Travelers vs. USAA Auto Insurance in 2021
Our Travelers vs. USAA auto insurance compares monthly car insurance rates, coverages, discounts, third-party ratings, and much more. Travelers and USAA car insurance is available across the United States, although USAA is only available to military members and their immediate families. Compare Travelers vs. USAA auto insurance quotes below to find out which company works best for you.
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UPDATED: Feb 9, 2021
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- USAA is only available to members of the U.S. Armed Forces and their immediate families.
- Hawaii carries the cheapest USAA auto insurance rate.
- Travelers auto insurance has more coverage options than USAA.
- Travelers insurance has a better NAIC Complaint Index than USAA insurance.
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.
|Summary||Travelers Auto Insurance Stats||USAA Auto Insurance Stats|
|Headquarters||One Tower Square Hartford, CT 06183||9800 Fredericksburg Road San Antonio, TX 78288|
|Available in how many states?||All States||All States|
|Direct Premiums||$5.5 Billion||$15.2 Billion|
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.
|States||Monthly Travelers Auto Insurance Rates||Monthly USAA Auto Insurance Rates|
|Alaska||Data Not Available||$205|
|Colorado||Data Not Available||$278|
|District of Columbia||Data Not Available||$215|
|Florida||Data Not Available||$238|
|Georgia||Data Not Available||$263|
|Hawaii||Data Not Available||$99|
|Louisiana||Data Not Available||$363|
|Maryland||Data Not Available||$229|
|Minnesota||Data Not Available||$238|
|Missouri||Data Not Available||$210|
|Montana||Data Not Available||$169|
|North Carolina||$261||Data Not Available|
|North Dakota||Data Not Available||$167|
|Nebraska||Data Not Available||$194|
|New Hampshire||Data Not Available||$159|
|New Jersey||$355||Data Not Available|
|New Mexico||Data Not Available||$191|
|Oklahoma||Data Not Available||$265|
|South Carolina||Data Not Available||$285|
|South Dakota||Data Not Available||Data Not Available|
|Texas||Data Not Available||$207|
|Utah||Data Not Available||$208|
|Virginia||Data Not Available||$155|
|Vermont||Data Not Available||$159|
|Washington||Data Not Available||$189|
|West Virginia||Data Not Available||$165|
|Wisconsin||Data Not Available||$248|
|Wyoming||Data Not Available||$232|
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.
|Driving Record Summary||Travelers Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|Clean Driving Record||$287||$161|
|With One Speeding Violation||$355||$183|
|With One Accident||$357||$210|
|With One DUI||$478||$292|
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.
|Credit Score Summary||Travelers Monthly Auto Insurance Rates||USAA Monthly Auto Insurance Rates|
|Good Credit (670-739)||$338||$152|
|Fair Credit Score (580-669)||$362||$185|
|Poor Credit Score (300-579)||$430||$308|
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.
|Vehicle Make and Model Year||Monthly Travelers Auto Insurance Rates||Monthly USAA Auto Insurance Rates|
|2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$335||$213|
|2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$368||$201|
|2015 Toyota RAV4: XLE||$365||$205|
|2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$368||$238|
|2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$388||$202|
|2018 Toyota RAV4: XLE||$392||$211|
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 Auto Insurance Coverages||USAA Auto Insurance Coverages|
|Liability Coverage||Collision Coverage|
|Comprehensive Coverage||Comprehensive Coverage|
|Collision Coverage||Liability Coverage|
|Personal Injury Protection||Uninsured & Underinsured Motorist Coverage|
|Uninsured/Underinsured Motorist Coverage||Full Coverage|
|Medical Payments Coverage||Roadside Assistance|
|Loan/Lease Gap Insurance||Personal Injury Protection|
|Rental Coverage||Rental Car Reimbursement|
|New Car Replacement|
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.
|Insurance Products||USAA Availability||Travelers Availability|
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.
|Auto Insurance Discount Name||Travelers Discount Values||USAA Discount Values|
|Anti-lock Brake Discount||N/A||Varies|
|Anti-Theft Device Discount||N/A||20%|
|Continuous Coverage Discount||15%||N/A|
|Daytime Running Lights Discount||N/A||Varies|
|Defensive Driver Discount||8%||Varies|
|Driving training discount||8%||Varies|
|Early Quote Discount||10%||N/A|
|Good Driver Discount||N/A||10%|
|Good Payer Discount||15%||N/A|
|Good Student Discount||8%||Varies|
|Home Owner Discount||5%||N/A|
|Hybrid/Electric Vehicle Discount||10%||N/A|
|Low Mileage Discount||Varies||Varies|
|Multiple Policy Discount||13%||9%|
|Multiple Vehicle Discount||8%||13%|
|New Car Discount||10%||Varies|
|No lapse in coverage discount||Varies||N/A|
|Paid in full discount||8%||N/A|
|Passive Restraint Discount||N/A||15%|
|Preferred payment discount||3%||N/A|
|Safe Driver Discount||23%||N/A|
|Student Away at School Discount||7%||20%|
|Vehicle Storage Discount||N/A||60%|
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 Pros||Travelers Cons||USAA Pros||USAA Cons|
|Several auto insurance options to choose from||Rideshare coverage is only available in Colorado and Illinois||Cheapest auto insurance rates||Insurance policies are only available to military members and their immediate families|
|Moderate auto insurance rates||Ranked last in the auto insurance market share||Awesome military discounts||Fewer auto insurance coverage options than other competitors|
|Marginal-rated repair service|
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.
|Agencies||Travelers Ratings||USAA Ratings|
|Better Business Bureau (BBB)||A+||A+|
|NAIC Complaint Index||0.32||1.8|
|J.D. Power - Power Circle Ratings||About Average||Among The Best|
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.
|Smart Device Stores/Systems||Travelers Mobile App Star Ratings||USAA Mobile App Star Ratings|
|Apple App Store (iOS)||2 stars||4 stars|
|Google Play Store (Android)||4 stars||5 stars|
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.