Progressive vs Travelers: Car Insurance Comparison 2026

2026 Auto Insurance Comparison “`

Progressive vs Travelers

Q: Does Travelers have a program similar to Progressive Snapshot?

Yes. Travelers offers IntelliDrive telematics programs, including IntelliDrive and IntelliDrive 365 in participating states.

Q: Does Travelers offer new car replacement?

Yes. Travelers offers Premier New Car Replacement coverage for qualifying new vehicles and states that the coverage can replace a totaled vehicle with a brand-new vehicle of the same make and model during the first five years of ownership, subject to policy conditions.

Compare Progressive and Travelers car insurance for 2026, including coverage options, discounts, usage-based programs, gap protection, new car replacement, accident forgiveness, rental coverage, roadside assistance and rideshare protection.

Updated for 2026 • Coverage, pricing, discounts and program availability can vary by state.

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Progressive and Travelers both offer broad auto insurance portfolios, but they organize several important features differently. Both companies offer liability, collision, comprehensive, uninsured/underinsured motorist and medical-related coverages, along with optional protection for rental transportation, roadside assistance and financed vehicles.

One of the clearest differences is in their usage-based programs. Progressive offers Snapshot, while Travelers offers IntelliDrive programs, including IntelliDrive 365 in participating states. The programs evaluate driving behavior using different structures and state-specific rules.

Travelers also offers a notable Premier New Car Replacement package that can replace a totaled qualifying new vehicle with a new vehicle of the same make and model for up to the first five years of ownership, subject to its eligibility requirements.

This comparison focuses on documented features and policy differences rather than assuming that one company will have the lowest price for every driver.

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Progressive vs Travelers: At a Glance

Feature	Progressive	Travelers
Liability coverage	Available	Available
Collision coverage	Available	Available
Comprehensive coverage	Available	Available
Uninsured / underinsured motorist	Available	Available
Medical payments / PIP	Available Availability varies by state.	Available PIP and Medical Payments availability varies by state.
Usage-based program	Snapshot	IntelliDrive / IntelliDrive 365
Loan / GAP-style protection	Loan/Lease Payoff	Loan/Lease Gap Insurance
New car replacement	Vehicle protection options vary	Premier New Car Replacement
Accident forgiveness	Availability and terms vary	Available through Responsible Driver Plan
Rental reimbursement	Available	Available
Roadside assistance	Available	Available
Rideshare coverage	Rideshare coverage	Limited ridesharing coverage
Safe-driver discount programs	Snapshot plus other driving discounts	Safe Driver Discount + IntelliDrive programs

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Car Insurance Coverage Comparison

The basic structure of an auto insurance policy is similar at both companies, but optional endorsements can create meaningful differences between otherwise similar policies.

Liability Coverage

Both Progressive and Travelers offer bodily injury and property damage liability coverage for qualifying claims where the insured is legally responsible, subject to policy limits and state requirements.

Collision Coverage

Both insurers offer collision coverage for qualifying damage caused by a collision with another vehicle or object, or a qualifying rollover. Deductibles and limits apply.

Comprehensive Coverage

Comprehensive coverage from both companies can address qualifying non-collision losses such as theft, vandalism, fire, weather events and certain animal-related damage.

Uninsured & Underinsured Motorist

Both companies provide uninsured and underinsured motorist options, with availability and required limits determined by state law.

Medical Payments & PIP

Progressive and Travelers offer medical-related coverage, including Medical Payments and PIP where applicable. PIP rules are particularly dependent on the state in which the vehicle is insured.

Rental Coverage

Both companies offer protection for transportation or rental expenses after qualifying covered losses, subject to policy limits and conditions.

Important: Minimum coverage requirements are determined by state law. A quote should always be compared using the same liability limits, deductibles and optional coverages.

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Progressive vs Travelers Discounts

Both insurers provide multiple opportunities to reduce premiums. Eligibility and the amount of savings depend on state, policy characteristics and customer qualifications.

Discount / Savings Opportunity	Progressive	Travelers
Safe-driving program	Snapshot	IntelliDrive / IntelliDrive 365
Safe-driver discount	Available through qualifying driving history and programs	Safe Driver Discount may apply for qualifying clean driving records
Multi-policy / bundling	Available	Available
Multi-car	Available; Progressive currently states an average 12% discount for qualifying multi-car policies.	Available for qualifying policies
Good student	May be available depending on state and eligibility	Available in qualifying situations
New vehicle	Discounts may apply depending on vehicle and state	New Car Discount may apply
Homeowner	May qualify for a discount	Homeowner discount may apply
Payment-related savings	Available options vary	Good Payer and payment-related discounts may apply
Early quote	Quote-related discounts may apply	Early Quote Discount may apply

Progressive Discounts

Progressive lists discounts associated with safe driving, Snapshot, multi-policy, multi-car, accident-free and claim-free driving histories, online quoting and certain payment arrangements.

Progressive currently states that qualifying multi-car policies receive an average 12% discount.

Travelers Discounts

Travelers lists Safe Driver, multi-policy, multi-car, Good Student, New Car, Good Payer and other discounts.

Travelers also offers affinity programs and telematics-based savings through its IntelliDrive programs.

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Snapshot vs IntelliDrive: Usage-Based Insurance

Usage-based insurance is one of the most important areas to compare if you are comfortable sharing driving data in exchange for the possibility of personalized pricing or discounts.

Progressive

Snapshot

Progressive Snapshot personalizes auto insurance pricing using actual driving information. Depending on the state and program, customers can participate through a mobile app, plug-in device or another approved data source.

Measures how, how much and when you drive.
Hard braking can affect results.
Rapid acceleration can be considered.
Time of day can be considered.
Mileage can be considered.
Handheld phone use may be considered in some states when using the app.
Progressive currently reports an average $164 participation discount for eligible new customers.
Customers who earn a Snapshot discount currently save an average of $328.
Riskier driving may result in a higher rate in applicable states and situations.

Travelers

IntelliDrive

Travelers offers IntelliDrive telematics programs that use a smartphone app to evaluate driving behavior. The exact program depends on the state.

Braking is measured.
Acceleration is measured.
Speed is measured.
Time of day is measured.
Handheld phone distraction can be measured.
IntelliDrive is generally a 90-day program.
Safe driving can lead to savings of up to 30% under the standard program.
Travelers states that safe drivers in Nevada can save up to 40%.
Riskier driving may result in a higher premium depending on state and program.

Important difference: Travelers currently operates multiple IntelliDrive programs depending on state, including IntelliDrive and IntelliDrive 365. Progressive similarly has state-specific Snapshot rules. The exact program available to a customer should therefore be verified by state before enrollment.

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Travelers IntelliDrive 365

Continuous Telematics Program

Travelers’ IntelliDrive 365 is a continuous driving program available in participating states. It uses a smartphone app to capture driving behavior such as braking, distraction, speed and time of day.

Travelers currently states that eligible customers may receive an enrollment participation discount during the first policy term, savings of up to 35% at renewal for safer driving behaviors, and a renewal participation discount of up to 2% in qualifying situations.

Riskier driving may result in a higher premium, subject to the state-specific program rules.

Telematics feature	Progressive Snapshot	Travelers IntelliDrive 365
App-based participation	Available in qualifying situations	Yes
Braking	Measured	Measured
Acceleration	Measured	Measured
Speed	Program/state dependent	Measured
Time of day	Measured	Measured
Phone distraction	In some states through the mobile app	Measured
Program duration	Generally policy-period based	Continuous
Renewal pricing impact	Yes, according to program/state rules	Yes, according to program/state rules

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Gap Insurance and Vehicle Protection

Progressive

Loan/Lease Payoff

Progressive offers Loan/Lease Payoff coverage for financed or leased vehicles. If a covered vehicle is stolen or totaled, the coverage can help cover the difference between what the vehicle is worth and what remains owed.

Progressive states that the coverage can pay up to 25% of the vehicle’s actual cash value, although the exact limit can vary by state.

Comprehensive and collision coverage are required to add Progressive’s Loan/Lease Payoff coverage.

Travelers

Loan/Lease Gap Insurance

Travelers offers optional loan/lease gap insurance. If a financed or leased vehicle is totaled and the amount owed is greater than its actual cash value, the coverage may pay the difference subject to policy terms.

Travelers states that eligible vehicles must be purchased from a new car dealer and that the insured must be the original owner of the vehicle.

The coverage does not cover items such as carryover balances, lease penalties, overdue payments or extended warranties.

What to compare: Progressive calls its protection Loan/Lease Payoff, while Travelers calls its product Loan/Lease Gap Insurance. The names differ, so the actual limits, eligibility requirements and exclusions should be reviewed before selecting a policy.

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New Car Replacement: Travelers Feature

Travelers Premier New Car Replacement®

Travelers offers Premier New Car Replacement coverage as a package designed for qualifying new vehicles.

Travelers states that if a qualifying new car is totaled within the first five years of ownership, the coverage can pay to replace it with a brand-new vehicle of the same make and model, subject to applicable conditions and deductibles.

The vehicle must be the current or a future model year when the coverage is added, the customer must be the original owner rather than a lessee, and comprehensive and collision coverage must be present.

The package also includes loan/lease gap coverage and a glass deductible feature.

Why this is important: Drivers with a recently purchased new vehicle should compare not only the premium but also the protection available after a total loss. New-car replacement rules can differ significantly between insurers and states.

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Accident Forgiveness Comparison

Progressive

Progressive provides accident-related discounts and policy features, but specific accident-forgiveness availability and eligibility should be confirmed for the applicable state and policy.

Travelers

Travelers offers Accident Forgiveness through its Responsible Driver Plan. The feature can forgive one accident within a specified period and help protect against a premium increase caused by that accident.

Travelers also offers Minor Violation Forgiveness in qualifying situations.

Travelers Premier Responsible Driver Plan®

Travelers’ Premier Responsible Driver Plan combines Accident Forgiveness and Minor Violation Forgiveness with Decreasing Deductible and Total Loss Deductible Waiver features.

Travelers states that under the Decreasing Deductible feature, customers can earn a $50 credit for every six months that all drivers on the policy remain accident- and major-violation-free, up to $500, subject to applicable terms.

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Roadside Assistance and Rental Coverage

Feature	Progressive	Travelers
Roadside assistance	Optional roadside assistance can provide services such as towing, battery jump-starts, flat-tire help, fuel delivery and lockout assistance.	Roadside Assistance can provide 24/7 assistance for situations such as flat tires, refueling, jump-starts and towing.
Rental reimbursement	Rental car reimbursement is available after a qualifying covered accident, subject to policy limits.	Extended Transportation Expenses / Rental Reimbursement can help pay for a rental car or other transportation when the insured car is not safely drivable after a covered loss.
Transportation alternatives	Rental reimbursement can provide a rental vehicle within the selected policy limits.	Travelers’ extended transportation coverage can include public transportation and other qualifying transportation expenses.

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Rideshare Coverage

Progressive Rideshare Coverage

Progressive states that rideshare coverage must be added to its personal auto policy for customers who drive for a rideshare or delivery service.

The coverage is designed to help fill gaps while the driver is logged into the rideshare or delivery platform and waiting for a trip or delivery request.

Travelers Limited Ridesharing Coverage

Travelers offers a limited ridesharing endorsement for qualifying drivers. The endorsement can apply during the period when the driver is available for hire until accepting a transportation request.

Travelers states that this endorsement is not available in all states, including California.

For rideshare drivers: The exact coverage period is critical. Before driving passengers or delivering property for compensation, confirm how your personal policy interacts with the rideshare platform’s insurance and which endorsement is available in your state.

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Additional Features Worth Comparing

Progressive Deductible Savings Bank

Progressive’s Deductible Savings Bank can subtract $50 from a qualifying comprehensive or collision deductible for each violation- and claim-free six-month policy period.

Progressive Custom Parts & Equipment

Progressive offers Custom Parts and Equipment coverage for qualifying modifications such as custom wheels, stereo equipment, navigation systems and paint work. The typical limit is $5,000.

Progressive Pet Injury Coverage

Progressive states that qualifying pet injury coverage can provide up to $1,000 for veterinary bills when the pet is injured in a covered accident while riding in the vehicle.

Travelers Decreasing Deductible

Through its Responsible Driver Plan, Travelers can provide a $50 deductible credit for each qualifying six-month accident- and major-violation-free period, up to $500.

Travelers Minor Violation Forgiveness

Travelers offers Minor Violation Forgiveness in qualifying states and policies, helping prevent a premium increase solely because of a first minor traffic violation.

Travelers Named Non-Owner Insurance

Travelers offers named non-owner insurance for qualifying drivers who do not own a vehicle but may frequently rent, borrow or otherwise use vehicles.

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Progressive vs Travelers for Different Driver Situations

Driver situation	Progressive feature to examine	Travelers feature to examine
Safe driver	Snapshot	Safe Driver Discount + IntelliDrive
Driver comfortable with telematics	Snapshot	IntelliDrive / IntelliDrive 365
New vehicle owner	Review available vehicle protection	Premier New Car Replacement
Financed or leased vehicle	Loan/Lease Payoff	Loan/Lease Gap Insurance
Driver concerned about accident-related increases	Review state-specific accident options	Accident Forgiveness / Responsible Driver Plan
Driver wanting deductible savings	Deductible Savings Bank	Decreasing Deductible
Rideshare / delivery driver	Rideshare Coverage	Limited Ridesharing Coverage
Multiple vehicles	Multi-car discount	Multi-car discount
Homeowner	Multi-policy discount	Multi-policy / homeowner-related savings
Driver without a vehicle	Review available non-owner options	Named Non-Owner Insurance

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How to Compare Progressive and Travelers Quotes

Insurance prices are highly individualized. A useful quote comparison should hold the major policy variables constant so that the difference is not simply caused by one policy having lower coverage.

1. Match Liability Limits

Use identical bodily injury and property damage liability limits for both quotes.

2. Match Deductibles

Compare the same comprehensive and collision deductibles. Higher deductibles can affect the premium and your out-of-pocket cost after a claim.

3. Compare GAP Protection

If the vehicle is financed or leased, compare Progressive Loan/Lease Payoff with Travelers Loan/Lease Gap Insurance and review eligibility and limits.

4. Check New-Car Protection

If you recently purchased a new vehicle, check whether Travelers Premier New Car Replacement or another qualifying vehicle protection option applies.

5. Compare Rental Limits

Review the daily rental amount, total limit and conditions under which transportation expenses are reimbursed.

6. Verify Telematics

Before assuming a Snapshot or IntelliDrive discount applies, verify eligibility, state availability and how the program can affect renewal pricing.

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Progressive vs Travelers: Key Differences to Check

Comparison point	Progressive	Travelers
Telematics	Snapshot	IntelliDrive / IntelliDrive 365
Safe-driving savings	Snapshot customers who earn a discount currently save an average of $328	IntelliDrive can provide savings of up to 30%; limits vary by program and state
Loan balance protection	Loan/Lease Payoff, up to 25% of actual cash value in applicable situations	Loan/Lease Gap Insurance
New car replacement	Review available state-specific options	Premier New Car Replacement can cover qualifying vehicles for the first five years
Accident forgiveness	State-specific availability	Available through Responsible Driver Plan in qualifying situations
Deductible reduction	Deductible Savings Bank	Decreasing Deductible through Responsible Driver Plan
Rideshare	Rideshare coverage	Limited ridesharing coverage
Roadside	Roadside assistance	Roadside Assistance / Premier Roadside Assistance
Rental / transportation	Rental car reimbursement	Extended Transportation Expenses / Rental Reimbursement

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Progressive vs Travelers FAQ

Is Progressive the same company as Travelers?

No. Progressive and Travelers are separate insurance companies with different products, policy options, discounts and telematics programs.

Does Travelers have a program similar to Progressive Snapshot?

Yes. Travelers offers IntelliDrive telematics programs. Depending on the state, customers may have access to IntelliDrive or IntelliDrive 365, which evaluate driving behavior through a smartphone app.

How does Snapshot compare with Travelers IntelliDrive?

Both are usage-based programs that evaluate driving behavior. Snapshot considers factors such as hard braking, acceleration, time of day and mileage, with phone use considered in some app-based situations. Travelers IntelliDrive programs can evaluate braking, acceleration, speed, time of day and distraction. Exact rules depend on the state and program.

How much can Progressive Snapshot save?

Progressive currently reports an average $164 participation discount for eligible new customers and an average $328 savings among customers who earn a Snapshot discount. Actual savings vary by state, policy and driving behavior.

How much can Travelers IntelliDrive save?

Travelers states that safe driving through IntelliDrive can lead to savings of up to 30% under the standard program. Travelers also states that safe drivers in Nevada can save up to 40%, while program-specific limits vary by state.

Does Progressive offer GAP insurance?

Progressive offers Loan/Lease Payoff coverage, which is similar to GAP insurance. Progressive states that it can cover up to 25% of the vehicle’s actual cash value in applicable situations, with exact limits varying by state.

Does Travelers offer GAP insurance?

Yes. Travelers offers Loan/Lease Gap Insurance for qualifying financed or leased vehicles. It can help cover the difference between actual cash value and the unpaid loan or lease balance after a covered total loss.

Does Travelers offer new car replacement?

Yes. Travelers offers Premier New Car Replacement coverage. Travelers states that qualifying new vehicles can be replaced with a brand-new vehicle of the same make and model if totaled during the first five years of ownership, subject to eligibility and policy conditions.

Does Travelers offer accident forgiveness?

Yes. Travelers offers Accident Forgiveness through its Responsible Driver Plan in qualifying states and policies. The feature can forgive one accident within a specified period.

Does Progressive offer rideshare insurance?

Yes. Progressive offers rideshare coverage that can help fill gaps when drivers are logged into rideshare or delivery platforms and waiting for a trip or delivery request, subject to state-specific rules.

Does Travelers offer rideshare insurance?

Travelers offers a limited ridesharing endorsement that can apply during the period when a driver is available for hire until accepting a transportation request. It is not available in every state.

Which company offers roadside assistance?

Both Progressive and Travelers offer roadside assistance options. Services can include towing, jump-starts, flat-tire assistance and related roadside services, subject to the policy terms.

Can Progressive and Travelers quotes be compared directly?

Yes, but the comparison should use the same vehicle, drivers, liability limits, deductibles and optional coverages. Premiums vary according to state, driving history, vehicle, location, coverage selections and other rating factors.

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Related Car Insurance Comparisons

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“` Disclaimer: This page is provided for informational and comparison purposes only and does not constitute an insurance quote, recommendation, legal advice or financial advice. Coverage, premiums, discounts, eligibility, limits, underwriting requirements and program availability can vary by state, vehicle, driver, policy and individual circumstances. Progressive and Travelers may change products, prices and program terms over time. Always review the current policy documents and terms available in your state before purchasing insurance. “`