- Travelers vs. Progressive: Which one is the cheapest?
- Travelers vs. Progressive: Rates by age group
- Travelers vs. Progressive: Rates for high-risk drivers
- Travelers vs. Progressive: Which is better rated?
- Travelers vs. Progressive: Rates in your state
- Travelers vs. Progressive: Which offers better discounts?
- Travelers vs. Progressive: The bottom line
- Methodology
Travelers vs. Progressive: Which one is the cheapest?
Travelers costs $518 per year, while Progressive costs $549 per year for state minimum coverage.
For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, Travelers costs an average of $1,606. On the other hand, Progressive is more expensive, with an average cost of $1,998.
It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage | Average annual premium for liability-only (50/100/50) car insurance |
|---|---|---|---|
| Travelers | $1,606 | $518 | $646 |
| Progressive | $1,998 | $549 | $709 |
Travelers vs. Progressive: Rates by age group
For a teen - one of the most expensive age groups to insure - Travelers has the cheapest rates, coming in at $4,834 per year. Progressive costs an average of $7,174 for a teen driver.
Age plays a major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.
Adults pay an average of $1,615 with Travelers, while Progressive charges an average of $2,009 for an adult. The table below lists the car insurance rates for different age groups for Travelers and Progressive.
| Age group | Travelers | Progressive |
|---|---|---|
| Teens | $4,834 | $7,174 |
| Young adults | $2,476 | $3,242 |
| Adults | $1,615 | $2,009 |
| Seniors | $1,590 | $2,000 |
Travelers vs. Progressive: Rates for high-risk drivers
Progressive has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.
For the drivers with DUI, Progressive is cheaper, with average rates of $2,707.
Take a look at the table below for Travelers rates compared to Progressive rates.
| Type of violation | Travelers | Progressive |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,463 | $3,119 |
| 1 At-fault property damage accident under $2K | $2,462 | $3,103 |
| At-fault bodily injury accident | $2,601 | $3,126 |
| Careless driving | $2,705 | $2,936 |
| DUI | $2,998 | $2,707 |
| Reckless driving | $2,829 | $2,982 |
| Speeding | $2,416 | $2,650 |
Travelers vs. Progressive: Which is better rated?
Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how Travelers and Progressive scored in the best car insurance companies of 2025.
Overall, Travelers scored 4.62, while Progressive scored 4.14.
| Ratings | Progressive | Travelers |
|---|---|---|
| NAIC | 0.65 | 0.49 |
| AM Best | A+ | A++ |
| Average annual premium | $1,992 | $1,584 |
| Average monthly premium | $166 | $132 |
| Customer Satisfaction | ||
| Insurance.com score |
Travelers vs. Progressive: Rates in your state
Insurance rates are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from Travelers and Progressive. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.
| State | Progressive | Travelers |
|---|---|---|
| Alabama | $2,402 | $1,428 |
| Alaska | $1,742 | N/A |
| Arizona | $1,903 | $1,489 |
| Arkansas | $2,431 | $1,442 |
| California | $2,179 | $2,460 |
| Colorado | $2,796 | N/A |
| Connecticut | $1,708 | N/A |
| Delaware | $1,999 | $1,595 |
| Florida | $2,902 | $2,356 |
| Georgia | $1,656 | N/A |
| Hawaii | $1,279 | N/A |
| Idaho | N/A | $1,263 |
| Illinois | $1,412 | $1,119 |
| Indiana | $1,480 | $1,264 |
| Iowa | $1,589 | $1,238 |
| Kansas | $1,937 | $1,601 |
| Kentucky | $2,714 | $1,804 |
| Louisiana | $3,065 | N/A |
| Maine | $1,106 | $853 |
| Maryland | $1,895 | $1,523 |
| Massachusetts | $2,016 | $2,274 |
| Michigan | $2,069 | $1,817 |
| Minnesota | N/A | $1,618 |
| Mississippi | $2,131 | $1,636 |
| Missouri | $1,960 | $1,515 |
| Montana | $2,414 | N/A |
| Nebraska | $1,964 | N/A |
| Nevada | $2,482 | $1,995 |
| New Hampshire | $1,343 | N/A |
| New Jersey | $2,187 | $1,706 |
| New Mexico | $1,557 | N/A |
| New York | $1,020 | $2,677 |
| North Carolina | $2,028 | N/A |
| North Dakota | $1,403 | N/A |
| Ohio | $1,626 | $1,336 |
| Oklahoma | $1,194 | N/A |
| Oregon | $1,765 | $1,318 |
| Pennsylvania | $2,193 | $952 |
| Rhode Island | $1,841 | $1,946 |
| South Carolina | $1,816 | $1,949 |
| South Dakota | $3,163 | N/A |
| Tennessee | $1,550 | $1,395 |
| Texas | $3,032 | N/A |
| Utah | $1,845 | N/A |
| Vermont | $926 | N/A |
| Virginia | $2,120 | $1,169 |
| Washington | $2,554 | $1,503 |
| Washington, D.C. | $1,488 | N/A |
| West Virginia | $1,825 | N/A |
| Wisconsin | $2,128 | $1,089 |
Travelers vs. Progressive: Which offers better discounts?
Discounts are a great way to save money on your annual insurance premiums. Below are some of the discounts that Travelers and Progressive offer to their customers.
| Discounts | Progressive | Travelers |
|---|---|---|
| Multi policy | 9% | 7% |
| Payment type | 11% | 7% |
| Lower annual mileage | 5% | 7% |
| Homeowner | 4% | 6% |
| Days advanced purchase | 4% | 6% |
| Daily commute | N/A | 5% |
| Education | 4% | N/A |
| Marital status | 12% | 4% |
| Electronic funds transfer | 3% | 4% |
| Safety devices | 3% | 2% |
| Vehicle ownership | N/A | 3% |
| Loyalty | 3% | 0% |
| Profession | 14% | N/A |
| Telematics | 10% | N/A |
| Electronic signature | 10% | N/A |
| Air bags | 1% | 1% |
| Anti-theft device | 0% | 1% |
| Paperless/electornic documents | 1% | N/A |
When shopping for car insurance, always ask about available discounts to see which ones you qualify for.
Travelers vs. Progressive: The bottom line
Both Travelers and Progressive are solid insurance companies, but if rates are what matter most to you, Travelers may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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