AAA vs. Progressive: Which Insurance Company Is Better in 2025?
AAA and Progressive both have high-quality auto insurance, but Progressive’s lower cost makes it the better overall option.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
AAA is known for helping you out when you have a flat tire or need a jump-start, but it also offers car insurance coverage to its members. AAA and Progressive are well-known insurance companies, but Progressive is the larger of the two, with 10% market share compared to less than 1% for AAA.[1]
Although Progressive has lower rates and more discounts available, AAA insurance offers an expansive list of coverages. AAA insurance is available through several different insurers that partner with various AAA clubs.
This guide will explain how the companies compare in terms of insurance rates, coverage, discounts, and customer satisfaction.
Quick Facts
Progressive is available in all 50 states and the District of Columbia.
AAA insurance coverage might vary by state and club.
Both companies have “Excellent” financial strength ratings from AM Best.
AAA vs. Progressive: Our verdict
Progressive is the better choice overall, due to low rates and the number of discounts the company offers. But AAA is also a strong choice, especially when it comes to insurance coverage options.
It’s important to note that AAA auto insurance comes from several different companies. Most don’t make information about policy features publicly available, so you’ll need to speak with an agent for coverage and other details specific to where you live. That way, you can compare personalized insurance quotes from both companies before deciding which to use. Additionally, you need to be a member of AAA to qualify for coverage.
AAA vs. Progressive
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $156/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $135/mo* |
Overall rating 4.5 | Overall rating 3.2 |
Value for money 4.5/5 | Value for money 3.2/5 |
Customer service 4.4/5 | Customer service 3.4/5 |
Claims handling 4.4/5 | Claims handling 3.4/5 |
Special highlight AAA membersAI-generated from 482 user reviews | Special highlight Competitive ratesAI-generated from 7522 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
AAA: Best for drivers with newer vehicles
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $129/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $183/mo |
4.5
Best choiceBased on 2,292 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (482)
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
Catherine
Verified Review
AAA is great
Reviewed in Pennsylvania on November 2025
Very good to deal with.
Patricia
Verified Review
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
Reviewed in Illinois on October 2025
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Totaling your car before you’ve paid it off can leave you on the hook for the difference between the car’s value and the amount you owe on the loan or lease. AAA offers gap insurance that covers the difference. That said, you must be a member of AAA to get a car insurance policy. While Progressive offers loan/lease coverage, it’s limited to 25% of your vehicle’s value.
Pros
Excellent coverage options, including gap insurance and new car protection
High J.D. Power claims satisfaction rating
Many local agents
Cons
Might have to speak with agent to get general information about AAA insurance
Available coverages and discounts may vary by state and club
Must be AAA member to purchase insurance
Progressive: Best for discounts
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $172/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,522)
Michael
Verified Review
Get a horse.
Reviewed in Alabama on December 2025
I have no tickets or accidents, yet the prices keep going up!
Robert
Verified Review
Insurance
Reviewed in South Carolina on December 2025
Not cheap, but they get the job done.
Virginia
Verified Review
Progressive Review
Reviewed in North Carolina on December 2025
I feel over the years I have had several car insurance policies. Progressive has been the best.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive gives you more ways to save on your insurance. It offers loyalty and auto-pay discounts, for example, and you can earn lower rates for owning a home even if you don’t insure your home with Progressive. AAA also offers discounts, but not as many. Progressive is also easier to find information about, and you don’t need a membership to apply for coverage.
Pros
Very competitive rates
Many available discounts
Highly rated mobile app
Cons
Low Trustpilot rating
Below-average J.D. Power claims satisfaction rating
New car protection coverage not available
Progressive vs. AAA: Which is cheaper?
Overall, Progressive has lower car insurance quotes than AAA. But the rate you pay depends on many factors, including your deductibles, driving record, the car you drive, your location, and personal information such as your age and credit history.
The table below shows the current average rates for AAA and Progressive.
Driver Type  | AAA | Progressive |
|---|---|---|
| Adult drivers | $189 | $133 |
| Liability-only coverage | $129 | $97 |
| Full coverage | $183 | $155 |
| Drivers with a speeding ticket | $235 | $191 |
| Drivers with a DUI | $271 | $250 |
| Drivers with an at-fault accident | $275 | $208 |
| Poor credit drivers | $209 | $185 |
| Good credit drivers | $152 | $131 |
| Teen drivers | $278 | $287 |
| Senior drivers | $133 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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AAA vs. Progressive car insurance discounts
AAA and Progressive both offer auto insurance discounts that can save you money on your policy, but you’ll do better with Progressive in this regard. AAA discounts can also vary by club.
Common ways to earn discounts include bundling your auto insurance with another type, such as homeowners, maintaining a good driving record, and installing a telematics device to demonstrate your safe driving habits.
Discount | AAA | Progressive |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✖ |
| Multi-policy | ✖ | ✔ |
| Multi-car | ✖ | ✔ |
| Low mileage | ✔ | ✖ |
| Telematics | ✖ | ✔ |
| Anti-theft device | ✖ | ✖ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✔ |
| Auto pay | ✖ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✖ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✔ |
Compare customer satisfaction and financial strength
AAA and Progressive come out roughly equal in terms of customer satisfaction and financial strength.
Two out of three AAA auto insurance companies have above-average scores in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. Progressive has a below-average score.[2] But Progressive fares slightly better on the National Association of Insurance Commissioners’ (NAIC) complaint index. It has fewer complaints than average.
Both companies have solid Better Business Bureau ratings but very low review ratings.[3] [4]
AAA and Progressive both received “excellent” scores for financial stability from AM Best.
The table below shows a side-by-side look at AAA and Progressive in terms of financial strength and customer satisfaction.
Score | AAA | Progressive |
|---|---|---|
| IQ Score | 8.5 | 8.7 |
| Customer reviews | 4.5/5 (2,292 reviews) | 3.3/5 (14,755 reviews) |
| J.D. Power | 697-726 (varies by AAA insurance carrier) | 673 |
| AM Best rating | A- to A (excellent) | A (excellent) |
| NAIC complaint index | 0.98 | 0.96 |
| BBB customer reviews | 1.22/5 | 1.09/5 |
Recent customer reviews of AAA car insurance
Insurify asks customers to rate their experience with AAA auto insurance, then collects the information so you can see how real customers feel about the coverage, rates, and customer service they receive. Here are some verified reviews.
Sandra
Verified Review
I've been with them for some time now and I'm not sure if they're the best for me right
Reviewed in Minnesota on November 2025
I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.
Catherine
Verified Review
AAA is great
Reviewed in Pennsylvania on November 2025
Very good to deal with.
Patricia
Verified Review
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
Reviewed in Illinois on October 2025
I have had no direct contact with AAA. It has all been done through my agent. The only claim I have had was for a damaged windshield caused by road debris, and it was handled extremely well.
David
Verified Review
Best I've had in 55 years.
Reviewed in Florida on October 2025
Get a direct number for your agent.
…
Recent customer reviews of Progressive car insurance
Insurify asks customers to rate their experience with Progressive, then collects the information so you can see how real customers feel about the coverage, rates, and customer service they receive. Here are some reviews from Progressive customers.
Michael
Verified Review
Get a horse.
Reviewed in Alabama on December 2025
I have no tickets or accidents, yet the prices keep going up!
Robert
Verified Review
Insurance
Reviewed in South Carolina on December 2025
Not cheap, but they get the job done.
Virginia
Verified Review
Progressive Review
Reviewed in North Carolina on December 2025
I feel over the years I have had several car insurance policies. Progressive has been the best.
Susan
Verified Review
Same as previous answer.
Reviewed in Florida on December 2025
Our current policy keeps going up and up every month. It’s funny they don’t tell you how that can happen or will happen. They just do it.
…
AAADrive vs. Progressive Snapshot
Telematics devices record information about how, when, and where you drive. Unlike pay-per-mile programs that charge for the number of miles you drive, telematics data lets insurers base your rates and/or discounts on how safe a driver you are.
AAA’s version is called AAADrive. It’s offered as an option in the AAA Mobile app. Progressive’s program is called Snapshot, available as a mobile app or plug-in device.
Feature | AAADrive | Progressive Snapshot |
|---|---|---|
| Best for | Frequent drivers who drive at least 1,000 miles over at least 25 journeys per quarter | Already-safe drivers; risky driving with app or device installed can increase your rate |
| Savings potential | Up to 10% | Average $169 at sign-up, $322 discount at completion |
| How it works | Uses your phone to track driving habits | Uses your phone or plug-in device to track driving habits |
| Availability | 15 states covered by Auto Club Group | Not available in New York and Hawaii |
| Data tracked | Smooth driving, speed, phone use, time of day, length of time without a break | How you drive, times of day you drive, phone use (if you use app vs. device), how much and times you drive |
| App rating (App Store/Google Play) | 4.3/2.3 | 4.86/4.6 |
| Average discount for good drivers | 20% | $322/year |
| Online tools for driver feedback | Dashboard with scores, trip log | Dashboard with trip log, trip details, driving tips |
| Gamified rewards | ✖ | ✔ (Drivers can earn badges) |
| Compatibility | Smartphone app | Smartphone app |
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Compare coverages: AAA vs. Progressive
AAA and Progressive offer similar standard coverages, like liability and full coverage, as you’ll see in the table below. The differences between the two lie mostly in the optional coverages they provide. Only AAA has gap coverage and full safety glass coverage, for example, and only Progressive covers rideshare and pet injuries.
The coverage available to you may differ slightly depending on where you live.
Coverage | AAA | Progressive |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Pet injury | ✖ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Loan/lease payoff | ✖ | ✔ |
| Classic car insurance | ✖ | ✖ |
| New car protection | ✔ | ✖ |
| Rideshare insurance | ✖ | ✔ |
AAA vs. Progressive FAQs
The answers to these questions about AAA and Progressive might help you decide which is the better company for you.
Which is cheaper: AAA or Progressive?
Progressive’s average premiums are lower than AAA’s. But the rate you receive is based on factors unique to you, so it’s important to compare prices before you buy insurance.
Is Progressive better than AAA insurance?
Not necessarily. Either company could be the best choice for a particular driver based on their coverage needs, availability of policies in their state, and other factors.
Is AAA worth it for seniors?
AAA roadside service might be worth it for seniors who don’t have roadside service included with their current auto insurance. Check membership benefits and limitations before you join to make sure it’s worth it for you.
Does Progressive or AAA have better discounts?
Progressive offers a wider variety of discounts, such as for loyalty, homeownership, and auto pay.
Do both companies have local agents?
Yes. Progressive and AAA both have local agents. You can search the companies’ directories on their websites.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Better Business Bureau. "CSAA."
- Better Business Bureau. "Progressive."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Daria has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.