Progressive vs USAA car insurance

Progressive vs USAA: Who has better car insurance?

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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.

USAA’s highly rated customer support and cheap rates make it the best pick for military-affiliated drivers, but Liberty Mutual’s still a great option if you don’t qualify for USAA.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Choose from a long list of discounts and coverage for almost any driver.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
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.

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

Compare alternatives to Progressive and USAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All 50 states & DC
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

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