Progressive vs USAA Car Insurance [2020]

Compare car insurance for Progressive vs USAA by looking at average rates and membership qualifications. Progressive is open to everyone, but USAA insures only military personnel and their families.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 17, 2021

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Here's what you need to know...

  • Progressive and USAA are both well-established, respected insurance providers
  • Both companies offer a variety of insurance services such as auto and property and casualty
  • Progressive is open to everyone, but USAA insures only military personnel and their families

Progressive and USAA insurance companies are highly respected insurance providers with a long history.

USAA is a membership based organization catering to military personnel and their families, while Progressive is open to just about anyone.

USAA offers additional financial services as well as traditional insurance protection.

Read through this comparison and then use the free tool on this page to do your own car insurance comparison!

A Brief History

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USAA has a slightly longer history than Progressive. USAA was started in the 1920’s and is exclusive to active or retired military personnel, their spouses, widows, and children.

USAA began with a few Army officers pooling their resources to provide quality coverage for their fellow soldiers and officers.

USAA has expanded to include every branch of the military including officers and enlisted members, as well as expanding their range of services to include:

  • Banking
  • Investments
  • Asset management
  • Mutual funds
  • IRAs
  • College savings programs

Progressive began in 1937 as the Progressive Mutual Insurance Company. Two lawyers starting their careers decided that an insurance company was a good investment.

In order to provide the type of service they had envisioned, they would need some innovative strategies.

These principles have propelled the Progressive organization from those days forward into one of the largest auto insurance sellers through independent agents in the United States.

Progressive is now one of the most visible providers in the nation. They have continued to lead the way with industry firsts including:

  • Drive-in claims
  • Price comparisons
  • Immediate Response Claims Services
  • Installment premium plans

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Similarities of USAA and Progressive

While there are many distinct contrasts between the two, Progressive and USAA do have some similarities such as:

  • Auto insurance
  • Home and property insurance
  • High ratings with A.M. Best and Moody’s
  • High customer satisfaction ratings

Key Differences Between Progressive and USAA

Progressive gives customers the ability to shop up to three other providers over the phone, in person, or online, and get a quote instead of having to compile and compare the data yourself.

Progressive also offers the flexibility of completing the entire process online or with the assistance of a live representative, and you can even meet with an independent agent if you choose.

USAA and Progressive both operate nationwide, but due to their different customer bases and types of services, the number of customers varies.

USAA has the smaller customer base of the two, with just over seven million, which is to be expected with an exclusive membership structure.

Progressive has grown into a multi-billion dollar, publicly traded organization, while USAA has remained in the hands of the policyholders.

Be sure to compare both Progressive and USAA car insurance quotes along with quotes from many different companies!

References:

  1. https://www.progressive.com/
  2. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  3. https://www.usaa.com/inet/wc/why_choose_usaa_main?wa_ref=pub_global_usaaandu
  4. https://www.propertyandcasualty.com/doc/immediate-response-claims-service-0001
  5. https://www.ambest.com/home/default.aspx
  6. https://www.moodys.com/

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