USAA vs. Progressive: Which one is the cheapest?
USAA costs an average of $335, while Progressive has average rates for state minimum coverage of $549.
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, USAA costs an average of $1,381. Progressive costs more at an average of $1,998.
It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on 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 cheapest rates, coming in at $4,385 per year. Progressive costs an average of $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 vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for USAA and Progressive. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| 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 good insurance companies, but if cheaper rates are your top priority, USAA might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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