AAA Car Insurance vs. Progressive: Which Is Better for You?
Progressive is better than AAA for car insurance overall. Progressive’s car insurance rates are a lot cheaper than AAA’s for most drivers. And in most cases, Progressive has more discounts and add-on coverages, too.
Progressive vs. AAA: Which is better for car insurance?
| Progressive is better for… | AAA is better for… |
|---|---|
| Adult drivers with clean records Drivers with bad credit Cheap DUI insurance | Teen car insurance Customer service and satisfaction Gap insurance |
Progressive is better for adult drivers who want cheaper car insurance. Progressive doesn’t have the cheapest car insurance rates of all companies, but its rates are usually a lot lower than AAA’s.
AAA is better for teen drivers and drivers of all ages who want good customer service and satisfaction. It also offers gap insurance Gap insurance covers the difference between your car’s value and your loan balance, if you total the vehicle. , while Progressive does not.
AAA vs. Progressive car insurance
Progressive has cheaper car insurance than AAA for most drivers, including:
- Adult drivers with clean records
- Drivers with tickets or accidents
- Drivers with a DUI
- Drivers with bad credit
AAA has cheaper car insurance than Progressive for teen drivers.
Most drivers can also get more discounts and add-on coverages from Progressive than they can from AAA.
AAA vs. Progressive: Which is cheapest for most drivers?
Progressive is cheaper than AAA for both liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. and full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. car insurance.
At $801 a year, Progressive’s average liability car insurance rate is 26% cheaper than AAA’s average liability rate of $1,086 a year. It’s also slightly below the national average.
Progressive’s average full coverage car insurance rate of $2,078 a year is 30% lower than AAA’s ($2,988 a year).
Progressive vs. AAA car insurance rates
| Company | Liability annual rate | Full coverage annual rate | LendingTree score | |
|---|---|---|---|---|
 | Progressive | $801 | $2,078 |  |
 | AAA | $1,086 | $2,988 |  |
| U.S. average | $829 | $2,101 | - |
AAA vs. Progressive: Which is cheapest for drivers with a ticket or accident?
Drivers with a ticket or accident on their records get much cheaper car insurance from Progressive than from AAA.
With an average rate of $2,728 a year, Progressive is 30% cheaper than AAA for car insurance after a speeding ticket.
Progressive’s average rate for drivers after an accident is $3,102 a year, or 40% cheaper than AAA. It’s also a bit cheaper than the U.S. average.
Car insurance rates after accident or ticket
| Company | Annual rate after ticket | Annual rate after accident |
|---|---|---|
| Progressive | $2,728 | $3,102 |
| AAA | $3,954 | $5,205 |
| U.S. average | $2,591 | $3,147 |
AAA vs. Progressive: Which is cheapest for drivers with a DUI?
Progressive is cheaper than AAA for car insurance with a DUI (driving under the influence) conviction. Progressive’s average rate after a DUI is $2,656 a year, which is less than half of AAA’s average rate ($6,962 a year).
Progressive is well below the national average for drivers with a DUI, while AAA is well above.
DUI car insurance quotes
| Company | Annual rate after DUI |
|---|---|
| Progressive | $2,656 |
| AAA | $6,962 |
| U.S. average | $3,891 |
AAA vs. Progressive: Which is cheapest for drivers with bad credit?
At $3,621 a year, Progressive is much cheaper than AAA for car insurance with bad credit. AAA’s average rate for drivers with bad credit is more than double Progressive’s rate, in fact.
Progressive’s rate for drivers with poor credit is also 11% lower than the national average of $4,088 a year.
Bad credit car insurance rates
| Company | Annual rate with poor credit |
|---|---|
| Progressive | $3,621 |
| AAA | $7,710 |
| U.S. average | $4,088 |
AAA vs. Progressive: Which is cheapest for teen drivers?
AAA is cheaper than Progressive for teen car insurance. Teen drivers pay $3,069 a year for liability car insurance from AAA, on average. That’s slightly cheaper than what they pay with Progressive, which is $3,111 a year.
For full coverage, teen drivers pay about $7,472 a year with AAA. That’s 11% cheaper than Progressive’s average rate of $8,434 a year.
However, both companies charge more than the national average for teenage drivers.
Teen car insurance quotes
| Company | Liability annual rate | Full coverage annual rate |
|---|---|---|
| AAA | $3,069 | $7,472 |
| Progressive | $3,111 | $8,434 |
| U.S. average | $2,673 | $6,359 |
Progressive vs. AAA: Best car insurance coverages
Both AAA and Progressive offer several add-on coverages that let you customize your car insurance policy. The one that is better for you depends on the kind of add-on coverage you want.
You can get accident forgiveness, rental car reimbursement, rideshare insurance and roadside assistance coverage from both Progressive and AAA.
Only AAA has gap insurance, an accidental death benefit and full safety glass coverage for windshield and window repairs, though.
Some of the car insurance add-ons Progressive offers that AAA doesn’t include coverage for custom parts and equipment, pet injuries and trip interruption.
Optional auto insurance coverages
| Coverage | AAA | Progressive |
|---|---|---|
| Accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. | ||
| Accidental death benefit | ||
| Custom parts and equipment value | ||
| Disappearing deductibles Reduces your deductible at no extra cost for avoiding claims. | ||
| Full safety glass | ||
| Gap insurance | ||
| Loan/lease payoff Although Progressive's loan/lease payoff coverage is similar to gap insurance, it limits payouts to up to 25% of your vehicle's value. | ||
| New car added protection | ||
| Pet injury | ||
| Rental car reimbursement Helps cover your transportation expenses, such as for a rental car, while your vehicle is being repaired. | ||
| Rideshare Rideshare insurance covers you while you wait for pickups with your rideshare app turned on. | ||
| Roadside assistance Helps cover the costs of emergency roadside services like towing, tire changes, jump-starts and lock-out assistance. | ||
| Trip interruption | ||
| Vehicle protection |
Progressive vs. AAA: Best car insurance discounts
Progressive is better than AAA for car insurance discounts. It has discounts for bundling auto and home insurance policies, insuring more than one vehicle, signing online and more.
Although Progressive only offers a few more discounts than AAA does, Progressive is usually cheaper than AAA, so the added discounts could make it even cheaper.
Still, AAA has some car insurance discounts that Progressive doesn’t, including discounts for getting a quote before you buy a policy and for being a loyal AAA member. It’s possible AAA will be the cheapest company for you if you can get them.
This is one of the main reasons it’s good to compare car insurance quotes from several companies before you buy or renew a policy.
Auto insurance discounts
| Discount | AAA | Progressive |
|---|---|---|
| Advance quote | ||
| Automatic payment | ||
| Continuous insurance | ||
| Distant student | ||
| Good student | ||
| Homeowner | ||
| Loyalty | ||
| Membership | ||
| Multi-policy (bundling) | ||
| Multi-vehicle | ||
| Online quote | ||
| Paperless | ||
| Pay in full | ||
| Safe driving | ||
| Sign online | ||
| Teen driver |
Progressive vs. AAA: Best auto customer satisfaction
AAA is better than Progressive for customer service and satisfaction, based on ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC).
Not only does AAA have a better J.D. Power overall satisfaction rating than Progressive, but its rating is also well above the industry average. AAA scores better for claims satisfaction than Progressive does, too.
Progressive’s NAIC complaint rating is slightly better than AAA’s, but both companies beat the industry average. That means they receive fewer customer complaints than expected.
AAA and Progressive auto ratings comparison
| Rating | AAA | Progressive | Industry average |
|---|---|---|---|
| Overall satisfaction Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher scores are better. | 658 (Good) | 622 (Poor) | 644 |
| Claims satisfaction Source: J.D. Power 2024 U.S. Auto Claims Satisfaction Study. Higher scores are better. | 692 (Average) | 672 (Poor) | 697 |
| Complaints Source: NAIC 2024 Complaint Index. Lower ratings are better. | 0.91 (Average) | 0.61 (Good) | 1.0 |