Nationwide vs. Travelers Auto Insurance in 2021

Now that you've narrowed down your search, it's time to compare Nationwide vs. Travelers auto insurance rates, coverage options, discounts, and financial strength ratings. Our Nationwide vs. Travelers car insurance review finds that while Nationwide has cheaper rates, Travelers has better customer service and AM Best ratings. Continue reading to find out more and get free quotes.

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Sara Routhier, Managing Editor of Features and Outreach, 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 worl...

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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: Feb 9, 2021

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A Concise Overview

  • Travelers Insurance is ranked ten in the list of top ten auto insurance companies.
  • Nationwide Insurance has a higher market share than Travelers, but Travelers has better financial strength and credit ratings.
  • Teen drivers can save more money when they’re connected to a Nationwide auto insurance policy.

Our Nationwide vs. Travelers auto insurance review compares rates, auto insurance coverages, shows a side-by-side comparison of discounts, and reveals third-party ratings.

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For more information about Nationwide vs. Travelers auto insurance rates and discounts, continue reading.

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

Like any fair comparison, it’s essential to match up two companies to see where they stand in their respective industries. Let’s look at how these two car insurance giants compare to each other.

Nationwide vs. Travelers Summary
SummaryNationwide Auto Insurance StatsTravelers Auto Insurance Stats
Year Founded19261853
HeadquartersOne West Nationwide Blvd. Columbus, OH 43215-2220One Tower Square Hartford, CT 06183
Available in how many states?All StatesAll States
Direct Premiums$6.6 Billion$5.5 Billion
Market Share3%2%
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Nationwide has a slight direct premium and market share advantage over Travelers. However, market share ranking doesn’t make one company better or cheaper than the other.

Keep reading to learn more about Nationwide insurance and Travelers insurance.

Which is cheapest by driving record?

One of the most critical factors determining the price of auto insurance is driving record. All auto insurance policies are impacted by driving records.

So how are Nationwide and Travelers affected by driving records? Let’s examine their average monthly rates.

Average Monthly Nationwide vs. Travelers Auto Insurance Rates by Driving Record
Driving Record SummaryNationwide Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Clean Driving Record$229$287
With 1 Speeding Violation$259$355
With 1 Accident$283$357
With 1 DUI$379$478
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Nationwide auto insurance has cheaper rates. If you get Travelers car insurance, shoot for a clean driving record to get away from expensive rates.

Which is cheapest by credit score?

Car insurance providers correlate credit to risk. A good credit score is associated with a lower chance of filing claims, but poor credit scores show a customer has a higher chance of filing claims.

How do Nationwide and Travelers calculate car insurance based on credit scores? Let’s examine the latest auto insurance rates from both companies.

Average Monthly Nationwide vs. Travelers Auto Insurance Rates by Credit Scores
Credit Score SummaryNationwide Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Good Credit (670-739)$244$338
Fair Credit Score (580-669)$271$362
Poor Credit Score (300-579)$340$430
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Nationwide wins as the cheaper company. Customers with good credit can get cheaper rates at both companies, though.

There are two ways to get those expensive rates down. One way is to pay off any debts and alert your auto insurance company when your credit improves. The second way is through car insurance discounts.

Which is cheapest by age and gender?

Auto insurance providers will always base an auto insurance policy on the age of the driver. Gender is becoming less of a factor, but some states still correlate gender to risk.

Male drivers tend to pay more than female drivers, and younger drivers pay more than older drivers. Do Nationwide and Travelers follow this trend? Let’s investigate by looking at the research below.

Average Monthly Nationwide vs. Travelers Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusNationwide Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Married 35-year-old female$197$182
Married 35-year-old male$199$183
Married 60-year-old female$178$171
Married 60-year-old male$185$173
Single 17-year-old female$480$776
Single 17-year-old male$598$1,071
Single 25-year-old female$224$194
Single 25-year-old male$241$208
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Nationwide and Travelers do follow this car insurance trend, but there’s a surprising fact here. Auto insurance for older drivers is cheaper at Travelers. However, teen car insurance is less expensive at Nationwide.

Which is cheapest by coverage level?

The minimum auto insurance requirements are significant when you want to save money on auto insurance. But what if you live in a state with low coverage limits?

You may have to increase your coverage limits if you live in a state with low liability coverage limits. However, raising your coverage level will increase your monthly premium.

Let’s see how Nationwide vs. Travelers auto insurance coverage compares:

Average Monthly Nationwide vs. Travelers Auto Insurance Rates by Coverage Level
Coverage Level SummaryNationwide Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Low Coverage Level (Depends on State)$283$352
Medium Coverage Level (50/100/50)$287$372
High Coverage Level (100/300/100)$292$385
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Nationwide car insurance is still cheaper and carries the lowest increase between coverages.

Which is cheapest by commute mileage?

When you first get your quote, you’ll be asked about your vehicle’s purpose. Any general commuting that you do will maximize your rate.

If you’re only using your vehicle to drive occasionally, you can pay lower prices. Commuting is calculated for the year and dropped onto the car insurance policy.

The more you drive, the more you’ll pay for auto insurance. But how much more will you spend at Nationwide and Travelers?

Average Monthly Nationwide vs. Travelers Auto Insurance Rates by Commute Mileage
Estimated Commute MileageNationwide Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$286$367
25 Miles Commute (12,000 miles/yr)$289$372
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Traveler rates are more expensive and carry a higher increase in commute mileage values.

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Nationwide vs. Travelers Auto Insurance Coverages

Which company is more versatile and provides more coverage? We researched Nationwide’s and Travelers’ auto insurance coverage list and compared them side-by-side.

Comparing Nationwide vs. Travelers Auto Insurance Coverages
Nationwide Auto Insurance CoveragesTravelers Auto Insurance Coverages
Bodily Injury LiabilityLiability Coverage
Property Damage LiabilityComprehensive Coverage
Medical Payments coverageCollision Coverage
Collision coveragePersonal Injury Protection
Comprehensive coverageUninsured/Underinsured Motorist Coverage
Uninsured & Underinsured Motorist CoverageMedical Payments Coverage
Personal Injury ProtectionLoan/Lease Gap Insurance
GAP CoverageRental Coverage
Rental Car ExpenseRoadside Assistance
Roadside AssistanceNew Car Replacement
Accident ForgivenessAccident Forgiveness
Vanishing DeductibleRide Sharing
Total Loss Deductible WaiverUmbrella Insurance
Towing and Labor Coverage
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Nationwide and Travelers are nearly neck and neck in coverage options. Travelers auto insurance is just short of one coverage.

Nationwide and Travelers Insurance Products

Who has more insurance products to bundle? Let’s take it a step further and compare the available insurance products of both companies.

Comparing Nationwide vs. Travelers Insurance Products
Insurance ProductsNationwide AvailabilityTravelers Availability
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance
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Nationwide has more insurance products than Travelers, but this doesn’t make Travelers a bad company.

Nationwide vs. Travelers Auto Insurance: Who offers more discounts?

Discounts are the saving grace that will lead you to the glory of cheap car insurance rates. Let’s compare the available discounts from Nationwide and Travelers.

Nationwide vs. Travelers Auto Insurance Discounts
Auto Insurance Discount NamesNationwide Discount ValuesTravelers Discount Values
Accident ForgivenessVariesN/A
Accident Free DiscountVariesN/A
Affinity group discountVariesN/A
Anti-Theft Device Discount5%N/A
Continuous Coverage DiscountN/A15%
Defensive Driver Discount10%8%
Driving Habits DiscountVariesN/A
Driving training discountN/A8%
Early Quote DiscountN/A10%
Family Discount25%N/A
Farm Bureau Discount10%N/A
Good Driver Discount10%N/A
Good Payer DiscountN/A15%
Good Student Discount15%8%
Home Owner DiscountN/A5%
Hybrid/Electric Vehicle DiscountN/A10%
Low Mileage DiscountN/AVaries
Multiple Policy Discount25%13%
Multiple Vehicle Discount20%8%
New Car DiscountN/A10%
No lapse in coverage discountN/AVaries
Organization Discount10%N/A
Paid in full discountN/A8%
Paperless documents discountVariesN/A
Preferred payment discountVaries3%
Safe Driver DiscountN/A23%
SmartRide discount10%N/A
Student Away at School DiscountN/A7%
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Travelers car insurance just barely wins the discount war here. The Hartford, CT company has one more discount than Nationwide.

You can save even more at both companies when you bundle your auto insurance to one of their other products. For example, you can bundle Nationwide pet insurance or Nationwide retirement to your auto insurance policy to qualify for a discount.

You can also save money if you bundle your Travelers home and auto insurance.

Nationwide vs. Travelers Auto Insurance Reviews

Now that you know all about auto insurance rates and discounts, let’s venture into Nationwide and Travelers reviews.

First, we’ll explore the pros and cons of both companies. Then, we’ll explain financial strength and credit ratings, and finally wrap up with mobile app reviews.

Pros and Cons

Let’s begin with comparing the advantages and disadvantages of Nationwide and Travelers.

Comparing Pros and Cons of Nationwide vs. Travelers Auto Insurance
Nationwide ProsNationwide ConsTravelers ProsTravelers Cons
Choice of an agent or buying coverage directly.Customer satisfaction ratings are average to below averageSeveral auto insurance options to choose fromRideshare coverage is only available in Colorado and Illinois
One-stop shopping with lots of bundling optionsNo rideshare insurance availableModerate auto insurance ratesRanked last in the auto insurance market share
Rates are below average in most statesFewer add-on options than many other companiesMarginal-rated repair service
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Did we miss something? As you move closer to your final decision, you’ll start to conclude factors that will help you get the best policy.

Financial Strength and Credit Ratings

If you were ever curious how well auto insurance companies manage their money or how they treat customers, you were probably missing financial strength and credit ratings. Let’s compare the ratings below.

Nationwide vs. Travelers Financial Strength and Credit Ratings
AgenciesNationwide RatingsTravelers Ratings
AM BestA+A++
Better Business Bureau (BBB)AA+
Moody'sA1Aa2
S&PA+AA
NAIC Complaint Index1.450.32
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8890
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Although Travelers is ranked last, it has a much better rating than Nationwide on every level. Travelers manages its money more effectively, and consumers complain the least about their service.

Mobile App Ratings

Smartphones have become essential to the car insurance experience, and most companies encourage their customers to use their apps. Nationwide and Travelers mobile apps are available on both iOS and Android. Let’s examine their star ratings below.

Nationwide vs. Travelers Mobile App Ratings
Smart Device Stores/SystemsNationwide Mobile App Star RatingsTravelers Mobile App Star Ratings
Apple App Store (iOS)2 stars2 stars
Google Play Store (Android)3 stars4 stars
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Both companies have a low rating on Apple App Store. However, Travelers has a higher star rating than Nationwide under Google Play Store.

To access your auto insurance policy on your smartphone, you’ll need to create a Nationwide insurance login or a Travelers insurance login to access the account.

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Nationwide vs. Travelers Auto Insurance: The Bottom Line

Nationwide does have more affordable auto insurance rates, but Travelers has better ratings overall. However, drivers 25 and older can save more money when they choose a Travelers policy.

When you weigh out your coverage options and discount eligibility, you should be able to come up with a reliable selection either way you go.

Try comparing Nationwide vs. Travelers auto insurance using our free online quote tool below.

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