4.8out of 3,000+ reviews

AAA vs The Hartford Car Insurance

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

AAA VS The Hartford
85
93
What is this?
User Ratings
OptionsAAA The Hartford
Rating/Reviews
411 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA The Hartford
Call Center RepresentativeThe restAbout average
Insurer WebsiteThe restBetter than most
Local AgentBetter than most--
Overall SatisfactionAbout averageBetter than most
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA The Hartford
Claim ServicingAbout averageBetter than most
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)The restBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageThe rest
Repair ProcessBetter than mostAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAAA The Hartford
California840 pt
Better than most
835 pt
Better than most
Central833 pt
Better than most
--
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
North Central808 pt
The rest
838 pt
Better than most
Northwest--832 pt
Better than most
Southwest--838 pt
Among the best
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA The Hartford
Android
24,330 Reviews
376 Reviews
iOS
737 Reviews
47 Reviews
Financial Ratings
OptionsAAA The Hartford
A.M. BestAA+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityAAA The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityAAA The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityAAA The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityAAA The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityAAA The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityAAA The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityAAA The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityAAA The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityAAA The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityAAA The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityAAA The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityAAA The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityAAA The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeAAA The Hartford
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%--
teenSMARTUp to 24%Up to 10%
Good DriverUp to 20%--
Anti-Theft DeviceUp to 17%Up to 15%
Good StudentUp to 14.5%Up to 15%
Multiple VehicleUp to 12.5%--
Multiple PolicyUp to 11.8%Up to 20%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVaries--
Anti-lock BrakeVaries--
Driving trainingVariesVaries
Home OwnerVaries--
Low MileageVaries--
Original OwnerVaries--
Defensive Driver--Up to 5%
EV/Hybrid--Varies
Passive Restraint--Up to 3%

Payment Methods

Discount typeAAA The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesAAA The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA The Hartford
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes
Vanishing Deductible
--yes

Online Quoting by State

  • AAA
  • The Hartford
  • Both

Compare Insurance Products

ProductAAA The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes

User Reviews

  • AAA Reviews
  • The Hartford Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
Sort by

Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.