Aetna Auto Insurance Review (2024)
There is no Aetna auto insurance, but reviews of their health and life insurance are reliable. The company offers coverage in all 50 states and has an A rating with A.M. Best. Learn more in this Aetna auto insurance review. If you’re looking for excellent auto insurance coverage, enter your ZIP code to compare affordable car insurance rates from top auto insurance companies.
Read moreDaniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Aetna Insurance
Average Monthly Rate For Good Drivers
$135A.M. Best Rating:
A-Complaint Level:
LowPros
- Offers health insurance coverage in all 50 states.
- No cancellation fees for policies.
- Provides various discounts to help you save on healthcare.
- A reputable company with a long history in the insurance industry.
- Offers resources to help individuals make informed choices about their health.
Cons
- Does not offer auto insurance coverage.
- Limited to health insurance products and does not cover personal or commercial auto insurance.
- Policies and coverage options may vary depending on the state and individual circumstances.
- Not a specialized auto insurance provider, so options may be more limited compared to dedicated auto insurance companies.
- Customer experiences and satisfaction may vary depending on individual situations and interactions with the company.
If you’re looking for affordable Aetna car insurance, this Aetna auto insurance review will discuss Aetna Insurance, which is a health insurance company. It was started in 1850, and over the past century and a half, the company has expanded and grown to offer insurance products in all 50 states.
In 2018, retail pharmacy chain CVS purchased Aetna Insurance company for approximately $69 billion in cash and stocks and formed CVS Health. In this review, we will continue to refer to the company as Aetna Insurance, however, in order to avoid confusion.
Aetna sells health insurance to families and individuals, as well as to businesses of all sizes. Unfortunately, there is no Aetna car insurance as Aetna Health Insurance does not sell personal or commercial auto insurance coverage.
Looking for Aetna auto insurance quotes? While Aetna car insurance doesn’t exist, you can find cheap auto insurance quotes just by entering your ZIP code.
What You Should Know About Aetna
Aetna helps individuals and businesses attain financial and health security by offering access to high-quality and cost-effective healthcare.
The company has become a leader in the healthcare system by working with hospitals, doctors, public officials, patients, employers, and others.
Aetna strives to offer resources to help people make better choices about how they take care of their health. These resources include access to health information and convenient tools to help make well-informed choices about health-related risks.
Keep reading to learn more about Aetna Insurance.
What is Aetna availability by state?
Aetna offers health insurance coverage in all 50 states.
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Canceling Your Aetna Auto Insurance Policy
What should you do if you need to cancel your policy? You can watch the video below to get an idea of what to expect should you need to cancel your auto insurance policy.
Keep reading to learn more.
Is there a cancellation fee?
Aetna Insurance does not charge a cancellation fee if you need to cancel your policy.
Is there a refund?
Whether or not you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.
Since refund amounts may vary and depend on a variety of factors, you should always check with your insurance agent to see what factors apply to you. Read more about getting a refund on auto insurance here.
How do you cancel?
You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.
When can I cancel?
You can cancel your policy at any time simply by contacting your insurance agent and letting him or her know that you’d like to cancel your policy. Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.
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How to Make an Aetna Auto Insurance Claim
Looking for the Aetna car insurance company to make a claim? Since Aetna Insurance does not offer auto insurance, its claims system works a little differently than with most auto insurance claims, so it’s important to know how to file an insurance claim with Aetna.
As is the case with most health insurance companies, after a visit with your doctor, your insurance company will send you a bill for whatever part of the medical service you received it will not cover.
When a service is not paid for, it is called a denied claim. With Aetna Insurance, if you disagree with a decision made on a denied claim, you are able to appeal the decision in writing and possibly get an independent doctor to review your claim. This is often referred to as an external review.
Watch the video below to get an idea of what you can expect during the claims process. This video pertains to auto insurance claims.
Keep reading to learn more about Aetna Insurance.
Aetna Auto Insurance Ratings
Is Aetna Insurance any good? Aetna Insurance does not offer auto insurance policies, but the company is a leading company in its field of health insurance.
Aetna Insurance has received many awards and recognition by publications and national organizations. For instance, in 2008 Aetna was named a winner by the Institute for Healthcare Advancement in their Health Literacy Awards for the insurance company’s study about asthma health.
Aetna Insurance was ranked #1 in national health plans according to PayerView rankings, and it was also ranked #23 out of a list of 100 best corporate citizens.
In 2009, Aetna was chosen as the preferred partner for health systems and hospitals around the United States. It was also named a top company by DiversityInc for its community development and support of nonprofit organizations.
In 2010, Aetna was given an award by J.D. Power and Associates for having outstanding customer service. The company was also chosen as the International Provider of the Year for Benefits. The company also has an A (Excellent) rating with A.M. Best.
In 2011, Aetna Insurance won an award for “being green.” The company earned the recognition for its elimination of paper for healthcare professionals who wanted to go through the contracting process.
It was also recognized for its focus on ethnic and racial equality and support for a workforce that is culturally diverse.
As mentioned earlier, in 2018, Aetna Insurance was purchased by the retail pharmacy chain, CVS. You can watch the video below to see what kinds of changes this means for Aetna policyholders.
Keep reading to learn more.
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Aetna Insurance Coverage Options
One thing you’ll need to ask yourself before purchasing your auto insurance policy is, “How much insurance coverage do I need?”
If you’re financing your vehicle, your loan company may require you to carry full coverage auto insurance. Otherwise, you’ll need at least the minimum amount of liability auto insurance required by the auto insurance laws in your state of residence.
If you decide that you need more than the minimum coverage required by the state, there are several different options available to you as additional coverage.
Looking for Aetna car insurance rates? While Aetna Insurance does not offer auto insurance policies at this time, you can take a look at the table below to get an idea of the different types of auto policies and coverage available to you, along with what they do.
Types of Auto Insurance Coverage
| Auto Coverage Type | Purpose of Coverage |
|---|---|
| Bodily injury liability | Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident |
| Collision | Covers damage to your car after an automobile accident |
| Comprehensive | Covers damage to your car that happens when you're not driving |
| Personal injury protection | Covers medical expenses for you or your passengers after an automobile accident |
| Property damage liability | The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident |
| Uninsured/underinsured motorist | Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance |
While Aetna does not offer auto insurance, it does offer Aetna Medicare Supplemental Insurance, Aetna Dental, and other Aetna Insurance plans. Again, these are just guidelines and actual prices will vary so it is always wise to do a little comparison shopping for your auto policy before purchasing.
What are Aetna’s bundling options?
Many insurance providers offer different bundling options. Bundling your insurance policies refers to purchasing multiple policies from the same company. If you want to know more about bundling, here is what an auto insurance specialist says about bundling rates.
For example, you can purchase your auto insurance policy as well as your life insurance from the same company if you choose. Most insurance companies offer a discount of anywhere from 5-25 perdent if you choose to bundle.
Check out the video below to learn about the pros and cons of bundling your insurance policies.
Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.
Aetna Insurance Rates Breakdown
How much does Aetna Insurance cost? While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important.
Although Aetna Insurance does not offer auto insurance policies, you can look at the table below to get an idea of what you might pay for auto insurance depending on how much auto insurance you need.
The table shows average, annual rates based on coverage levels.
Average Auto Insurance Rates by Coverage
| Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, auto theft rates in your area, and ZIP code.
If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).
Aetna Discounts Available
Generally, your auto insurance discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry.
The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
Standard Auto Insurance Discounts Offered by Major Companies
| Discounts Offered | Average Percentage of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Military and federal employee discount | 8%–15% | Geico, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Senior/Mature driver discount | 5%–10% | Geico, Allstate, Liberty Mutual |
| Homeowner discount | 3% | State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers |
While Aetna does not offer auto insurance policies, Aetna does offer a series of Discover Discounts that can help you save money on your healthcare.
As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.
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Frequently Asked Questions
What do Aetna employees have to say?
Aetna offers a number of career opportunities for students, recent grads, and experienced professionals. The job types available include behavioral health, actuarial, global opportunities, customer service and claims, finance, and human resources.
One of the reasons that Aetna and the people working for Aetna are successful is because the company is focused on key core values. These core values include employee engagement, integrity, accountability and excellence, and value and quality service.
Aetna believes it is important to balance both a career and personal life, so the company offers many flexible work arrangements. These include part-time, temporary positions, personal, medical, family, and military leave, and telework.
Aetna Insurance offers a number of benefits including life insurance, health insurance, wellness, disability/paid time off, retirement, and savings.
Other benefits include support services such as financial wellness, community involvement, tuition assistance programs for employees, qualified transportation benefits, employee referral program, employee discounts, and direct deposit for paychecks.
Why would my provider cancel my auto insurance policy?
Your auto insurance provider may cancel your policy if you do any of the following:
- Get your driver’s license suspended or revoked
- Lie during the application process
- Fail to pay your auto insurance premium
Your auto insurance company may also choose not to renew your policy if it determines you to be a high-risk driver.
What kinds of questions should I be prepared for when purchasing my auto insurance policy?
When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.
Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.
Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.
By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.
Does Aetna Insurance offer SR-22 insurance?
Since Aetna does not offer auto insurance policies, they also do not offer SR-22 auto insurance policies.
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.
Normally, those who need high-risk auto insurance are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.
The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is steep.
Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541/mo.
How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.
For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.
There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.
Does Aetna offer auto insurance coverage?
No, Aetna Insurance does not sell personal or commercial auto insurance coverage.
Is Aetna Insurance available in all 50 states?
Yes, Aetna offers health insurance coverage in all 50 states.
Are there cancellation fees for Aetna Insurance policies?
Aetna Insurance does not charge a cancellation fee for policies.
How do I cancel my Aetna Insurance policy?
You can cancel your policy by contacting your insurance agent and informing them of your decision to cancel.
What discounts are available with Aetna Insurance?
While Aetna does not offer auto insurance, they provide Discover Discounts that can help you save money on healthcare.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
