Compare Progressive vs. USAA Insurance

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Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

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Progressive and USAA are both top companies in the auto insurance industry. Progressive was founded in 1937, and USAA was founded in 1922. While Progressive is well-liked for its loyalty rewards program and additional selection of discount options, USAA has one of the highest customer satisfaction ratings for auto insurance companies.

However, Progressive has issues replying to consumer complaints, and USAA is only available to military personnel and their immediate families. Still, both companies have comparably strong financial strength and J.D. Power ratings.

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

  Progressive USAA
Best If Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Progressive
  • You don’t want a lot of solicitations
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Progressive USAA
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.

USAA

Standard Car Insurance Discounts

Bundling Coverage Discounts Progressive USAA
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Progressive USAA
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 Progressive USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Progressive USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Progressive USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Progressive USAA
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Progressive Car Insurance USAA Car Insurance
2016 77 245
2015 153 415
2014 102 380
2013 34 270

U.S. Auto Insurance Shopping Study (2016)

Progressive Car Insurance USAA Car Insurance
Overall Purchase Experience Below average Among the best
Policy Offerings Average Among the best
Pricing Below average Among the best
Local Agent Average --
Call Center Representative Average Among the best
Insurer Website Average Among the best

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

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

Financial Strength Ratings

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

Mobile Apps

Progressive USAA
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.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

Progressive USAA
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.

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.