Insurance Comparison

USAA vs Progressive

USAA and Progressive serve different customer bases. USAA is exclusive to military members with exceptional service, while Progressive is available to everyone with competitive pricing.

Our Pick: USAA
RECOMMENDED

USAA

4.8
AM Best RatingA++
Avg. Auto Rate$1,356/yr
Market Share5.8%
States Available50
Claims Rating4.7/5

Progressive

3.8
AM Best RatingA+
Avg. Auto Rate$1,562/yr
Market Share13.8%
States Available50
Claims Rating3.9/5

Winner by Category

USAA
Category
Progressive
Winner
Price
Winner
Coverage Options
Winner
Customer Service
Winner
Claims Handling
Tie
Discounts
Tie
Winner
Overall Winner

Price Comparison

USAA typically offers rates comparable to or better than Progressive for eligible military members. Progressive is competitive for everyone else.

Coverage Options

USAA offers military-specific benefits like deployment coverage. Progressive has flexible coverage for all driver types.

Customer Service

USAA ranks #1 in customer satisfaction. Progressive offers good digital service but can't match USAA's personal touch.

Which Company Is Right for You?

Choose USAA If You:

  • Military member or family
  • Want best customer service
  • Need military-specific benefits
  • Value deployment coverage

Choose Progressive If You:

  • Not eligible for USAA
  • High-risk driver needing coverage
  • Want Name Your Price tool
  • Need immediate coverage

Frequently Asked Questions

Is USAA better than Progressive?

For eligible military members, USAA typically offers better service and comparable or lower rates.

Can anyone join USAA?

No, USAA is limited to military members, veterans, and their families. Progressive accepts everyone.

Which is better for high-risk drivers?

Progressive is more likely to accept high-risk drivers. USAA may decline coverage for serious violations.

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