Choosing an auto insurance company is difficult: companies' rates vary by location, vehicle, and driving record, and every company's discounts vary. USAA and Progressive are two of the nation's most popular insurance companies, selling competitively priced insurance policies in most American states.
In an effort to simplify the process of comparing insurance companies, we collected average premiums from Progressive and USAA. These take into consideration a variety of pricing factors, including credit score, driving behavior, and age. Check out the below rates and find an affordable policy today.
If you have very poor credit, USAA could be a better option for you. On average, USAA offers cheaper prices than Progressive for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or better — should consider USAA, which typically beats Progressive by $480 per year. Check out common insurance costs by credit tier for Progressive and USAA below.
|Credit score||USAA avg. annual premium||Progressive avg. annual premium|
|Very Poor (300-579)||$2,682||$3,602|
|Very Good (740-799)||$910||$1,453|
If you're carrying an at-fault collision, ticket, reckless driving citation, or DUI in your rear view mirror, USAA could be a better choice than Progressive. Every insurer prices its policies differently, so it's worth comparing quotes to figure out which insurer is best for you.
|Violation||USAA avg. annual premium||Progressive avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,720|
|At-fault accident (damage > $1,000)||$947||$2,245|
Insurance companies rely on age to estimate risk, pricing policies accordingly. Car insurance is commonly most expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and most affordable for drivers aged 25 or older. Because each insurance company evaluates age tiers differently, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose USAA over Progressive: USAA offers average yearly savings of $5,384, compared to Progressive.
|Age||USAA avg. annual premium||Progressive avg. annual premium|
Costs aside, USAA and Progressive each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
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|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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.|
|Roadside Assistance||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||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.|
|Additional Discounts||USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.||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.|
|Recent Questions||Am I covered for an accident if my policy had lapsed while without an Uber passenger?|
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.See More 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
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