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Progressive vs. AAA: Discounts, quotes, and comparison

Progressive vs. AAA

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.

Nationwide

AAA

OVERVIEW

OVERVIEW
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

COVERAGE

COVERAGE
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
Phone
online
email
phone
Payment schedule
Payment schedule 12 months
6 months
Monthly
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes
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 Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
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.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
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.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
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.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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