Get Cheap Car Insurance Quotes from Top Companies

The best way to get the lowest rates is to compare quotes from top insurers similar to USAA.

 

It’s smart to shop around for car insurance every so often. You should make sure you have the coverage you need and that your rates are good for your situation. It also pays to shop around a bit to make sure you aren’t paying too much.

Average annual car insurance rates can vary quite a bit from company to company. Even for drivers who are seemingly the same – with the same gender, age, and driving record – rates can be very different from company to company. How each insurer treats its customers also varies quite a bit. You don’t want to go with the cheapest company only to be unhappy with the customer service when you need to make a claim.

We’ve collected average annual rates from the 10 largest car insurance companies so you can see who might give you the best deal for your situation. We also asked real customers who’ve made a claim with their car insurance company how they felt about the process, which will help you find a company that treats you right. USAA and Progressive are two large car insurance companies that are probably on your shopping list. Let’s take a look at how they compare.

USAA

  • Best overall
  • Cheapest average annual rates
  • Need military connection to join

Progressive

  • Rates are about average
  • Middle ranking for customer satisfaction

USAA vs. Progressive: Which Is Cheaper?

When we looked at the average rates of the top 10 auto insurance companies in the United States, we found that USAA had the cheapest rates by several hundred dollars. Its average auto insurance rate is $2,537 overall, putting it at the top of our list for the cheapest car insurance.

Progressive was in the middle of our list at No. 6, with an average overall car insurance rate of $4,036 per year. That’s about $80 higher than the national average rate of $3,953 for the 10 largest insurance companies.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

We also surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

USAA Auto Insurance Information

USAA does not offer car insurance to everyone. It specializes in insuring military members, veterans, and qualifying members of their families. That’s still a pretty big pool of Americans, and it’s enough to give USAA 5.7 percent of the auto insurance market. That makes it the fifth largest car insurer in the country.

Not only is USAA insurance the cheapest available, but it also has a great reputation among its policyholders. Customers gave the company the highest scores of any insurer in our survey. It earned the highest marks for the ease filing a claim and for the way those claims were resolved. More than nine in 10 said that they were likely to recommend USAA car insurance to others, and that they were likely to renew their own policies with the company.

Progressive Auto Insurance Information

Progressive is known for two things: giving shoppers the rates of other car insurance companies along with its own rates, and commercials with the ever-friendly character of Flo. The strategy is working, because Progressive surpassed Allstate in 2017 to become the third largest auto insurer in the country, with 9.88 percent of the market.

According to our survey, Progressive is in sixth place for car insurance cost and seventh place for customer satisfaction. Respondents gave it high scores for the ease of filing a claim and customer service, but they were less satisfied with the value they felt they were getting from their car insurance. About 60 percent of respondents were likely to renew, and the same number was likely to recommend Progressive car insurance to others.

USAA and Progressive Car Insurance: Which Is Cheapest for Teens?

Company

Single 17-year-old female

Single 17-year-old male

Progressive

$8,689.95

$9,625.49

USAA

$4,807.54

$5,385.61

Car insurance for new drivers is more expensive than for any other demographic, since these drivers are more likely to make mistakes that lead to accidents. The national average auto insurance rate for these drivers is $8,293.

Progressive’s average rate for 17-year-old male drivers is $9,625, and its average for female drivers of the same age is $8,690. Both of these figures are several hundred dollars higher than this age group’s average for 10 of the largest insurers in the U.S.

USAA’s average rate for teen male drivers is $5,386, and its rate for teen female drivers $4,808. These are the lowest average rates we found in this survey for this demographic.

Both of these companies offer discounts for good students who maintain a B average or better. USAA also offers a discount for teens who have completed a driver safety course.

USAA and Progressive Car Insurance: Which Is Cheapest for Men?

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Progressive

$2,758.66

$2,175.27

$2,048.63

USAA

$2,126.14

$1,540.32

$1,448.98

As drivers gain experience, they’re less likely to make costly mistakes, so insurance companies lower their rates. For 25-year-old male drivers, the average car insurance rate with Progressive is $2,759. At USAA, it’s $2,126, which is less than Progressive’s rate by more than $600. With Progressive, 35-year-old male drivers have an average rate of $2,175. The average rate with USAA is $1,540. Again, that’s a difference of more than $600.

Sixty-year-olds pay the lowest rates of any age group in our survey. Progressive’s average rate for males of this age is $2,049, and USAA’s is $1,449. That’s another $600 difference. Both of these insurers have average rates that are lower than the national average of $2,275 for all 60-year-old drivers.

USAA and Progressive Car Insurance: Which Is Cheapest for Women?

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Progressive

$2,697.73

$2,296.90

$1,991.49

USAA

$1,988.52

$1,551.43

$1,449.85

For 25-year-old female drivers, the average car insurance rate is $2,698 with Progressive and $1,989 with USAA. That’s a difference of about $700.

As drivers age, USAA’s average rates for women are nearly identical to its rates for men, while Progressive’s average rates for women can vary compared to its rates for men. At 35 years old, female drivers with Progressive have an average car insurance rate of $2,297, which is higher than its rate for men. USAA’s average rate is $1,551 for women of this age. The average rate for 60-year-old women is $1,991 with Progressive and $1,450 USAA. That’s a difference of about $550, though again, both are lower than the national average for all 60-year-old drivers.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

USAA and Progressive Car Insurance: Which Is Cheapest for High Mileage?

Company

12,000 miles annually

Progressive

$4,041.01

USAA

$2,591.91

Driving 12,000 miles annually is not uncommon in America. The average auto insurance rate for people who put that many miles on the odometer each year is $4,041 with Progressive. It’s roughly $1,500 cheaper with USAA, which has an average rate of $2,592 for this mileage.

USAA and Progressive Car Insurance: Which Is Cheapest for Low Mileage?

Company

6,000 miles annually

Progressive

$4,030.02

USAA

$2,482.69

Driving half as much does not mean paying half as much for insurance. In fact, most insurance companies’ rates are very close, whether you drive 6,000 or 12,000 miles. That’s very much the case with Progressive, where the average rate for 6,000 miles per year is $4,030. That’s only about $10 less than its rate for driving twice as much.

USAA’s average auto insurance rate for 6,000 annual miles is $2,483, which is about $100 less than its average for higher mileage. USAA’s average rate is about $1,500 less than Progressive’s average for these drivers.

USAA and Progressive Car Insurance: Which Is Cheapest for Good Credit?

Company

Good credit

Progressive

$3,628.85

USAA

$1,821.20

Drivers with good credit see some of the lowest auto insurance rates. At Progressive, the average rate for these drivers is $3,629. USAA’s average rate for drivers with good credit is about half that, at $1,821.

USAA and Progressive Car Insurance: Which Is Cheapest for Bad Credit?

Company

Poor credit

Progressive

$4,737.64

USAA

$3,690.73

Drivers with bad credit usually pay much higher rates than those with good credit. Interestingly, USAA has an average auto insurance rate of $3,691 for those with poor credit, which is nearly double its rate for drivers with good credit. Progressive’s average rate of $4,738 is still higher than USAA’s by more than $1,000.

USAA and Progressive Car Insurance: Which Is Cheapest for Good Drivers?

Company

Clean record

Progressive

$3,393.09

USAA

$1,933.68

Insurance companies like good drivers with clean records and no claims, and they reward these drivers with lower insurance rates. The average rate for a driver with a clean record is $3,393 with Progressive and $1,934 with USAA. That’s a difference of about $1,500.

USAA and Progressive Car Insurance: Which Is Cheapest After a Speeding Ticket?

Company

With 1 speeding violation

Progressive

$4,002.28

USAA

$2,193.25

Insurance companies do not like speeding, as it can lead to accidents. Having a speeding ticket on your record will almost definitely raise your rates. USAA’s average rate goes up by about $260, to $2,193. Progressive’s average rate after a speeding ticket goes up by about $600, to $4,002.

USAA and Progressive Car Insurance: Which Is Cheapest After an Accident?

Company

With 1 accident

Progressive

$4,777.04

USAA

$2,516.24

An accident will likely wipe away any accumulated good driving discounts you’ve accrued and raise your auto insurance rates. The average auto insurance rate with USAA after an accident is $2,516, which is $583 more than its rate for good drivers. Progressive is harder on drivers after an accident. Its average rate goes up to $4,777, which is almost $1,400 higher than its rate for drivers with a clean record.

USAA and Progressive Car Insurance: Which Is Cheapest After a DUI?

Company

With 1 DUI

Progressive

$3,969.65

USAA

$3,506.03

Driving under the influence is another easy way to raise your car insurance rate, no matter which insurer you choose. USAA delivers a harsher penalty for a DUI conviction than Progressive. The average auto insurance rate for drivers with a DUI is $3,506 with USAA, which is more than $1,500 higher than the company’s rate for good drivers.

Progressive’s average rate for a DUI is $3,970. That’s about $575 higher than its rate for good drivers, and it’s nearly $500 higher than USAA’s rate for these same drivers. The rates of both companies are below the national average of $4,920 for drivers with a DUI on their record.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about USAA, Progressive, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.