Progressive vs. Travelers Car Insurance [2021]

Our Progressive vs. Travelers car insurance guide will help you decide between two great companies when reviewing rates based on age, driving record, and credit score. Progressive is better than Travelers for drivers with DUIs. Progressive has cheaper rates for teen drivers, but Travelers has more discounts. Continue reading to make the choice best for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know

  • Progressive has cheaper rates for teen drivers.
  • For drivers between 25 and 35, Travelers has cheaper rates.
  • Progressive is harsher on those with an accident on their record, but more lenient on a driver with a DUI.
  • Both Travelers and Progressive are modest in rates for those with fair or bad credit.

Both Travelers and Progressive are good choices based on driving record, but if you have a teen driver, you must keep reading.

In our Progressive vs. Travelers car insurance guide, we examine rates by your specific demographics: age, gender, marital status, driving record, and credit score. We also compare discounts offered by both companies and ratings from credible agencies that rate all of the best car insurance companies.

Keep reading to compare Travelers insurance and Progressive auto insurance, or enter your ZIP code to start comparing multiple companies in your local area.

Is Progressive car insurance or Travelers car insurance cheaper based on age?

The more we drive in a variety of situations and the longer we drive, the safer and more aware we become when behind the wheel. For this reason, car insurance companies use age as one of the most influential factors in quoting your car insurance rates.

In most states, it’s legal to base car insurance rates on marital status and gender; however, some have banned it. Let’s compare Travelers’ auto insurance rates and Progressive’s auto insurance rates based on age, gender, and marital status.

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Progressive’ rates for teen drivers are 7 to 25 percent cheaper than Travelers. Interestingly, though, Progressive’s rates for drivers between 25 and 35 are 11 to 16 percent higher than Travelers.

Progressive’s rates and Traveler’s rates for drivers 35 and older are fairly competitive.

If you have young drivers in your family, expect to pay cheaper rates with Progressive.

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Is Progressive car insurance or Travelers car insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick because you become a higher risk driver.

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Progressive’s rates are cheaper if you have a speeding ticket on your record but higher than Travelers if you have an accident on your record.

If you get a speeding ticket while with Travelers, expect your rate to increase 24 percent, but with Progressive, it would increase only 18 percent.

Alternatively, if you cause an accident while with Travelers, expect your rate to be the same as if you got a speeding ticket. But with Progressive, your rate would be nearly double that of a driver with a clean driving record.

However, Progressive is your best option if you have a DUI on your record. If you don’t have a DUI on your record (and we expect you don’t plan to get one), but if you did, Progressive is much more forgiving and increases your rate by only 17 percent while Travelers would increase it by 67 percent.

Is Progressive car insurance or Travelers car insurance cheaper based on credit score?

If you experience some type of financial trauma such as medical debt or going through a divorce, a good credit score can drop in a matter of months.

In most states it’s legal for car insurance companies to factor in your credit score when determining your rates; however, some are banning this along with factoring in gender and marital status.

Based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file a claim, car insurance companies justify using your credit score to determine your rates.

Let’s take a look at how Travelers and Progressive address rates for drivers with varying credit scores.

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Progressive has cheaper rates than Travelers no matter what type of credit score you have.

Both Progressive and Travelers are modest with their rates based on credit score. Some car insurance companies charge drivers with bad credit more than twice as much as drivers with good credit.

Before you choose Travelers or Progressive, read about car insurance laws in your state and examine rates from a variety of companies by reading your state car insurance guide

It may be that basing car insurance rates on gender, marital status, and/or credit score has been outlawed in your state.

Does Progressive or Travelers have better car insurance discounts?

A car insurance company often determines discounts based on their philosophy and values. Therefore, if you have a bad driving record or low credit score, getting good discounts will offset your high rates.

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Travelers has 17 discounts and Progressive has only 8 discounts.

Both Travelers and Progressive offer a discount for using their driving app or driving device. With Travelers, you would save 30 percent and with Progressive, you would save 20 percent.

But, if you don’t prefer to use a driving app, you can still save 15 to 23 percent with Travelers if you have had continuous coverage, made on-time payments, are claim-free, or a safe driver.

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Does Progressive or Travelers have better car insurance mobile apps?

Usage-based car insurance has become a hot trend in the car insurance industry in the last decade or so, and all of the larger car insurance companies have a driving app that uses your mobile phone or a device installed into your vehicle.

Large car insurance companies also provide a more general app to enable you to pay your bill, make changes to your coverage levels, and use it for electronic verification of insurance in states that permit it.

Read about Travelers’ IntelliDrive and Progressive’s SnapShot usage-based car insurance apps in our Travelers company review and our Progressive company review.

How does Progressive and Travelers car insurance compare in financial strength and customer satisfaction?

Purchasing car insurance is an important financial responsibility, so you want to make sure you’re selecting the appropriate company that will be there for you when you need it most.

A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be reviewed prior to making your decision.

The following three agencies provide insight into these factors:

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 awards 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 to 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on total number of customers against total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

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Travelers has the stronger A.M. Best rating, although both are highly rated.

Travelers customers report higher satisfaction through the claims process. Travelers also has a lower complaint ratio.

When you’re unsure which company to choose, you can always use our free comparison tool to compare Progressive vs. Travelers car insurance to other companies in your area.

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