USAA vs Progressive Car Insurance

Compare rates from the top car insurance companies in your area.

or
Location pin icon
Your information is secure.

USAA or Progressive:
Which Company is Best for You?

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.

Looking for more information? Read our full reviews of USAA and Progressive.


USAA vs. Progressive: insurance rate comparison


USAA vs. Progressive: prices by credit level

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 INSURANCE RATE COMPARISON: Progressive VS. USAA
Credit scoreUSAA avg. annual premiumProgressive avg. annual premium
Very Poor (300-579)$2,682$3,602
Fair (580-669)$1,247$2,127
Good (670-739)$1,057$1,708
Very Good (740-799)$910$1,453
Exceptional (800-850)$840$1,320

USAA vs. Progressive: high-risk driver rates

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Progressive VS. USAA
ViolationUSAA avg. annual premiumProgressive avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,720
At-fault accident (damage > $1,000)$947$2,245
DUI/DWI$1,952$2,201
Reckless driving$1,472$2,457
Speeding ticket$1,124$2,091

USAA vs. Progressive: rates by age bracket

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.


RATES BY AGE: Progressive VS. USAA
AgeUSAA avg. annual premiumProgressive avg. annual premium
Teens$2,864$8,248
20s$1,261$2,287
30s$963$2,287
40s$957$1,644
50s$889$1,542
60s$845$1,403

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.

Discount ComparisonUSAAProgressive
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 ComparisonUSAAProgressive
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAAProgressive
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAProgressive
AboutUSAA 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 Assistance24-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 DiscountsUSAA 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 QuestionsOur 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.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.
See More 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
Compare MoreUSAA 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 Insurance USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersProgressive 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 Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers
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:

USAA vs Progressive

Chevron left icon
Chevron right icon