Compare AAA vs. The Hartford Insurance

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AAA and Hartford are two of the most influential companies in the car insurance industry. Of course, that’s what happens when you’ve been around for a long time, as is the case for both of these insurers. The Hartford was founded in 1810, in fact--almost 100 years before AAA, which was founded in 1902. So how do they stack up against each other? While AAA is best known for its roadside assistance program, some customers complain that it's not as fast as they would like.

On the other hand, The Hartford is best known for benefitting customers who are AARP members, but it also lacks 24-hour customer service support. Still, both companies have strong J.D. Power and financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA The Hartford
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
The Hartford
  • You’re also an AARP member
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

AAA The Hartford
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA The Hartford
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance The Hartford Car Insurance
2016 30
2015 72
2014 69
2013 67

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance The Hartford Car Insurance
Overall Purchase Experience Average Among the best
Policy Offerings Average Among the best
Pricing Average Among the best
Local Agent Average Average
Call Center Representative Above average Average
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance The Hartford Car Insurance
Overall Satisfaction Above average Above average
First Notice of Loss Above average Above average
Service Interaction Above average Below average
Appraisal Average Average
Repair Process Among the best Among the best
Rental Car Experience Above average Average
Settlement Above average Above average

Financial Strength Ratings

AAA Car Insurance The Hartford Car Insurance
A.M. Best A+ A
Moody's -- A2
S&P's A A

Mobile Apps

AAA The Hartford
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

AAA The Hartford
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.