AARP and AAA go beyond offering standard car insurance. Which one is better?
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 — 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 Package||Advantage||Advantage Plus|
|Lifetime Continuation Agreement||Yes||Yes|
|Full Range of Coverage Limits||Yes||Yes|
|Full Range of Deductible Options||Yes||Yes|
|24-Hour Roadside Assistance||Yes||Yes|
|Countrywide Claims Service||Yes||Yes|
|24/7 Claim Reporting Service||Yes||Yes|
|Customer Repair Service Program (CRSP) with Life-of-Vehicle Guarantee||Yes||Yes|
|Legal Representation for Accidents||Yes||Yes|
|New Car Replacement Coverage||Yes||Yes|
|No Deductible Windshield Repair Service||Yes||Yes|
|RecoverCare Essential Services||Yes||Yes|
|Paid-in-Full or Monthly EFT Availability||Yes||Yes|
|Home Ownership Discount (not available with Auto & Home Account Policy Savings)||Yes||Yes|
|New Vehicle Discount||Yes||Yes|
|Hybrid Vehicle Discount||Yes||Yes|
|Personal Umbrella Discount||Yes||Yes|
|Non-Resident Student Discount||Yes||Yes|
|Annual Policy Term||Yes||Yes|
|Disappearing Collision Deductible||No||Yes|
|Deductible Waiver for Not-At-Fault Accident||No||Yes|
|$100 Collision Deductible Reduction w/CRSP||No||Yes|
|Emergency Expense Coverage||No||Yes|
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.
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.
|Accident Forgiveness||Your driving history will determine whether you qualify for this service.|
|Extended Rental Expense Coverage||Your rental car service can be extended after an accident, if you choose this coverage.|
|Pet Coverage||If your pet — dog or cat — is injured in a crash with you, up to $500 of their vet costs are covered.|
|12-Month Policy||Option for an annual 12-month policy, rather than a standard six-month policy period.|
|New Vehicle Replacement||If your new vehicle is deemed a total loss after an accident (within one year of acquisition), it will be replaced.|
|Gap Coverage||Covers the difference between your vehicle's current value and the value of a loan.|
|Preferred Repairs Program||Priority repair service and lifetime warranty on service provided.|
|Accident Assist||Additional assistance after an accident|
|Auto and Home||Up to 16%|
|Auto and Condo/Renters||Up to 6%|
|Auto + Home + Life||Up to 19.8% on auto insurance, 22% on your homeowners|
|Multi-Vehicle||Up to 26%|
|Group Membership||Up to 10%|
|Paid in Full||5%|
|Longevity||Up to 12%|
|Original Owner of Vehicle||Up to 5%|
|Student Away from Home||Up to 15%|
|Good Student||Up to 15%|
|Driver Training||Up to 3%|
AAA's roadside assistance services separate the organization from other auto insurance providers.
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.