Progressive vs Travelers: Which company is best for you?
As two of the most recognizable names in insurance, both Progressive and Travelers have a variety of coverage options available. To find out more about each company's unique traits and customer satisfaction scores, take a look at our in-depth comparison below.
Progressive car insurance
Progressive has grown substantially in recent years, becoming one of the largest and most recognizable names in car insurance. The company's policy offerings are wide-ranging and its large selection of discounts means will be appealing to drivers looking for reasonably affordable rates. The company has also become one of the top companies for commercial auto insurance coverage.
Travelers car insurance
As one of the oldest insurers in the United States, Travelers provides a number of popular coverage and bundling options. Available coverage types are on par with those offered by most other major insurance companies, and should be suitable for the needs of most drivers. They also offer a wide variety of discount options. However, customers looking for the best customer service may be somewhat disappointed, as Travelers scores lower than competitors for overall customer satisfaction.
Progressive vs. Travelers: car insurance rate comparison
Progressive and Travelers are often seen as relatively affordable car insurance options. However, your unique driver profile will likely mean that your car insurance quotes will be different from the average rates. There are a number of rating factors that go into determining your car insurance rate. For that reason, our advice is to get quotes from each company to see which best fits your budget.
To help simplify the insurance-shopping process, we pulled average rates for both Progressive and Travelers. These rates look into account rates based on credit score, driving record, and age. Compare the rates below to help guide you to an affordable policy.
Travelers is generally cheaper across multiple categories, though Progressive's average rate of $104 per month certainly isn't too expensive.
Progressive vs. Travelers: pricing by credit score
If you have extremely bad credit, Travelers could be a slightly better option. On average, Travelers is somewhat cheaper than Progressive for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should likewise consider Travelers. Below you'll find average insurance rates by credit level for companies.
CREDIT SCORE INSURANCE RATE COMPARISON: PROGRESSIVE VS. TRAVELERS
|Credit level||Progressive avg. annual premium||Travelers avg. annual premium|
|Very Poor (300-579)||$3,602||$3,224|
|Very Good (740-799)||$1,453||$1,182|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Progressive vs. Travelers: rates for high-risk drivers
If you have a DUI or reckless driving citation in your recent history, Travelers could be a better option than Progress. Remember that every car insurance company rates driving offenses differently, so compare quotes from a number of insurers to discover which best suits you.
RATES BY VIOLATION: PROGRESSIVE VS. TRAVELERS
|Citation||Progressive avg. annual premium||Travelers avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||n/a|
|At-fault accident (damage > $1,000)||$2,245||n/a|
Progressive vs. Travelers: rates by age bracket
Car insurance companies rely on age to estimate risk, pricing policies accordingly. Because of their inexperience behind the wheel, auto insurers tend to charge much for young drivers, especially when compared to older drivers. Because every insurance company prices age tiers in a different way, it's wise to compare rates and find a suitable policy.
In general, teen drivers should choose Travelers over Progressive, with the potential to save an average of over $4,600 per year.
COMPARING AUTO INSURANCE RATES BY AGE: PROGRESSIVE VS. TRAVELERS
|Age||Progressive avg. annual premium||Travelers avg. annual premium|
Affordability aside, both Progressive and Travelers have their pros and cons. These can include discounts, additional coverages, customer satisfaction ratings, and financial stability. Make sure to do your comparisons before making your final decision.
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Ratings comparison: Progressive vs. Travelers
When looking for a new car insurance policy, it's important to look beyond price alone. Cheaper companies may not always provide the greatest customer service or may suffer from poor coverage options. To help you narrow down your search, we've compiled ratings from some of the most trusted sources in insurance, including The Zebra, to help you get a better picture of how Progressive and Travelers compare. See ratings for these two companies below.
|Financial strength (A.M. Best)||Superior||Superior|
|JD Power (claims satisfaction)||Below Average||Average|
|JD Power (customer satisfaction)||Below Average||Below average|
|The Zebra's editorial review score||4/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.3/5||4.3/5|
The Zebra's Customer Satisfaction Survey
To get a better sense of how customers viewed the level of service they received from their insurance companies, The Zebra surveyed the best car insurance companies across a wide range of topics. Below you can see how customers viewed their experiences with both Progressive and Travelers.
Progressive car insurance placed among the top five companies overall with a score of 4.3, signifying that customers are generally pleased with the level of service they receive from the company. The company place in the top three for online satisfaction, indicating that Progressive's website and app selection are considered quite valuable by its customers.
- Top five overall for car insurance
- Top three for online satisfaction
- Among the top five companies for home and auto bundling
Travelers auto insurance came in sixth place overall (out of 15 carriers) with a score of 4.3. The company scored well in most categories. See highlights below.
- Scored well in Online Satisfaction (4.4)
- In the top 5 for Claims and Customer Service Satisfaction
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Progressive vs. Travelers: discount comparison
A good way to save money on your car insurance premiums is to consider auto insurance discounts. Take a look at the discount options from both Progressive and Travelers in the table below.
|Anti-lock brake system|
|Student away at school||✓||✓|
|Affinity membership alum||✓|
|Pay in full||✓||✓|
|eSign or ePay|
Telematics options: Progressive vs. Travelers
Telematics programs offer safe drivers the chance to lower their premiums by having their driving habits monitored by their insurer. This helps the insurance company better determine the level of risk that a driver poses, which could in turn bring your rates down. Both Progressive and Travelers offer telematics options that are worth considering. Compare each company's telematics programs below.
Snapshot is Progressive's telematics option. The app tracks drivers' behavior while behind the wheel (including hard braking, speeding, and more) to give a more accurate level of risk. Good drivers stand to save an average of $145 on their premium according to the company.
Travelers IntelliDrive offers safe drivers the opportunity to save up to 20%. Participating policyholders must download a mobile app that tracks your driving habits for 90 days, after which time you might see savings. Bear in mind that this program is not available in all states.
Roadside assistance: Progressive vs. Travelers
No one wants to be stranded on the side of the road after a breakdown. If you are, however, you'll definitely appreciate a good roadside assistance program. Compare the different optional programs provided by both Progressive and Travelers below.
Progressive partners with a company called Agero to provide roadside assistance. These services can be used for your car, boat, motorcycle or RV. When added to your policy, Progressive's roadside assistance program offers the following:
- Fuel delivery
- Flat-tire changes
- Battery jump-start
- Battery recharge for EVs
- Lock-out services
- On-scene labor
- Winching services
Travelers offers two tiers of Roadside assistance, both available 24-hours a day. Have a look at how each package compares below:
|Plan features||Basic plan||Premier Roadside Assistance|
Yes (up to 15 miles)
|Yes (up to 100 miles)|
|Flat tire change||
|Trip interruption coverage*||
|Personal property coverage**||
*Covers up to $200 per day, up to a maximum of $600
** Provides $500 of coverage for personal property damaged or stolen
Progressive vs. Travelers: home insurance
Progressive and Travelers both offer homeowners insurance. Customers can purchase stand-alone policies or bundle coverage together with auto or other insurance products types. In general, Progressive has a much larger presence in the auto insurance space than it does homeowners, and some policyholders may find its policy options lacking. Travelers has long been popular in home insurance and offers robust options that most homeowners will find sufficient.
Progressive homeowners insurance review
Progressive offers homeowners insurance in all 50 states plus Washington D.C. While the company provides basic coverage options, homeowners looking for more robust policies might find Progressive's options lacking.
- The Zebra Customer Satisfaction Survey – 4.1/5: While a rating above 4 stars is sufficient, Progressive home ranked last overall among the 15 carriers surveyed.
- J.D. Power Rating – Below average: J.D. Power rates Progressive auto insurance as below-average in overall customer satisfaction.
- Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive has a solid ability to pay out claims.
- NAIC Rating– Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average regarding Progressive homeowners insurance in 2020.
Travelers homeowners review
Similar to its auto coverage, Travelers has a large footprint in the home insurance space. The company has a variety of coverage options, discounts and add-ons, and boasts reasonable rates overall. However, the company's homeowners offering didn't do quite as well in The Zebra Customers Satisfaction Survey. Find out more about the company and its ratings below.
- The Zebra Customer Satisfaction Survey — 4.3/5: Travelers received a 4.3 out of 5 in The Zebra's survey of customer satisfaction, 14th out of 15 companies.
- Claims satisfaction (J.D. Power Rating) — Average: In J.D. Power's most recent property claims satisfaction report, Travelers came in just below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Travelers fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Excellent: According to AM Best, Travelers has strong financials and will be able to handle your claims.
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Travelers' homeowners insurance, falling just below the national complaint index.
Progressive vs. Travelers: home insurance rate comparison
Homeowners insurance rates can vary depending on your location, your claims history, and the company that you choose. Progressive's average yearly home insurance rate is $1,355, breaking down to just under $113 per month. Travelers comes in somewhat higher with an average of $1,500 per year.
Remember that while cost is an important factor when shopping for homeowners insurance, it's most important to have good coverage from an insurer that you can trust.
Progressive is the cheaper home insurance option with an average rate of $113 per month.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Progressive vs. Travelers: homeowners discount comparison
For eligible policyholders, home insurance discounts can be a great way to save your home insurance coverage. Both Progressive and Travelers offer homeowners discounts to eligible policyholders. See how they compare below.
|Recent home buyer||✓||✓|
|Newer/more durable roof|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full||✓|
|New home consturction||✓|
Other insurance products and bundling options
Both Progressive and Travelers have options for bundling policy types. Have a look at the different product offerings available from each company to see if they could meet all of your insurance needs.
|Travel trailer insurance||✓|
|Mobile home insurance||✓|
In general, both Progressive and Travelers offer a wide selection of additional coverages. Progressive is a major carrier for many types of commercial insurance, including for both automobiles and small businesses. For those who use their vehicles for commercial purposes (delivery or rideshare drivers), Progressive could be the better option.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.