Travelers vs. Progressive: Which offers the cheapest auto insurance rates?

Travelers vs. Progressive: Which one is the cheapest?

Travelers costs an average of $518, while Progressive has average rates for state minimum coverage of $549.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Travelers costs an average of $1,606. Progressive costs more at an average of $1,998.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

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

Teen drivers pay the highest car insurance rates. Travelers offers the cheapest car insurance rates for teen drivers at $4,834 per year. On the other hand, Progressive offers car insurance rates at an average of $7,174 annually.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,615 a year at Travelers, while car insurance for adults at Progressive costs $2,009 per year.

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?

When choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how Travelers and Progressive scored among the best car insurance companies of 2025.

Overall, Travelers earned a score of 4.62, while Progressive received a score of 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	3.9	4.0
Insurance.com score	4.1	4.6

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 big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts 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

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Travelers vs. Progressive: The bottom line

Both Travelers and Progressive are good insurance companies, but if getting the lowest rates is your priority, Travelers might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: