to get started.

AAA vs. The Hartford Car Insurance Rates: Which company has the cheapest rates?

On average, AAA car insurance is $162 per month. However, Hartford auto insurance is about $131 per month.

The Hartford car insurance is connected to AARP, which has a minimum age requirement of 50 years old.

Most AAA auto insurance companies function as stand-alone clubs. Therefore, you’ll need an AAA membership to get insurance and get a hold of several discounts.

But your car insurance rates will vary. This is because various personal factors determine auto insurance. Here’s a list of factors that affect your AAA and The Hartford car insurance quotes:

  • Age
  • Credit History
  • Commute Mileage
  • Coverage Level
  • Driving Record
  • Gender (outlawed in states)
  • Vehicle

Some factors may not work in your favor. Your AAA or The Hartford auto insurance rates could be more expensive under specific circumstances. However, the right car insurance discounts can lead you to more affordable rates.

If you want to learn more about AAA and The Hartford, read our AAA car insurance review and AARP car insurance review.

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AAA vs. The Hartford Car Insurance: Which company has better discounts?

You can find AAA vs. AARP discounts and comparisons everywhere. But which deals are the most effective? Look at the list below to see AAA’s and The Hartford’s best discounts.

  • New Car Discount – Save up to 30%
  • Multi-Policy Discount – Save up to 15%
  • Safe Driver Discount – Save up to 20%

The Hartford (AARP) has five discounts listed on its website, but it doesn’t mention the value. However, we found three deals that do. Let’s review.

  • Multi-Policy Discount – Save up to 20%
  • Anti-Theft Device Discount – Save up to 15%
  • Defensive Driver Discount – Save up to 5%

AARP car insurance may feel like it already has discounts because the company only covers older drivers.

It’s not likely for young drivers to be connected to AARP auto insurance unless the policyholder has added a young driver to their AARP auto insurance policy.

You can even save money by using paperless payment methods, such as automatic payments or making a payment online. If you want to make payments online, you’ll need to create an AAA login or The Hartford login.

Comparing AAA and The Hartford Car Insurance Coverage Options

AAA’s and The Hartford’s websites explain what coverage options you can add to your car insurance policy. Both companies reassure customers that they provide basic coverage options, such as:

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist
  • Medical Payments (MedPay)
  • Collision Coverage (optional)
  • Comprehensive Coverage (optional)
  • Roadside Assistance (optional but highly recommended)

When we compared The Hartford to AAA, Hartford car insurance is more transparent about its car insurance features and services. In addition to 24-hour roadside assistance, you can file The Hartford claims any time during the week.

Although AAA doesn’t spell out everything about its auto insurance features and services, it’s known for its roadside assistance. To get access to AAA roadside assistance, you have to be a member.

AAA vs. The Hartford Insurance Products

The Hartford and AAA are known for other insurance products, also. But which company has more options to bundle? Let’s compare.

Comparing AAA and The Hartford (AARP) Insurance Products
Other Insurance ProductsAAA AvailabilityThe Hartford Availability
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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AAA insurance doesn’t have as many opportunities to bundle auto insurance coverage. However, your options to save at AAA may open up if you’re a member.

The Hartford insurance shows more promise when it comes to saving money through bundling insurance.

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AAA vs. The Hartford Car Insurance: Which company has the better financial strength and customer review ratings?

According to A.M. Best, AAA has an “A+” rating in some of its companies in the United States. Meanwhile, Hartford carries an “A-” rating. Although these ratings are close, AAA is more financially stable.

Under the Better Business Bureau (BBB), The Hartford has an “A+” rating, but AAA has an “F” rating.

However, J.D. Power’s 2020 Auto Claims study reported that Hartford’s overall customer satisfaction is better than most companies. AAA’s auto claim satisfaction is rated below the industry average.

Does AAA and The Hartford have a presence online?

AAA and The Hartford may not be the biggest car insurance companies, but they have an online presence. You can pay your AAA and Hartford insurance bills online, and you can even use mobile apps provided they provide.

AAA vs. The Hartford Car Insurance: What’s the bottom line?

A lot of factors go into whether affordable AAA vs. The Hartford car insurance is available to you.

You’ll likely get cheaper auto insurance rates from The Hartford since it only insures people 50 and older. Meanwhile, AAA’s car insurance services are only available through an AAA membership.

Hopefully, we have helped you decide whether to buy AAA vs. The Hartford car insurance. Use our free online quote tool to compare multiple companies in your local area and secure the best rates.

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