Travelers vs. Progressive Car Insurance: Expert Recommended (2024)
Our Travelers vs. Progressive car insurance guide will help you select one of two great companies when examining rates based on age, driving record, and credit score. For the best rates, drivers with DUIs should definitely choose Progressive over Travelers. Progressive also has lower rates for young drivers, but Travelers has a wider variety of discounts.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Progressive has lower rates for young drivers
- Travelers has cheaper rates for drivers between 25 and 35 years of age
- Progressive is more punitive on those with an accident on their driving record, but easier on a driver with a DUI
- Both Travelers and Progressive have modest rates for those with fair or bad credit
We all need to take every opportunity to save money, and car insurance is no exception. It’s a flooded market, and you’ve done some research, but now you’re down to the remaining two: Travelers vs. Progressive car insurance.
Travelers and Progressive are two of the top 10 best car insurance companies, but how do they compare when it comes to rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?
Before jumping into this Travelers vs. Progressive car insurance review, enter your ZIP code to start comparing multiple companies in your local area.
Table of Contents
Is Travelers car insurance or Progressive car insurance cheaper based on age?
It’s completely fair for car insurance companies to base rates on your age. After all, the more experience driving we have, the better drivers we become. Some states will also base your car insurance rates on gender and/or marital status, though several states have outlawed this practice.
The table below compares average annual premiums between Progressive and Travelers by age tier.
| Age, Gender, and Marital Status | Travelers Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,307 | $8,690 |
| Single 17-year-old male | $12,851 | $9,625 |
| Single 25-year-old female | $2,325 | $2,698 |
| Single 25-year-old male | $2,491 | $2,759 |
| Married 35-year-old female | $2,179 | $2,297 |
| Married 35-year-old male | $2,200 | $2,175 |
| Married 60-year-old female | $2,052 | $1,991 |
| Married 60-year-old male | $2,074 | $2,049 |
Progressive’s rates for young drivers are 7 to 25 percent lower than Travelers. On the other hand, car insurance rates for drivers 25 to 35 from Progressive rates are 11 to 16 percent more expensive than Travelers.
For drivers over 35, Progressive’s rates and Traveler’s rates are fairly competitive.
So when it comes to competitive rates, Travelers car insurance vs. affordable car Progressive insurance, expect to pay lower rates with Progressive if you have a teen driver in your household.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Is Travelers car insurance or Progressive car insurance cheaper based on driving record?
Speeding tickets, accidents, DUIs, and other traffic violations will increase your Travelers and Progressive car insurance rates.
| Driving Record | Travelers Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| Clean record | $3,448 | $3,393 |
| With one speeding violation | $4,261 | $4,002 |
| With one accident | $4,290 | $4,777 |
| With one DUI | $5,741 | $3,970 |
Progressive’s rates are lower if you have a speeding ticket on your driving record but more expensive than Travelers if you have an accident on your driving record.
Expect your rate to increase by 24 percent if you get a speeding ticket while with Travelers, but with Progressive, it would be raised by only 18 percent.
On the other hand, expect your rates to be the same with Travelers whether you get a speeding ticket or you cause an accident. However, if you were to get a speeding ticket or cause an accident while with Progressive, your rate would be almost twice as much as a driver with a clean driving record.
However, Progressive is a better choice if you have a DUI on your past driving record. But if you did get a DUI while with Progressive, they will be more lenient, and your rates will increase by only 17 percent.
In the same scenario, your Travelers car life insurance quote would increase by 67 percent.
Is Travelers car insurance or Progressive car insurance cheaper based on credit score?
Just like gender and marital status, more states are outlawing car insurance rates based on credit score.
Your credit score is a strong reflection of your consistency with paying your bills, but the reason it is being outlawed is that rates quoted by insurance companies assume those with higher credit scores are better drivers.
| Credit History Summary | Travelers Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $4,059 | $3,629 |
| Fair Credit Score (580-669) | $4,344 | $3,956 |
| Poor Credit Score (300-579) | $5,160 | $4,738 |
Progressive car insurance rates are cheaper than Travelers no matter what type of credit score you have.
Both Progressive and Travelers are fairly easy on drivers based on credit score. With other car insurance companies, expect to pay up to double in car insurance rates if you have a less-than-stellar credit score.
If you renew your six-month policy, and you notice your rate has increased, it could be because your credit score dropped in the previous six months. Use your Progressive login or Travelers login to make adjustments to your coverage levels, if needed, to reduce your rate.
Where you live is the biggest factor in determining your car insurance rates because of state laws. Be sure to check your state car insurance guide before judging Travelers and Progressive car insurance rates by credit score.
Does Travelers or Progressive have better car insurance discounts?
Each company has its own selling point, and sometimes that comes down to who has the best discount that applies to your specific situation.
| Discounts | Travelers Discounts Offered | Progressive Discounts Offered |
|---|---|---|
| Claim Free | 23 | N/A |
| Continuous Coverage | 15 | N/A |
| Defensive Driver | 10 | 10 |
| Distant Student | 7 | N/A |
| Driver's Ed | 8 | 10 |
| Driving Device/App | 30 | 20 |
| Early Signing | 10 | N/A |
| Full Payment | 7.5 | N/A |
| Good Student | 8 | N/A |
| Green Vehicle | 10 | N/A |
| Homeowner | 5 | N/A |
| Multiple Policies | 13 | 12 |
| Multiple Vehicles | 8 | 10 |
| Newer Vehicle | 10 | N/A |
| On Time Payments | 15 | N/A |
| Online Shopper | N/A | 7 |
| Paperless Documents | N/A | $50 |
| Paperless/Auto Billing | 3 | N/A |
| Safe Driver | 23 | 31 |
Travelers outdoes Progressive with nine more discounts.
Both Travelers and Progressive provide a discount for when you use their driving app or driving device. You would save 30 percent with Travelers and 20 percent with Progressive by participating in their usage-based car insurance programs.
But, if you aren’t open to usage-based car insurance, you can still save 15 to 23 percent with Travelers if you have made on-time payments, had continuous coverage, are claim-free, or are a safe driver.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Does Travelers or Progressive have better car insurance mobile apps?
Most of the top 10 car insurance companies have mobile apps to access policy information and/or make payments and a separate mobile app that tracks your driving habits (usage-based car insurance).
Commonly, your progressive insurance login or travelers insurance login will work with both the general app and the driving app.
Read about Travelers’ IntelliDrive and Progressive’s Snapshot usage-based car insurance apps in our Travelers company review and our Progressive company review.
Effortless Claims Handling With Travelers vs. Progressive Car Insurance
Ease of Filing a Claim
When it comes to filing a claim with Travelers and Progressive car insurance, both companies offer multiple channels for convenience. Customers can file a claim online through their respective websites, over the phone via customer service hotlines, or even through mobile apps.
These options ensure that policyholders can choose the method that suits them best, whether they prefer the ease of online filing or the personalized assistance of a phone call.
Average Claim Processing Time
The speed at which an insurance company processes claims is crucial for policyholders facing unexpected expenses. While specific processing times may vary depending on the nature and complexity of the claim, both Travelers and Progressive strive to handle claims efficiently.
However, it’s essential to consult with the respective companies or check their websites for up-to-date information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Travelers and Progressive have their strengths and weaknesses in this regard, with some policyholders expressing satisfaction with their claim resolutions and payouts, while others may have had different experiences.
It’s advisable for potential customers to research and read reviews to get a better understanding of the overall satisfaction levels with claim resolutions from both insurers.
Exploring Travelers vs. Progressive Car Insurance Digital and Technological Innovations
Mobile App Features and Functionality
Both Travelers and Progressive offer mobile apps that provide policyholders with convenient access to their insurance information. These apps typically allow customers to view policy details, make payments, and even file claims directly from their mobile devices.
The functionality and user-friendliness of these apps can vary, so it’s a good idea to explore them and determine which one aligns better with your preferences.
Online Account Management Capabilities
Managing your insurance policy online is made easier with the online account management features provided by Travelers and Progressive. Policyholders can log in to their accounts through the respective websites, where they can make changes to their policies, view billing information, and access important documents.
The ease of use and available options may differ, so it’s recommended to explore both platforms to see which one suits your needs.
Digital Tools and Resources
Digital tools and resources offered by Travelers and Progressive can include educational materials, coverage calculators, and other resources to help policyholders make informed decisions about their insurance.
These tools can be valuable for understanding policy options and coverage details. It’s worth exploring what each company offers in terms of digital resources to assist you in making well-informed choices regarding your insurance coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
How does Travelers and Progressive car insurance compare in financial strength and customer satisfaction?
Reviewing ratings from three different agencies will provide you with a good picture of how a car insurance company works with its consumers, handles complaints, and their overall financial strength.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best award is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 and 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
| Rating Agency | Travelers | Progressive |
|---|---|---|
| AM Best Rating | N/A | A+ |
| Consumer Reports | 90 | 87 |
| NAIC Company Complaint Ratio | 0.09 | 0.75 |
| NAIC Total Complaints | 2 | 120 |
A.M. Best does not provide a financial strength rating for Travelers, but Progressive comes in exceptionally strong.
Travelers’ customers report greater satisfaction through the claims process. Travelers also has a lower complaint rate.
The results provide insights into customer satisfaction in key areas: auto insurance cost policy offerings, Claim Customer interactions, the billing process, and policy information. Nationwide an “average” rating based on customers‘ opinions of and experiences with the company.
Travelers vs. Progressive car insurance: The Bottom Line
Both auto insurance companies offer affordable coverage for drivers with risk factors like poor credit and DUI convictions.
Now that you’ve finished this Travelers vs. Progressive car insurance review, use our FREE comparison tool to compare quotes of companies in your area.
Frequently Asked Questions
What are the main differences between Travelers and Progressive car insurance?
Travelers and Progressive are both popular car insurance providers, but they have some notable differences. Here are a few key distinctions between the two:
- Coverage Options: Travelers offers a wide range of coverage options, including traditional liability coverage, comprehensive coverage, collision coverage, and more. Progressive also offers similar coverage options, but they are known for their innovative add-ons like gap insurance, pet injury coverage, and rideshare insurance.
- Pricing: Car insurance rates can vary based on various factors such as your location, driving history, and the type of coverage you choose. It’s important to get personalized quotes from both Travelers and Progressive to compare prices for your specific situation.
- Discounts: Both companies offer various discounts to help customers save on their car insurance premiums. Travelers provides discounts for safe driving, multi-policy bundling, good student discounts, and more. Progressive offers discounts for things like safe driving, multi-car policies, and even their Snapshot program, which tracks your driving habits to potentially lower your rates.
- Customer Service: Customer service experiences can vary, but both Travelers and Progressive have generally positive reputations in this regard. Progressive is known for its user-friendly online tools and customer support, while Travelers has a strong network of local agents for personalized assistance.
Which insurance company is better for me, Travelers or Progressive?
The “better” insurance company between Travelers and Progressive depends on your specific needs and preferences. Here are a few factors to consider when making a decision:
- Coverage Needs: Evaluate the types of coverage you require and compare what each company offers. If you need specific add-ons like rideshare insurance or gap coverage, Progressive may be a better fit. If you prefer a more traditional coverage package, Travelers could be a good choice.
- Pricing: Request quotes from both companies to compare prices. Remember that rates can vary based on your personal details and location, so what may be cheaper for one person may not be the same for another.
- Discounts: Consider the available discounts and see which ones you may qualify for. These can help lower your premiums and make one company more affordable than the other.
- Customer Experience: Read customer reviews and consider the reputation of both companies for customer service. This can give you an idea of what to expect in terms of support and claims handling.
Can I switch from Travelers to Progressive or vice versa?
Yes, you can switch your car insurance provider from Travelers to Progressive or vice versa. However, it’s essential to consider a few factors before making the switch:
- Policy Details: Review the terms and conditions of your current policy with Travelers, including any cancellation fees or penalties that may apply. Make sure you understand the coverage and benefits you will be giving up or gaining with the new provider.
- Timing: Coordinate the start date of your new policy with the cancellation date of your existing policy to avoid any gaps in coverage. Ensure a smooth transition to prevent being uninsured during the process.
- Cost Comparison: Obtain quotes from Progressive and compare them to your current Travelers policy. Take into account any potential changes in coverage or discounts to assess whether switching would be financially beneficial.
- Customer Service: Consider the customer service reputation of both companies to ensure you’re comfortable with the level of support you’ll receive during the switch and beyond.
What are the main differences between Travelers and Progressive car insurance?
Travelers and Progressive are two well-known car insurance companies in the market. While both offer coverage for your vehicle, there are some key differences between them. Travelers is generally considered to be more suitable for drivers with a clean driving record and those seeking comprehensive coverage options. On the other hand, Progressive is known for its competitive rates and innovative tools like Snapshot, which tracks driving habits to determine discounts.
Which company offers better rates for car insurance, Travelers or Progressive?
The rates for car insurance can vary depending on various factors, including your location, driving history, and the type of coverage you need. It’s difficult to determine which company offers better rates universally, as it can vary from person to person. It’s recommended to obtain quotes from both Travelers and Progressive, compare them, and consider factors like coverage options, discounts, and customer service to make an informed decision based on your specific needs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.