Head-to-head comparison
Progressive vs USAA
This comparison applies only to military members, veterans, and their eligible family. USAA writes personal auto only for the military affinity population; Progressive is open-market and the #1 U.S. personal-auto writer by direct premium on a trailing-twelve-months basis (May 2026). For USAA-eligible households USAA has consistently scored among the top of J.D. Power's auto-insurance studies and typically prices competitively for the eligible profile; Progressive offers the industry's deepest add-on menu and a direct-channel scale advantage. The real deltas: eligibility, telematics mechanics (Snapshot's larger ceiling and ~2-in-10 surcharge probability vs SafePilot's phone-only enrollment), gap/coverage breadth, and the AM Best divergence (Progressive A+ Superior; USAA A++ Superior).
Pick Progressive if you…
- Do not qualify for USAA membership and need a carrier open to all consumers.
- Financed or leased a vehicle and want Loan/Lease Payoff (gap-equivalent, up to 25% of ACV).
- Modified or customized your vehicle and need Custom Parts coverage (up to $5,000, where available).
Pick USAA if you…
- Qualify through active-duty, veteran, or military-family status for USAA membership.
- Deploy, park on base, or store your vehicle for vehicle-storage and on-base discounts (where available).
- Want SafePilot, USAA's app-based safe-driving program with discount tiers (state availability varies).
At a glance
Why this comparison exists. USAA writes personal auto only for the military affinity population (active-duty, Guard, Reserve, veterans, spouses, and children of members). Progressive is open-market. This comparison applies only to shoppers who have confirmed USAA eligibility; for the general shopper, Progressive's realistic alternatives are the other national mass-market carriers (Allstate, GEICO, State Farm, Farmers).
Where these two actually differ
Eligibility is the first filter: USAA is military-only
USAA is a military-affinity carrier. Eligible applicants are active-duty U.S. military, National Guard and Reserve members, honorably-discharged veterans, pre-commissioning officer candidates, and the spouses and children of USAA members. If no one in your household has a military connection, USAA is not available to you, and this comparison ends there. Progressive is open-market and available to any U.S. driver. For USAA-eligible households, both quotes are worth running.
Coverage breadth and military-specific endorsements
Progressive publishes a notably deep add-on menu: Loan/Lease Payoff (gap-equivalent, up to 25% of actual cash value), Deductible Savings Bank ($50 credit per claim-free six-month period), Pet Injury automatically bundled with collision ($1,000 limit), Custom Parts and Equipment up to $5,000, and rideshare coverage in select states. USAA offers gap (Loan/Lease Insurance), plus military-specific endorsements: partial coverage during PCS moves, flexibility for garaging while on deployment, and overseas-shipment coverage. For a USAA-eligible household with imminent PCS orders or an overseas deployment, USAA's event-specific endorsements materially matter; for shoppers who want the deepest standard-coverage menu, Progressive's add-on stack is harder to beat.
Snapshot vs SafePilot
Snapshot pairs the industry's largest published upside (Progressive advertises a $328 average discount at six-month program completion plus a $164 average sign-up discount) with a transparent downside: Progressive publicly discloses that about 2 of 10 drivers see a rate increase at program completion. Snapshot is not available in California; the sign-up discount is not available in Hawaii or New York. SafePilot is a phone-only mobile-app program; USAA has published positive-upside credit and some state-level surcharge mechanics. For a consistently safe driver, Snapshot's ceiling is larger; for a USAA-eligible driver uncertain about their behavior, SafePilot carries less downside in most states.
Counterparty strength: both Superior, USAA one tier higher
AM Best affirmed Progressive at A+ (Superior) with stable outlook in May 2026 following $11.3B 2025 net income. AM Best affirmed USAA at A++ (Superior) in June 2026: the highest FSR tier. Both are comfortably above most consumer-facing thresholds; USAA sits one tier higher on the AM Best scale. For most shoppers this is informational, not disqualifying.
Claims-satisfaction signal: USAA among the top
USAA has historically scored among the top of J.D. Power's U.S. Auto Insurance Study on overall satisfaction and claims satisfaction; because USAA is an affinity carrier, J.D. Power publishes USAA's scores separately from the mass-market national ranking. Progressive scored near the national mass-market mean in 2025 trade-press reporting of regional results. For USAA-eligible households, the published signal consistently favors USAA; for the broader comparison with the open-market option, Progressive's claim handling is mid-range.
After an at-fault incident or DUI
Independent same-profile publisher analyses in 2026 showed Progressive materially cheaper than many mass-market peers after a DUI. USAA is often among the more affordable options after an at-fault incident for eligible households, but USAA does file SR-22s and underwrites the full non-standard spectrum within the eligible population. For USAA-eligible shoppers post-incident, both are worth quoting; the gap depends on state and specific incident type.
Telematics side by side
Progressive
Program Snapshot
Tracks hard_braking, acceleration, phone_use, mileage, time_of_day
Can raise rate? Yes
Enrollment max Average sign-up discount of $164 per Progressive's own Snapshot page
Renewal max Average program-completion discount of $328; usually applies at the six-month policy renewal following enrolment
State exclusions CA
Progressive itself states that "your rate may increase with high-risk driving" and that "only about 2 out of 10 drivers actually get an increase." Not available in California. The sign-up discount is not available in Hawaii or New York; Progressive excludes NC/HI/NY/MT from its Snapshot savings claims. Progressive explicitly advises drivers to "avoid driving between 12 a.m. and 4 a.m. on weekends." Phone use is only considered in some states and when you choose the mobile app rather than the device.[2]
USAA
Program SafePilot
Tracks acceleration, hard_braking, cornering, time_of_day, mileage, phone_use
Can raise rate? No
Enrollment max Up to 10% initial enrollment discount per publisher summaries
Renewal max Up to 30% continued safe-driving discount per publisher summaries
State exclusions CA
Publisher summaries describe SafePilot as a discount program (up-to-10% enrollment, up-to-30% safe-driving) with no documented rate-increase mechanic in the materials fetched at review. Treat the no-increase framing as derived from publisher summaries rather than a direct USAA statement; state program materials in your state are the source of truth. State availability per publisher summaries: 47 states plus Washington, D.C.; California NOT included. State availability changes over time as USAA files or withdraws products by state; confirm with USAA before enrolling.[5]
Financial strength
Progressive
AM Best FSR A+ (Superior)
Long-Term ICR aa (Superior)
Outlook Stable
Affirmed May 1, 2026
AM Best affirmed FSR A+ (Superior) and Long-Term ICR "aa" (Superior) of The Progressive Corporation and its members on May 1, 2026, stable outlook. The affirmation cited an increase in underwriting profit in 2025 driven by lower personal and commercial auto accident frequency, lower weather-related catastrophe losses, and favorable prior-accident-year development, with the group reporting $11.3B in net income in 2025 vs $8.5B in 2024. A+ (Superior) is one tier below A++.[1]
USAA
AM Best FSR A++ (Superior)
Long-Term ICR aaa (Exceptional)
Outlook Stable
Affirmed Jun 25, 2026
On June 25, 2026, AM Best affirmed the FSR of A++ (Superior) and the Long-Term ICR of "aaa" (Exceptional) of United Services Automobile Association and its property/casualty and life/health subsidiaries, with a stable outlook. AM Best cited improved operating performance in recent years supported by rate increases and other underwriting and claims actions, and assessed risk-adjusted capitalization at the strongest level as measured by BCAR. A++ is the top tier on AM Best's FSR scale; "aaa" is the top tier on the Long-Term ICR scale. Among the four other R6-A baseline reviews, only GEICO also carries A++ (Superior); State Farm, Progressive, and Allstate currently sit at A+ (Superior).[1]
Coverage differences
| Coverage | Progressive | USAA |
|---|---|---|
| Accident forgiveness | — | OfferedAvailability and eligibility vary by state and driving history. |
| Collision | — | Offered |
| Comprehensive and collision | OfferedOptional first-party coverages. | — |
| Comprehensive | — | Offered |
| Custom Parts and Equipment (CPE) | OfferedReimbursement for covered custom modifications, subject to $5,000 limit. | — |
| Deductible Savings Bank | Offered$50 credit toward collision or comprehensive deductible for each violation- and claim-free six-month policy period. | — |
| Loan/Lease Payoff (gap-equivalent) | OfferedUp to 25% of the vehicle's actual cash value if totaled while you still owe on it. | — |
| Medical payments (Med Pay) | OfferedOptional in most states. | — |
| Pet Injury Coverage | OfferedAutomatically included when you add collision; $1,000 limit for veterinary expenses if your pet is injured in a covered accident. | — |
| Rental Car Reimbursement | OfferedUp to policy limits during covered repairs. | — |
| Renters insurance add-on | OfferedAvailable in select states to bundle renters coverage into a single policy. | — |
| Roadside Assistance | OfferedTowing, lock-out, tire changes, fuel/fluid delivery. | — |
| Roadside assistance and rental reimbursement | — | OfferedCommon optional add-ons. |
| Trip Interruption | OfferedIn states where available: $500 daily max with $100 lodging / $50 transportation / $50 food per day. | — |
| Vehicle Protection | OfferedCovers major system repairs, minor dents/dings, and lost/stolen keys for vehicles under 7 years old also carrying liability + comprehensive + collision. | — |
| Vehicle-storage coverage during deployment or non-use | — | OfferedDocumented on USAA's military page. Amounts, terms, and state availability vary; publisher summaries flag North Carolina and Virginia as exclusion states for the storage benefit. |
| Bodily injury and property damage liability | OfferedState minimums vary; higher limits generally available. | OfferedState minimum limits vary. |
| Personal injury protection (PIP) | OfferedOffered in some states. | OfferedAvailability and required amounts are state specific. |
| Rideshare coverage | OfferedAvailable as add-on for policyholders logged into rideshare or delivery apps, offered in select states. | OfferedAvailability varies. |
| Uninsured / underinsured motorist | OfferedRequired or optional depending on state. | OfferedRequired or optional depending on state. |
Dated events that specifically move this matchup
Affects ProgressiveAM Best affirmed Progressive at A+ (Superior) with stable outlook (May 1, 2026)May 1, 2026
$11.3B 2025 net income (vs $8.5B 2024); affirmation cited lower auto accident frequency and favorable prior-year development. Progressive became #1 by trailing-twelve-months direct premiums on S&P Global Market Intelligence estimates in May 2026.[1]
Affects USAAAM Best affirmed USAA at A++ (Superior) with stable outlook (June 25, 2026)Jun 25, 2026
AM Best affirmed USAA and its property/casualty subsidiaries at A++ (Superior) in June 2026, citing capital adequacy and the stability of the affinity-member base.[1]
Who should quote each
Pick Progressive ifOpen-market shopper or non-USAA-eligible household
- You are not USAA-eligible. Progressive is the realistic choice between these two.
- You want the deepest published add-on menu (Loan/Lease Payoff, Deductible Savings Bank, Pet Injury bundled with collision, Custom Parts and Equipment).
- You want the Snapshot ceiling and are willing to accept the ~2-in-10 surcharge probability Progressive discloses.
- You're shopping after a DUI; Progressive has priced competitively in independent publisher comparisons.
Pick USAA ifUSAA-eligible households (military, veteran, family)
- You or a parent is active-duty, National Guard, Reserve, honorably-discharged veteran, or a direct family member. USAA is open to you.
- You expect PCS orders, overseas deployment, or vehicle shipment during the policy term; USAA writes military-specific endorsements.
- You weight J.D. Power claims-satisfaction heavily and want the historically-top-scored affinity option.
- You want to consolidate auto, home, banking, and investment products under one affinity organization.
Quote both ifUSAA-eligible households shopping full coverage
- For USAA-eligible households, running parallel quotes at identical coverage is the right move. USAA's published advantage does not automatically mean USAA is cheaper for every eligible profile.
- Standard clean-record profiles: compare both, especially if you want Progressive's add-on stack (Pet Injury, Deductible Savings Bank).
- Shoppers in Snapshot/SafePilot states where surcharge rules differ: compare both state addenda before enrolling in either.
- Military households approaching a PCS or deployment event: USAA's event-specific endorsements may change the net cost even if the base rate is close.
Get real quotes from Progressive and USAA on your own profile.
Compare car insurance quotesCommon questions
Is USAA cheaper than Progressive?
For USAA-eligible households, publisher comparisons at identical coverage have historically shown USAA priced competitively for most clean-record profiles. The exact gap varies by state, vehicle, and driver history. Both carriers return bindable quotes in 15-20 minutes.
Who qualifies for USAA?
USAA eligibility is open to: active-duty U.S. military, National Guard and Reserve, honorably-discharged veterans, pre-commissioning officer candidates, and the spouses and children of USAA members. Once a child of a member joins, they retain eligibility for life.
Does Progressive sell gap insurance?
Yes. Progressive's Loan/Lease Payoff coverage pays up to 25% of actual cash value if your vehicle is totaled while you still owe. USAA also offers gap (Loan/Lease Insurance).
Which has better claims service?
USAA has historically scored among the top of J.D. Power's claims-satisfaction study (published separately as an affinity tier). Progressive scored near the national mass-market mean. For USAA-eligible households the signal favors USAA; the open-market shopper comparing Progressive to its mass-market peers sees Progressive mid-range.
Will USAA cover me during a PCS or overseas deployment?
USAA writes military-specific endorsements for PCS moves, deployment-period garaging flexibility, and overseas vehicle shipment. Call USAA before orders arrive to time the policy changes correctly.
How much can Snapshot raise my rate?
Progressive publicly discloses that about 2 of 10 Snapshot drivers see a rate increase at program completion; the carrier does not publish an upper bound. The $328 average completion discount and $164 average sign-up discount are advertised floors on the upside.
Should I quote both?
Yes, if you are USAA-eligible. Running parallel quotes at identical coverage is the only reliable way to see your actual price; both carriers quote fast and bind digitally.
Sources & methodology
- ProgressiveAM Best via Business Wire: AM Best Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries (May 1, 2026 affirmation); FSR A+ (Superior); outlook stable (AM Best via Business Wire)
- ProgressiveProgressive: Snapshot program page (behaviors tracked, published averages, state availability) (Progressive)
- ProgressiveProgressive: Auto insurance discounts page (Progressive)
- ProgressiveProgressive: Auto insurance coverages page (Progressive)
- ProgressiveNerdWallet: Progressive Car Insurance Review (September 2026 modeled rates) (NerdWallet)
- ProgressiveValuePenguin: Progressive Insurance Review (modeled full-coverage rate) (ValuePenguin)
- ProgressiveInsurance Information Institute: Facts + Statistics: Auto Insurance (NAIC private-passenger market share, most recent year) (Insurance Information Institute)
- SharedAgency Checklists: NAIC 2025 Market Share, Top 25 Private Passenger Auto Insurers (secondary reporting of NAIC 2025 direct-premiums-earned data) (Agency Checklists)
- ProgressiveS&P Global Market Intelligence: Progressive now No. 1 US private auto insurer for full 12 months, estimates show (May 2026, trailing 12 months ending March 31 2026) (S&P Global Market Intelligence)
- ProgressiveThe Progressive Corporation: Form 10-K, fiscal year 2025 (SEC EDGAR) (U.S. Securities and Exchange Commission)
- ProgressiveCarrier Management: Why Progressive's Customer Scores Lag State Farm, GEICO (secondary reporting on 2025 J.D. Power U.S. Auto Insurance Study) (Carrier Management)
- ProgressiveJ.D. Power: 2025 U.S. Auto Claims Satisfaction Study (press release) (J.D. Power)
- ProgressiveJ.D. Power: 2025 U.S. Insurance Digital Experience Study (press release) (J.D. Power)
- ProgressiveNational Association of Insurance Commissioners: Consumer Information Source (complaint index lookup by insurer) (NAIC)
- USAAAM Best via Business Wire: Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation (June 25, 2026); FSR affirmed at A++ (Superior); Long-Term ICR affirmed at "aaa" (Exceptional); outlook stable (AM Best via Business Wire)
- USAAUSAA: Membership eligibility page (active-duty and former U.S. military service; qualifying family members; documentation required at sign-up) (USAA)
- USAAUSAA: Auto insurance overview (coverage types; SafePilot; direct-to-consumer distribution) (USAA)
- USAAUSAA: Military car insurance page (vehicle-storage discount, deployed-driver discount, on-base garaging discount, overseas coverage) (USAA)
- USAAUSAA: SafePilot telematics program (app-based enrollment; tracked behaviors; enrollment and safe-driving discount tiers; state availability) (USAA)
- USAANerdWallet: USAA Auto Insurance Review (September 2026 modeled full-coverage rate ~$1,587/yr against a $2,344 national average) (NerdWallet)
- USAAU.S. News & World Report: USAA Car Insurance Review (2026 modeled full-coverage rate ~$1,492/yr against a $2,510 national average) (U.S. News & World Report)
- USAAJ.D. Power: 2025 U.S. Auto Insurance Study (press release landing page; USAA excluded from official ranking due to closed membership) (J.D. Power)
- USAAInsurance.com: J.D. Power 2025 Auto Insurance Study recap (USAA ineligible for official ranking because of closed membership; USAA regional scores reported unofficially) (Insurance.com)
- USAANAIC: Consumer Information Source (complaint index methodology; per-company, per-state complaint indices) (National Association of Insurance Commissioners)
Every pivot and matrix cell on this page traces to a source listed above. Shared sources (e.g. NAIC Consumer Information Source, J.D. Power press-release landing pages) are attributed to both carriers.