Progressive vs AAA

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Progressive Insurance is the third largest car insurance company in the country, with 13% of the total market share. Progressive was founded in 1937 and is headquartered in Mayfield, Ohio. The company serves more than 18 million customers around the country through its lineup of personal and business insurance products.

The American Automobile Association, better known as AAA, provides insurance benefits through Auto Club Enterprises Insurance Group. It is the eleventh largest car insurance carrier, with 1% of the total market share. You do not need to be a AAA member to get AAA insurance, but members qualify for special insurance discounts and get access to other perks.

Progressive vs AAA: car insurance rates comparison

Progressive and AAA both have good third-party ratings for financial strength and overall customer satisfaction. In terms of rates, AAA is slightly more expensive than Progressive, but car insurance premiums are personalized for every driver. In the table below, we highlighted the third-party ratings and average annual premiums for Progressive vs. AAA.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
Progressive 4.1 A+ 856/1,000 $582 $1,509
AAA 3.8 A- 858 / 1,000 $602 $1,990

Rates by credit score

When you apply for a car insurance policy, it is possible that the insurance company will run a credit check and use your credit score to determine your premium. The only exception is if you live in Hawaii, California, Washington, Massachusetts or New Jersey, where car insurance carriers are no longer allowed to factor your credit score into your rate. The table below includes the national average premiums for drivers based on credit score.

Credit score Poor Average Good Excellent
National average $3,873 $1,865 $1,674 $1,487

Rates by age

Teen drivers pay the highest car insurance premiums because they lack experience on the road. Additionally, data shows that young drivers are the most likely to get into accidents. The following table illustrates the average annual premiums for drivers based on age from AAA vs. Progressive.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
Progressive $1,955 $6,287 $1,796 $1,668 $1,509 $1,302
AAA $3,210 $5,446 $2,317 $2,034 $2,025 $1,157

*16 year old cost when added to parents’ policy, 18-year-old renter

Rates by driving record

One of the biggest factors that will impact your car insurance rate is your driving record. Drivers with a history of violations or accidents usually pay the highest rates. In the table below, you can see the average annual full coverage insurance premium from Progressive vs. AAA for drivers with a clean record, one speeding ticket, one accident and one DUI.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
Progressive $1,509 $1,826 $2,231 $1,933
AAA $2,003 $2,947 $3,057 $5,613

Progressive vs AAA: discounts

If you want to save money on your premium, look for insurance companies that offer car insurance discounts. Progressive and AAA both offer great discounts, but the savings available are unique to each provider. Here are some of the car insurance discounts you can get from Progressive vs. AAA.

Progressive

  • Continuous insurance discount — When you switch to Progressive from another company, you can earn a discount based on how long you were insured with your previous provider.
  • Homeowner discount — Homeowners can save an average of 10% on their premium simply by owning a home, even if Progressive is not their home insurance provider.
  • Snapshot discount — Drivers who enroll in Progressive’s Snapshot safe driver reward program can save an average of $146 on their premium by demonstrating safe skills behind the wheel.

AAA

  • AAA member discount — Drivers who have an active AAA membership can get a discount on their car insurance policy.
  • Vehicle safety features discount — If your vehicle is equipped with advanced safety features, like anti-lock brakes or an anti-theft device, you can qualify for a discount.
  • Policy bundling discount — AAA offers discounts for drivers who bundle their auto and home, renters or condo insurance policy.

Progressive vs AAA: online and mobile experience comparison

When comparing AAA vs. Progressive, we found that Progressive has a better online experience overall. You can get a quote online, access a variety of tools and resources and easily find the information you are looking for.

Because AAA sells insurance through local chapters, you must visit your state’s AAA website to find out what type of policies are available in your area, and to get a quote. During our research, we noticed that some states have better websites than others.

In addition, both Progressive and AAA offer a free mobile app that can be accessed on an Android or iOS device. Progressive’s app is the clear winner here, as the AAA app does not allow you to access insurance policy information. Here is a closer look at the AAA vs. Progressive mobile app.

Progressive

  • App Store (3.5 stars) — Through Progressive’s iOS app, you can download digital ID cards, report a new claim, track the status of existing claims, request roadside assistance and start a new insurance quote. Although this app does not have the best ratings, most of the reviews are from customers complaining about the company itself.
  • Google Play (4.1 stars) — Progressive’s app for Android devices has all the same features as the iOS app. You can get roadside assistance, report a claim, update your policy and much more. Drivers who are enrolled in the Snapshot program can also track their progress and savings through the Android mobile app.

AAA

  • App Store (4.2 stars) — AAA’s iOS app has great ratings, but the app does not have many insurance-related features. You can request roadside assistance, search for hotels and gas stations in your area, book a rental car, access your member card and more. Unlike Progressive’s app, you cannot access your insurance policy, file claims or make policy changes.
  • Google Play (4.1 stars) — The AAA app for Android devices is also highly rated, and it comes with the same features as the iOS app. You will not be able to access your insurance policy information, so this app is better suited for people who want to find nearby hotels, rental cars and gas stations that offer discounts for AAA members.

Frequently asked questions

How much does car insurance cost?

The average cost of car insurance in the United States is $1,674 per year for a full coverage policy, which includes personal liability, collision, comprehensive and medical payments coverage. However, keep in mind that you could pay more or less than average based on personal factors like your age, state and credit score.

What is the best car insurance company?

The best car insurance company varies because it is different for everyone. Some providers are known for offering low rates, some have great customer service and others offer generous discounts. The best company for you is the one that can offer the type and amount of coverage you need for the lowest price.

How much car insurance do I need?

Each state has its own minimum car insurance requirements that you must have in order to legally operate your vehicle. Most states require personal liability insurance, but if you live in a no-fault state, you will also need to purchase personal injury protection (PIP).

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor