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.
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.
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.
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AAA vs AARP: Auto Insurance Rate Comparison
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|
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.
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
|AAA (Auto Club of Southern California)||4||4||4||3|
|AAA (Auto Club Group)||3||3||3||3|
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.
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.
|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.
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.
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.
The standard coverages offered at both AARP and AAA include:
|Bodily injury liability|
|Property damage liability|
|Personal injury protection (PIP)|
|Comprehensive and collision|
|Uninsured and underinsured motorist|
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.
AAA (Auto Club)
|Defensive driving course|
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.
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.