Progressive vs. USAA: Which Is Best? (2024)

USAA’s high customer satisfaction, financial strength, and highly rated mobile app earn it an IQ Score of 9.4 out of 10.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated November 19, 2024

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USAA and Progressive are popular options for auto insurance and two of the largest car insurance companies in the U.S. by market share.[1] Both car insurance companies provide national coverage, but USAA only sells coverage to former, active, and reserve military members and their families. If you qualify for membership, USAA offers the cheapest option overall.

However, it’s crucial to compare your options when shopping for car insurance. In addition to the average rates, you’ll want to take a closer look at the customer experience, discounts, and coverage options available when deciding on an insurer.

Quick Facts
  • USAA provides cheaper rates than Progressive for liability-only and full-coverage auto insurance, on average.

  • Progressive earned a slightly higher financial strength rating from AM Best than USAA.

  • Progressive offers more unique coverage options, but USAA provides more discounts to drivers.

Progressive vs. USAA: The verdict

USAA is the best option when it comes to overall customer service satisfaction — the company received an above-average ranking in the J.D. Power 2023 U.S. Auto Insurance Study, while Progressive ranked below average.[2] Both companies are available nationwide, though USAA only serves veterans, military members, and their families.

Both companies offer standard coverage options, though Progressive has a wider variety of available policy add-ons, like pet injury protection and trip interruption coverage. USAA offers slightly more discounts than Progressive.

Learn more about the two companies below.

Factor
Progressive
USAA
IQ Score8.49.4
J.D. Power customer satisfaction score812 out of 1,000876 out of 1,000
Average quote: liability only$98$45
Number of discounts1310
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Progressive

Progressive is the second-largest auto insurance company in the U.S. and provides various unique coverage options. The company sells many other insurance products, including homeowners, condo, renters, flood, life, travel, and business insurance.

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JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
8.4/10
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.
$98/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.
$152/mo

Progressive is the second-largest U.S. auto insurer by market share. The company offers more than 30 insurance products, including auto, home, renters, motorcycle, life, and more. Progressive customers can save through numerous discounts, including ones for bundling auto with a Progressive home or renters policy, for good students or students away at school, enrolling in automatic payments, and more. The insurer’s optional coverages are robust, from loan/lease payoff coverage to providing up to $1,000 for veterinary bills if your pet is injured while riding in your car with you.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

  • Optional coverage for pet injuries

Cons
  • Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study

  • Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews

  • Rates trend higher than rates from many competitors

Read more driver reviews of Progressive
Steven - November 19, 2024
Verified

I'll Stay with Them, No One Can Beat Them!

They are the cheapest I have found!

Lesley - November 16, 2024
Verified

Disappointed

If you want to use the auto pay feature, you have to do snapshot.

Joyce - November 14, 2024
Verified

Unfair Pricing

They initially offered a low price, but then added $100 after three months without any notice. I tried to contact them about it, but they either did not answer the phone or responded in a hostile manner. As a result, I had to cancel and find coverage elsewhere.

USAA

USAA auto insurance consistently earns high rankings for customer service, and the company provides some of the lowest rates available. The company received an A++ (Superior) rating for financial strength from AM Best. Unfortunately, USAA membership is only available to veterans, active-duty and reserve service members, and their eligible family members.

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User Reviews
3.6
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.
9.4/10
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.
$45/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.
$99/mo

USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.

Pros
  • High customer satisfaction

  • Low premiums

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

  • Customer reviews are mixed for service and claims processing

Read more driver reviews of USAA
Gloria - November 15, 2024
Verified

Not Good for Claims

I have storm damage and the claim process is not satisfactory.

Martin - November 11, 2024
Verified

Price Shopping

I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.

Rena Sabine - November 8, 2024
Verified

Disappointing and inflexible service

My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.

Progressive Snapshot vs. USAA SafePilot

Progressive Snapshot and USAA SafePilot are both usage-based insurance programs that reward customers for safe driving habits.

The Snapshot program focuses on usage-based driving, so how often you actually drive will influence your car insurance rate. You’ll track your mileage using a plug-in device or the company’s mobile app. You can maximize your discounts by limiting hard braking and accelerations, avoiding late-night trips in the car, and staying off your phone.

You’ll automatically save 10% by enrolling in the USAA SafePilot program and could save up to 30% at your next policy renewal. To start, you’ll download the SafePilot app, which will collect information about how much time you spend driving, what time of day you drive, and other factors that influence your safety on the road.

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Progressive vs. USAA: Which is the cheapest?

USAA is the cheapest option overall for liability-only and full-coverage auto insurance. However, the exact cost of your coverage will vary depending on multiple factors. Your driving record, location, age, and credit all affect your car insurance rates. For example, if you live in a ZIP code with high vandalism rates, you can expect to pay more for auto insurance.[3]

USAA: Cheapest for drivers with a clean driving record

USAA is the cheapest option for drivers with a clean driving record, but both companies fall below the national average for both liability and full-coverage insurance.

Driver Type
Progressive
USAA
Clean driving record$98$45
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

USAA: Cheapest for drivers with a speeding ticket

Speeding puts others at risk, so receiving even one speeding ticket can cause your car insurance rates to increase. Progressive offers lower rates for high-risk drivers who have received a speeding ticket.

Driver Type
Progressive
USAA
Drivers with a speeding ticket$115$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

USAA: Cheapest for teen drivers

Young drivers have a higher risk of having a fatal crash due to their lack of driving experience and potential for risky behaviors. The insurers offer similar quotes for teen drivers.

Driver Type
Progressive
USAA
18-year-old$177$74
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

USAA: Cheapest for drivers with bad credit

In most states, insurance companies can consider your credit-based insurance score to determine your premiums. Drivers with good credit typically find cheaper car insurance rates than people with poor credit.

Driver Type
Progressive
USAA
Drivers with bad credit$118$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

USAA: Cheapest for senior drivers

On average, senior drivers will find the lowest rates for car insurance by choosing USAA. However, both Progressive and USAA offer affordable coverage for senior drivers.

Driver Type
Progressive
USAA
Senior drivers$61$35
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Progressive vs. USAA

Progressive and USAA offer the standard types of coverage you’d expect to see in an auto insurance policy. That includes liability, collision, uninsured motorist, and comprehensive coverage.

However, Progressive offers more unique add-on coverage options than USAA. For example, if your pet incurs an injury while riding in the car with you, Progressive will cover up to $1,000 in veterinary bills. The company also offers trip interruption coverage, which pays for up to $500 in costs if your vehicle breaks down more than 100 miles from home.

Certain coverage options can vary depending on your location. For instance, USAA provides rideshare insurance to customers in every state except Hawaii, North Carolina, Michigan, Montana, New Mexico, New York, South Carolina, and Virginia.

Coverage
Progressive
USAA
Gap insuranceYesNo
Roadside assistanceYesYes
Rental reimbursementYesYes
Rideshare insuranceYesYes
Pet injury coverageYesNo
Trip interruptionYesNo

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Compare discounts: Progressive vs. USAA

USAA offers slightly more discounts than Progressive, which may partially account for why it’s the cheapest option overall. With USAA, you can receive a discount for driving a vehicle less than 3 years old or for having anti-theft devices installed. USAA also offers a discount to low-mileage drivers and to anyone storing their vehicle temporarily.

Progressive offers a discount to homeowners and students attending school more than 100 miles from home, which USAA doesn’t.

Discount
Progressive
USAA
Clean driving recordYesYes
Defensive driving courseNoYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoYes
Telematics (safe driving app)YesYes
Anti-theft deviceYes, in some statesYes
New carNoYes
Military/affiliationNoYes
Good studentYesYes
LoyaltyYesYes
Auto payYesYes
Student away at schoolYesNo
HomeownerYesNo
Alternative fuelNoNo

Progressive vs. USAA FAQs

Progressive and USAA are both excellent car insurance options to consider. The best car insurance company for you depends on your needs and financial situation. Here’s some additional information you can consider.

  • Is Progressive as good as USAA?

    Progressive ranks higher than USAA in some categories but falls behind in others. For example, USAA offers more competitive rates overall, but Progressive provides more coverage options and add-ons. USAA has higher customer satisfaction rankings, and Progressive doesn’t limit coverage to military members.

  • What are the disadvantages of USAA?

    The biggest disadvantage of USAA is that it’s only available to veterans, active-duty and reserve service members, and their eligible family members. Most drivers don’t qualify for USAA membership, and you must become a USAA member before you can receive a quote for auto insurance.

  • Is USAA car insurance really cheaper?

    USAA car insurance consistently offers some of the cheapest options for car insurance. Compared to Progressive, it’s the best option for drivers with a clean record, teen drivers, and seniors. If neither option works for you, you may want to consider other insurers, like State Farm, GEICO, or American Family.

  • What are the key differences between Progressive’s and USAA’s insurance policies?

    Progressive and USAA both offer the standard coverage options you’d expect to see. However, Progressive offers more unique coverage options, like pet injury, gap, and trip interruption coverage.

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies By Countrywide Premium."
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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