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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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

  • 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.

Travelers vs. USAA Summary
SummaryTravelers Auto Insurance StatsUSAA Auto Insurance Stats
Year Founded18531922
HeadquartersOne Tower Square Hartford, CT 061839800 Fredericksburg Road San Antonio, TX 78288
Available in how many states?All StatesAll States
Direct Premiums$5.5 Billion$15.2 Billion
Market Share2%6%
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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.

Average Monthly Travelers vs. USAA Auto Insurance Rates by State
StatesMonthly Travelers Auto Insurance RatesMonthly USAA Auto Insurance Rates
AlaskaData Not Available$205
Alabama$308$177
Arkansas$498$181
Arizona$257$257
California$279$224
ColoradoData Not Available$278
Connecticut$500$266
District of ColumbiaData Not Available$215
Delaware$349$194
FloridaData Not Available$238
GeorgiaData Not Available$263
HawaiiData Not Available$99
Iowa$452$154
Idaho$269$156
Illinois$208$231
Indiana$283$136
Kansas$362$199
Kentucky$546$241
LouisianaData Not Available$363
Maine$188$161
MarylandData Not Available$229
Massachusetts$295$122
Michigan$731$302
MinnesotaData Not Available$238
MissouriData Not Available$210
Mississippi$311$171
MontanaData Not Available$169
North Carolina$261Data Not Available
North DakotaData Not Available$167
NebraskaData Not Available$194
New HampshireData Not Available$159
New Jersey$355Data Not Available
New MexicoData Not Available$191
Nevada$447$256
New York$382$313
Ohio$261$123
OklahomaData Not Available$265
Oregon$241$216
Pennsylvania$654$149
Rhode Island$576$360
South CarolinaData Not Available$285
South DakotaData Not AvailableData Not Available
Tennessee$228$228
TexasData Not Available$207
UtahData Not Available$208
VirginiaData Not Available$155
VermontData Not Available$159
WashingtonData Not Available$189
West VirginiaData Not Available$165
WisconsinData Not Available$248
WyomingData Not Available$232
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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.

Average Monthly Travelers vs. USAA Auto Insurance Rates by Driving Records
Driving Record SummaryTravelers Monthly Auto Insurance RatesUSAA 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
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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.

Average Monthly Travelers vs. USAA Auto Insurance by Credit Scores
Credit Score SummaryTravelers Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
Good Credit (670-739)$338$152
Fair Credit Score (580-669)$362$185
Poor Credit Score (300-579)$430$308
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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.

Average Monthly Travelers vs. USAA Auto Insurance Rates by Vehicle Make and Model
Vehicle Make and Model YearMonthly Travelers Auto Insurance RatesMonthly 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
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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.

Comparing Travelers vs. USAA Auto Insurance Coverages
Travelers Auto Insurance CoveragesUSAA Auto Insurance Coverages
Liability CoverageCollision Coverage
Comprehensive CoverageComprehensive Coverage
Collision CoverageLiability Coverage
Personal Injury ProtectionUninsured & Underinsured Motorist Coverage
Uninsured/Underinsured Motorist CoverageFull Coverage
Medical Payments CoverageRoadside Assistance
Loan/Lease Gap InsurancePersonal Injury Protection
Rental CoverageRental Car Reimbursement
Roadside Assistance
New Car Replacement
Accident Forgiveness
Ride Sharing
Umbrella Insurance
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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.

Travelers vs. USAA Insurance Products
Insurance ProductsUSAA AvailabilityTravelers Availability
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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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.

Comparing Travelers vs. USAA Auto Insurance Discounts
Auto Insurance Discount NameTravelers Discount ValuesUSAA Discount Values
Accident ForgivenessN/AVaries
Anti-lock Brake DiscountN/AVaries
Anti-Theft Device DiscountN/A20%
Continuous Coverage Discount15%N/A
Daytime Running Lights DiscountN/AVaries
Defensive Driver Discount8%Varies
Driving training discount8%Varies
Early Quote Discount10%N/A
Family DiscountN/A10%
Good Driver DiscountN/A10%
Good Payer Discount15%N/A
Good Student Discount8%Varies
Home Owner Discount5%N/A
Hybrid/Electric Vehicle Discount10%N/A
Low Mileage DiscountVariesVaries
Loyalty DiscountN/AVaries
Military DiscountN/A15%
Multiple Policy Discount13%9%
Multiple Vehicle Discount8%13%
New Car Discount10%Varies
No lapse in coverage discountVariesN/A
Paid in full discount8%N/A
Passive Restraint DiscountN/A15%
Preferred payment discount3%N/A
Safe Driver Discount23%N/A
Student Away at School Discount7%20%
teenSMART DiscountN/AVaries
Vehicle Storage DiscountN/A60%
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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.

Comparing Pros and Cons of Travelers vs. USAA Auto Insurance
Travelers ProsTravelers ConsUSAA ProsUSAA Cons
Several auto insurance options to choose fromRideshare coverage is only available in Colorado and IllinoisCheapest auto insurance ratesInsurance policies are only available to military members and their immediate families
Moderate auto insurance ratesRanked last in the auto insurance market shareAwesome military discountsFewer auto insurance coverage options than other competitors
Marginal-rated repair service
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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.

Travelers vs. USAA Financial Strength and Credit Ratings
AgenciesTravelers RatingsUSAA Ratings
AM BestA++A++
Better Business Bureau (BBB)A+A+
Moody'sAa2Aa1
S&PAAAA+
NAIC Complaint Index0.321.8
J.D. Power - Power Circle RatingsAbout AverageAmong The Best
Consumer Reports9095
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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.

Travelers vs. USAA Mobile App Ratings
Smart Device Stores/SystemsTravelers Mobile App Star RatingsUSAA Mobile App Star Ratings
Apple App Store (iOS)2 stars4 stars
Google Play Store (Android)4 stars5 stars
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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.

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