Progressive vs. USAA Auto Insurance (2021)

Customers that compare Progressive vs. USAA auto insurance will find that Progressive has lower rates for younger and older drivers. Meanwhile, the average USAA quote is lower than Progressive for other ages. Progressive and USAA offer similar coverages and discounts, but USAA is only available for military members and veterans. Comparing Progressive vs. USAA will help you decide which company best fits you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 26, 2021

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Things to Remember

  • Progressive has lower rates than USAA for younger and older drivers
  • USAA is only available for military members and veterans
  • Progressive and USAA have been rated the same by A.M. Best

Progressive and USAA offer cheap auto insurance to customers. While Progressive has lower rates for younger and older drivers, USAA has lower rates for people of other ages. Comparing Progressive vs. USAA will help you find the best choice for your auto insurance needs.

Before starting this Progressive vs. USAA comparison, enter your ZIP code to find free auto insurance quotes in your area.

Progressive vs. USAA: What are their monthly rates?

How much is USAA car insurance a month, and how much is Progressive auto insurance a month? Comparing affordable Progressive vs. USAA auto insurance rates will help you make an informed choice based on your budget and needs.

The following chart shows Progressive and USAA monthly auto insurance rates based on age.

Progressive vs. USAA: Average Monthly Rates by Age
AgeProgressive Average Monthly RatesUSAA Average Monthly Rates
20$190.58$198.25
30$137.17$132.08
40$137.00$132.25
50$128.50$129.83
60$116.92$123.75
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As you can see, Progressive rates are lower for younger and older drivers, while the average USAA quote is lower for those in their 30s and 40s. Additionally, rates decrease as drivers age.

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Progressive vs. USAA: What coverages are available?

Auto insurance companies offer various coverages that customers can combine to create the ideal policy. Progressive and USAA provide the basic coverages for customers, ensuring they obtain the necessary protection.

Coverages offered by Progressive and USAA include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • Rideshare coverage

Progressive and USAA offer some other coverages as well, such as windshield repair, through partner companies.

Progressive vs. USAA: What discounts are available?

Car insurance discounts allow customers to lower their monthly auto insurance rates. Comparing Progressive vs. USAA auto insurance company discounts will help you determine how to obtain the most savings.

Discounts offered by Progressive include:

  • Good student
  • Student away at school
  • Multiple policies
  • Multiple vehicles
  • Pay in full

Discounts offered by USAA include:

  • Multi-car
  • Home and car
  • Car and life
  • Anti-lock brakes
  • Anti-theft
  • Good driver
  • Good student
  • Military

USAA offers more discount opportunities than Progressive, but both companies provide ways to save.

Progressive vs. USAA: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on financial strength. These ratings determine the likelihood that the company will provide a payout when you file a claim. The most trusted agencies have rated Progressive and USAA.

Progressive has been rated an A+ by A.M. Best, an A2 by Moody’s, and an AA by S&P. These are all solid ratings and indicate that Progressive will usually provide a payout when you file a claim.

USAA has been rated an A+ by A.M. Best and S&P and an A1 by Moody’s. These are all excellent ratings and indicate that customers will receive a payout from USAA when they file a claim.

While A.M. Best rated the two companies the same, Moody’s rated USAA better, and S&P rated Progressive better. However, all three agencies rated the companies similarly, so you do not need to worry about financial stability with either of these contenders.

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Progressive vs. USAA: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine complaints about insurance companies. The organizations have reviewed complaints made about Progressive and USAA.

At the time of this comparison, the BBB has received 2,810 complaints about Progressive over the past three years. Progressive’s complaint index ratio from the NAIC is 1.05, indicating slightly more complaints than a similarly-sized company.

The BBB has received 1,488 complaints about USAA over the past three years. According to the NAIC, the company’s complaint index ratio is 1.90, indicating almost double the volume of complaints as similarly-sized competitors.

While USAA has fewer total complaints than Progressive with the BBB, the complaint ratios show that Progressive has greater customer satisfaction.

Progressive vs. USAA: Do they offer roadside assistance?

Auto insurance companies usually offer roadside assistance to customers. This service can be helpful if a driver suffers automotive trouble. However, while the companies provide similar services, there are a few differences in the details.

The roadside assistance service offered by Progressive and USAA include:

  • Towing
  • Battery service
  • Gas delivery
  • Flat tire repair
  • Locksmith

In most states, Progressive roadside assistance is included with collision and comprehensive coverage. USAA offers roadside assistance as a separate policy but restricts eligibility to those with an existing policy.

If you purchase roadside assistance as an add-on, you should consider this addition before looking at rates, as it will increase your Progressive or USAA auto insurance quotes.

Progressive vs. USAA: Do they have mobile apps?

Customers can access Progressive and USAA mobile apps on any mobile device. Entering a USAA or Progressive Insurance login allows customers to access digital ID cards, manage policies, request roadside assistance, and make payments.

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Progressive vs. USAA: Which company is best?

Is USAA good insurance? Is Progressive better? The answer to this question depends on the customer. For military members and veterans, USAA is usually the best option. However, Progressive customers can still obtain comparable rates by combining their coverages with various discounts.

Progressive vs. USAA: The Bottom Line

Those looking to buy Progressive or USAA auto insurance might wonder which company is better. The company with the lowest rates will depend on your age.

The companies offer similar coverages and discounts, but USAA is only available for military members. Comparing Progressive vs. USAA will help you find the best choice.

Now that you’ve compared Progressive vs. USAA, enter your ZIP code to get free auto insurance rates in your area.

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