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AARP vs. AAA: Auto Insurance Comparison

AARP and AAA go beyond offering standard car insurance. Which one is better?

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AARP vs. AAA: benefits, discounts, and more

AARP's and AAA's offerings may overlap, but there are some distinctions worth noting. While the organizations offer many services, the focus of this comparison is their car insurance-related services. AAA provides car insurance coverage directly, while AARP provides auto insurance via its partnership with The Hartford. Although each program offers an above-average number of coverage options, there are some important differences.

AARP car insurance services

AARP — or the American Associated of Retired Persons — caters to elderly individuals with its auto insurance offerings. Through The Hartford, AARP car insurance is available through two of its membership options: Advantage and Advantage Plus. In addition to standard bodily injury and collision coverages, AARP’s program includes coverage options to suit the needs of older drivers.

Policy PackageAdvantageAdvantage Plus
Lifetime Continuation AgreementYesYes
Full Range of Coverage LimitsYesYes
Full Range of Deductible OptionsYesYes
24-Hour Roadside AssistanceYesYes
Countrywide Claims ServiceYesYes
24/7 Claim Reporting ServiceYesYes
Customer Repair Service Program (CRSP) with Life-of-Vehicle GuaranteeYesYes
Legal Representation for AccidentsYesYes
New Car Replacement CoverageYesYes
No Deductible Windshield Repair ServiceYesYes
RecoverCare Essential ServicesYesYes
Paid-in-Full or Monthly EFT AvailabilityYesYes
Multi-policy DiscountYesYes
Home Ownership Discount (not available with Auto & Home Account Policy Savings)YesYes
New Vehicle DiscountYesYes
Hybrid Vehicle DiscountYesYes
Personal Umbrella DiscountYesYes
Non-Resident Student DiscountYesYes
Annual Policy TermYesYes
Accident ForgivenessNoYes
Disappearing Collision DeductibleNoYes
Deductible Waiver for Not-At-Fault AccidentNoYes
$100 Collision Deductible Reduction w/CRSPNoYes
Emergency Expense CoverageNoYes
One DeductibleNoYes

You do not need to be an AARP member to qualify for The Hartford car insurance. The Hartford is an independent insurance provider.

While some of these policy options are self explanatory, we've broken down some of the unique aspects of AARP's policy features below.

Lifetime Renewability: Your policy will automatically renew as long as you are able to drive and are paying your bill. However, this currently isn't available in Hawaii, Michigan, New Hampshire, North Carolina, or Texas.
RecoverCare Service: This pays up to $2,500 for medical care after an accident. Care is defined as help with household chores, grocery shopping, transportation, cooking, cleaning, or other activities you are unable to complete after a car accident.
One Deductible: This refers to a single deductible for your home and auto policies if you also purchase a home insurance policy from The Hartford using AARP's Advantage Plus package.

AAA car insurance plans

Although AAA is best-known for its roadside assistance program, the organization also sells car insurance. AAA's auto insurance offerings are similar to those of other car insurance companies. See below the advertised features of AAA auto insurance.

Policy FeaturesDetails
Accident ForgivenessYour driving history will determine whether you qualify for this service.
Extended Rental Expense CoverageYour rental car service can be extended after an accident, if you choose this coverage.
Pet CoverageIf your pet — dog or cat — is injured in a crash with you, up to $500 of their vet costs are covered.
12-Month PolicyOption for an annual 12-month policy, rather than a standard six-month policy period.
New Vehicle ReplacementIf your new vehicle is deemed a total loss after an accident (within one year of acquisition), it will be replaced.
Gap CoverageCovers the difference between your vehicle's current value and the value of a loan.
Preferred Repairs ProgramPriority repair service and lifetime warranty on service provided.
Accident AssistAdditional assistance after an accident

Auto and HomeUp to 16%
Auto and Condo/RentersUp to 6%
Auto + Home + LifeUp to 19.8% on auto insurance, 22% on your homeowners
Multi-VehicleUp to 26%
Group MembershipUp to 10%
Advanced Purchase5%
Paid in Full5%
LongevityUp to 12%
OnBoard Service10-20%
Original Owner of VehicleUp to 5%
Student Away from HomeUp to 15%
Good StudentUp to 15%
Driver TrainingUp to 3%

AAA's roadside assistance services separate the organization from other auto insurance providers.

Which one is best for you: AAA or AARP?

Without an AAA roadside assistance membership, the organization's car insurance is not as comprehensive as AARP's program. If you're a retired person and hold an auto insurance policy through The Hartford, consider AARP as a coverage option. AAA and AARP tend to be more expensive than traditional insurance carriers because they provide additional services.

If you’re looking for additional resources regarding car insurance through AARP and AAA, including information on the organizations' roadside assistance programs, see our related articles below.

AARP Roadside Assistance vs. AAA
AAA Roadside Assistance vs. your auto policy
What is a customer loyalty discount?
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Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.

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