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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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7+ years experience in data analysis
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Progressive and USAA are two of the most popular car insurance companies on the market. Progressive offers numerous coverage options and discounts but struggles with some aspects of customer satisfaction. USAA offers excellent customer service, but it only sells coverage to members of the military community.
Progressive is the second-largest auto insurer in the U.S., with a market share of nearly 17%, while USAA is the fifth-largest insurer, with a market share of just over 6%.[1]
To make the right choice for your needs, you should compare auto insurance rates, coverages, discounts, and customer satisfaction ratings. Here’s what you should know about Progressive and USAA.
Both Progressive and USAA have solid financial strength ratings, indicating a strong ability to pay claims.
The average monthly cost of liability coverage is $53 from USAA and $97 from Progressive.
USAA and Progressive both offer telematics programs you can use to potentially save money on coverage if you’re a safe driver.
Progressive vs. USAA: Our verdict
USAA is a great car insurance company if you qualify for membership. It excels in most categories, especially customer satisfaction and affordability. Progressive is also an excellent car insurance company that offers numerous discounts and customizable coverage for policyholders.
USAA has better customer satisfaction rankings than Progressive. For example, it earned the second-highest rating in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, compared to Progressive’s below-average score.[2] It also earned a slightly higher AM Best financial strength rating, with an A++ (Superior) rating, compared to Progressive’s A+ (Superior) rating.
But Progressive has USAA beat when it comes to discounts, offering 19 discounts compared to USAA’s 15. It also has a stronger telematics program, offering greater potential savings and availability.
Progressive vs. USAA
Average price Prices based on average across state-minimum and full coverage car insurance $135/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $76/mo* |
Overall rating 3.2 | Overall rating 4.9 |
Value for money 3.1/5 | Value for money 4.9/5 |
Customer service 3.3/5 | Customer service 4.8/5 |
Claims handling 3.4/5 | Claims handling 4.9/5 |
Special highlight Competitive ratesAI-generated from 7578 user reviews | Special highlight Members of the military communityAI-generated from 1348 user reviews |
Progressive: Best for customizable coverage
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $172/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is a good insurer for most drivers, particularly those seeking specialized coverage. The insurer offers numerous coverage options, discounts, and various other ways to save.
Drivers can save more using the Name Your Price tool, a deductible savings bank, and the Snapshot program, which rewards good driving. If you want to customize your car insurance policy, Progressive is a great choice.
Many available coverages and add-ons
Available in all 50 states
Strong digital tools and mobile app
Lower-than-average J.D. Power customer satisfaction ratings
Low Trustpilot rating
Rates can be higher for high-risk drivers
USAA: Best for customer satisfaction
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA is a great insurer if you’re a qualifying military member or family member of one. It provides excellent customer service and offers exclusive coverages and discounts to its members. The company typically has affordable average rates for its members. If you qualify for coverage, USAA is a solid choice.
High customer satisfaction
Affordable rates
Specialized coverage for military members and families
Not available to everyone
No 24/7 customer phone support
Low Trustpilot rating
USAA vs. Progressive: Which is cheaper?
Average premiums from USAA and Progressive vary based on factors such as your age, driving record, location, credit history, and other relevant factors.
Take a look at the table below to see how auto insurance rates vary between the two insurers for different types of drivers. Unless otherwise specified, all quotes below are average monthly costs for liability insurance.
Driver Type | Progressive | USAA |
|---|---|---|
| Adult drivers | $133 | $91 |
| Liability-only coverage | $97 | $53 |
| Full coverage | $172 | $99 |
| Drivers with a speeding ticket | $191 | $130 |
| Drivers with a DUI | $250 | $146 |
| Drivers with an at-fault accident | $208 | $131 |
| Poor credit drivers | $185 | $117 |
| Good credit drivers | $147 | $87 |
| Teen drivers | $287 | $186 |
| Senior drivers | $93 | $76 |
Progressive vs. USAA car insurance discounts
Both auto insurance companies have numerous car insurance discounts and ways for drivers to save on their policies.
Progressive stands out for families, thanks to its discounts for homeowners and students away at school. It also offers numerous discounts when it comes to buying a car insurance policy, such as online quote, sign online, paperless, and auto-pay discounts.[3]
USAA excels with its new car and military affiliation discounts, but it falls short of Progressive’s 19 different ways for drivers to save. Both insurers also offer solid discounts for bundling with renters insurance or home insurance.[4]
Take a look at the discounts below and compare how the two insurers stack up.
Discount | Progressive | USAA |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✔ |
| Military/affiliation | ✖ |
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