Progressive vs USAA Renters Insurance — Which Is Better?
Progressive renters insurance starts at $10/mo (rated 3.8/5), while USAA starts at $10/mo (rated 4.8/5). Both cover personal property up to $100K.
| Feature | Progressive | USAA |
|---|---|---|
| Monthly Cost | $10–$25 | $10–$20 |
| Coverage | $10K–$100K | $15K–$100K |
| Deductible | $500 | $250, $500 |
| Rating | 3.8/5 | 4.8/5 |
| Best For | Budget-conscious renters who want to set... | Active military, veterans, and military families... |
Progressive highlights
- Name Your Price tool for budget-based shopping
- Multi-policy discount with auto
- Online claims filing
- Coverage for personal property in storage units
USAA highlights
- Military-exclusive membership required
- Replacement cost coverage standard
- Worldwide personal property coverage
- Uniformed Services coverage for deployment situations
The verdict
Choose Progressive if...
Budget-conscious renters who want to set a price and find matching coverage. Standout advantage: name your price lets you set a budget first.
Choose USAA if...
Active military, veterans, and military families. Standout advantage: lowest complaint ratio of any major insurer (0.31).
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●Frequently Asked Questions
Frequently Asked Questions
Is Progressive or USAA cheaper for renters insurance?
USAA is typically cheaper. Progressive starts at $10/mo while USAA starts at $10/mo. Actual pricing depends on your location and coverage amount.
Which is better — Progressive or USAA renters insurance?
It depends on what you need. Progressive (3.8/5) is best for budget-conscious renters who want to set a price and find matching coverage. USAA (4.8/5) is best for active military, veterans, and military families.
Does Progressive or USAA have better claims?
USAA has the higher customer satisfaction rating at 4.8/5. Progressive's key advantage: name your price lets you set a budget first. USAA's key advantage: lowest complaint ratio of any major insurer (0.31).
Can I switch from Progressive to USAA mid-lease?
Yes. You can switch renters insurance providers at any time — there's no penalty. Cancel your current policy after the new one is active to avoid a coverage gap.
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DepositHawk is not a law firm and does not provide legal advice. Information and documents are for informational purposes only. No attorney-client relationship is created. Consult a licensed attorney for advice specific to your situation.