Choosing a car insurance company can be difficult: rates can vary by driving history, age, and location, and every company provides a different set of discounts. Progressive and AAA are counted among the US' most popular insurance companies, providing affordable policies across most of America.
In an effort to make insurance shopping seamless, we have gathered typical costs from AAA and Progressive. The below cover an array of rating factors, including credit quality, driving behavior, and age. Examine these rates and find your next car insurance policy today.
If you have very poor credit, Progressive could be the way to go. Typically, Progressive offers better prices than AAA for drivers with credit scores of 579 or less. Those with outstanding credit — a score of 800 or better — should opt for Progressive, which typically beats AAA by $1,494 per year. View average insurance rates by credit tier for AAA and Progressive below.
|Credit level||Progressive avg. annual premium||AAA avg. annual premium|
|Very Poor (300-579)||$3,602||$6,569|
|Very Good (740-799)||$1,453||$3,004|
If you are saddled with an at-fault crash, ticket, reckless driving violation, or DUI on your résumé, Progressive could be a better choice than AAA. Each insurer has different post-violation pricing structures, so always do your due diligence and compare quotes to find out which insurer suits you.
|Violation||Progressive avg. annual premium||AAA avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$4,078|
|At-fault accident (damage > $1,000)||$2,245||$4,002|
Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. Car insurance is usually priciest for beginning and young drivers — because of their inexperience — and most affordable for middle-aged drivers. Because every insurance company prices age tiers differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Progressive before AAA: Progressive offers average yearly savings of $2,008 versusAAA.
|Age||Progressive avg. annual premium||AAA avg. annual premium|
Costs aside, Progressive and AAA both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Progressive||Auto Club (AAA)|
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|Ratings Comparison||Progressive||Auto Club (AAA)|
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|Other Products||Progressive||Auto Club (AAA)|
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|Other Features||Progressive||Auto Club (AAA)|
|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members.|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.See More Questions
|Can a bank add insurance to my loan when I already have insurance?|
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.See More Questions
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