The Hartford vs. Auto Club Enterprises (2025)

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

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.

Auto Club vs. The Hartford Auto Insurance

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, The Hartford 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

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.

However, this will vary depending on where you live, your age, gender, coverage level, driving record, and even your marital status.

How Coverage Level Affects Your Auto Insurance Rates

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 Insurance Monthly Rates by Coverage Level

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.

How Age & Gender Impact Your Car Insurance Rates

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

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.

How Your Driving Record Affects Insurance Cost

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 Insurance Monthly Rates by Driving Record

This makes Auto Club the more affordable option, especially for high-risk drivers. Find cheap auto insurance for high-risk drivers here.

Digital Tools & Programs to Simplify Auto Insurance

Aside from digital services such as websites and apps, both The Hartford and Auto Club Enterprises offer usage-based insurance programs for drivers.

The Hartford’s TrueLane Program

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.

Auto Club OnBoard Program

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.

Auto Club vs. The Hartford Types of Insurance

Auto Club Enterprises and The Hartford also offer a broad range of additional 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

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.

Home Insurance Coverage & Costs

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:

• Dwelling Coverage: Protects the main structure of your home against covered perils, including fire, windstorms, burglary, and other insured losses.
• Loss of Use Coverage: Additional living expenses coverage pays for temporary housing costs if your home becomes uninhabitable due to a covered claim.
• Medical Payments Coverage: MedPay covers medical costs for guests who get injured on your property, regardless of fault.
• Other Structures Coverage: Covers detached buildings (garages, fences, sheds, decks) on your property.
• Personal Liability Coverage: Protects you if you’re legally responsible for injuries to others or damage to their property.
• Personal Property Coverage: Pays to replace or repair damaged or stolen personal belongings.

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.

As shown in the table below, Auto Club consistently offers lower monthly premiums than The Hartford across all four home coverage levels.

Home Insurance Monthly Rates by Dwelling Coverage

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.

Renters Insurance Coverage & Costs

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.

• Liability Coverage: Protects you if you accidentally injure someone or damage their property.
• Loss of Use Coverage: Additional living expenses coverage pays for the extra costs if your rental unit becomes uninhabitable due to a covered event.
• Medical Payments Coverage: MedPay covers minor medical bills if a guest is injured in your rental, regardless of fault.
• Personal Property Coverage: Covers personal belongings such as furniture, electronics, clothing, etc., if they’re stolen or damaged by a covered event like fire, theft, or vandalism.
• Scheduled Personal Property: Optional coverage that insures valuable items such as jewelry or collectibles.
• Water Backup Coverage: Optional coverage that helps pay for damage caused by water backing up from a drain, sewer line, or sump pump.

The table below compares Auto Club and The Hartford with other major competitors, showing monthly rates at different coverage levels ($30K, $50K, and $70K).

Again, Auto Club is noticeably more affordable than The Hartford across all coverage levels. A $30K renters coverage from Auto Club costs $22 a month, while The Hartford is slightly more expensive, at $27 a month.

When you move up to $50K, Auto Club’s monthly rate is $32 compared to The Hartford’s $40. At the highest level ($70K), Auto Club charges $40 a month, while The Hartford goes up to $50 a month.

Renters Insurance Monthly Rates by Coverage Amount

The price gap increases as you choose higher coverage limits, but Auto Club is still the better renters insurance choice.

At just $15 per month, State Farm is the cheapest option for a $30K coverage. Travelers is the most expensive at $44 a month, putting The Hartford ($27) on the higher end, but still not the priciest.

All in all, compared to the best renters insurance companies, Auto Club remains competitive, while The Hartford charges higher rates for renters insurance.

Life Insurance Coverage & Costs

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

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.

Life Insurance Monthly Rates by Policy Type

Auto Club is slightly cheaper than The Hartford across all life insurance policy types, but the difference isn’t huge. A 15-year term policy from Auto Club is $26 a month, while The Hartford charges $28 a month. On the other hand, whole life insurance from Auto Club costs $250 a month, compared to The Hartford’s $270 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 $270 per month for a whole life policy, The Hartford is on the higher end, alongside American Family ($300), Farmers ($350), and Travelers ($420).

Save Money With Auto Club & The Hartford

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.

• Bundle Multiple Policies: Auto Club offers up to 20% off auto and 22% off homeowners insurance when you bundle these policies with life insurance. Bundling with The Hartford can also reduce premiums by up to 20% in some states.
• Drive Safe and Save: AAA lets you save up to 20% by driving safely through OnBoard, its UBI program. Participating in TrueLane, The Hartford’s UBI program, gets you a 5% discount for signing up, and up to a 25% discount based on driving.
• Install Safety Features: Safety features such as anti-theft devices, ABS brakes, airbags, or GPS tracking on your car, boat, or motorcycle can qualify you for lower premiums.
• Join AAA/AARP Membership: With the AAA membership from Auto Club, you get exclusive discounts on insurance, travel, shopping, dining, etc. Seniors age 50 and up can qualify for great discounts by joining Hartford’s AARP program.
• Stay Loyal: Staying insured with Auto Club or The Hartford for multiple years can lead to additional savings, depending on the state and policy type.
• Upgrade Your Home: Installing smoke detectors, fire alarms, sprinkler systems, and security alarms can help you qualify for valuable home safety & security discounts.

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

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.

Read more: 26 Hacks to Save Money on Auto Insurance

Pros & Cons: Auto Club and The Hartford

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.

Pros & Cons for Auto Club and The Hartford

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.

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.

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.

Learn more: 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.

Business Scores: Auto Club vs. The Hartford

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

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.

Consumer Ratings for Top Providers

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.

Auto Club & The Hartford vs. Leading Insurers

When you look at the overall insurance market, both Auto Club and The Hartford 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. But on the other hand, smaller companies like Auto Club and the Hartford offer a more personalized approach.

Read more: Allstate vs. Geico Auto Insurance

Auto Club vs. The Hartford State Availability

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.

Read more: 10 Best Auto Insurance Companies in California

Comparing Top Auto Insurance Providers

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?

The Hartford is available in more places, provides comprehensive coverage options, and offers better claims support.

The Hartford offers discounts for 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.