AAA Car Insurance vs. Progressive: Which Is Better for You?

Written by  Bryan Ochalla

Edited by  Michael Kitchen

+ 1 More

Published Jul 14, 2025 Content was accurate at the time of publication.

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 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:

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

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

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

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

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

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

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

Methodology

The coverages and discounts described in this article are not available in every state.

Rates are based on home insurance and auto insurance quotes for sample customers across the U.S. from Quadrant Information Services.

Unless otherwise noted, our sample driver is a 30-year-old male with a clean driving record and good credit. The sample vehicle is a 2015 Honda Civic EX. Our sample teen is an 18-year-old male with no tickets or accidents.

Liability policies include the minimum car insurance requirements, which vary by state. Full coverage includes:

Rates are shown for comparative purposes only. Yours may vary.

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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the NAIC and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.