Progressive vs Auto Club (AAA) Car Insurance

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Progressive or Auto Club (AAA):
Which Company is Best for You?

Picking a car insurance company can be complicated: rates fluctuate by location, vehicle, and driving record, and every company provides a different set of discounts. Progressive and Auto Club (AAA) are two of the most popular insurance companies, selling competitively priced insurance policies across most of the US.

To help make shopping for car insurance easier, we collected average costs from Auto Club (AAA) and Progressive. These take into consideration a number of rating factors, including credit, driving record, and demographics. Examine these figures and find your next car insurance policy today.


Progressive vs. Auto Club (AAA): rate comparison


Progressive vs. Auto Club (AAA): prices by credit level

If you have extremely bad credit, Progressive could be preferable to Progressive. On average, Progressive offers better rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800 or better — should lean toward Progressive, which typically beats Auto Club (AAA) by $1,494 per year. View common insurance rates by credit tier for Auto Club (AAA) and Progressive:


RATES BY CREDIT SCORE: Auto Club (AAA) VS. Progressive
Credit scoreProgressive avg. annual premiumAuto Club (AAA) avg. annual premium
Very Poor (300-579)$3,602$6,569
Fair (580-669)$2,127$4,023
Good (670-739)$1,708$3,723
Very Good (740-799)$1,453$3,004
Exceptional (800-850)$1,320$2,814

Progressive vs. Auto Club (AAA): high-risk insurance rate comparison

If you have an at-fault collision, speeding violation, reckless driving violation, or DWI on your driving résumé, Progressive could be a better choice than Auto Club (AAA). Every auto insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.


RATES BY CITATION: Auto Club (AAA) VS. Progressive
ViolationProgressive avg. annual premiumAuto Club (AAA) avg. annual premium
At-fault accident (damage < $1,000)$2,720$4,078
At-fault accident (damage > $1,000)$2,245$4,002
DUI/DWI$2,201$5,530
Reckless driving$2,457$5,530
Speeding ticket$2,091$4,078

Progressive vs. Auto Club (AAA): rates by age

Insurance companies rely on a driver's age to outline potential risk, assigning rates accordingly. Auto insurance is usually expensive for drivers younger than 25 — thanks to their inexperience — and more affordable for middle-aged drivers. Since each insurance company evaluates age tiers differently, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Progressive over Auto Club (AAA): Progressive offers average yearly savings of $2,008, compared to Auto Club (AAA).


AGE BRACKET INSURANCE RATE COMPARISON: Auto Club (AAA) VS. Progressive
Age tierProgressive avg. annual premiumAuto Club (AAA) avg. annual premium
Teens$8,248$10,256
20s$2,287$4,644
30s$1,646$4,644
40s$1,644$3,195
50s$1,542$3,083
60s$1,403$2,887

Setting aside cost, Progressive and Auto Club (AAA) both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonProgressiveAuto Club (AAA)
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonProgressiveAuto Club (AAA)
Financial Strength SuperiorGood
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A+

N/A

Other ProductsProgressiveAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveAuto Club (AAA)
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.Auto Club provides its customers with customizable payment options, competitive rates and excellent features.
Roadside AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service 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 DiscountsProgressive 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, and maintains a wide-ranging rewards program for AAA members.
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Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Progressive vs. SAFECO Progressive vs. SafeAuto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAAAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. SafeAuto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Progressive vs Auto Club (AAA)

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