AAA rating: 3.8 out of 5 stars AAA is known for roadside support, and its auto insurance coverage is a strong addition. You’ll find several add-ons with AAA car insurance, including accident forgiveness options, new-car replacement after a total loss, and even rideshare coverage. The catch is price. AAA’s average insurance rates are among the highest in our comparison, and its repair and complaint metrics are more mixed than you might expect. Learn more: Best car insurance companies in the U.S. AAA a ...

Core Insights - The Hartford is recognized for offering low-cost auto insurance, particularly beneficial for AARP members, with additional perks such as accident forgiveness and new car replacement [1][20] - The company has a mixed claims record, and non-AARP policies require purchasing through an agent rather than online [2][20] Pricing and Costs - The average monthly cost for full coverage with The Hartford is $153, which is lower than the industry average of $190 [12] - For basic coverage, the average monthly premium is $90, significantly below the national average of $113 [13] Coverage Options - The Hartford provides a variety of coverage types, including liability, collision, comprehensive, and unique benefits like RecoverCare [11][8] - The company offers 12 different types of coverage and 9 discounts, including accident forgiveness and diminishing deductibles [5][6] Customer Satisfaction - The Hartford scored above average in customer satisfaction in two out of eleven regions according to J.D. Power [7] - Despite a higher number of complaints than average, J.D. Power's claims satisfaction survey indicates that many customers report a smooth claims process [19][20] Discounts and Savings - The Hartford offers multiple discounts, including a Bundle and Save discount that can save an average of $813 when combining auto with home insurance [16] - Discounts are also available for safe driving habits through the TrueLane program, potentially offering up to 40% savings [14] Claims Process - The claims process is straightforward, allowing claims to be filed online or over the phone, with payments typically processed within 48 hours after approval [15][18]