Each car insurance company has its share of pros and cons. If you’re considering USAA vs. Progressive for a new auto insurance policy, you’re already on the right track. USAA and Progressive are two of the highest-rated companies in our review of the nation’s best car insurance, each offering a variety of choices for insurance coverage at a reasonable price. But when you compare Progressive vs. USAA, which is right for you?
Below, we’ll see how USAA and Progressive stack up against one another. Because every driver is unique, we recommend getting auto insurance quotes from both and comparing results. In addition to the insurer you choose, factors like your age, vehicle make and model, and driving history can affect the price you pay.
USAA And Progressive Highlights
USAA and Progressive are two of the biggest insurers in the industry for a reason. We found USAA to be the best car insurance for veterans, active military personnel, and their families, while Progressive car insurance is a great option for high-risk drivers and drivers in their 20s.
|Superlative||Best for Military||Best for High-Risk Drivers|
|Availability||For military members, available in 50 states||No restrictions, available in 50 states|
|AM Best Financial Strength Rating||A++||A+|
|J.D. Power Claims Satisfaction||909 / 1,000||862 / 1,000|
|Mobile App Google Play Rating||4.4||4.1|
USAA Vs. Progressive: Coverage
USAA and Progressive both offer standard coverage and more. When you’re deciding how much car insurance you need, consider the minimum requirements in your state and your own driving history.
You can get the standard types of auto insurance with either USAA or Progressive. Here’s a quick look at what standard coverage encompasses:
- Liability auto insurance: Bodily injury (BI) and property damage (PD) liability insurance cover other motorists after you cause an accident. Unless you live in New Hampshire or Virginia, a certain amount of liability insurance is required to drive legally in your state.
- Collision insurance: This type of protection covers the damages your car sustains in an accident, no matter which party is at fault.
- Comprehensive car insurance: This type of coverage protects you when your vehicle is damaged by a non-collision event like hazardous weather, animals, vandalism, or theft.
- Personal injury protection (PIP): PIP covers your medical expenses and those of your passengers after an accident. It can also take care of lost wages and funeral expenses.
- Medical payments (MedPay): MedPay covers your medical expenses and those of your passengers after an accident, regardless of fault.
- Uninsured/Underinsured Motorist (UM/UIM): This type of insurance protects you in the case that you get into an accident with a motorist who doesn’t have sufficient insurance and consequently can’t cover your expenses.
Both providers also offer add-ons, which can be purchased in addition to the standard coverage mentioned above. Here are a few extra coverage options offered by USAA vs. Progressive:
USAA Vs. Progressive: Cost And Discounts
The quickest way to find out how much you will pay for USAA or Progressive car insurance is to get quotes for both. This is because quotes vary depending on a number of factors beyond the auto insurance provider you choose. Your state and age can affect car insurance rates, as well as your driving history and credit score.
If you’re looking for cheap car insurance, both USAA and Progressive have long lists of discounts that you could qualify for to get a better rate. Let’s take a closer look at discounts from USAA vs. Progressive:
|Student Away at School||✓|
|Pay in Full||✓|
|Length of Membership Savings||✓|
Comparing Progressive vs. USAA, both companies have usage-based insurance programs that work through mobile apps. Progressive’s SnapshotⓇ and USAA’s SafePilotTM monitor your driving habits, including how hard you brake and how quickly you accelerate. Safe driving will get you discounts with either insurer.
USAA Vs. Progressive: Quotes And Claims
To get a quote from USAA or Progressive, you can visit their websites or call to speak with your local insurance agent.
Progressive has some top-of-the-line tools to help you in the quotes process, including a quotes comparison tool that lets you see how Progressive’s rates compare to other auto insurance companies. There’s also the signature Name Your PriceⓇ tool. Just input how much you would like to pay for car insurance, and Progressive will show you plans that fit within your budget.
Comparing Progressive vs. USAA, USAA does not have any comparable tools. However, the provider did perform higher in J.D. Power’s 2021 U.S. Insurance Shopping Study℠. The study measured customer satisfaction in terms of price, distribution channel, and policy offerings during the quotes process. USAA received a score of 902 out of a possible 1,000 points, while Progressive earned 856.
When it comes to claims, it’s important to look into each company’s processing speed and customer service reviews, because when you’re involved in an auto accident, the last thing you want to worry about is your insurance not being cooperative.
If you are already a USAA or Progressive policyholder, you can file a claim online or over the phone.
|USAA Claims Services||800-531-8669|
|Progressive Claims Services||800-776-4737|
Both USAA and Progressive were included in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠. Progressive earned a score of 862 out of a possible 1,000 based on customer satisfaction ratings, whereas USAA received one of the highest scores of any auto insurance company in the study with 909 points. This tells us that both insurers have the ability to handle claims quickly and efficiently, but USAA comes out ahead of Progressive.
USAA Vs. Progressive: Ratings And Reviews
USAA and Progressive both have their fair share of positive customer reviews. But before we see what customers have to say, let’s compare industry ratings for Progressive vs. USAA.
|BBB Complaints Closed in Last Year||584||1,152|
|AM Best Financial Strength Rating||A++ (Superior)||A+ (Superior)|
USAA Customer Reviews
Positive customer reviews from USAA mention excellent customer service experiences that go above and beyond customers’ expectations. As with most car insurance companies, there are some negative comments as well. Several dissatisfied customers have had trouble with USAA’s claims process.
“They have always [done] the right thing by me, even when it wasn’t in [USAA’s] best interest. I have long said that if you have to be in an accident, pray the other driver has USAA insurance.”
– Matt H. via BBB
“I filed [an] accident claim where the USAA insurer was at fault. Upon providing multiple [forms of] evidence, they still denied the claim saying they couldn’t contact the insurer. Feels very shady either by the company or both.”
– Anand via BBB
Progressive Customer Reviews
When you compare USAA vs. Progressive in terms of reviews, the auto insurance companies are in a tight race. It’s not hard to find positive remarks about Progressive, like how representatives have helped drivers through the claims process. On the other hand, negative reviews mention unexpected rate increases.
“The day I put my claim in, [the agent] called back within a half hour… She got an adjuster out to me the very next day I arrived home. Outstanding customer service so far in regards to a situation that would have left my family and me heartbroken otherwise. Well done.”
– Rena B. via BBB
“Rates will go up monthly, even with a spotless driving record. If you cancel your policy, getting a refund is like pulling teeth. I would never recommend this company to my greatest enemy. Buyer beware.”
– Mariah W. via BBB
Our Take On USAA Vs. Progressive
USAA and Progressive are both top-level auto insurance providers that offer reliable coverage and many discount opportunities. While USAA stands out in terms of cost and customer satisfaction, it is only available to military members and their families. Progressive is a good alternative for those who don’t qualify for a USAA policy.
Progressive has comprehensive coverage and an extensive list of discounts that can save you money on car insurance. Plus, we found Progressive to be a great option for drivers in their 20s and high-risk drivers, who may have a speeding ticket or DUI on record.
If you qualify, we recommend getting car insurance quotes for both USAA and Progressive.
Other Top Car Insurance Companies
When looking for a new car insurance provider, it’s smart to shop around and compare quotes from multiple sources before committing to a car insurance policy. Rounding out our top four auto insurers with USAA and Progressive are household names Geico and State Farm.
Why You Should Consider Geico
When we researched more than 30 major car insurance companies across the nation, Geico auto insurance emerged as the Best Overall. Geico offers standard coverage, plus roadside assistance, rental car reimbursement, and mechanical breakdown insurance.
You can get great discounts with Geico, too. Here are a few ways to save:
- Safe driver discount
- Student driver discount
- Military discount
- Discount for drivers with an accident-free driving record
- Loyal customer discount
- And more
For more information, check out our Geico review.
Why You Should Consider State Farm
The largest auto insurance company in the nation, State Farm is one of our top choices for car insurance for its variety of coverage options and a high number of discounts for students. State Farm offers standard auto insurance, as well as roadside assistance, rental and travel expense coverage, and rideshare insurance.
With State Farm’s Drive Safe And Save™ program, you can get a discount when State Farm monitors your safe driving habits via a mobile app. There’s also the Steer Clear® app that helps drivers under 25 years old drive safely and save on auto insurance.
For more information, check out our State Farm insurance review.
FAQ: USAA Vs. Progressive
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.