USAA vs. Progressive: Which offers the cheapest auto insurance rates?

USAA vs. Progressive: Which one is the cheapest?

USAA state minimum coverage costs an average of $335 annually, while Progressive costs $549.

For full coverage with 100/300/100 liability and $500 deductibles for comprehensive and collision, USAA averages $1,381 per year. Progressive costs more, averaging $1,998 a year.

Always compare quotes because prices and required coverage vary by state and your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Progressive	$1,998	$549	$709
USAA	$1,381	$335	$435

USAA vs. Progressive: Rates by age group

For teens—one of the most expensive age groups to insure–USAA has the lowest rates at $4,385 per year. Progressive costs more, averaging $7,174 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,406 at USAA, while at Progressive the average rate for an adult is $2,009.

Age group	USAA	Progressive
Teens	$4,385	$7,174
Young adults	$2,159	$3,242
Adults	$1,406	$2,009
Seniors	$1,400	$2,000

USAA vs. Progressive: Rates for high-risk drivers

Progressive has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.

Take a look at the table below for USAA rates compared to Progressive rates.

Type of violation	USAA	Progressive
1 At-fault property damage accident over $2K	$2,075	$3,119
1 At-fault property damage accident under $2K	$2,066	$3,103
At-fault bodily injury accident	$2,133	$3,126
Careless driving	$1,834	$2,936
DUI	$2,786	$2,707
Reckless driving	$2,100	$2,982
Speeding	$1,680	$2,650

USAA vs. Progressive: Rates in your state

Insurance rates are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where USAA and Progressive offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

State	USAA	Progressive
Alabama	$1,458	$2,402
Alaska	$1,166	$1,742
Arizona	$1,581	$1,903
Arkansas	$1,090	$2,431
California	$1,827	$2,179
Colorado	$1,559	$2,796
Connecticut	$606	$1,708
Delaware	$1,463	$1,999
Florida	N/A	$2,902
Georgia	$1,562	$1,656
Hawaii	$1,067	$1,279
Idaho	$742	N/A
Illinois	$1,745	$1,412
Indiana	$783	$1,480
Iowa	$1,165	$1,589
Kansas	$1,151	$1,937
Kentucky	$1,820	$2,714
Louisiana	$1,973	$3,065
Maine	$827	$1,106
Maryland	$1,043	$1,895
Massachusetts	$1,442	$2,016
Michigan	$1,514	$2,069
Minnesota	$1,382	N/A
Mississippi	$1,320	$2,131
Missouri	$1,086	$1,960
Montana	$919	$2,414
Nebraska	$1,328	$1,964
Nevada	$1,672	$2,482
New Hampshire	$852	$1,343
New Jersey	N/A	$2,187
New Mexico	$1,054	$1,557
New York	$1,557	$1,020
North Carolina	N/A	$2,028
North Dakota	$826	$1,403
Ohio	$994	$1,626
Oklahoma	$1,447	$1,194
Oregon	$1,277	$1,765
Pennsylvania	$1,806	$2,193
Rhode Island	$1,147	$1,841
South Carolina	$1,451	$1,816
South Dakota	$1,780	$3,163
Tennessee	$1,194	$1,550
Texas	$1,812	$3,032
Utah	$1,237	$1,845
Vermont	$803	$926
Virginia	$1,192	$2,120
Washington	$853	$2,554
Washington, D.C.	$1,230	$1,488
West Virginia	$1,189	$1,825
Wisconsin	$984	$2,128
Wyoming	$1,230	N/A

USAA vs. Progressive: Which offers better discounts?

Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts USAA and Progressive give to their customers.

Discounts	USAA	Progressive
Marital status	9%	12%
Multi policy	4%	9%
Loyalty	5%	3%
Lower annual mileage	5%	5%
Days advanced purchase	5%	4%
Homeowner	N/A	4%
Education	N/A	4%
Safety devices	1%	3%
Electronic funds transfer	3%	3%
Anti-theft device	3%	0%
Profession	N/A	14%
Payment type	N/A	11%
Electronic signature	N/A	10%
Telematics	N/A	10%
Air bags	0%	1%
Paperless/electornic documents	N/A	1%

Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.

USAA vs. Progressive: The bottom line

Both USAA and Progressive are solid insurance companies, but if rates are what matter most to you, USAA may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: