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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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7+ years experience in data analysis
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Updated
Progressive and Travelers are both well-known names in the car insurance industry. Progressive is the second-largest auto insurer in the U.S., with nearly 17% of the private passenger market. In comparison, Travelers holds just 2% of the market.
Progressive offers many discounts, and the company claims 99% of its customers qualify for at least one. It also makes policy management easy with its highly rated mobile app.
Travelers offers new car replacement and discounts for hybrid and electric cars. Even though its app receives high ratings, J.D. Power rates the company’s digital experience slightly below average.[1]
Here’s a look at how each company compares in terms of rates, coverage options, discounts, and customer service. Comparing multiple insurers will help you make the best choice.
Progressive and Travelers both score below average in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.[2]
Travelers has fewer complaints than most competitors, according to the National Association of Insurance Commissioners (NAIC).
Both insurers have solid financial strength ratings from AM Best.
Progressive is a clear winner if you want coverage that’s hard to find elsewhere. It’s one of the few companies that let you add pet injury insurance, custom parts protection, and a deductible savings bank to your policy.
Travelers comes out ahead for having a selection of unique discounts and better gap insurance coverage. It also gets fewer complaints than competitors.
The best car insurance company for you depends on what you’re looking for. If you want options to personalize your policy, Progressive might be the right choice. But Travelers is a solid pick if you’re looking for new car-owner perks or better customer service.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive offers a range of coverage options, allowing you to tailor your policy to suit your needs. You can also choose from three levels of accident forgiveness, including one for minor accidents of less than $500.
The company’s Snapshot program, which monitors your driving habits, offers a discount just for enrolling. You can save even more by demonstrating safe driving habits. Plus, online policy management means you don’t have to wait for support.
High score in J.D. Power 2025 U.S. Insurance Digital Experience Study
Multiple discounts for students and teen drivers
Snapshot telematics program can lower rates
Customer satisfaction scores could be better
Limited gap insurance coverage
Less personal service
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $193/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Travelers offers some of the best protection and policy perks if you buy or lease a new car. If you total your new car within the first five years, Travelers will replace it with a new one of the same make and model.
Gap insurance protects you if you total your car and you owe more on your loan or lease than the car’s value. You’ll also get a discount for having a car that’s less than three years old.
Low number of customer complaints
Many discount options
IntelliDrive rewards good driving habits
Rideshare coverage not available everywhere
Mobile app could use some improvement
Below-average digital experience scores
Besides policy details and coverage, consider pricing when you’re doing an insurance company comparison.
The table below shows Progressive’s and Travelers’ average insurance rates for different driver profiles.
Driver Type  | Progressive | Travelers |
|---|---|---|
| Adult drivers | $133 | $177 |
| Liability-only coverage | $84 | $96 |
| Full coverage | $146 | $193 |
| Drivers with a speeding ticket | $191 | $260 |
| Drivers with a DUI | $250 | $278 |
| Drivers with an at-fault accident | $208 | $266 |
| Poor credit drivers | $0 | $235 |
| Good credit drivers | $131 | $166 |
| Teen drivers | $287 | $455 |
| Senior drivers | $93 | $142 |
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Both Travelers and Progressive offer various car insurance discounts to help you cut premiums. But Travelers has the upper hand, with 13 available discounts compared to Progressive’s 10.
With Travelers, you can save money if you drive a new, hybrid, or electric vehicle. It also offers discounts to employees or members of certain organizations.
Progressive, on the other hand, offers different levels of accident forgiveness, helping you save money if you file a claim.
The table below compares each company’s discounts.
Discount | Progressive | Travelers |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✖ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✖ |
| New car | ✖ | ✔ |
| Military/affiliation | ✖ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✔ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✔ |
| Pay in full | ✔ | ✔ |
Regardless of the company you’re considering, customer service is a mixed bag. Both companies score below average in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, but Travelers has fewer complaints, according to the NAIC complaint index.
Travelers also has an A++ (Superior) financial strength rating from AM Best, while Progressive has a slightly lower A+ (Superior) rating.
Reviews on Trustpilot and the Better Business Bureau (BBB) paint a different picture. Progressive customers mention a lack of communication and poor customer service, while Travelers customers report problems canceling coverage and customer service issues.
Score | Progressive | Travelers |
|---|---|---|
| IQ Score | 8.7 | 8.5 |
| Customer reviews | 3.2/5 (21,036 reviews) | 4.6/5 (1,494 reviews) |
| J.D. Power | 673/1,000 | 691/1,000 |
| AM Best rating | A+ | A++ |
| NAIC Complaint Index | 0.98 | 0.67 |
| BBB customer reviews | 1.08 | 1.05 |
Reading customer reviews lets you see how insurance companies treat their policyholders. We collect verified reviews from actual customers who compared insurance quotes and switched to Progressive.
The following customer reviews give you a clearer picture of how Travelers handles claims, customer service, and day-to-day interactions. These are verified reviews from real people who used our quoting process and switched insurers.
Progressive Snapshot and Travelers IntelliDrive are telematics programs that track your driving habits and offer discounts for safe behavior.
Telematics programs aren’t the same as pay-per-mile insurance, which calculates rates based on how many miles you drive. Instead, telematics looks at how you drive, taking into account your braking, acceleration, speed, and phone use behind the wheel.
Telematics programs are great tools for safe drivers, as they base your insurance costs on your actual driving habits.[3] These programs can potentially offset other factors that might increase your insurance rates, like your age or credit history.
When comparing both programs, you’ll see that Progressive Snapshot has more flexibility. You can choose between using a smartphone app or a plug-in device. Travelers IntelliDrive is available only as a smartphone app.
Both offer discounts for signing up, but each program works a little differently. IntelliDrive gives you a 12% enrollment discount and runs for just 90 days. After that, your safe driving could save you up to 30%.
Drivers in New Jersey can save up to 25%, and Nevada drivers can save as much as 40%. Tracking driving “streaks” with IntelliDrive adds a gamified element, which can help motivate you.
Snapshot doesn’t advertise a percentage discount. Instead, it claims the average sign-up savings is $169, while safe drivers earn an average savings of $322 at renewal.
Like IntelliDrive, Snapshot gives you quick access to your driving performance, along with tips to improve your score.
Feature | Progressive Snapshot | Travelers IntelliDrive |
|---|---|---|
| Best for | Drivers who want flexibility to use a plug-in device or smartphone app and get instant feedback on their driving | Drivers who prefer a short 90-day program and gamified motivation to avoid distractions |
| Savings potential | Average savings of $322 at renewal for safe drivers ($169 participation discount at sign-up) | Up to 12% at sign-up, then up to 30% at renewal (up to 25% in New Jersey, and up to 40% in Nevada) |
| How it works | Tracks how, when, and how much you drive using either a mobile app or plug-in device | Smartphone app monitors driving habits like braking, speed, and phone use |
| Availability | 48 states (not available in California, Hawaii, or from all agents) | 34 states |
| Data tracked | Speed, acceleration, braking, mileage, phone use | Speed, braking, phone use, hard turns, time of day, acceleration |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.7/4.6 |
| Average discount for good drivers | $322 | Up to 30% |
| Driver feedback tools | Real-time trip scoring and feedback to improve driving | Driving performance and tips for safe driving |
| Gamified rewards | None | Tracks distraction-free “streaks” |
| Compatibility | Works with either smartphone app (iOS/Android) or plug-in device | Smartphone app only (iOS/Android) |
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Progressive and Travelers both offer the basic insurance coverages you’d expect, including liability coverage, personal property coverage, collision, comprehensive, roadside assistance, and rental reimbursement. You can also add gap insurance and rideshare coverage with either company.
The main difference is that Progressive offers a few specialty policy features, like insurance for pet injuries, custom parts and equipment, trip interruption, and vehicle protection.
Coverage | Progressive | Travelers |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Classic car insurance | ✔ | ✖ |
| Rideshare insurance | ✔ | ✔ |
| Custom parts and equipment value (CPE) coverage | ✔ | ✖ |
| Trip interruption | ✔ | ✖ |
| Vehicle protection | ✔ | ✖ |
| Pet injury coverage | ✔ | ✖ |
See the answers to frequently asked questions below for more information on Progressive and Travelers car insurance.
It depends. The most affordable option depends on your car, age, coverage, location, and driving history.[4] Some drivers will find lower rates from Progressive, while others might get a better deal with Travelers.
For comparison, a liability-only policy with Progressive costs an average of $84 per month. The same coverage through Travelers costs $96 per month.
Yes. Travelers earns an AM Best financial strength rating of A++ (Superior) and has fewer customer complaints than the industry average, according to the NAIC complaint index.
While Progressive has the financial strength to pay auto claims, customer satisfaction in this area may not be its strong suit. The company scored below average in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.
Progressive ranks as the second-largest auto insurance company in the U.S. It sells a variety of coverage, from auto and home insurance policies to identity theft and wedding insurance.
No single car insurance company offers the cheapest rates. Even if Progressive or Travelers had the cheapest average rates, your quote may be different. The cheapest insurance for you depends on your age, driving record, location, and other factors.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $145/mo* |
Overall rating 3.2 | Overall rating 4.6 |
Value for money | Value for money |
Customer service | Customer service |
Claims handling | Claims handling |
Special highlight Competitive ratesAI-generated from 21036 user reviews | Special highlight Numerous discountsAI-generated from 1494 user reviews |