Ameriprise vs. The Hartford Car Insurance [2021]

Ameriprise vs. The Hartford – both offer a long list of discounts and great customer service. While Ameriprise averages lower monthly premiums than The Hartford, A.M. Best gives both companies a strong financial rating. From student discounts to AARP benefits, there’s a lot to consider before making a final decision.

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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: Sep 29, 2021

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Here's what you need to know...

  • Both companies offer great discounts, though Ameriprise has a bigger selection
  • The Hartford has a convenient mobile app while Ameriprise uses the AmFam app
  • Both companies have similar financial and customer satisfaction ratings

Ameriprise vs. The Hartford – which is the best for car coverage? When you’re looking for the perfect insurance for your needs, deciding on a specific company can be difficult. Ameriprise and The Hartford are both well-established companies. So, how do you make the right decision?

Both companies have a lot to offer when it comes to understanding your car insurance policy and making the right choice. Making an informed decision can be difficult when there’s so much data to sort through.

Below, explore every factor that should go into making that perfect decision, then enter your ZIP code to compare quotes today.

Does Ameriprise or The Hartford have better car insurance rates?

While both companies offer similar rates, Ameriprise averages lower monthly premiums. In fact, one of the main complaints against The Hartford is that they’re usually more expensive than their competition.

As with all car insurances, rates vary based on several factors. These factors include your vehicle type, the average miles you drive in a year, and your driving history. Your costs will also change based on how many discounts you can claim.

Drivers would need a quote to get an idea of what they would pay, but you can always start with your state’s average.

According to the Insurance Information Institute, Louisiana residents can expect to pay more than the national average since their state has the most expensive car insurance. Maine, on the other hand, enjoys the cheapest average car insurance rates.

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Ameriprise vs. The Hartford: Discounts

One of the best ways to save money on car insurance is to take advantage of discount programs. Most car insurance companies offer discounts to customers, and The Hartford and Ameriprise are no different.

Between the two, Ameriprise is the clear winner for the sheer amount of discounts offered. The Hartford is nothing to laugh at, however. Check below to get an idea of what you could save.

The Hartford Car Insurance Discounts

The Hartford offers the same standard discounts found with most of its competitors. The standout star of The Hartford’s discount program is its affiliation with AARP.

Discount NameDiscount Details
Safety FeaturesEarn discounts for the safety features in your car, such as multiple airbags and anti-lock brakes.
Vehicle TypeHybrid and electric cars earn bigger discounts.
Defensive DriverDrivers who provide proof of passing a defensive driving course earn a discount for 3 years.
Driver TrainingFor drivers under the age of 21 who pass an approved driving course.
Bundle InsurancesThe Hartford offers a variety of insurances. Drivers who use Hartford insurance for multiple needs earn bigger discounts.
Paid-in-FullEarn extra discounts when you pay your premium upfront rather than split into monthly payments.
AARP MemberFor customers that are both over the age of 50 and are AARP members, a 10% discount is available.
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The Hartford offers the most substantial savings and additional benefits to AARP members. Combined with additional benefits, The Hartford is a great choice for anyone over the age of 50.

Ameriprise Car Insurance Discounts

Ameriprise, on the other hand, offers more discounts. Of special interest is their discounts for students. While this works out great for young drivers, Ameriprise offers something for everyone.

Discount NameDiscount Details
Defensive DriverDrivers who pass any DMV defensive driving course earn a discount.
Safety FeaturesFrom extra airbags to anti-theft devices, your car’s safety features can reward you with discounts.
Safe DrivingAny driver that goes 3 years without an accident receives this discount.
Good StudentDrivers under 25 can earn this discount by maintaining a "B" average in school.
GaragingDrivers who park their car in a garage most nights are eligible for this discount.
Student AwayThis discount is for students attending school more than 100 miles from home.
Multi-VehicleEarn this discount by insuring two or more cars with Ameriprise.
EducationAny student that completes at least 4 years of education after high school can apply for this discount.
LoyaltyAmeriprise customers that bundle more than one insurance (like car and home) can receive a discount.
Accident RatingIn the case of accidents the driver is at fault for, Ameriprise can give reduced surcharges to quickly get the driver back to the safe driving discount.
TenureCustomers of at least 3 years will receive this discount.
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Ameriprise vs. The Hartford: Additional Benefits

Discounts aren’t the only thing car insurance companies can offer their customers. Both Ameriprise and The Hartford insurance offer great benefits.

The Hartford Car Insurance Benefits

The Hartford offers a lot of benefits for AARP members. These include over 1600 approved mechanics that can repair your car, car replacement in the case that you total your car, and RecoverCare, which can help you after you’ve been in an accident.

An easy way to get to the Hartford login is to use their simple mobile app. Reviewers say that while it has a few bugs here and there, it’s overall a pleasant app to use.

Non-AARP members can still enjoy accident forgiveness, a disappearing deductible, and (as long as you have comprehensive coverage) labor and towing help.

Ameriprise Car Insurance Benefits

Ameriprise offers a lot of great benefits for its customers. This includes accident forgiveness, windshield repair, repair coverage if you’ve been in an accident more than 100 miles from home, and stolen key coverage.

You have the option of adding towing coverage, the option to pay no deductible on glass damage, coverage for rental cars when your car is down, and the chance to waive your collision deductible in certain cases when you’re not at fault.

Another unique aspect of Ameriprise is its affiliation with Costco. If you have a Costco membership, you’re automatically going to save money.

Ameriprise Car Insurance Rating

Ameriprise has been acquired by American Family and was rebranded as CONNECT. You can still get coverage from Ameriprise – it’s just backed through the substantial financial power of American Family.

Our Ameriprise car insurance review states that while the company has a strong financial presence, they are plagued by customer complaints. However, Ameriprise works hard to resolve customer issues and has been doing better in recent years.

Currently, Ameriprise has an A rating for financial strength with A.M. Best, meaning this company can reliably meet its financial obligations.

If this sounds like the company for you and you’re wondering, “Where’s an Ameriprise near me?” you should know they only serve 43 states. If you’re from Louisiana, North Dakota, Rhode Island, Maine, Alaska, Massachusetts, or Wyoming, you’re out of luck.

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The Hartford Insurance Company Rating

The Hartford began in 1810 as a fire insurance company. Since then, they’ve expanded their selection of services to include car and home insurance. In the 80s, The Hartford partnered with AARP to provide its members with car and home insurance.

For people looking for companies with a strong ethical presence, The Hartford is definitely worth checking out. They’ve been named one of the world’s most ethical companies several years in a row.

The Hartford suffered a financial setback in the late 2000s but has since rebounded. Today, they sit at an A+ financial rating by A.M. Best.

Ameriprise vs. The Hartford: Final Word

Looking at all the information, choosing between Ameriprise or The Hartford car insurance is more complicated than it might originally seem.

Both companies offer a lot of the same benefits, and they overlap in many areas. If you’re stuck trying to choose, consider the following pros and cons.

Ameriprise The Hartford
Pros More discounts available
Excellent student discounts
Discount for Costco members
Great for AARP members
Overall good customer satisfaction
Cons Complaint levels are higher than average
Reviewers say policies can be unclear about costs
Less affordable for non-AARP members
Not as many discounts

Choosing between Ameriprise vs. The Hartford car insurance quotes is a complicated decision, but reviewing all the information will certainly help. Both companies offer similar services, and each has its pros and cons. Ultimately, both companies could provide you with the perfect coverage.

If you’re ready to continue your search and look at quotes, enter your ZIP code below.

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