Progressive vs. Travelers: Pros & Cons (2021)

Today we're going to be covering Progressive vs. Travelers. Progressive tends to offer more competitive rates than Travelers, but keep in mind that pricing is determined by many factors, including where you live. In terms of company ratings provided by organizations such as A.M. Best and the BBB, Travelers is rated slightly higher than Progressive. Lastly, in terms of discounts, Progressive and Travelers both offer a wide array of discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Both Progressive and Travelers auto insurance are highly rated by A.M. Best and the Better Business Bureau, but Travelers scored slightly higher
  • Both Progressive and Travelers offer multiple discounts to their customers
  • Progressive offers at least 38 discounts and typically offers more competitive pricing than Travelers

If you are here with us today you are most likely looking for your next, or perhaps first, insurer. To simplify this process, we’re going to compare only two companies: Progressive vs. Travelers.

How do you get auto insurance quotes? You could contact every auto insurance company individually, or you could use a free quote tool to get all the auto insurance rates near you.

Before you learn more about Progressive vs. Travelers, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

Progressive and Travelers Rates

When comparing insurers, whether it’s a small shop or one of the best auto insurance companies, the price is a good starting point.

Let’s take a look at Travelers’ rates, then we’ll move on to Progressive.

Travelers Auto Insurance Annual Rates vs. State Average
StateTravelers Annual RatesState Average RatesHigher/Lower Than State AverageHigher/Lower Percent Than State Average
VirginiaData Not Available$2,357.87--%
HawaiiData Not Available$2,555.64--%
West VirginiaData Not Available$2,595.36--%
WashingtonData Not Available$3,059.32--%
New HampshireData Not Available$3,151.77--%
WyomingData Not Available$3,200.08--%
MontanaData Not Available$3,220.84--%
VermontData Not Available$3,234.13--%
NebraskaData Not Available$3,283.68--%
MissouriData Not Available$3,328.93--%
North Carolina$3,132.66$3,393.11-$260.45-7.68%
AlaskaData Not Available$3,421.51--%
New MexicoData Not Available$3,463.64--%
WisconsinData Not Available$3,606.06--%
UtahData Not Available$3,611.89--%
South CarolinaData Not Available$3,781.14--%
ColoradoData Not Available$3,876.39--%
South DakotaData Not Available$3,982.27--%
TexasData Not Available$4,043.28--%
OklahomaData Not Available$4,142.33--%
North DakotaData Not Available$4,165.84--%
New York$4,578.79$4,289.88$288.916.73%
MinnesotaData Not Available$4,403.25--%
District of ColumbiaData Not Available$4,439.24--
MarylandData Not Available$4,582.70--%
FloridaData Not Available$4,680.46--%
GeorgiaData Not Available$4,966.83--%
Rhode Island$6,909.45$5,003.36$1,906.0938.10%
New Jersey$4,254.49$5,515.21-$1,260.72-22.86%
LouisianaData Not Available$5,711.34--
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As you can see, Travelers does not operate in several states including Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Carolina, West Virginia, and Wyoming. Additionally, they’re less expensive than the state average in Maine, Illinois, North Carolina, Indiana, Oregon, Tennessee, California, Arizona, New Jersey, Delaware, and Michigan.

In other states, Travelers is more expensive than the state average, sometimes by a larger margin. For example, Travelers is almost twice as much as the state average in Pennsylvania.

Let’s compare Progressive’s rates to state averages.

Average Annual Auto Insurance Rates by State
StateAverage Annual Auto Insurance Rates
North Carolina$3,393.11
New Hampshire$3,151.77
New Mexico$3,463.64
North Dakota$4,165.84
South Dakota$3,982.27
New York$4,289.88
New Jersey$5,515.21
South Carolina$3,781.14
District of Columbia$4,439.24
Rhode Island$5,003.36
West Virginia$2,595.36
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As you can see, Progressive operates in 48 out of the 50 states and Washington D.C. Of these 48, Progressive is more cost-effective than Travelers in 19 states. In some instances, such as Michigan, Progressive is even half the cost of the state average.

So, while it depends on where you live amongst other factors, it looks like Progressive is the better auto insurance buy. Let’s now move on to how these two companies are rated.

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Progressive and Travelers Company Ratings

When you choose an auto insurer, you need to make sure that they are highly rated by A.M. Best and the Better Business Bureau for good business practices and as an overall company.

The table below shows Progressive’s ratings from A.M. Best and the Better Business Bureau, amongst others.

Progressive Ratings by the Top Financial Strength and Credit Agency
Ratings AgencyRating
A.M. BestA+
Better Business BureauA+
Consumer Reports87
J.D. PowerClaims Satisfaction 3/5
Shopping Study 3/5
NAIC Complaint Index0.42 (2018)
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Let’s now take a look at the same ratings for Travelers.

Travelers Ratings by the Top Financial Strength and Credit Agency
Ratings AgencyRating
A.M. BestA++ (Superior)
Better Business BureauA+
Moody's RatingA2
S&P RatingAA
NAIC Complaint Index0.6
J.D. Power3-About average
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As you can see, both companies received an A+ from the Better Business Bureau. However, Travelers received a higher rating than Progressive, an A++ (Superior), from A.M. Best.

So, for company ratings, Travelers wins. Let’s now wrap up with the discounts offered by these companies.

Progressive and Travelers Discounts

When comparison shopping for auto insurance, don’t overlook the importance of discounts. No matter which insurer you choose, be sure to talk to the agent about your discount eligibility to save you money on auto insurance premiums. The good news is that many of these discounts are as easy to get as typing in your Progressive insurance login or Travelers insurance login.

Let’s look at the discounts Travelers offers and how much you’ll save.

Travelers Auto Insurance Discounts
Travelers' DiscountsPercentage Saved
Anti-lock BrakesConsult with agent
Anti-TheftConsult with agent
Claim Free23%
Continuous Coverage15%
Daytime Running LightsConsult with agent
Defensive Driver10%
Distant Student7%
Driver's Ed8%
Driving Device/App30%
Early Signing10%
Full Payment7.50%
Further EducationConsult with agent
Garaging/StoringConsult with agent
Good Student8%
Green Vehicle10%
Low MileageConsult with agent
Membership/GroupConsult with agent
Multiple Policies13%
Multiple Vehicles8%
Newer Vehicle10%
OccupationConsult with agent
On Time Payments15%
Paperless/Auto Billing3%
Passive RestraintConsult with agent
Safe Driver23%
Vehicle RecoveryConsult with agent
VIN EtchingConsult with agent
Total Discounts28
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As you can see, Travelers offers at least 28 discounts. Now, let’s see what discounts Progressive offers. Remember, a lot of these are as easy as typing in your Progressive login.

Progressive Auto Insurance Discounts Offered
Auto Insurance DiscountsDiscount Offered by Progressive Savings on Progressive Rates
Adaptive Cruise ControlYesNot Available
Adaptive HeadlightsYesNot Available
Anti-lock BrakesYesNot Available
Anti-TheftYesNot Available
Claim FreeYesNot Available
Continuous CoverageYesNot Available
Daytime Running LightsYesNot Available
Defensive DriverYes10%
Distant StudentYesNot Available
Driver's EdYes10%
Driving Device/AppYes20%
Early SigningYesNot Available
Electronic Stability ControlYesNot Available
Family LegacyYesNot Available
Forward Collision WarningYesNot Available
Full PaymentYesNot Available
Good CreditYesNot Available
Good StudentYesNot Available
HomeownerYesNot Available
Lane Departure WarningYesNot Available
Low MileageYesNot Available
LoyaltyYesNot Available
MarriedYesNot Available
Multiple PoliciesYes12%
Multiple VehiclesYes10%
Newer VehicleYesNot Available
Online ShopperYes7%
Paperless DocumentsYes$50
Paperless/Auto BillingYesNot Available
Passive RestraintYesNot Available
Safe DriverYes31%
Stable ResidenceYesNot Available
Switching ProviderYesNot Available
Vehicle RecoveryYesNot Available
VIN EtchingYesNot Available
Young DriverYesNot Available
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As you can see, of the 68 discounts shown, Progressive offers 37. This is quite a wide selection and should make it easier for you to compare to Travelers’ array of discounts.

Now that you have finished learning about Progressive vs. Travelers, you are ready to buy auto insurance. Find affordable auto insurance quotes by typing your ZIP code into our free and helpful tool below.

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