I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 19, 2021

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AAA and Progressive are two of the biggest insurance providers in the insurance industry. An array of car insurance companies operate under the AAA umbrella, including insurance giants Automobile Club Group and Auto Club of Southern California Insurance Group.

However, while AAA is a massive company that offers insurance policies to drivers all over the United States, Progressive Insurance’s reach is even greater with over 18 million drivers trusting the company with their car insurance coverage.

When comparing AAA vs. Progressive auto insurance rates, obtaining quotes specific to your vehicle from each company will help you determine which coverages and best rates fit your budget.

Also, comparing ratings auto insurers of Progressive vs. AAA will give you an idea of how each serves its policyholders and how reliable its claims process is.

We’ve created this review to help consumers like you compare the two insurance providers based on several factors: coverage and benefits, customer experience, financial strength, cost, and available insurance discounts.

AAA vs. Progressive

aaa vs progressive

When comparing Progressive vs. AAA’s coverage options, it’s clear that Progressive offers more options in this particular area.

Both companies offer standard coverages such as liability, comprehensive, and collision.

  • Liability will not cover you any property damage from a collision, only the other driver.
  • Comprehensive will protect you from any collision damage as well as any acts of vandalism, fire, hail, or theft.
  • Collision coverage provides protection should your car collide with another motorist or object.

However, with the inclusion of towing and labor cost, sound system, and vet bill coverage options, Progressive has a broader range of extras available to its policyholders.

Progressive offers better coverage options for individuals with a lower credit score and a less than stellar driving record.

Claims Satisfaction

After drivers meet with an insurance representative to build a policy that works for their vehicle, they typically don’t have further communication with the company.

Except for the occasional call to change minor policy details, most interactions occur when making a claim. For that reason, insurance reviews place great importance on the claims process.

The J.D. Power Claims Satisfaction Report uses honest ratings and reviews from real insurance customers to compare AAA vs. Progressive and their other competitors.

The report uses eight key performance indicators (KPI) to determine ratings.

These KPI categories pertain to the claims process and fall under three main categories: communication, ease of service interaction, and timeliness.

In J.D. Power’s 2017 Auto Claims Satisfaction Study, Auto Club of Southern California Insurance Group, an affiliate of AAA, was rated 3 out of 5 stars in Overall Claims Satisfaction, which equates to an above-average rating.

Progressive was also rated 3 out of 5 stars in Overall Claims Satisfaction and ranked just above Auto Club of Southern California Insurance Group.

Just below the two are Travelers and Metlife, and just above, Esurance and American Family.

 Overall SatisfactionSatisfaction with Initial Claims Reporting ProcessSatisfaction with Representative Handling the ClaimSatisfaction with the Repair ProcessSatisfaction with the Rental Car Process
Auto Club Southern California3 out of 5 stars3 out of stars3 out of 5 stars2 out of 5 stars3 out of 5 stars
Progressive3 out of 5 stars3 out of 5 stars3 out of 5 stars4 out of 5 stars3 out of 5 stars
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Just as these Claims Satisfaction ratings are based on multiple elements, so are ratings of Overall Customer Satisfaction.

Customer Satisfaction

These ratings look at the bigger picture and take into account other considerations such as how each company communicates information to its policyholders and how well it handles complaints.

The J.D. Power Auto Insurance Study considers the above elements to create an unbiased comparison of AAA, Progressive, and similar insurers.

It rates the affiliates of AAA vs. Progressive and other major insurance providers to give consumers an idea of how they compare regarding coverage options, customer service, and claims processing.

Auto Club of Southern California and Progressive received an Overall Customer Satisfaction rating of 3 out of 5 stars, which is above average.

Auto Club of Southern California was given 3 out of 5 stars in all five of the individual categories that make up this rating, with the exception of Local Agent, which received a rating of 4 out of 5 stars.

Progressive rated two places below, with 3 out of 5 stars in all five categories except for Call Center Representative, which received a rating of 2 out of 5 stars.

As California is the most populous state in the United States, this review uses the California Complaint Ratio Study to give consumers a better understanding of the number of complaints filed against each company.

This study compares the number of justified complaints against the approximate claims exposure—the number of vehicle policies held by each company—to calculate a complaint ratio.

Neither AAA nor any of its affiliates submitted complaint data to this study, but Progressive did participate. Based on a total claims exposure of 334,840 and 19 justified complaints in 2016, Progressive Insurance has a complaint ratio of 5.7 per 100,000 vehicles.

This is slightly higher than the median ratio for this study, which is 5.6. The National Association of Insurance Commissioners (NAIC) collects data on customer complaints vs. premium dollars on a national level.

It creates complaint ratios based on a national median of 1.0. This means that any company with a complaint ratio over 1.0 has an above-average volume of complaints.

AAA is below the median with a complaint ratio of 0.64, while Progressive is a bit higher at 1.11.

Financial Strength

Assessing the financial strength of AAA and Progressive is an important part of choosing an insurance provider.

This measures whether an insurer can honor its policies and payout any claims after a major disaster when many claims are being made at once.

Customers can compare the financial strength of AAA and Progressive by obtaining credit ratings from one of the four major rating agencies: Moody’s, A.M. Best, Standard & Poor’s, and Fitch Ratings.

A.M. Best’s rating of AAA is “A+,” which indicates a strong financial outlook for the company.

Progressive also has a positive credit rating from A.M. Best and Moody’s.

The company has an FCR of “a” from A.M. Best and a credit rating of “A2” from Moody’s, which indicates a positive financial outlook.

Pricing and Discounts

Just as the cost of insurance often depends on a driver’s age, gender, and driving history, so too do discounts depend on a number of factors that increase the likelihood of a policyholder obtaining a better car insurance rate.

Many insurers offer discounts for safe driving, vehicle safety, and paying policies in full. In fact, as an aaa member, you can count on its well-known roadside assistance program. You can rest easy knowing if you need a locksmith, a jump start, or extra gas, AAA auto insurance has you covered.

When comparing Progressive vs. AAA’s discount offerings, Progressive comes out on top with several more options for its policyholders like flat tire, rental reimbursement, good student, and accident forgiveness.

Here’s a rundown of the discounts each one offers:

 AAAPROGRESSIVE
Multiple VehicleYESYES
Multiple PolicyYESYES
Vehicle SafetyYESYES
Teen DriverNOYES
Good StudentYESYES
Student Away from HomeNOYES
Completed Driver Training CourseNOYES
Completed Safe Driving CourseNOYES
Safe DriverYESYES
HomeownerYESYES
Annual MileageYESNO
Length of MembershipNOYES
Sign Up OnlineNOYES
Receive Online QuoteNOYES
PaperlessNOYES
Pay in FullYESYES
Automatic PaymentYESYES
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AAA vs Progressive: What Other Insurance Services Are Available?

AAA offers ONLY auto insurance. Just like insurance titans, State Farm, Allstate, Geico and Nationwide, Progressive offers the following insurance services:

AAA vs Progressive: Which Company Is Best For You?

After reading the above reviews and ratings comparing AAA vs. Progressive, you should have a better understanding of how each company performs in comparison to other competitors.

Use this information to help make an informed decision regarding the coverages and rates that best suit your insurance needs.

If you want to compare car insurance quotes further, check out our review of the Top 10 Auto Insurance Companies