Company Overview
USAA
- Exclusively for military members, veterans, and families.
- Consistently top-rated for customer satisfaction.
- Competitive pricing with military-specific perks.
Progressive
- Popular for customizable coverage options.
- Offers Name Your Price® tool for budget flexibility.
- Strong online and mobile app experience.
Pricing & Discounts
USAA (avg/month)
J.D. Power: 794
$123
Progressive (avg/month)
J.D. Power: 856
$219
Discounts Offered
| Discount Type | USAA | Progressive |
|---|---|---|
| Safe driver | ||
| Military | ||
| Multi-policy | ||
| Good student | ||
| Vehicle safety |
Coverage Comparison
| Feature | USAA | Progressive |
|---|---|---|
| Liability | Standard | Standard |
| Comprehensive & Collision | Optional | Optional |
| Rental Reimbursement | ||
| Roadside Assistance | ||
| Rideshare Coverage | Limited markets | Available |
USAA is best for
Active-duty military, veterans, and families seeking premium service at discounted rates.
Progressive is best for
Drivers seeking a balance of affordability, service, and features.
Pros & Cons
| Provider | Pros | Cons |
|---|---|---|
| USAA |
Best for military Great service Fair pricing |
Not for civilians |
| Progressive |
Affordable rates Reliable claims Nationwide availability |
Varies by region Mixed reviews in some areas |
Final Recommendation
If you’re eligible for USAA, it’s often the better choice in Florida — thanks to a lower premium and comparable service. If not, Progressive still offers reliable coverage, but expect to pay more.