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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UPDATED: Jul 15, 2021
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- 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.
|Summary||Allstate Auto Insurance Stats||Travelers Auto Insurance Stats|
|Headquarters||3075 Sanders Road Northbrook, IL 60062-7127||One Tower Square Hartford, CT 06183|
|Customer Service Phone Number||1-877-366-1607||1-800-842-5075|
|Mobile App||Allstate® Mobile|
Allstate Motor Club
|Direct Premiums||$23.8 Billion||$5.5 Billion|
|National Average Auto Insurance Rate||$407/month||$370/month|
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.
|States||Allstate Monthly Auto Insurance Rates||Travelers Monthly Auto Insurance Rates|
|Alaska||$262||Data Not Available|
|Colorado||$461||Data Not Available|
|District of Columbia||$539||Data Not Available|
|Florida||$620||Data Not Available|
|Georgia||$351||Data Not Available|
|Hawaii||$181||Data Not Available|
|Louisiana||$500||Data Not Available|
|Maryland||$436||Data Not Available|
|Minnesota||$378||Data Not Available|
|Missouri||$341||Data Not Available|
|Montana||$389||Data Not Available|
|North Dakota||$389||Data Not Available|
|Nebraska||$267||Data Not Available|
|New Hampshire||$227||Data Not Available|
|New Mexico||$350||Data Not Available|
|Oklahoma||$310||Data Not Available|
|South Carolina||$325||Data Not Available|
|South Dakota||$394||Data Not Available|
|Texas||$457||Data Not Available|
|Utah||$297||Data Not Available|
|Virginia||$282||Data Not Available|
|Vermont||$266||Data Not Available|
|Washington||$295||Data Not Available|
|West Virginia||$318||Data Not Available|
|Wisconsin||$405||Data Not Available|
|Wyoming||$364||Data Not Available|
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.
|Driving Record Summary||Allstate Monthly Auto Insurance Rates||Travelers 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|
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.
|Credit Score Summary||Allstate Monthly Auto Insurance Rates||Travelers 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|
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.
|Age, Gender, and Marital Status||Allstate Monthly Auto Insurance Rates||Travelers 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|
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.
|Estimated Commute Mileage||Allstate Monthly Auto Insurance Rates||Travelers Monthly Auto Insurance Rates|
|10 Miles Commute (6,000 miles/yr)||$403||$367|
|25 Miles Commute (12,000 miles/yr)||$411||$372|
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.
|Vehicle Make and Model Year||Allstate Monthly Auto Insurance Rates||Travelers 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|
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 Auto Insurance Coverages||Travelers Auto Insurance Coverages|
|Collision coverage||Liability Coverage|
|Comprehensive coverage||Comprehensive Coverage|
|Bodily Injury Liability||Collision Coverage|
|Property Damage Liability||Personal Injury Protection|
|Uninsured & Underinsured Motorist Coverage||Uninsured & Underinsured Motorist Coverage|
|Rental Reimbursement Coverage||Medical Payments Coverage|
|Personal Umbrella Policy||Loan/Lease Gap Insurance|
|Personal Injury Protection||Rental Coverage|
|Sound System Insurance||Roadside Assistance|
|Roadside Assistance||New Car Replacement|
|Classic Car Insurance||Accident Forgiveness|
|Travel Car Insurance to Mexico||Ride Sharing|
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.
|Insurance Products||Allstate Availability||Travelers Availability|
|Affinity Car & Home Program||✘||✔|
|Commercial Auto and Trucking||✔||✔|
|Energy & Renewable Insurance||✘||✔|
|Jewelry and Valuable Items Coverage||✔||✔|
|Management & Professional Liability||✔||✔|
|Premiums Business Audit||✘||✔|
|Risk Control Services||✘||✔|
|Risk Management Information Services||✘||✔|
|Roadside Assistance Coverage||✔||✔|
|Small Business Owner’s Policy||✔||✔|
|Wedding & Events Insurance||✔||✔|
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.
|Auto Insurance Discount Name||Allstate Availability||Travelers Availability|
|Adaptive Cruise Control||✘||✘|
|Daytime Running Lights||✔||✔|
|Electronic Stability Control||✔||✘|
|Lane Departure Warning||✘||✘|
|Forward Collision Warning||✘||✘|
|New Customer/New Plan||✘||✘|
|Seat Belt Use||✘||✘|
|Students & Alumni||✘||✘|
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.
|Agencies||Allstate Ratings||Travelers Ratings|
|NAIC Complaint Index||0.41||0.32|
|J.D. Power - Power Circle Ratings||About Average||About Average|
|Apple App Store (iOS)||5 stars||2 stars|
|Google Play Store (Android)||4 stars||4 stars|
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.
|Allstate Pros||Allstate Cons||Travelers Pros||Travelers Cons|
|Lots of discounts that are easy to qualify for||Above average pricing in most states||Several auto insurance options to choose from||Rideshare coverage is only available in Colorado and Illinois|
|Cutting edge programs like pay-per-mile and rideshare coverage||Not all programs are offered in all states||Moderate auto insurance rates||Ranked last in the auto insurance market share|
|Local agent service plus easy web and mobile access||Online quoting will lead to agent solicitation by phone||Marginal-rated repair service|
|Solid financial ratings||Consumer satisfaction ratings are below average|
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.