Progressive vs. USAA Auto Insurance Review 2024 (Compare Their Rates)

In the Progressive vs. USAA auto insurance comparison, USAA offers monthly rates starting at $220, while Progressive averages $270 per month. USAA provides better affordability for military families, while Progressive offers broader coverage. Compare these options to find the best auto insurance for your needs.

The process of comparing auto insurance companies can be stressful. In an effort to reduce your stress levels and make your decision easier, we will be focusing exclusively on Progressive vs. USAA.

Are USAA and Progressive the same company? No, they are two separate companies, and we will be covering both company’s auto insurance rates pricing and company ratings in our Progressive vs. USAA Insurance review.

Take the comparison beyond Progressive vs. USAA and type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

Progressive Vs. USAA: Comparing Affordable Rates For Men

The following table shows the rates offered to men of various ages by the largest auto insurance companies, including Progressive and USAA. These rates are for single 17 and 25-year-olds as well as married 35 and 60-year old men.

Male Auto Insurance Monthly Rates by Age & Provider

Insurance Company	Age: 17	Age: 25	Age: 35	Age: 60
	$684	$360	$327	$345
	$1,140	$302	$286	$280
	$1,250	$450	$331	$315
	$805	$309	$243	$223
	$1,113	$276	$210	$202
	$467	$167	$127	$112
	$2,288	$160	$142	$142
	$919	$249	$171	$163

Read more: Progressive vs. State Farm: Best Auto Insurance

Comparing USAA auto insurance prices with Progressive, USAA offers significantly more affordable rates. For single 17-year-old men, Progressive’s rates are over $2,300 higher annually, and even for single 25-year-old men, Progressive is still more expensive by $300.

For married 35-year-old men, Progressive is nearly $500 more expensive per year than USAA. Finally, for married 60-year-old men, Progressive is again nearly $500 more expensive per year than USAA.

So, our USAA vs. Progressive Insurance review shows that USAA wins in terms of rates offered to men of various ages. Let’s see if this holds true in our next section when we compare car insurance rates offered to women of various ages.

Progressive Vs. USAA: The Company Offering More Affordable Rates To Women

We are now going to do what we did in the last section, but this time we will analyze the rates offered to women of various ages by companies including Progressive and USAA.

Female Auto Insurance Monthly Rates by Age & Provider

Insurance Company	Age: 17	Age: 25	Age: 35	Age: 60
	$579	$348	$333	$330
	$872	$289	$279	$286
	$801	$331	$331	$315
	$625	$284	$239	$210
	$990	$270	$221	$204
	$350	$140	$127	$112
	$1,447	$144	$140	$143
	$804	$237	$173	$166

Read more: Progressive vs. Travelers: Best Auto Insurance

As you can see, for single 17-year-old women, Progressive is about $2,200 more expensive per year than USAA. For single 25-year-old women, Progressive is about $400 more expensive than USAA per year.

For married 35-year-old women, Progressive is nearly $600 more expensive per year than USAA. Finally, for married 60-year-old women, Progressive is about $450 dollars more expensive per year than USAA. Explore further in our article titled “Auto Insurance Rates by States.”

In short, USAA wins again. Let’s wrap up with company ratings and see if USAA can sweep this thing.

Progressive vs. USAA: A Comparison of Company Reviews

Before we finish for the day, we need to stress the importance of company ratings from organizations like A.M. Best and the Better Business Bureau.

A positive rating from one or both of these two rating organizations can give consumers confidence that an auto insurance company has and will continue to have financial strength.

The Better Business Bureau’s rating scale goes from the highest score of “A+” down to the lowest score of “F”. Progressive received the highest possible Better Business Bureau score of “A+”. With that being said, Progressive is not currently BBB accredited.

What score did the Better Business Bureau give USAA? The BBB gave USAA a much lower score of “B”, and USAA also lacks accreditation. A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D”. Not to mention, they actually have two different scales.

Progressive received the second-highest rating of “A+”. How did USAA do with A.M. Best? They received the highest possible rating of “A++” (Superior).

A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). Whereas their Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future. A Long-Term ICR can be issued on a long-term basis or short-term basis.

Progressive received a long-term ICR of “aa”. What long-term ICR did USAA receive? It turns out they received the highest ICR of “aaa”. So, in review, USAA insurance offers the more affordable prices and has the higher A.M. Best ratings, whereas Progressive holds the higher BBB rating. Furthermore, you can always inquire about Progressive or USAA discounts to lower your rates further.

Be aware that while anyone can get a USAA quote, coverage is only available to active, non-active, and veteran military personnel and their families. Elevate your knowledge with our “Military Auto Insurance.”

Don’t let your auto insurance company comparison stop with Progressive vs. USAA. Type your ZIP code into our free and helpful tool below to find affordable auto insurance rates from the providers in your area.