Compare AAA vs. Progressive Insurance

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Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

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AAA and Progressive are widely known companies in the insurance industry, especially for their auto products. Though AAA (established in 1902) has been around longer than Progressive (established in 1937), both providers offer exceptional car insurance coverage and discount options. However, each has its own strengths and weaknesses, too.

Despite Progressive’s popularity in the auto insurance and advertising markets, it has a B- rating from the Better Business Bureau. Its failure to respond to consumer complaints hurt its score, making AAA come out on top with an A+ rating. AAA also offers more discounts than Progressive, but many of Progressive’s are unique, such as priority call service, renewal guarantees, and accident forgiveness.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Progressive
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Progressive
  • You don’t want a lot of solicitations

Special Car Insurance Discounts

AAA Progressive
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Progressive
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Progressive
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Progressive
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Progressive
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Progressive
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Progressive
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Progressive Car Insurance
2016 77
2015 153
2014 102
2013 34

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Progressive Car Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Average
Pricing Average Below average
Local Agent Average Average
Call Center Representative Above average Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Progressive Car Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Among the best Below average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Progressive Car Insurance
A.M. Best A+ A+
Moody's -- Aa2
S&P's A AA

Mobile Apps

AAA Progressive
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the app here.

Roadside Assistance

AAA Progressive
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.