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Progressive vs. AAA: Discounts, quotes, and comparison

Progressive vs. AAA

Our top pick: Progressive

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership
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You’ve narrowed your potential insurers to Progressive and AAA. But which one should you pick?

Despite its modern-looking logo, Progressive is a well-established insurer. The company was founded in 1937, and it’s now one of the five largest auto insurers in the United States. Founded in 1902, AAA is a mainstay of the insurance industry. It’s well known for its roadside assistance program, which offers services from towing to battery changes. Beyond covering vehicles, AAA offers home, renters and life insurance.

Take a look at the comparison tables below to find the right insurer for you.




About the provider
About the brand Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service. Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
States served
States served All states except AK, HI, LA, MA AK, AZ, CA, MT, NV, UT and WY


Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Payment schedule
Payment schedule 12 months
6 months
12 months
6 months


Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes, up to 37%
Military discount
Military discount No No
Multi car discount
Multi car discount No Yes, up 27%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes, up to 14%
Usage based discount
Usage based discount Yes, 5-40% No
Learn more
Learn more

Bottom line

Both insurers offer impressive coverage availability: They both operate in all 50 US states.

Progressive gets strong marks from the Better Business Bureau (BBB), scoring an “A+” grade. AAA doesn’t have a BBB rating, but its roadside assistance program consistently garners high praise. Unfortunately, neither insurer is strong in claims satisfaction. Progressive earns a three-out-of-five score in the category from J.D. Power, and AAA earns a two out of five.

If you’re looking for a discount, you may be in luck. Both insurers offer promotions like good-student, defensive-driver, pay-in-full and multi-car discounts.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Progressive and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

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