Choosing a car insurance company can be hard: rates may vary by driving history, age, and location, and companies offer an array of perks. USAA and Progressive are two of the most popular auto insurance companies, providing high-quality insurance policies in many states.
To make insurance shopping seamless, we gathered average rates from Progressive and USAA. These take into account myriad rating factors, including credit rating, driving history, and age. Check out the below rates and find the right policy for you.
If you have very bad credit, USAA could be preferable to USAA. On average, USAA offers better rates than Progressive for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Progressive by $480 per year. View common insurance rates by credit level 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 are saddled with an at-fault accident, speeding ticket, reckless driving violation, or DUI offense on your record, USAA could be a better choice than Progressive. Each auto insurance company enacts rate penalties differently, so it's worth comparing quotes to find out which insurer is best for you.
|Infraction||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 use a driver's age to outline risk potential, pricing policies accordingly. Auto insurance is usually most expensive for beginning and young drivers — because of their inexperience — and most affordable for older drivers. Since every insurance company prices age brackets uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose USAA over Progressive: USAA offers average yearly savings of $5,384 versusProgressive.
|Age tier||USAA avg. annual premium||Progressive avg. annual premium|
Costs aside, USAA and Progressive come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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.|
|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, 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.|
|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||Can my brother use his insurance for damage he caused to my vehicle?|
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|Compare More||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||Progressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) 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. Safe Auto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers|
|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|
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