Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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 representative 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 and Progressive Car Insurance Rates

When we looked at the average representative rates of the largest auto insurance companies in the United States, we found that USAA had the cheapest representative rates. Its average auto insurance rate in our analysis is $895 overall, putting it at the top of our list for the cheapest car insurance.

Progressive was in the middle of our list at No. 5, with an average overall car insurance study rate of $1,308 per year. That’s about $15 lower than the national average of $1,323 in our analysis.

This head-to-head comparison focuses chiefly rates offered by USAA and Progressive, but we also looked at how satisfied car insurance customers are with their auto insurance company. For more information, check out our full ranking of the best car insurance companies and find out what real customers say about USAA, Progressive, and their competitors.

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We 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.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 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 of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

USAA vs. Progressive: Pros & Cons

USAA

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

Progressive

  • Rates are about average
  • Middle ranking for customer satisfaction

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 does USAA offer the cheapest rates in our study, 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.

Read more in our USAA Review »

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.

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.

Read more in our Progressive Review »

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

For our 25-year-old male driver profile, the average car insurance study rate with Progressive is $1,603. At USAA, it’s $1,107, which is less than Progressive’s rate by about $500. With Progressive, 35-year-old male driver profiles have an average representative rate of $1,209. The average with USAA is $831. That’s a difference of about $375.

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The 60-year-old driver profile pays the lowest representative rates of any age group in our survey. Progressive’s average study rate for this profile is $1,106, and USAA’s is $779. That’s a $327 difference. Both of these insurers have average study rates that are lower than the national average of $1,187 for all 60-year-old male driver profiles.

To determine whether USAA or Progressive offers lower rates to male drivers, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

USAA

$1,106.57

$830.63

$778.97

Progressive

$1,602.96

$1,208.90

$1,105.52

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

For 25-year-old female driver profiles, the average car insurance study rate is $1,558 with Progressive and $1,039 with USAA. That’s a difference of about $500.

As driver profiles age, USAA’s average representative rates for female profiles are nearly identical to its rates for male profiles, while Progressive’s average study rates for the female profiles can vary compared to its rates for the male profiles. At 35 years old, female driver profiles with Progressive have an average car insurance representative rate of $1,286, which is higher than its study rate for the male profile of the same age. USAA’s average rate in our analysis is $1,286 for the 35-year-old female profile. The average study rate for the 60-year-old female profile is $1,067 with Progressive and $779 with USAA.

We used driver profiles in the ages of 25, 35, and 60 to find out if USAA or Progressive offers lower rates to female driver profiles. The profiles have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

USAA

$1,039.43

$836.67

$779.02

Progressive

$1,558.35

$1,285.99

$1,066.79

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

Driving 12,000 miles annually is not uncommon in America. The average auto insurance study rate for driver profiles with hat many miles on the odometer each year is $1,308 with Progressive. It’s roughly $400 cheaper with USAA, which has an average study rate of $895 for this mileage.

We created driver profiles with high annual mileage (12,000 per year) to compare car insurance rates through Progressive and USAA. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

USAA

$894.95

Progressive

$1,308.37

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

Driving half as much does not mean paying half as much for insurance. In fact, most insurance companies’ representative rates are very close, whether a profile drives 6,000 or 12,000 miles. That’s very much the case with Progressive, where the average study rate for 6,000 miles per year is $1,304. That’s only a couple dollars less than its study rate for driving twice as much.

USAA’s average auto insurance representative rate for 6,000 annual miles is $841, which is about $50 less than its average for higher mileage. USAA’s average study rate is about $450 less than Progressive’s average for these driver profiles.

We analyzed the different representative rates charged by USAA and Progressive to driver profiles with low mileage (only 6,000 per year).The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

USAA

$841.48

Progressive

$1,303.99

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

Driver profiles with good credit see some of the lowest auto insurance rates in our study. At Progressive, the average representative rate for these profiles is $1,296. USAA’s average for driver profiles with good credit is about $400 lower, at $881.

Our study checked rates through USAA and Progressive using driver profiles with good credit. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Good credit

USAA

$881.14

Progressive

$1,295.62

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

Driver profiles with bad credit usually pay much higher study rates than those with good credit. Interestingly, USAA has an average auto insurance representative rate of $1,826 for those with poor credit, which is more than double its rate in our study for driver profiles with good credit. Progressive’s average representative rate of $2,347 is still higher than USAA’s by about $500.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Progressive and USAA with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Poor credit

USAA

$1,825.94

Progressive

$2,347.35

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

Insurance companies like good drivers with clean records and no claims, and they reward these drivers with lower insurance rates. The average study rate for a driver profile with a clean record is $1,308 with Progressive and $895 with USAA. That’s a difference of about $400.

Our study compared rates through USAA and Progressive to find out which insurer has better rates for driving profiles with a clean record. These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Clean record

USAA

$894.95

Progressive

$1,308.37

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

Insurance companies do not like speeding, as it can lead to accidents. Having a speeding ticket on your record will almost definitely result in high premiums. USAA’s average study rate for a driving profile with a speeding ticket goes up by about $130, to $1,028. Progressive’s average representative rate after a speeding ticket goes up by about $420, to $1,736.

We also tested our driving profiles to check rates following a speeding ticket. These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 speeding violation

USAA

$1,027.98

Progressive

$1,735.51

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

An accident will likely wipe away any accumulated good driving discounts you’ve accrued and raise your auto insurance rates. The average auto insurance study rate with USAA after an accident is $1,217, which is about $320 more than its study rate for driver profiles with a clean record. Progressive is harder on driver profiles after an accident. Its average representative rate goes up to $2,296, which is almost $1,00 higher than its study rate for the profile with a clean record.

To compare the rates offered by USAA and Progressive to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 accident

USAA

$1,216.68

Progressive

$2,296.26

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

Driving under the influence is another easy way to raise your car insurance rate, no matter which insurer you choose. The average auto insurance study rate for profiles with a DUI is $1,711 with USAA, which is more than $800 higher than the company’s representative rate for good driver profiles.

Progressive’s average study rate for a DUI is $1,757. That’s about $450 higher than its representative rate for a driver profile with a clean record. The rates of both companies are below the national average of $2,363 for driver profiles with a DUI on their record.

We analyzed car insurance rates for a driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

With 1 DUI

USAA

$1,710.92

Progressive

$1,757.01

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. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates: