Progressive vs Travelers
Comprehensive comparison of Progressive and Travelers car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Choose Progressive for digital savings, telematics, and flexible policies. Choose Travelers if you value personalized service and bundling discounts.
Pricing Analysis
Progressive is typically 5–15% cheaper than Travelers, particularly for drivers who enroll in Snapshot (telematics program). Travelers may beat Progre...
Company Information Comparison
| Feature | Progressive | Travelers |
|---|---|---|
| Established | 1937 | 1853 |
| Underwriter | Progressive Casualty Insurance Company | The Travelers Indemnity Company |
| Market Position | Market Leader | Premium |
| Customer Service Hours | 24/7 | 24/7 |
| Claims Satisfaction | 4.2 | 4.0 |
| Financial Strength | A+ | A++ |
| Mobile App Rating | 4.4 | 4.1 |
Policy Features Comparison
| Feature | Progressive | Travelers |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 6 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 1 year | Up to 2 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£675.00
Progressive
£675.00
Travelers
Maximum Cover
$50,000
Progressive
$50,000
Travelers
Total Policies
3
Progressive
3
Travelers
Comprehensive Cover
Full Coverage
Progressive
Full Coverage
Travelers
Premium Analysis
Features Comparison
Policy Type Distribution
Progressive
Comprehensive
1
Third Party Fire & Theft
0
Travelers
Comprehensive
1
Third Party Fire & Theft
0
In-Depth Comparison Analysis
Expert Comparison Analysis: Progressive vs Travelers
Our comprehensive analysis compares Progressive and Travelersacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Choose Progressive for digital savings, telematics, and flexible policies. Choose Travelers if you value personalized service and bundling discounts.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Progressive is typically 5–15% cheaper than Travelers, particularly for drivers who enroll in Snapshot (telematics program). Travelers may beat Progressive on bundled home+auto policies in select states.
Progressive
Average: £908.33
Travelers
Average: £935.00
Coverage & Benefits Comparison
Both offer robust coverage options. Progressive emphasizes usage-based savings and customizable deductibles, while Travelers includes strong rental car and accident forgiveness features.
Customer Service Comparison
Travelers scores slightly better in traditional agent-based customer service. Progressive shines in app usability and digital claims submission.
Claims Process Analysis
Progressive resolves claims in 6–8 days on average and provides real-time tracking. Travelers offers more agent hand-holding but can take slightly longer.
Key Differentiators
Progressive leads in telematics and pricing transparency
Travelers offers better long-term bundling incentives
Progressive’s app includes virtual claims adjusters and AI photo analysis
Travelers suits those preferring agent guidance over app-based self-service
Progressive allows drivers to “Name Your Price” for more control
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how Progressive and Travelers fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Detailed Real-World Analysis
A 22-year-old in Texas using Snapshot could get Progressive for $1,420/year versus $1,610 from Travelers. A homeowner in Connecticut might save more bundling Travelers auto and home together than choosing Progressive alone.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose Progressive if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose Travelers if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 8/2/2025
Making Your Decision
When comparing Progressive and Travelers, consider how each provider's strengths align with your specific vehicle and driving needs. Progressive's average premium of £908.33compared to Travelers's £935.00 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.