Compare Allstate vs. Travelers Auto Insurance in 2021

Allstate vs. Travelers stacks up evenly regarding coverage options. Travelers earn $18.3 billion more than Allstate Insurance, but Allstate auto insurance is $37 more expensive on average. Travelers' A.M. Best rating is better than Allstate's. Allstate vs. Travelers auto insurance quotes vary for each person, so it's best to get personal quotes.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Travelers earns $18.3 billion less than Allstate
  • Allstate auto insurance rates are $37 more per month than Travelers auto insurance
  • Allstate insurance has a more significant market share, but Travelers insurance has more coverage options

Are you shopping for Allstate and Travelers auto insurance? Our Allstate vs. Travelers auto insurance guide explains everything you need to know about rates, auto insurance coverages, discounts, and third-party ratings.

Before you read more about Allstate vs. Travelers auto insurance, see how much you could save right now. Start comparing multiple companies by entering your ZIP code in the free comparison tool above.

Allstate vs. Travelers Auto Insurance: Which company is the cheapest?

Travelers is the cheaper auto insurance company. Various factors determine the cost of car insurance, which we’ll talk about in the subsection below.

Let’s examine Allstate and Travelers’ summary and where they stand in the auto insurance industry.

Allstate vs. Travelers Summary
SummaryAllstate Auto Insurance StatsTravelers Auto Insurance Stats
Year Founded19311853
Headquarters3075 Sanders Road Northbrook, IL 60062-7127One Tower Square Hartford, CT 06183
Customer Service Phone Number1-877-366-16071-800-842-5075
Websitehttps://www.allstate.com/https://www.travelers.com/
Mobile AppAllstate® Mobile
Allstate Motor Club
Travelers Mobile
YourTravelers
Direct Premiums$23.8 Billion$5.5 Billion
Market Share9%2%
National Average Auto Insurance Rate$407/month$370/month
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On average, Travelers car insurance is about $37 cheaper than Allstate car insurance. However, Allstate earns more from direct premiums and has a more significant market share than Travelers.

Which is cheapest by the state?

Location is one of the major factors in determining auto insurance. How come? Some states are known for their heavily populated cities, which increases the risk of getting into an accident.

So, which states have the most expensive Allstate and Travelers auto insurance rates? Let’s compare Allstate vs. Travelers auto insurance quotes by state.

Allstate vs. Travelers Monthly Auto Insurance Rates by State
StatesAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Alaska$262Data Not Available
Alabama$276$308
Arkansas$429$498
Arizona$409$257
California$378$279
Colorado$461Data Not Available
Connecticut$486$500
District of Columbia$539Data Not Available
Delaware$526$349
Florida$620Data Not Available
Georgia$351Data Not Available
Hawaii$181Data Not Available
Iowa$247$452
Idaho$341$269
Illinois$434$208
Indiana$332$283
Kansas$334$362
Kentucky$595$546
Louisiana$500Data Not Available
Maine$306$188
Maryland$436Data Not Available
Massachusetts$226$295
Michigan$1,909$731
Minnesota$378Data Not Available
Missouri$341Data Not Available
Mississippi$412$311
Montana$389Data Not Available
North Carolina$599$261
North Dakota$389Data Not Available
Nebraska$267Data Not Available
New Hampshire$227Data Not Available
New Jersey$476$355
New Mexico$350Data Not Available
Nevada$448$447
New York$395$382
Ohio$266$261
Oklahoma$310Data Not Available
Oregon$397$241
Pennsylvania$332$654
Rhode Island$413$576
South Carolina$325Data Not Available
South Dakota$394Data Not Available
Tennessee$402$228
Texas$457Data Not Available
Utah$297Data Not Available
Virginia$282Data Not Available
Vermont$266Data Not Available
Washington$295Data Not Available
West Virginia$318Data Not Available
Wisconsin$405Data Not Available
Wyoming$364Data Not Available
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Travelers auto insurance is more affordable throughout the United States. However, Travelers car insurance is only available in 43 states, but Allstate insurance is available across the country.

Which is cheapest by driving record?

The fastest road to affordable Allstate and Travelers car insurance is to maintain a clean driving record. No accidents, DUIs, and other traffic violations can maximize your auto insurance savings.

How do Allstate and Travelers determine auto insurance based on driving history? Let’s check out Allstate and Travelers’ car insurance rates below.

Allstate vs. Travelers Monthly Auto Insurance Rates by Driving Records
Driving Record SummaryAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Clean Driving Record$318$287
With 1 Speeding Violation$374$355
With 1 Accident$416$357
With 1 DUI$522$478
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A clean driving record carries the cheapest car insurance rates at both companies. However, Travelers auto insurance has the least expensive rates based on driving records.

Which is cheapest by credit score?

Your credit score impacts the cost of auto insurance. According to Experian, auto insurance companies correlate credit score to risk.

Therefore, a good credit score results in lower prices, but a poor credit score could mean higher premiums. Fair and poor credit history correlates to higher chances of filing a claim.

How are Allstate vs. Travelers auto insurance rates calculated based on different credit scores? Let’s review the auto insurance rates.

Allstate vs. Travelers Monthly Auto Insurance Rates by Credit Scores
Credit Score SummaryAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Good Credit Score (670-739)$322$338
Fair Credit Score (580-669)$382$362
Poor Credit Score (300-579)$541$430
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Allstate auto insurance quotes are more expensive when you factor in your credit score. On the other hand, Travelers car insurance is the more affordable car insurance based on all credit levels.

Which is cheapest by age, gender, and marital status?

Age, gender, and marital status are a few more factors that affect auto insurance. Age shows driving experience. Meanwhile, gender and marital status gauge the level of risk of getting into a car accident.

Therefore, younger male drivers are likely to pay more for car insurance because they’re at a high risk of being involved in an accident.

So what exactly do you pay at Allstate and Travelers? Here’s how age, gender, and marital status affect Allstate and Travelers auto insurance rates per month.

Allstate vs. Travelers Monthly Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Married 60-year-old female$243$171
Married 60-year-old male$249$173
Married 35-year-old male$260$183
Married 35-year-old female$263$182
Single 25-year-old female$285$194
Single 25-year-old male$298$208
Single 17-year-old female$774$776
Single 17-year-old male$887$1,071
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Teen drivers pay significantly more than senior drivers at both auto insurance companies. However, Allstate is cheaper for teens, but Travelers is more affordable for seniors.

Which is cheapest by commute mileage?

When you get a Travelers or Allstate quote, you’ll see a question about what your car is used for. This question is really about how often you’ll drive your vehicle.

The more you drive, the more you’ll spend on auto insurance per month. Let’s compare Allstate vs. Travelers car insurance based on commute mileage.

Allstate vs. Travelers Monthly Auto Insurance Rates by Commute Mileage
Estimated Commute MileageAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$367
25 Miles Commute (12,000 miles/yr)$411$372
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Travelers Insurance offers less expensive auto insurance than Allstate. If you drive more miles, you’ll pay more for car insurance. Some companies don’t charge extra, but Allstate and Travelers do.

Which is cheapest by vehicle?

Your car’s make and model year can determine your auto insurance, also. Older make and model year vehicles generate cheaper rates. How do Allstate and Travelers car insurance estimates stack up?

Let’s look at a few examples.

Allstate vs. Travelers Monthly Auto Insurance Rates by Vehicle
Vehicle Make and Model YearAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
2015 Toyota RAV4: XLE$360$365
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$369$335
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$396$368
2018 Toyota RAV4: XLE$412$392
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$448$388
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$458$368
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See how 2015 vehicles are more affordable than 2018 vehicles. Allstate auto insurance is less expensive for a 2015 Toyota RAV4, but Travelers auto insurance is more affordable overall.

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Allstate vs. Travelers Auto Insurance: Which company has more coverage options?

Coverage options can make a car insurance company more flexible, and it gives you more opportunities to efficiently cover your vehicle. Let’s see which company has more coverage.

Allstate vs. Travelers Auto Insurance Coverages
Allstate Auto Insurance CoveragesTravelers Auto Insurance Coverages
Collision coverageLiability Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityCollision Coverage
Property Damage LiabilityPersonal Injury Protection
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageMedical Payments Coverage
Personal Umbrella PolicyLoan/Lease Gap Insurance
Personal Injury ProtectionRental Coverage
Sound System InsuranceRoadside Assistance
Roadside AssistanceNew Car Replacement
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to MexicoRide Sharing
Umbrella Insurance
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Allstate has fewer coverage options, but it doesn’t make it a less reliable company. Both companies have unique ways you can cover your vehicle. However, the more coverage you have, the more you’ll pay for car insurance.

Allstate vs. Travelers Auto Insurance: What insurance products are available?

The best car insurance companies have other useful insurance products you can choose from. Allstate and Travelers are in the top percent of insurance companies across the United States.

Let’s compare insurance products from both companies.

Comparing Allstate vs. Travelers Auto Insurance Products
Insurance ProductsAllstate AvailabilityTravelers Availability
Affinity Car & Home Program
Boat Insurance
Business Insurance
Auto Insurance
Commercial Auto and Trucking
Commercial Property
Condo Insurance
Construction Insurance
Cyber Insurance
Energy & Renewable Insurance
Financial Institutions
General Liability
Healthcare
Home Insurance
Jewelry and Valuable Items Coverage
Landlord Insurance
Life Insurance
Management & Professional Liability
Manufacturing
Motorcycle Insurance
Premiums Business Audit
Real Estate
Renters Insurance
Risk Control Services
Risk Management Information Services
Roadside Assistance Coverage
RV Insurance
Small Business Owner’s Policy
Umbrella Insurance
Wedding & Events Insurance
Workers Compensation
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Allstate Insurance has fewer insurance products than Travelers Insurance Company. It doesn’t mean Travelers is a better company; it means Travelers has more options to bundle auto insurance and save money.

Allstate vs. Travelers Auto Insurance: Who has more discounts?

You’ve seen how expensive Allstate auto insurance can be. Don’t worry – you can cut high prices with discounts if you qualify. Which company provides more car insurance deals? Let’s compare Allstate and Travelers discounts below.

Allstate vs. Travelers Auto Insurance Discounts
Auto Insurance Discount NameAllstate AvailabilityTravelers Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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Allstate has more discounts than Travelers, but you may not qualify for all discounts. Before you buy auto insurance for any company, explore your discount eligibility to see if you can get cheaper rates.

Bundling with Homeowners or Renters Insurance

Did you know you can save at least 12 percent on auto insurance when bundling homeowners or renters insurance?

Bundling insurance is a way you can combine your auto insurance policy with another insurance product. Homeowners and renters insurance are ideal insurance products to add to your policy and save.

Which company has the better financial strength and customer satisfaction ratings?

Financial strength is important because it reveals how well a company manages money. Of course, customer reviews show how well auto insurance companies perform with consumers.

Several agencies conduct studies each year that measures insurance companies. Let’s examine the third-party ratings below.

Allstate vs. Travelers Financial Strength and Credit Ratings
AgenciesAllstate RatingsTravelers Ratings
AM BestA+A++
Moody'sA3Aa2
S&PAA-AA
NAIC Complaint Index0.410.32
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8890
Apple App Store (iOS)5 stars2 stars
Google Play Store (Android)4 stars4 stars
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A.M. Best, Moody’s, and S&P grade insurance companies on credit and financial strength. Although Allstate has a more significant market share, Travelers has a better financial outlook.

Travelers have done a better job in terms of customer complaints by keeping its complaints lower than average. Allstate also maintains lower than average complaints but not as well as Travelers.

According to  J.D. Power, both companies rank about average. However, Travelers has a better Consumer Reports rating.

Allstate’s mobile app ratings are slightly better than Travelers mobile apps. However, Allstate and Travelers have the same score on the Google Play Store.

To manage your “my Allstate” account or Travelers login, create an account online to access the mobile app at either company.

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Allstate vs. Travelers Auto Insurance: What are the advantages and disadvantages?

Let’s review some of the highlights and drawbacks of Allstate and Travelers. We’ve compiled them in the data below.

Comparing Allstate and Travelers Pros & Cons
Allstate ProsAllstate ConsTravelers ProsTravelers Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesSeveral auto insurance options to choose fromRideshare coverage is only available in Colorado and Illinois
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesModerate auto insurance ratesRanked last in the auto insurance market share
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phoneMarginal-rated repair service
Solid financial ratingsConsumer satisfaction ratings are below average
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Did we forget something? Every driver has different auto insurance needs. Take advantage of any highlights you find. It could mean more savings on car insurance.

Allstate vs. Travelers Auto Insurance: The Bottom Line

Travelers is the cheaper insurance company, but it’s only available in 43 states, but Allstate is known all over the United States. Despite Allstate’s availability, Travelers has a better grip on its finances and customer satisfaction.

Now you know all about Allstate vs. Travelers auto insurance and while you think about what you’ve learned, see how much you could be saving on car insurance today. Enter your ZIP code in the free online quote tool to compare multiple companies in your area.

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