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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 Auto Club (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 Auto Club (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 Auto Club (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 Auto Club (AAA) by $1,494 per year. View average insurance rates by credit tier for Auto Club (AAA) and Progressive below.
|Credit level||Progressive avg. annual premium||Auto Club (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 Auto Club (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||Auto 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|
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 Auto Club (AAA): Progressive offers average yearly savings of $2,008 versusAuto Club (AAA).
|Age||Progressive avg. annual premium||Auto Club (AAA) avg. annual premium|
Costs aside, Progressive and Auto Club (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)|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Progressive||Auto Club (AAA)|
|JD Power Rankings|
|Other Products||Progressive||Auto Club (AAA)|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Progressive||Auto Club (AAA)|
|About||Progressive 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 Assistance||Progressive'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 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, and maintains a wide-ranging rewards program for AAA members.|
|Recent Questions||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.I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.See More Questions
|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.Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.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.What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.See More Questions
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|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|