AARP vs. AAA: Compare Reviews and Quotes
AARP vs. AAA
If you're searching for auto insurance or a roadside assistance program, AARP and AAA are worth considering. Both insurance companies have a strong financial record and offer excellent customer service.
For drivers looking for their cheapest rate, we recommend AAA, which offered cheaper auto insurance quotes for our sample drivers.
AAA also has greater roadside assistance coverage and discounts, as well as superior overall policyholder satisfaction.
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However, rates can very depending on your unique circumstances and driver profile, so we always recommend comparing quotes from multiple insurers to find your best savings on car insurance.
Here, we some up the pros and cons for both AAA and AARP, and go into further detail below to help identify which company might be best for you.
Best for | AAA | AARP |
|---|---|---|
| Price | ||
| Coverages and discounts | ||
| Shopping experience | ||
| Claims processing | ||
| Overall customer satisfaction | ||
| AAA review | Geico review |
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AARP vs. AAA: Who offers cheaper car insurance?
On average, AAA offers cheaper car insurance than AARP. For example, for a 30-year-old male in California, average annual auto insurance premiums at AAA are $1,754, or $147 per month, compared to AARP's annual rate of $2,364 or $197 per month. The difference between AARP and AAA car insurance quotes for our sample driver is $610 per year.
Car insurance quotes from AAA were also typically cheaper than from AARP for 21-year-old males and females.
Find Cheap Auto Insurance Quotes in Your Area
AAA vs AARP: Auto Insurance Rate Comparison
Age | AAA | AARP (The Hartford) |
|---|---|---|
| 30 year old male | $1,754 | $2,364 |
| 21 year old female | $2,563 | $3,173 |
| 21 year old male | $2,938 | $3,218 |
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To compare AAA and AARP auto insurance rates, we collected sample quotes for three driver profiles with an annual policy in California. Given the wide range of rates across driver profiles, shoppers should always compare quotes from multiple insurers when buying car insurance.
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The difference between AARP and AAA car insurance quotes for our sample driver is $610 per year.\u003C\/p\u003E\n\n\u003Cp\u003ECar insurance quotes from AAA were also typically cheaper than from AARP for 21-year-old males and females.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root ShortcodeImage--root-no-margin\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 1032.75px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-aarp-rates-m_bzaeyr 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-aarp-rates-m_bzaeyr 2x\"\n\/\u003E\n \u003Cimg alt=\"This graph compares auto insurance quotes for AAA and AARP for three different driver profiles\" class=\"lazyload\" 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class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--822\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_compare-aarp-vs-aaa-car-insurance\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" value=\"auto\"\u003EAutomotive\u003C\/option\u003E\u003Coption value=\"home\"\u003EHomeowners\u003C\/option\u003E\u003Coption value=\"life\"\u003ELife\u003C\/option\u003E\u003Coption value=\"motorcycle\"\u003EMotorcycle\u003C\/option\u003E\u003Coption value=\"renters\"\u003ERenters\u003C\/option\u003E\u003Coption value=\"health\"\u003EHealth\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--zip-code\"\u003E\u003Cdiv class=\"ZipCodeInput--root \"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cspan class=\"TextInput--symbol\"\u003E\u003C\/span\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently 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Insurers\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--822\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"dropshadow\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Your Area\",\"trackingKey\":\"_compare-aarp-vs-aaa-car-insurance\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAAA vs AARP: Auto Insurance Rate Comparison\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EAge\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAARP (The Hartford)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E30 year old male\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,754\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,364\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E21 year old female\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,563\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,173\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E21 year old male\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,938\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,218\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Age\",\"AAA\",\"AARP (The Hartford)\"],[\"30 year old male\",\"$1,754\",\"$2,364\"],[\"21 year old female\",\"$2,563\",\"$3,173\"],[\"21 year old male\",\"$2,938\",\"$3,218\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003ETo compare AAA and AARP auto insurance rates, we collected sample quotes for three driver profiles with an annual policy in California. Given the wide range of rates across driver profiles, shoppers should always \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compare quotes from multiple insurers\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003Ecompare quotes from multiple insurers\u003C\/a\u003E\u003C\/span\u003E when buying car insurance.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
AARP vs. AAA: Customer service, reviews and satisfaction
We explore how customers rate their AARP and AAA car insurance policies based on the insurance shopping experience, claims processing satisfaction and overall complaints.
AAA car insurance receives better customer service reviews than AARP
When examining the car insurance shopping experience, including how customers rate their overall satisfaction, policy offerings, price and local agent experience, AAA performed better than AARP.
Results are from J.D. Power's 2019 U.S. Insurance Shopping Study, which used a large customer survey to rate the largest car insurers in the country. Ratings are based on a 5-point scale.
For J.D. Power's purchase experience customer satisfaction index, AAA also received higher marks than AARP. Scores are based out of 1000.
- AAA (Auto Club of Southern California): 867
- AAA (Auto Club Group): 857
- AARP (Hartford): 846
Insurer | Overall satisfaction | Policy offerings | Price | Local agent |
|---|---|---|---|---|
| AAA (Auto Club of Southern California) | 4 | 4 | 4 | 3 |
| AAA (Auto Club Group) | 3 | 3 | 3 | 3 |
| AARP (Hartford) | 3 | 3 | 3 | 2 |
The Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford auto insurance underwrites policies for AARP.
{"alignsHorizontal":["left","right","right","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Insurer","Overall satisfaction","Policy offerings","Price","Local agent"],["AAA (Auto Club of Southern California)","4","4","4","3"],["AAA (Auto Club Group)","3","3","3","3"],["AARP (Hartford)","3","3","3","2"]],"footnote":"The Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford auto insurance underwrites policies for AARP.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EAAA car insurance receives better customer service reviews than AARP\u003C\/h3\u003E\n\n\u003Cp\u003EWhen examining the car insurance shopping experience, including how customers rate their overall satisfaction, policy offerings, price and local agent experience, AAA performed better than AARP.\u003C\/p\u003E\n\n\u003Cp\u003EResults are from J.D. Power's 2019 U.S. Insurance Shopping Study, which used a large customer survey to rate the largest car insurers in the country. Ratings are based on a 5-point scale.\u003C\/p\u003E\n\n\u003Cp\u003EFor J.D. Power's purchase experience customer satisfaction index, AAA also received higher marks than AARP. Scores are based out of 1000.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n AAA (Auto Club of Southern California): 867\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n AAA (Auto Club Group): 857\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n AARP (Hartford): 846\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-ComparisonTable\" data-component-name=\"ComparisonTable\"\u003E\n \u003Cdiv class=\"ComparisonTableRoot-sc-jl9psb bgqgcQ\"\u003E\u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EOverall satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPolicy offerings\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPrice\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ELocal agent\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA (Auto Club of Southern California)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA (Auto Club Group)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAARP (Hartford)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003EThe Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford auto insurance underwrites policies for AARP.\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"ComparisonTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Overall satisfaction\",\"Policy offerings\",\"Price\",\"Local agent\"],[\"AAA (Auto Club of Southern California)\",\"4\",\"4\",\"4\",\"3\"],[\"AAA (Auto Club Group)\",\"3\",\"3\",\"3\",\"3\"],[\"AARP (Hartford)\",\"3\",\"3\",\"3\",\"2\"]],\"footnote\":\"The Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford auto insurance underwrites policies for AARP.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}
AARP beats AAA car insurance for claims satisfaction
Regarding claims satisfaction, customers gave AARP slightly better reviews than AAA, though there are crucial differences across individual categories including first notice of loss (FNOL), repair services, claim processing and settlement.
Results are from J.D. Power’s 2018 U.S. Auto Claims Satisfaction Study. Ratings are based on a 5-point scale.
Insurer | Satisfaction | FNOL | Estimation | Repair | Rental | Service | Settlement |
|---|---|---|---|---|---|---|---|
| AARP (Hartford) | 3 | 4 | 3 | 3 | 4 | 3 | 3 |
| AAA (Auto Club of Southern California) | 3 | 3 | 3 | 3 | 3 | 3 | 4 |
| AAA (Auto Club Group) | 3 | 3 | 2 | 3 | 3 | 2 | 3 |
The Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford underwrites car insurance policies for AARP.
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"claims\" class=\"align-center\"\u003EAARP beats AAA car insurance for claims satisfaction\u003C\/h3\u003E\n\n\u003Cp\u003ERegarding claims satisfaction, customers gave AARP slightly better reviews than AAA, though there are crucial differences across individual categories including first notice of loss (FNOL), repair services, claim processing and settlement.\u003C\/p\u003E\n\n\u003Cp\u003EResults are from J.D. Power\u2019s 2018 U.S. Auto Claims Satisfaction Study. Ratings are based on a 5-point scale.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-ComparisonTable\" data-component-name=\"ComparisonTable\"\u003E\n \u003Cdiv class=\"ComparisonTableRoot-sc-jl9psb bgqgcQ\"\u003E\u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ESatisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFNOL\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EEstimation\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERepair\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERental\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EService\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ESettlement\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAARP (Hartford)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA (Auto Club of Southern California)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA (Auto Club Group)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003EThe Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford underwrites car insurance policies for AARP.\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"ComparisonTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Satisfaction\",\"FNOL\",\"Estimation\",\"Repair\",\"Rental\",\"Service\",\"Settlement\"],[\"AARP (Hartford)\",\"3\",\"4\",\"3\",\"3\",\"4\",\"3\",\"3\"],[\"AAA (Auto Club of Southern California)\",\"3\",\"3\",\"3\",\"3\",\"3\",\"3\",\"4\"],[\"AAA (Auto Club Group)\",\"3\",\"3\",\"2\",\"3\",\"3\",\"2\",\"3\"]],\"footnote\":\"The Auto Club of Southern California and The Auto Club Group are AAA affiliate organizations that underwrite its car insurance policies. Hartford underwrites car insurance policies for AARP.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}
AAA receives fewer complaints than expected, compared to AARP
AAA (Auto Club) receives better customer service ratings than AARP (Hartford), based on the National Association of Insurance Commissioners' (NAIC) complaint index.
AAA received a complaint index of 0.74 in 2018, which was lower than the national median of 1.00, as well as AARP's complaint index of 0.90. AARP's lower complaint index indicates the insurer received a lower frequency of complaints than expected for a company of its size.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EAAA receives fewer complaints than expected, compared to AARP\u003C\/h3\u003E\n\n\u003Cp\u003EAAA (Auto Club) receives better customer service ratings than AARP (Hartford), based on the National Association of Insurance Commissioners' (NAIC) complaint index.\u003C\/p\u003E\n\n\u003Cp\u003EAAA received a complaint index of 0.74 in 2018, which was lower than the national median of 1.00, as well as AARP's complaint index of 0.90. AARP's lower complaint index indicates the insurer received a lower frequency of complaints than expected for a company of its size.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
AARP vs. AAA: Compare coverages, roadside assistance and discounts
AAA offers a more robust roadside assistance and service program than AARP, as well as slightly greater variety of available discounts.
Additionally, both AARP and AAA offer full-coverage car insurance policies that include the standard coverages required or recommended in most states.
The standard coverages offered at both AARP and AAA include:
Coverage | AARP | AAA |
|---|---|---|
| Bodily injury liability | ||
| Property damage liability | ||
| Personal injury protection (PIP) | ||
| Medical payments | ||
| Comprehensive and collision | ||
| Uninsured and underinsured motorist |
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AARP vs AAA: Roadside assistance and towing
AAA's roadside assistance service is slightly more robust than that of AARP.
AARP offers both emergency roadside assistance services, such as for flat tires or dead batteries, and towing coverage, which helps pay for the towing service and costs of repairs at a car repair shop.
AAA's roadside assistance program, however, is more comprehensive and includes tiered membership levels: Basic, Plus and Premier. All three membership tiers include towing services, battery service and locksmith service, among other roadside assistance benefits. AAA's coverage tiers primarily differ in the amount of miles available for towing, coverage limits for particular services and a few other perks related to rental car and travel benefits.
AARP vs AAA: Discounts
AAA offers slightly more variety of discounts to car insurance policyholders than AARP, including for telematics, new vehicles and annual mileage. Overall, however, both insurance companies offered similar discounts.
Discount | AAA (Auto Club) | AARP (Hartford) |
|---|---|---|
| Advance purchase | ||
| Airbags | ||
| Anti-lock brakes | ||
| Anti-theft device | ||
| Defensive driving course | ||
| Good driver | ||
| Good student | ||
| Mileage | ||
| Multiple policies | ||
| Multiple vehicles | ||
| New vehicle | ||
| Pay-in-full |
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The amount of discount applied frequently differs based on location, driver profile and several other variables. Insurance companies may also cap the total potential reduction in annual premium costs, and some discounts may be applicable to only specific coverages rather than the entire policy.
Quote methodology
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
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