Benji Carr

Former Licensed Life Insurance Agent

Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Former Licensed Life Insurance Agent

Laura Berry

Former Insurance Agent

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Former Insurance Agent

UPDATED: Nov 8, 2023

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To Sum It Up

  • USAA is offered to veterans, active-duty military, and military families exclusively.
  • Both companies offer many coverage options, including bodily injury liability and property damage liability.
  • In most cases, USAA offers lower rates.

If you are looking at Progressive vs. USAA for military and veterans, you’ll likely find that USAA offers the veterans car insurance rates. However, Progressive offers plenty of discounts and offers affordable quotes.

When comparing Progressive vs. USAA for military and veterans car insurance, it is important to consider several factors. Read on for more information and compare rates using our comparison tool.

Progressive vs. USAA: Comparing Auto Insurance Rates

How do Progressive and USAA compare?

Let’s first look at the difference in Progressive vs. USAA for military and veterans car insurance rates.

Which is cheapest by state?

In the chart below, we list the cost of each company’s rates based on the state in which you live.

Average Annual Auto Insurance Rates for Progressive vs USAA Rates by State
StateProgressive Average Annual RatesUSAA Average Annual Rates
District of Columbia$4,970.26$2,580.44
IdahoData Not Available$1,877.61
MinnesotaData Not Available$2,861.60
North Carolina$2,382.61Data Not Available
North Dakota$3,623.06$2,006.80
New Hampshire$2,694.45$1,906.96
New Jersey$3,972.72Data Not Available
New Mexico$3,119.18$2,296.77
New York$3,771.15$3,761.69
Rhode Island$5,231.09$4,323.98
South Carolina$4,573.08$3,424.77
South Dakota$3,752.81Data Not Available
West VirginiaData Not Available$1,984.62
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For the most part, USAA offers the lowest rates, but there isn’t a huge difference in many states, including California.

Which is cheapest by driving record?

Affordable Progressive vs. USAA for military and veterans car insurance is easier to find when you have a clean driving record. Any fault on your driving record can result in higher auto insurance premiums as is shown in the chart below.

Average Annual Auto Insurance Rates by Driving Record: Progressive Vs USAA
Driving RecordProgressive Average Annual RatesUSAA Average Annual Rates
Clean Record$3,393.09$1,933.68
With One Accident$4,777.04$2,516.24
With One DUI$3,969.65$3,506.03
With One Speeding Violation$4,002.28$2,193.25
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A clean driving record could mean that you save thousands of dollars on your annual insurance premium.

Which is cheapest by age and gender?

While age is something that many insurance companies factor into your annual rates, gender is no longer an issue in several states.

Average Annual Auto Insurance Rates by Age and Gender: Progressive Vs. USAA
GroupProgressive Average Annual RatesUSAA Average Annual Rates
Married 35-year old female$2,296.90$1,551.43
Married 35-year old male$2,175.27$1,540.32
Married 60-year old female$1,991.49$1,449.85
Married 60-year old male$2,048.63$1,448.98
Single 17-year old female$8,689.95$4,807.54
Single 17-year old male$9,625.49$5,385.61
Single 25-year old female$2,697.73$1,988.52
Single 25-year old male$2,758.66$2,126.14
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States that no longer consider gender when determining your rates include California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.

One of the reasons younger drivers pay more is statistics show that they are more prone to accidents, more of which can be read about on the Insurance Information Institute site.

Which is cheapest by credit score?

See how your credit score affects rates from Progressive and USAA in the chart below.

Average Annual Auto Insurance Rates by Credit Score: Progressive Vs. USAA
Credit ScoreProgressive Average Annual RatesUSAA Average Annual Rates
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As you can see, those with good credit scores pay hundreds of dollars less per year.

Which is cheapest by annual mileage?

With some companies, the distance you drive can affect rates, but usually not by much.

Average Annual Auto Insurance Rates by Commute Length: Progressive Vs. USAA
Commute DistanceProgressive Average Annual RatesUSAA Average Annual Rates
10 miles commute. 6000 annual mileage.$4,030.02$2,482.69
25 miles commute. 12000 annual mileage.$4,041.01$2,591.91
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The difference in commute rates for Progressive is only $11.

Which is cheapest by car make and model?

The make and model of your car often affect rates, no matter which company you go with.

Average Annual Auto Insurance Rates by Make and Mode: Progressive Vs. USAA
Make and Model Progressive Average Annual RatesUSAA Average Annual Rates
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$3,914.05$2,551.56
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$4,429.56$2,409.67
2015 Toyota RAV4: XLE$3,647.22$2,454.58
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$3,962.58$2,855.69
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$4,528.90$2,422.66
2018 Toyota RAV4: XLE$3,730.78$2,529.63
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While the 2015 Toyota RAV4 has the lowest rates from Progressive, the 2015 Honda Civic Sedan garnered the lowest rates from USAA.

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Navigating Progressive vs. USAA Claims Process

Ease of Filing a Claim

Both Progressive and USAA offer convenient options for filing claims, including online platforms, phone assistance, and mobile apps. This flexibility ensures that military members and veterans can choose the method that best suits their preferences and needs.

Average Claim Processing Time

While specific processing times can vary based on individual cases, both companies strive for efficient claim processing to provide timely assistance to their customers. Military personnel and veterans can expect a streamlined claims process to help them get back on the road as quickly as possible.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is essential when evaluating insurance providers. Both Progressive and USAA have received positive reviews for their claim resolutions and payouts. Satisfied customers highlight the companies’ professionalism and promptness in handling claims, instilling confidence in military members and veterans regarding their insurance choices.

Exploring Digital and Technological Advancements of Progressive vs. USAA

Mobile App Features and Functionality

Both Progressive and USAA offer feature-rich mobile apps designed to enhance the user experience. These apps enable users to manage their policies, file claims, and access essential resources on the go. Military personnel and veterans can enjoy the convenience of handling their insurance-related tasks through user-friendly interfaces and intuitive functionalities.

Online Account Management Capabilities

Progressive and USAA provide comprehensive online account management capabilities, allowing military members and veterans to access policy information, update personal details, and review coverage options at their convenience. The user-friendly online portals empower customers to have full control over their insurance accounts, ensuring transparency and ease of use.

Digital Tools and Resources

In addition to mobile apps and online account management, both companies offer a range of digital tools and resources to assist military members and veterans. These resources may include educational materials, insurance calculators, and informative articles, providing valuable insights into various insurance aspects.

By leveraging these digital tools, customers can make informed decisions about their insurance coverage and discounts, maximizing the benefits available to them.

Progressive vs. USAA: How are their ratings and customer satisfaction?

When comparing Progressive vs. USAA for military and veterans quotes, it is also important to compare financial ratings and customer reviews.

What are their financial ratings?

A company’s financial ratings show that whether a company is financially stable or not.

Progressive Vs. USAA Financial Ratings
Ratings WebsiteProgressive RatingsUSAA Ratings
AM BestA+A++
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Both Progressive and USAA received high marks from AM Best with the latter receiving the higher rating.

How do customers rate them?

Below, we’ve included the Progressive Vs. USAA scores from top customer rating sites, including J.D. Power and the Better Business Bureau.

Progressive Vs. USAA Customer Satisfaction Ratings
Review WebsiteProgressive RatingsUSAA Ratings
Consumer Reports8795
J.D. Power N/A900 (Among the best)
Better Business Bureau1.3/5 stars1.29/5 stars
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Both companies had similar customer scores from most sites.

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Auto Insurance Coverage and Options

Progressive and USAA offer plenty of auto insurance coverage options. Learn more by reading the sections below.

What are their coverage options?

In the chart below, you’ll find some of the main coverages offered by each company.

Progressive Vs USAA Coverage Options
Types of CoverageProgressiveUSAA
Bodily injury liability
Property damage liability
Uninsured/underinsured bodily injury
Uninsured/underinsured motorist property damage
Medical payments
Roadside assistance
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The coverages listed above may be part of the company’s basic, full, or additional coverage plan.

What discounts do they offer?

Progressive doesn’t currently offer a discount for military members, though they do offer plenty of other discounts.

Progressive vs USAA: Discounts Offered
DiscountsProgressive DiscountsUSAA Discounts
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Good Credit
Good Student
Life Insurance
Low Mileage
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Occasional Operator
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Young Driver
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As you can see, Progressive offers many more discounts than USAA. Many auto insurance companies offer discount car insurance for veterans.

Progressive vs. USAA: Which company is the best?

So, when looking for the right car insurance company you’ve found yourself choosing between Progressive vs. USAA for military and veterans.

When looking to buy Progressive vs. USAA for military and veterans car insurance, it is important to figure out your exact needs and wants. That being said, veterans, active-duty military, and military families often find USAA to suit their needs more than most other companies.

Making the choice between Progressive vs. USAA for military and veterans should be done after comparing other rates. Use our comparison tool to easily compare rates today!