Progressive vs. USAA: Which provider is right for you?

Progressive vs. USAA: Which provider is right for you?

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Progressive vs. USAA

Insurance giant Progressive offers discounts through its unique program called Snapshot, which allows customers to pay based on how well and how much they drive instead of just traditional factors. And the company gets an A+ from the Better Business Bureau.

Founded in 1922, USAA serves members of the military and their families by offering competitive rates on car insurance and many other financial products. Like Progressive, USAA receives an A+ form the BBB, and it is one of the highest ranking companies in customer satisfaction year after year.

With similarities in customer service and affordable rates, it can be tough to pick the right provider. Below we pit USAA and Progressive side by side in order to make the decision-making process easier for you. Check out the pros and cons of each provider below.

Progressive

Progressive

USAA

USAA

About the provider Progressive is a household name and one of the largest car insurance companies in the US. Since its origins in 1937, customers have been flocking to Progressive for their insurance needs. It also offers discounts via Snapshot, a usage-based insurance program. Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more.
Price Policy costs depend your personal situation. Visit Progressive for a quote based on your specific needs. Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* A+ A+
J.D. Power ratings** 3/5 on overall claims satisfaction 5/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

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* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Progressive

Progressive

USAA

USAA

Good student Varies (B’s or better. Additional discount if away at school, 100+ miles away and 22 or younger)
Defensive driver
Good driver 31% (no tickets or accidents in the last three years) Good driving record for more than 5 years
Pay in full discount
Multicar 10%
Military
Homeowner
Other discounts

Automatic bill pays – Varies

Sign documents online – 7% (not available in CA, GA, and NC)

Minor child driver – Varies (newly licensed child, 18 and under)

Continuous insurance (maintained active car insurance with no gaps or cancellations)

Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21


Vehicle discounts

Progressive

Progressive

USAA

USAA

Anti-theft device
Anti-lock brake
Passive restraints N/A
Air bag
Other discounts

New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)

Bottom line

If you’ve served in the military or are currently serving, or if you qualify through a family member, USAA is by far the clear winner. With a 5 out of 5 rating from J.D. Power and an A+ from the BBB, its customer service can’t be beat. And its many discounts make car insurance affordable.

But if you don’t qualify for insurance through USAA, Progressive is a solid choice.

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