When comparing AAA and Progressive, it’s important to consider coverage options, pricing, claims handling, customer service, and unique features. While AAA is well-known for its membership perks and strong roadside assistance program, Progressive offers competitive rates and an advanced digital experience.
To help you decide which insurer is the best fit for your needs, let’s break down how AAA and Progressive compare in key areas.
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Coverage Options
Both AAA and Progressive offer standard auto, home, renters, and specialty insurance policies, but their coverage structures differ.
AAA Coverage Options
- Auto Insurance: Liability, collision, comprehensive, uninsured/underinsured motorist, medical payments
- Roadside Assistance: Industry-leading coverage for breakdowns, fuel delivery, towing, and battery service
- Homeowners Insurance: Dwelling, personal property, liability, and endorsements for valuables
- RV, Boat, and Motorcycle Insurance: Specialized coverage for recreational vehicles
- Travel Insurance: Exclusive plans for AAA members who travel frequently
Progressive Coverage Options
- Auto Insurance: Standard coverage with options for accident forgiveness and gap insurance
- Snapshot® Telematics Program: Rewards safe driving habits with discounts
- Homeowners and Renters Insurance: Protects property and liability, often through third-party providers
- Rideshare Insurance: Coverage for Uber and Lyft drivers
- Mechanical Breakdown Insurance: Extended protection beyond the manufacturer’s warranty
Key Takeaway: AAA excels in roadside assistance and travel coverage, while Progressive offers more technology-driven auto insurance options.
Pricing and Discounts
AAA and Progressive differ significantly in pricing and discount structures. While Progressive generally offers lower base rates, AAA provides exclusive discounts for members.
AAA Pricing & Discounts
- AAA Membership Discounts – Exclusive pricing for members
- Multi-policy and multi-vehicle discounts
- Safe driver and accident-free discounts
- Good student and senior driver discounts
- Loyalty rewards for long-term customers
Progressive Pricing & Discounts
- Snapshot® Telematics Discount – Personalized savings based on driving habits
- Multi-car and multi-policy discounts
- Homeowner discounts (even if you don’t insure your home with Progressive)
- Continuous insurance and pay-in-full discounts
- Accident forgiveness for qualifying policyholders
Key Takeaway: Progressive offers more upfront discounts and technology-driven savings, while AAA members may receive better long-term loyalty benefits.
Claims Process
A smooth claims process is a major factor when selecting an insurer. AAA and Progressive both offer 24/7 claims support, but they differ in customer satisfaction and processing times.
AAA Claims Process
- 24/7 claims filing via phone or website
- AAA Club-Specific Claims Service, meaning experiences vary by location
- High satisfaction for roadside assistance claims but mixed reviews for auto claims
Progressive Claims Process
- AI-powered claims process for quick approvals
- Mobile app provides real-time claim tracking
- Concierge repair network for fast service
- Mixed reviews on claims resolution speed
Key Takeaway: AAA has a strong claims experience for roadside assistance, while Progressive provides a faster, tech-driven claims process.
Customer Service
AAA Customer Service
- Highly rated for roadside assistance and member perks
- Local agents provide in-person support
- Customer satisfaction varies by regional AAA club
Progressive Customer Service
- Digital-first approach with mobile and online tools
- 24/7 phone support but limited in-person agent availability
- Mixed reviews for agent availability and claims handling
Key Takeaway: AAA is best for customers who value in-person agent support and roadside assistance, while Progressive is ideal for those who prefer a digital insurance experience.
Unique Features
AAA Unique Features
- AAA Membership Perks: Includes travel discounts, hotel deals, and shopping rewards
- Premier Roadside Assistance: Industry-leading coverage for vehicle breakdowns
- Exclusive Member Discounts: Savings on insurance and travel-related expenses
Progressive Unique Features
- Snapshot® Telematics Program: Tracks driving habits to offer customized discounts
- Name Your Price® Tool: Allows customers to find a policy within their budget
- Concierge Repair Network: Partners with auto repair shops to streamline claims and repairs
Key Takeaway: AAA provides value beyond insurance with member perks, while Progressive offers more flexible pricing tools and digital-driven savings.
Availability
- AAA: Available nationwide, but policies and pricing vary by regional AAA club.
- Progressive: Available nationwide with consistent pricing and digital services across all states.
Key Takeaway: AAA’s availability depends on regional clubs, while Progressive offers uniform pricing and service nationwide.
Reputation and Reviews
Both AAA and Progressive have strong financial backing, but they differ in customer satisfaction and claims handling.
AAA Reputation
- A (Excellent) rating from A.M. Best for financial strength
- Highly rated for roadside assistance and travel benefits
- Mixed reviews on auto insurance claims handling
Progressive Reputation
- A+ (Superior) rating from A.M. Best for financial strength
- Highly rated for affordability and digital tools
- Mixed customer satisfaction for claims resolution
Key Takeaway: AAA is highly trusted for roadside assistance and membership perks, while Progressive has a strong reputation for affordability and tech-driven services.
Final Verdict: Which One is Better?
The best insurance provider between AAA and Progressive depends on your budget, service preferences, and coverage needs.
Choose AAA if:
✔️ You want comprehensive roadside assistance and membership perks
✔️ You prefer working with a local agent for in-person support
✔️ You are a frequent traveler who benefits from AAA’s discounts
Choose Progressive if:
✔️ You want lower auto insurance rates and more discounts
✔️ You prefer a tech-driven experience with mobile claims tracking
✔️ You are a high-risk driver looking for affordable coverage
Both AAA and Progressive offer strong financial backing and competitive insurance products, but AAA is ideal for travelers and those who value in-person service, while Progressive is better for tech-savvy drivers seeking affordability and convenience.
Still unsure which is right for you? Contact Blake Insurance Group today for a personalized quote and expert advice! 🚗🏡
AAA vs. Progressive - Frequently Asked Questions
Progressive generally offers lower base auto insurance rates compared to AAA. Progressive’s average monthly premium is around $104, while AAA’s average is $135. However, AAA members may qualify for exclusive discounts that lower their rates.
AAA is highly rated for customer service and roadside assistance, while Progressive receives strong ratings for affordability and digital policy management. However, AAA’s auto insurance satisfaction varies by regional club.
Both AAA and Progressive provide multiple discount opportunities:
✔ AAA Discounts: AAA Membership Discounts – Exclusive pricing for members, Multi-policy and multi-vehicle discounts, Loyalty discounts for long-term customers, Good student and safe driver discounts.
✔ Progressive Discounts: Snapshot® Telematics Program – Rewards safe driving habits, Multi-car, multi-policy, and continuous insurance discounts, Accident forgiveness for qualifying drivers, Homeowner discount (even if you don’t insure your home with Progressive).
AAA and Progressive both offer 24/7 claims support, but they differ in customer experience:
✔ AAA Claims Process: 24/7 claims filing via phone or website, AAA Club-Specific Claims Service, meaning experiences vary by location, High satisfaction for roadside assistance claims but mixed reviews for auto claims.
✔ Progressive Claims Process: AI-powered claims processing for faster approvals, Mobile app provides real-time claim tracking, Concierge repair network for fast service, Mixed reviews on claims resolution speed.
AAA offers bundling discounts, but savings depend on the regional club. Progressive also provides bundling discounts, but its home insurance is often underwritten by third-party providers.
Progressive is better for high-risk drivers, including those with DUIs, accidents, or speeding violations, as they offer more competitive pricing for these drivers. AAA has stricter underwriting guidelines, which may result in higher premiums for high-risk drivers.
AAA’s average homeowners insurance rate is around $1,390 per year, while Progressive’s average is $1,312 per year. AAA’s policies vary by region, while Progressive partners with third-party insurers.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
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