Progressive vs. USAA Car Insurance Comparison [2023]
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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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 26, 2023
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- 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
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
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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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!
Frequently Asked Questions
Who is eligible for USAA car insurance?
USAA car insurance is available exclusively to military personnel and their families.
Is Progressive car insurance available to everyone?
Yes, Progressive car insurance is open to everyone, regardless of military affiliation.
What additional financial services does USAA offer?
In addition to insurance protection, USAA offers a range of financial services.
How can I compare car insurance quotes from USAA and Progressive?
You can use the free quote tool provided to compare car insurance quotes from various companies, including USAA and Progressive.
What is one key difference between Progressive and USAA?
Progressive allows customers to compare quotes from up to three other providers, while USAA has an exclusive membership structure.