Comparing quotes is the best way to get the lowest rates from top insurers like Progressive and USAA. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Compare Progressive vs. USAA Insurance
Get affordable car insurance quotes from top companies like Progressive and USAA Compare Auto Insurance RatesProgressive and USAA are both top companies in the auto insurance industry. 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 discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Best If/Worst If
| Best If |
Progressive
|
USAA
|
| Worst If |
Progressive
|
USAA
|
Special Car Insurance Discounts
Progressive
Name Your Price ToolProgressive’s Name Your Price tool lets you choose the best insurance product for your budget. Finding which policy best fits your budget is done with the Name Your Price tool in three simple steps.
Snapshot with ProgressiveSnapshot 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 people to save money. All you have to do is drive smart. |
USAA |
Compare Insurance Prices
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 Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2018 | 84 | |
| 2017 | 98 | |
| 2016 | 79 | 245 |
| 2015 | 153 | 415 |
| 2014 | 102 | 380 |
| 2013 | 34 | 270 |
U.S. Auto Insurance Shopping Study (2016)
| Progressive Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Purchase Experience | About average | Among the best |
| Policy Offerings | About average | Among the best |
| Pricing | About average | Among the best |
| Local Agent | About average | -- |
| Call Center Representative | Below average | Among the best |
| Insurer Website | About average | Among the best |
U.S. Auto Insurance Claims Satisfaction Study (2015)
| Progressive Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Satisfaction | About average | Among the best |
| First Notice of Loss | About average | Among the best |
| Service Interaction | About average | Average |
| Appraisal | About average | Among the best |
| Repair Process | About average | Above average |
| Rental Car Experience | About average | Among the best |
| Settlement | About average | Among the best |
Financial Strength Ratings
| Progressive Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A+ Superior | A++ |
| Moody's | Aa2 | Aaa |
| S&P's | AA | AA+ |
Mobile Apps
|
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 rep, and offers you 24/7 roadside assistance. Download the Progressive app here. |
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
Roadside Assistance
Progressive
Progressive Emergency Roadside AssistanceProgressive Emergency Roadside Assistance is for drivers who have non-accident car trouble. Roadside Services Covered
Note: the number of roadside events covered in a six-month period cannot exceed your policy limit. Contact Phone NumberProgressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Click here to visit Progressive's Roadside Assistance website. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |