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Aleksandra J. Churlinov holds a Bachelor of Arts in English Language and Literature and a Master of Science in Marketing Management. Over the past six years, Aleks has focused on the insurance sector, working on a range of content, including business, auto, and life insurance. In April 2025, she stepped into the role of Managing Editor, where she now leads a team of talented insurance writers. ...
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Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Updated June 2026
Both The Hartford and Auto Club Enterprises, a company affiliated with AAA insurance, offer solid protection for auto, home, renters, and life insurance.
So, which is better when deciding between The Hartford vs. Auto Club Enterprises? This isn’t an easy choice.
The Hartford offers more protection in more states. Award-winning customer service, additional coverage types you won’t find elsewhere, and specialized discounts for AARP members set The Hartford ahead of Auto Club.
Auto Club vs. The Hartford Insurance Rating
Rating Criteria 
Overall Score 4.4 4.3
Business Reviews 4.3 4.5
Claim Processing 4.6 4.8
Company Reputation 4.4 4.5
Coverage Availability 4.8 5.0
Coverage Value 4.4 4.3
Customer Satisfaction 4.5 2.1
Digital Experience 4.2 4.5
Discounts Available 5.0 5.0
Insurance Cost 4.3 4.0
Plan Personalization 4.4 4.5
Policy Options 4.0 4.1
Savings Potential 1.5 4.3
Auto Club Review The Hartford Review
Auto Club Enterprises isn’t a bad company by any means. However, it only provides insurance to AAA members in 18 states and lacks standout coverage or discounts that set it apart from the competition.
Keep reading this comparison of Auto Club and The Hartford to find out which company you should choose. Find cheap insurance rates in your area by entering your ZIP code into our free quote tool.
You’ll find all the usual auto insurance types at The Hartford and Auto Club Enterprises, including liability, collision, comprehensive, uninsured/underinsured motorist protection, and medical payments.
Though each insurer offers a few additional services. For example, Auto Club offers gap insurance for drivers who finance or lease their vehicles, giving them more room to customize their policy.
On the other hand, reviews of Hartford auto insurance suggest that the company does not offer gap insurance, which pays the difference between your car’s actual cash value and the remaining loan balance after a total loss.
Neither company has rideshare coverage, so Uber or Lyft drivers would need to look elsewhere for this type of coverage.
Auto Club vs. The Hartford Car Insurance Coverage Options
Coverage
Collision ✅ ✅
Comprehensive ✅ ✅
Gap Insurance ✅ ❌
Liability ✅ ✅
Medical Payments (MedPay) ✅ ✅
New Car Replacement ✅ ✅
Personal Injury Protection (PIP) ✅ ✅
Rental Reimbursement ✅ ✅
Rideshare Insurance ❌ ❌
Uninsured/Underinsured Motorist ✅ ✅
You may not need some of the coverage offered by The Hartford, while certain types of protection from Auto Club Enterprises are only available in specific states.
Moreover, both The Hartford and Auto Club Enterprises charge average car insurance rates. That means they may not be the cheapest company out there, but they won’t be the most expensive either.
Dani Best Licensed Insurance Producer
The best way to compare Auto Club and The Hartford is to request quotes with the same coverage limits and deductibles.
Different coverage levels can significantly affect your monthly premiums. Minimum coverage offers the lowest rates, but it also provides the least protection if you’re involved in a serious accident.
Full coverage combines liability, collision, and comprehensive insurance, giving you more protection, but it’s also more costly.
Auto Club vs. The Hartford: Auto Insurance Monthly Rates by Coverage
Insurance Company Minimum Coverage Full Coverage
$49 $130
$61 $161
$87 $228
$76 $198
$43 $114
$63 $164
$56 $150
$38 $101
$47 $123
Auto Club car insurance minimum coverage costs $49 per month. That’s cheaper than Allstate ($87) and Farmers ($76), but a bit higher than Geico ($43) and Safeco ($38).
The Hartford car insurance rates are higher, at $61 for minimum coverage and $161 for full coverage, positioning Auto Club as the more budget-friendly option.
Compared with major insurers, Auto Club ranks in the middle, while The Hartford sits on the higher end.
Age and gender are some of the biggest factors insurers use to calculate car insurance rates. Below, we break down the average cost of auto insurance based on both age and gender.
Younger drivers are statistically more likely to be involved in accidents, which is why they face the highest rates with both Auto Club and The Hartford.
Auto Club vs. Hartford Car Insurance Monthly Rates by Age & Gender
Age & Gender
16-Year-Old Female $246 $306
16-Year-Old Male $269 $335
25-Year-Old Female $57 $73
25-Year-Old Male $59 $77
35-Year-Old Female $52 $67
35-Year-Old Male $54 $69
45-Year-Old Female $47 $62
45-Year-Old Male $49 $61
55-Year-Old Female $44 $59
55-Year-Old Male $43 $57
65-Year-Old Female $46 $61
65-Year-Old Male $45 $59
As drivers gain more driving experience, premiums gradually decrease, with the most affordable rates typically appearing in middle age.
For example, a 16-year-old male pays around $335 per month, while a 55-year-old male pays some of the lowest rates at about $43 per month.
Overall, men consistently pay a bit more for car insurance than women at every age, due to higher rates of risky driving behavior; however, premiums steadily decrease as drivers age.
Your driving history also affects how much you pay for car insurance. According to the table below, Auto Club consistently offers lower monthly premiums than The Hartford.
Drivers with clean records see the biggest savings, but even those with accidents, DUIs, or speeding tickets pay less with Auto Club compared to The Hartford.
Auto Club vs. The Hartford: Auto Insurance Monthly Rates by Driving
Company Clean Record One Accident One DUI One Ticket
$49 $73 $91 $64
$61 $89 $93 $74
$87 $124 $152 $103
$76 $109 $105 $95
$43 $71 $117 $56
$63 $88 $129 $75
$56 $98 $75 $74
$38 $59 $67 $48
$47 $57 $65 $53
This makes Auto Club the more affordable option, especially for high-risk drivers. Find cheap auto insurance for high-risk drivers here.
Aside from digital services such as websites and apps, both The Hartford and Auto Club Enterprises offer usage-based insurance programs for drivers.
Enrolling in The Hartford’s TrueLane program lets the company collect information on when and how you drive from a device you plug into your car. It then uses this data to calculate a discount for safe driving habits, typically between 10% and 12%.
Currently, TrueLane is only available in select states. Check with a representative to see whether you’re eligible for the program. However, The Hartford offers limited online resources to guide customers through the insurance buying process.
Like TrueLane from The Hartford, Auto Club Enterprises offers its own UBI program, OnBoard. However, the auto insurance company collects data using your phone rather than a device that plugs into your car. Right now, OnBoard isn’t available in every state, so make sure to check whether it’s offered in your state.
Usage-based insurance programs from both of these companies could save you money, but you should check whether they’re available in your state.
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While each company may provide unique add-ons, both Auto Club and The Hartford offer the core home insurance coverages most homeowners need. Here’s a quick look at the main coverage options:
Auto Club and The Hartford home insurance costs can vary widely, depending on factors like your location, home value, claims history, and any discounts you qualify for.
When you look at Auto Club vs. The Hartford home insurance rates, both insurers fall in the mid-range, but their rates differ as coverage levels increase.
Michelle Robbins Licensed Insurance Agent
As shown in the table below, Auto Club consistently offers lower monthly premiums than The Hartford across all four home coverage levels.
Auto Club vs. The Hartford: Home Insurance Monthly Rates| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $120 | $165 | $210 | $275 |
| $140 | $200 | $215 | $330 |
| $124 | $175 | $232 | $218 |
 | $131 | $185 | $198 | $230 |
| $193 | $268 | $246 | $390 |
| $100 | $150 | $186 | $240 |
| $168 | $229 | $202 | $350 |
| $56 | $80 | $216 | $107 |
| $90 | $181 | $191 | $165 |
 | $215 | $287 | $205 | $357 |
For a $200K dwelling coverage, State Farm Insurance ($90) and Geico Insurance ($100) are the cheapest companies. At $120 per month, Auto Club is in the mid-range with Allstate ($124) and American Family ($131). The Hartford sits a bit higher, partly because of the AARP program and some of the extra perks it offers.
This makes Auto Club the more affordable option for most homeowners.
Both Auto Club and The Hartford offer solid renters insurance that covers the basics most renters need. While each insurer has its own extras and optional add-ons, the basic coverages are pretty much the same for both.
The table below compares Auto Club and The Hartford with other major competitors, showing monthly rates at different coverage levels ($20K, $30K, $40K and $50K).
Again, Auto Club is noticeably more affordable than The Hartford across all coverage levels. A $20K renters coverage from Auto Club costs $18 a month, while The Hartford is slightly more expensive, at $22 a month.
When you move up to $30K, Auto Club’s monthly rate is $22 compared to The Hartford’s $27. At the highest level ($50K), Auto Club charges $29 a month, while The Hartford goes up to $35 a month.
Auto Club vs. The Hartford: Renters Insurance Monthly Rates| Company | $20K | $30K | $40K | $50K |
|---|---|---|---|---|
| $18 | $22 | $25 | $29 |
| $22 | $27 | $31 | $35 |
| $16 | $21 | $26 | $31 |
| $13 | $17 | $21 | $25 |
| $18 | $23 | $28 | $34 |
| $12 | $15 | $19 | $23 |
| $14 | $18 | $22 | $27 |
| $15 | $20 | $24 | $29 |
| $13 | $16 | $20 | $24 |
| $14 | $18 | $22 | $26 |
The price gap increases as you choose higher coverage limits, but Auto Club is still the better renters insurance choice.
At just $12 per month, Geico is the cheapest option for $20K coverage. The Hartford is the most expensive at $22 a month.
Auto Club Enterprises and The Hartford offer a wide range of life insurance options, and as you can see below, there’s a lot of overlap between the two.
Both companies offer basic policies, such as term and whole life, as well as several additional options for those who want more flexibility. Some policies focus on affordability, while others offer features to support financial planning or long-term savings.
Auto Club vs. The Hartford Life Insurance Coverage Options| Coverage | | |
|---|---|---|
| AD&D Coverage | ✅ | ✅ |
| Dependent Life | ✅ | ✅ |
| Final Expense | ✅ | ❌ |
| Group Life | ✅ | ✅ |
| Guaranteed-Issue | ✅ | ✅ |
| Term Life | ✅ | ✅ |
| Universal Life | ✅ | ✅ |
| Variable Life | ❌ | ✅ |
| Variable Universal | ❌ | ✅ |
| Voluntary Term | ✅ | ✅ |
| Whole Life | ✅ | ✅ |
While both companies offer most major coverage types, the main differences lie in their specialty products. Auto Club offers final expense coverage, while The Hartford stands out with its variable life and variable universal life policies. So the choice really depends on what you’re looking for.
Now, how much do the Auto Club and The Hartford policies actually cost? The table below breaks down monthly rates for the most common life insurance policy types (15-year, 20-year, and 30-year term life, plus whole life). Let’s see where Auto Club and The Hartford stand compared to each other and their top competitors.
Auto Club vs. The Hartford: Life Insurance Monthly Rates by Policy Type| Company | Term Life | Whole Life | Universal Life | Final Expense |
|---|---|---|---|---|
| $57 | $262 | $183 | $79 |
| $49 | $414 | $256 | $80 |
| $55 | $390 | $260 | $66 |
| $50 | $370 | $245 | $61 |
| $60 | $415 | $275 | $71 |
| $52 | $380 | $250 | $63 |
| $57 | $400 | $265 | $68 |
| $53 | $385 | $255 | $64 |
| $48 | $355 | $235 | $59 |
| $53 | $430 | $285 | $74 |
Auto Club is slightly cheaper than The Hartford across all life insurance policy types, but the difference isn’t huge. A term life policy from Auto Club is $57 a month, while The Hartford charges $49 a month. On the other hand, whole life insurance from Auto Club costs $262 a month, compared to The Hartford’s $414 a month.
Still, Auto Club is the better option if you’re trying to keep premiums as low as possible. Geico and State Farm offer the lowest rates overall, especially for term life policies.
At $414 per month for a whole life policy, The Hartford is on the higher end, alongside Farmers ($415) and Travelers ($430).
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The Hartford and Auto Club Enterprises both offer multiple ways of lowering your insurance premiums. Just make sure you check your eligibility based on where you live.
Both Auto Club and The Hartford offer a wide range of discounts across their auto, home, renters, and other insurance products. Here are the most common discount options from each company so you can easily compare what you might qualify for.
Auto Club vs. The Hartford Insurance Discounts
Discount
Age of Home ✅ ❌
Anti-Theft ✅ ✅
Autopay ❌ ✅
Bundled Policy ❌ ✅
Claims-Free ❌ ✅
Defensive Driver ✅ ✅
Gated Community ✅ ❌
Generational ❌ ❌
Green-Home ❌ ❌
Good Student ✅ ✅
Home Security ✅ ❌
Loss-Prevention ❌ ✅
Low Mileage ✅ ✅
Loyalty Discount ✅ ✅
Multi-Car ✅ ✅
Multi-Policy ✅ ✅
New Build ✅ ❌
Paperless Billing ✅ ✅
Pay-in-Full ❌ ✅
Renovated-Home ✅ ❌
Roof Upgrade ✅ ❌
Safety Course ✅ ✅
Safe Driver ✅ ✅
Smart Home ❌ ❌
Vehicle Safety ✅ ✅
Some discounts overlap, like anti-theft, defensive driver, and good student savings, while others are unique to each insurer.
Auto Club stands out with discounts for your home and neighborhood, such as age-of-home and gated-community discounts, which The Hartford doesn’t offer. The Hartford, on the other hand, offers more savings opportunities for paying on time, staying claim-free, or enrolling in autopay.
Check This Page: 26 Hacks to Save Money on Auto Insurance
Every insurer has its advantages and disadvantages, and Auto Club and The Hartford are no exception.
Here’s a quick look at the pros and cons of each company so you can easily see how they differ and which one may better fit your needs.
Comparing Auto Club & The Hartford: Benefits & Drawbacks| Company | Pros | Cons |
|---|---|---|
| • Strong roadside help • Good membership perks • Solid bundle options | • Limited state availability • Higher rates in some areas • Varies by regional club |
| • Great AARP benefits • Strong claim features • High financial strength | • Not for younger drivers • Not available in CA & FL • Often pricier premiums |
One of the best services Auto Club Insurance Company offers is its AAA membership. This includes trip planning services and roadside assistance, including towing, battery service, fuel delivery, and lockout assistance.
You can also get a discount of over 10% for bundling your home, life, or other insurance policy with your auto insurance. Plus, you get a discount on your AAA membership that usually covers the cost of roadside assistance.
Related Article: Best Auto and Home Insurance Bundles
However, not all services are available in every state, so the protection you’re looking for may not be available where you live. For example, the company only offers new car replacement in Nevada and Utah.
Laura Kuhl Managing Editor
On the other hand, Hartford has a long history of reliability and financial stability in claims payments. When your car gets damaged in a wreck, natural disaster, or other accident, you want a car insurance company that will follow up on your claim quickly and efficiently. The Hartford does just that.
Important Read: How to File an Auto Insurance Claim
Moreover, if you’re an AARP member, you get a lifetime renewal guarantee. The company won’t cancel your policy as long as you pay your premiums.
One drawback is that The Hartford primarily targets customers 50+ through its AARP partnership, which can make it less appealing to younger drivers. It’s also not available in California or Florida, and it has higher premiums than other insurers.
The table below shows how Auto Club and The Hartford stack up in customer satisfaction, service experience, and financial reliability. Both companies deliver on their promises of customer satisfaction, but The Hartford still comes out on top.
Auto Club vs. The Hartford Business Ratings & Consumer Reviews
Agency
Score: A+
Excellent Financial StrengthScore: A+
Superior Financial Strength
Score: A
Excellent Business PracticesScore: A+
Excellent Business Practices
Score: 71/100
Good Customer FeedbackScore: 74/100
Good Customer Feedback
Score: 692 / 1,000
Avg. SatisfactionScore: 701 / 1,000
Avg. Satisfaction
Score: 0.74
Fewer Complaints Than Avg.Score: 1.10
Avg. Complaints
The Hartford Insurance Company receives stronger feedback overall, with a J.D. Power score of 701 and a 74 rating from Consumer Reports. Auto Club Enterprises is no slouch when it comes to customer and claims satisfaction, with scores of 692 and 71, respectively.
Both companies show excellent financial strength, each holding an A+ rating from A.M. Best.
However, even with those high marks for customer service and financial reliability, The Hartford’s complaint index of 1.10 is higher than Auto Club’s 0.74. This indicates that The Hartford receives more complaints than other insurers of its size.
Nevertheless, both companies provide excellent customer service, but The Hartford edges out Auto Club Enterprises in claims handling.
When it comes to availability, there’s a clear difference between the two. Auto Club sells insurance in 18 states, while The Hartford is available in 43.
Both companies overlap in most of Auto Club’s territory, with California being the only state where Auto Club Enterprises Insurance is present, but The Hartford Insurance isn’t.
The biggest gap on The Hartford’s side is that it’s not available in California or Florida, so if you live in one of those states, you might want to consider another option. Elsewhere, The Hartford insurance generally offers wider availability.
While both Auto Club and The Hartford offer coverage in many states, neither company has the nationwide reach of major insurers like State Farm, Geico, or Progressive.
Compare top picks in our guide: Best Auto Insurance Companies in California
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Both The Hartford and Auto Club Enterprises offer solid insurance options. So, who’s the winner in the match-up of which is better, The Hartford or Auto Club Enterprises?
Auto Club Enterprises and The Hartford offer a broad range of insurance options. The table below compares other key insurance types offered by each company. As you can see, both companies offer most personal insurance lines, including auto, home, boat, motorcycle, life, classic car, and condo insurance.
Auto Club vs. The Hartford: Types of Insurance Available| Type | | |
|---|---|---|
| Auto Insurance | ✅ | ✅ |
| Boat / Watercraft Insurance | ✅ | ✅ |
| Business / Commercial Insurance | ⚠️ Limited Availability | ✅ |
| Classic Car Insurance | ✅ | ✅ |
| Condo Insurance | ✅ | ✅ |
| Flood Insurance (NFIP) | ⚠️ Limited Availability | ⚠️ Limited Availability |
| Health / Medicare Insurance | ❌ | ⚠️ AARP Partnership |
| Homeowners Insurance | ✅ | ✅ |
| Life Insurance | ✅ | ✅ |
| Motorcycle Insurance | ✅ | ✅ |
| Pet Insurance | ⚠️ Embrace Partnership | ⚠️ Fetch Partneship |
| Renters Insurance | ✅ | ✅ |
| Roadside Assistance | ✅ | ✅ |
| RV / Motorhome Insurance | ✅ | ✅ |
| Travel Insurance | ⚠️ Limited Availability | ✅ |
| Umbrella / Liability Insurance | ✅ | ✅ |
Both the Hartford and Auto Club offer flood insurance through the NFIP, which means availability and coverage limits are subject to federal program rules. Auto Club does not offer health or Medicare insurance, while The Hartford makes them available exclusively to its AARP members.
In addition, Auto Club Enterprises Insurance Group offers only limited commercial coverage, while The Hartford offers a full suite of business insurance products, making it a reliable choice for many business owners.
When comparing insurance companies, customer satisfaction scores can give you an idea of what to expect when you need to file a claim or need agent support.
According to J.D. Power’s customer satisfaction ratings, both The Hartford and Auto Club Enterprises perform well, but a few competitors still edge them out.
Although the difference is small, The Hartford insurance company ratings lead slightly with a score of 701, while Auto Club Enterprises earns 692. So, while both insurers are reliable, The Hartford still has better overall customer satisfaction.
Other insurers like Nationwide Insurance take the top spot with a score of 728, earning the highest rating for overall customer experience. State Farm follows with 710, and Farmers comes in close behind at 706.
When you look at Auto Club vs. The Hartford Insurance Company’s competitive rankings in the overall insurance market, both hold a very small share, just 2% each. This puts them well behind the largest national insurers.
However, it doesn’t mean they’re not strong companies, since both have excellent customer satisfaction ratings, strong financial reliability, and unique product offerings.
Their tiny market share might be a downside for those who prefer industry giants like State Farm, Progressive, Geico, and Allstate. On the other hand, smaller companies like Auto Club and The Hartford offer a more personalized approach.
Related: Allstate vs. Geico Auto Insurance
The Hartford is available in more places, provides comprehensive coverage options, and offers better claims support. The Hartford offers discounts to AARP members and sells car insurance to seniors over 50, while an AAA membership is required for Auto Club Enterprises.
Some discounts may not be available in all states for both companies. UBI programs from both companies let you use technology and save in certain states.
In addition, both companies offer good customer service, but The Hartford handles claims better.
If you’re an AARP member, The Hartford is worth your consideration. For AAA members, check out Auto Club Enterprises. To get the best deal overall, enter your ZIP code in our free comparison tool to compare quotes from both insurers.
Does The Hartford have a good reputation? Overall, The Hartford is considered a good insurance company. It earned an A+ rating from A.M. Best due to its strong financial backing and a long history.
It also received strong customer satisfaction feedback, with a J.D. Power score of 701 and a 74 rating from Consumer Reports. However, The Hartford auto insurance reviews note higher-than-average premiums.
The Hartford has a strong history of reliability and financial stability, making it a good choice for dependable claim payouts.
Check Out Our Guide: How to File a Wildfire Home Insurance Claim
The Hartford offers some attractive benefits:
The company is popular for its excellent customer service, strong protection, solid claims handling, and AARP membership.
The Hartford’s auto insurance rates are above average. Minimum coverage costs $61 per month. The average full coverage is about $161 per month. Find the cheapest car insurance by entering your ZIP code in our free comparison tool.
For home, life, and renters insurance, The Hartford is slightly more expensive than Auto Club at every coverage level. For example, for a $200K home insurance policy, you’d pay about $120 a month with Auto Club, while The Hartford costs $140.
Auto Club’s $30K renters insurance plan is $22 a month, compared to $27 with The Hartford. 15-year term life insurance rates with Auto Club are $26 a month, and with The Hartford are $28.
For minimum coverage, Auto Club charges $49 per month, while full coverage is $130 per month. For a $200K dwelling coverage, Auto Club charges $120 per month, while a $30K renters coverage costs $22 a month. To compare multiple insurance quotes, enter your ZIP code in our free comparison tool.
Related: Auto Insurance Rates by State
Here are the most common cons for Auto Club insurance:
You can cancel your AAA membership by phone or in person.
The Hartford AARP car insurance reviews say that membership provides access to a wide range of discounts and benefits, especially for individuals 50+. Unlike AARP from The Hartford insurance, AAA is well-known for roadside assistance and travel member benefits, but it can be more expensive.
See More: AAA insurance review
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