Travelers vs. USAA Auto Insurance in 2021

If you need help choosing between Travelers and USAA auto insurance, read our Travelers vs. USAA auto insurance review. We’ll explain which company is cheaper, the available auto insurance coverages, how many discounts you can qualify for, and current third-party ratings.

Enter your ZIP code in the free comparison tool above to compare companies if you’re having second thoughts about Travelers vs. USAA auto insurance quotes.

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

Travelers and USAA are part of the top ten auto insurance companies in the United States. Before we talk about car insurance rates, let’s look at the matchup between these two car insurance champions.

USAA has sold more premiums and has a larger market share, but Travelers has managed to hang in there with a two percent market share and a $5.5 billion value.

Which is cheapest by state?

You should be able to buy Travelers and USAA anywhere in the United States. Location is one of the most significant factors of auto insurance. How does location affect Travelers and USAA car insurance? Let’s review the monthly rates below.

Overall, USAA is cheaper. Some states didn’t list any auto insurance rates. However, it doesn’t mean you can’t get a quote in that state. Try our free quote tool to see if you can find a quote from Travelers or USAA.

Which is cheapest by driving record?

Another factor that has a significant impact on your auto insurance is your driving record. Maintaining a clean driving record could mean monthly cheaper rates. Let’s see how Travelers and USAA respond to car insurance rates based on driving records.

As you can from the data, a clean driving record produces the cheapest rates available. However, a DUI conviction can drive up your rates.

Which is cheapest by credit score?

Did you know auto insurance companies determine cost based on your credit score? The better your credit score, the less you’ll pay for car insurance. Let’s see if that’s true with Travelers vs. USAA auto insurance rates.

Travelers auto insurance rates haven’t changed much from the previous data, but USAA’s rates got lower. However, USAA increases car insurance by over $100 for policyholders with poor credit.

Which is cheapest by vehicle?

Pay attention to the make and model year of your car – it determines your auto insurance rate. New vehicles tend to be more expensive when you insure them, while older vehicles have cheaper rates.

Check out the sample car insurance rates below to get an idea of how Travelers and USAA calculate monthly rates.

Travelers car insurance is still more expensive. USAA’s auto insurance rates are much higher here too. However, the USAA costs don’t reach $300 per month.

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Travelers vs. USAA Auto Insurance Coverages

Do you want more than just liability car insurance? Travelers and USAA provide more than the minimum requirements. Take a few seconds and glance over the coverage options you can add to your policy.

Travelers may be more expensive, but they have more car insurance coverages than USAA.

Travelers and USAA Car Insurance Products

If you’re shopping for more insurance, both companies have other insurance services you can take advantage of. Let’s look at each available insurance product at Travelers and USAA.

USAA makes a comeback and provides more insurance options for its customers. Does it make Travelers less reliable? Of course not. Keep reading to learn more about policy discounts at both companies.

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

When you want to slash auto insurance costs, lean on discounts. The best companies have plenty of deals you can use, and Travelers and USAA provide several. Let’s examine those discounts now.

Although USAA has more discounts, Travelers has enough discounts that help you lower Travelers’ monthly premiums, making Travelers a worthy contender.

Bundling Homeowners Insurance

If you plan to have more than one insurance policy, try bundling your auto insurance with other services. Bundling can save you about 12 percent on auto insurance rates.

For example, you can bundle home or renters insurance with a Travelers auto insurance policy. If you drive a 2018 Toyota RAV4, your rates are about $211 per month. Therefore, a bundle with home or renters insurance would bring your rates down by $25.

Travelers vs. USAA Auto Insurance Reviews

You made it to the reviews! We’ve covered rates, coverages, and discounts. As promised, we’ll show a summary of the overall reviews of Travelers and USAA.

In the next few subsections, we’ll cover the pros, cons, financial strength ratings, and how well both companies perform on Apple App Store and Google Play Store.

Pros and Cons

Let’s start our reviews with Travelers’ and USAA’s advantages and disadvantages. Check the details below.

Travelers auto insurance has more cons than pros, but it’s available to everyone. USAA, on the other hand, is only available to veterans and their immediate families.

Financial Strength and Credit Ratings

A company’s financial strength and credit rating is an indicator showing how well it manages money. Also, credit ratings value the customer satisfaction response.

Agencies across the world judge auto insurance companies and summarize performances into a singular score. Let’s see where Travelers and USAA stand.

Both companies have excellent financial strength ratings, but USAA’s ratings are better. However, Travelers has a better NAIC complaint index, which means it receives fewer customer complaints than USAA.

Mobile App Ratings

Car insurance companies have engaged mobile apps more recently since smartphones have become essential for the auto insurance experience.

If you want to access Travelers and USAA mobile apps, you’ll need the Apple App Store (iOS) or the Google Play Store (Android). Both stores have ratings from customers. Let’s examine Travelers’ and USAA’s ratings.

USAA’s iOS rating is twice as good as Travelers’ rating. Travelers’ Android rating follows USAA by one point.

To access your auto insurance by mobile app, you’ll need to create a Travelers insurance login or USAA login.

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Travelers vs. USAA Auto Insurance: The Bottom Line

USAA would be the perfect company, but it’s only available to the military and their immediate families. Travelers is one of the expensive auto insurance companies on the top ten list. However, you can save money on car insurance rates through policy and vehicle discounts.

There are other options besides Travelers and USAA. Try entering your ZIP code in the free online quote tool to compare quotes outside of our Travelers vs. USAA auto insurance.