AAA vs. AARP Auto Insurance (2024)
AAA and AARP are two different companies that offer very similar things, from auto insurance to roadside assistance. You’ll want to compare auto insurance quotes before you decide on either company.
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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
UPDATED: Aug 8, 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: Aug 8, 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.
On This Page
- AARP and AAA both offer excellent auto insurance to the people they insure
- AAA has the best overall customer rating, while AARP boasts the highest satisfaction when filing a claim
- AARP may have substantially higher annual premiums, but it might not matter if you’re in the market for more premium services
When choosing between AAA and AARP car insurance, you’ll want to know exactly what you’ll get before you sign up for a policy. But it’s not as simple as just choosing the option that provides cheap auto insurance.
Keep reading to compare auto insurance quotes and policy options from both companies to see how you might benefit from buying car insurance from either insurer.
AAA vs. AARP Auto Insurance: Who has lower rates?
If you assume that AAA, AARP, or most insurance companies are about the same, you’re not alone. However, those who do their due diligence and compare quotes beforehand may be delighted to find they can customize their coverage and save without skimping on customer service.
Below, we compare auto insurance rates by age so you can see how AAA and AARP car insurance stacks up against the top companies in the nation:
Full Coverage Auto Insurance Monthly Rates by Age and Gender
| Insurance Company | 18-Year-Old Male | 18-Year-Old Female | 30-Year-Old Male | 30-Year-Old Female | 45-Year-Old Male | 45-Year-Old Female | 55-Year-Old Male | 55-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|---|---|---|---|---|---|---|---|
| AAA | $378 | $328 | $103 | $99 | $86 | $88 | $81 | $83 | $84 | $86 |
| Allstate | $203 | $180 | $79 | $74 | $59 | $59 | $56 | $56 | $57 | $58 |
| American Family | $414 | $305 | $137 | $116 | $117 | $115 | $111 | $109 | $114 | $113 |
| Farmers | $629 | $597 | $167 | $160 | $139 | $139 | $131 | $132 | $136 | $136 |
| Geico | $254 | $220 | $87 | $90 | $80 | $80 | $76 | $76 | $78 | $78 |
| Hartford | $469 | $407 | $133 | $126 | $113 | $115 | $107 | $109 | $109 | $112 |
| Liberty Mutual | $626 | $626 | $200 | $174 | $174 | $171 | $165 | $162 | $170 | $96 |
| Nationwide | $387 | $303 | $136 | $124 | $115 | $113 | $109 | $107 | $114 | $113 |
| Progressive | $662 | $591 | $136 | $131 | $105 | $112 | $100 | $106 | $103 | $109 |
| State Farm | $284 | $229 | $103 | $94 | $86 | $86 | $82 | $82 | $84 | $84 |
| Travelers | $740 | $530 | $108 | $99 | $99 | $98 | $94 | $93 | $97 | $96 |
| U.S. Average | $501 | $416 | $139 | $128 | $119 | $119 | $113 | $113 | $117 | $117 |
The youngest drivers usually pay the most, regardless. Auto insurance rates usually go down as driver age increases, but only to a point. Many drivers over 60 may see their auto insurance policy increase in cost, even for safe drivers.
A younger driver listed under another’s AARP policy may actually save money in the long run, but the average cost to insure a driver is much lower for AAA. The average AAA policy runs around $160 per month, while AARP will cost you about $200.
This likely has a lot to do with the fact that AARP is not itself an insurance company. Rather, members get their auto insurance through The Hartford. Read The Hartford auto insurance review to compare quotes.
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AAA vs. AARP: Discounts, Roadside Assistance, and Coverages
Before we take a look at the many discounts and policy benefits of both the AAA and AARP, it’s important to understand that AARP is not an insurance company — it is the American Association of Retired Persons.
Both AAA and AARP are membership programs that sell auto insurance coverage through affiliated partners. AARP partners with The Hartford, while AAA uses different partners depending on the state. For example, AAA sells policies through Interinsurance Exchange to drivers in Southern California. Read our Interinsurance Exchange auto insurance review to learn more.
If you’re an AARP or AAA member, this means you’re paying for the premium service of their trusted recommendations, which may or may not be helpful to you. If you’re interested in finding affordable AAA or AARP car insurance, consider the pros and cons of joining either group by reading reviews on the website from actual members.
AAA vs. AARP Auto Insurance Discounts
Both companies offer substantial auto insurance discounts if you qualify, but AARP will be more understanding of a lower credit score. This might benefit you in most states where a credit report can factor into the underwriting process for your policy.
Both companies allow bundling your policy with life and property insurance, and AARP even offers a loyalty discount.
AAA vs. AARP Towing and Roadside Assistance
AAA provides towing and roadside assistance plans to drivers through their own network of regional partners. AARP partners with Allstate to offer roadside assistance to members.
Allstate car insurance offers AARP members a 10%-20% discount off of the company’s standard rates as part of a special promotion.
AAA and AARP offer similar services to their customers if they’ve opted for this feature, from changing a tire, recharging or replacing your battery, or using a winch to pull your car out of a bad spot. The biggest distinction is that AAA provides 200-mile towing coverage and various types of auto theft insurance, while AARP does not.
AAA’s towing distance could be a benefit for folks out there making a long, cross-country trip, considering just how scarce auto services become once you’re driving across I-40 in New Mexico or Arizona.
AAA vs. AARP Auto Insurance Coverages
Both AAA and AARP auto insurance offer policies that meet your state’s auto insurance requirements. That means they will cover you for bodily injury liability, property damage liability, personal injury protection (PIP), medical payments, and uninsured and underinsured motorist coverage (UM and UIM).
They also provide full coverage if you need additional collision and comprehensive insurance.
However, AARP shines where it guarantees you’ll be able to renew your coverage automatically as long as you’re paid up and can acquire a driver’s license. This may not be a concern for many people out there, but for retirees and those on a fixed income, information like this can save them a world of trouble.
AAA vs. AARP Customer Service Ratings and Satisfaction
AARP and The Hartford are below the median complaint rating for auto insurance, but AAA has much more complaints than the average company. Customers also report higher claims satisfaction with AARP.
AAA shines when it comes to the total shopping experience. Those who prefer to use their smartphones to access policy information and check accounts will appreciate the AAA mobile app, as it has a much higher rating on both the Google Play Store and Apple.
AARP does not even have an app on the Apple Store. You’ll use The Hartford’s app instead since it is the actual company providing auto insurance coverage to AARP members.
Claims Satisfaction
Have you ever changed your insurance company based on how you were treated during a previous claim or interrogated during a new policy’s underwriting process? Then you’ll appreciate that AARP pays off during critical times when it comes down to fixing a problem and getting it right for the customer.
For claim satisfaction, AARP outperforms AAA car insurance.
Customer Complaints
Compared to AARP, AAA receives more complaints overall. Its complaint ratio is 3.82, meaning AAA auto insurance receives over three times the amount of complaints than other insurers its size. Since AARP partners with The Hartford, customers will enjoy much better customer service.
However, while AARP is a non-profit organization, The Hartford is a publicly-traded, for-profit insurance business. If you choose to buy AARP auto insurance, once you have a policy, you’ll be handled by a separate, publicly-traded for-profit corporation.
Final Words on AAA vs. AARP Auto Insurance
There are benefits to both AAA and AARP memberships, so make sure you do your research and determine what you need ahead of time. AARP has fewer complaints and special benefits for seniors and retirees, but AAA has lower auto insurance rates on average.
At the end of the day, only you can decide which insurance company can serve you best for what you pay. So, take the time to compare these and more companies with our free quote comparison tool below.
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Frequently Asked Questions
Are AAA and AARP the same?
Although the services provided by AARP and AAA are similar, there are a few differences between the companies. Both provide a wide range of services, such as roadside assistance and exclusive member discounts, but AARP specializes in services for seniors and retired persons.
Each also provides auto insurance, but AARP offers auto insurance through its affiliation with The Hartford, while AAA offers coverage through different affiliates depending on which state you live in.
Does AARP offer reliable auto insurance?
AARP offers auto insurance through The Hartford, a financially stable company with a low number of customer complaints. With an A + financial score from A.M Best, you can rely on The Hartford to pay out your claims.
Is AARP a better deal for vehicle insurance?
Just by being an AARP member, people can save up to 10% on their auto insurance. However, each driver is distinct, and AARP auto insurance rates depend on your age, driving record, and claims history.
What types of coverage do AAA and AARP Auto Insurance offer?
Both AAA and AARP Auto Insurance offer a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. The specific coverage options and limits may vary depending on the policy and state.
Can I get discounts with AAA or AARP Auto Insurance?
Yes, both AAA and AARP Auto Insurance provide various discounts to policyholders. Here are the four common discounts:
- Safe driver discounts
- Multi-policy discounts
- Multi-vehicle discounts
- Good student discounts
It is recommended to inquire directly with the insurance provider for a complete list of available discounts.
Can I switch between AAA and AARP Auto Insurance?
Yes, you have the flexibility to switch between AAA and AARP Auto Insurance if you meet the eligibility requirements for each program. It’s important to compare the coverage, rates, and discounts offered by both providers before making a decision. Additionally, consider any cancellation fees or penalties that may apply if you decide to switch insurers.
How do I obtain a quote for AAA or AARP Auto Insurance?
To obtain a quote for AAA Auto Insurance, you can visit their website or contact a local AAA office. For AARP Auto Insurance, you can visit the AARP website or contact their insurance partner. Provide the necessary information about your vehicle, driving history, and personal details to receive an accurate quote.
Are AAA and AARP Auto Insurance available in all states?
AAA Auto Insurance is available in most states across the United States. However, the specific coverage options, rates, and discounts may vary by state. AARP Auto Insurance is available in select states, and availability may vary. It is advisable to check with each provider for availability in your state.
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.