Travelers vs. USAA: Which Is Cheaper in 2021

When comparing Travelers vs USAA, USAA has the cheapest car insurance rates. However, USAA insurance is only offered to the military, veterans, and their families. Both companies have superior financial ratings, but USAA has much higher customer satisfaction ratings. Take advantage of multiple discounts to lower Travelers vs USAA auto insurance rates.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 26, 2021

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Things to Know

  • When comparing Travelers vs USAA, USAA car insurance is cheaper across the board
  • USAA is only offered to the military, veterans, and their families.
  • USAA has higher financial and customer satisfaction ratings than Travelers

When it comes to car insurance companies, you have a lot of options, and comparing them head to head can help narrow down your choices. We will look at Travelers vs USAA car insurance companies to see which one meets your needs the best.

Compare rates, discounts, financial ratings, and customer satisfaction to determine if either is right for you.

You don’t have to just compare Travelers vs USAA to find the best company. Enter your ZIP code to receive free quotes from multiple companies near you.

Is Travelers car insurance or USAA car insurance cheaper?

You might be surprised to learn exactly what factors determine car insurance rates. Car insurance companies look at everything from where you live to your age, driving record, and credit history to determine your rates.

These factors can make the difference in determining how affordable Travelers vs USAA car insurance is for you.

Let’s take a look at Travelers vs USAA car insurance rates using some of those factors to see who can offer you the best deal.

This table shows you the average annual car insurance rates for both companies based on your age, gender, and marital status.

Travelers vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusTravelers Average Annual RatesUSAA Average Annual Rates
Single 17-year-old female$7,586.79$4,695.06
Single 17-year-old male$11,904.09$5,225.88
Single 25-year-old female$2,059.71$1,913.08
Single 25-year old male$2,165.03$2,119.73
Married 35-year-old female$1,899.93$1,484.88
Married 35-year-old male$1,914.91$1,482.91
Married 60-year-old female$1,806.15$1,395.84
Married 60-year-old male$1,882.23$1,400.76
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No matter the age, gender, or marital status, USAA has the cheapest car insurance rates.

Another important factor that car insurance companies use to calculate your rates is your driving record. If you have accidents, tickets, or DUIs, you will spend a lot more on your insurance than if you have a clean driving record.

Travelers vs. USAA Average Annual Rates Based on Driving Record
Driving RecordTravelers Average Annual RatesUSAA Average Annual Rates
Clean record$3,447.69$1,933.68
With 1 accident$4,289.74$2,516.24
With 1 DUI$5,741.40$3,506.03
With 1 speeding violation$4,260.80$2,193.25
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Travelers is more expensive whether you have a clean record, an accident, speeding ticket, or DUI.

You might be surprised to learn your credit score affects your car insurance rates. Insurance companies believe that if you have a higher credit score, you are less likely to file a claim and more willing to pay out of pocket for damages.

Travelers vs. USAA Average Annual Rates Based on Credit History
Credit HistoryTravelers Average Annual RatesUSAA Average Annual Rates
Good$4,058.97$1,821.20
Fair$4,344.10$2,219.83
Poor$5,160.22$3,690.73
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Yet again, USAA is the less expensive option regardless of your credit history.

There are a few states, like California and Michigan, that don’t allow car insurance companies to look at your credit score to determine your rates.

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Does Travelers or USAA have better car insurance discounts?

Car insurance discounts are a great way to lower your rates. Most companies offer you discounts based on a variety of things, including how many cars you have, your occupation, and even your car’s safety features.

This table shows you the discounts that are offered by Travelers insurance and USAA insurance. If the amount of the discount is known, it is included. See which company can offer you the most discounts.

Travelers vs. USAA Car Insurance Discounts
Car Insurance DiscountsTravelers (%)USAA (%)
Anti-lock Brakesxx
Anti-Theftxx
Claim Free2312
Continuous Coverage15N/A
Daytime Running Lightsxx
Defensive Driver103
Distant Student7x
Driver's Ed83
Driving Device/App305
Early Signing1012
Family LegacyN/A10
Full Payment7.5N/A
Further EducationxN/A
Garaging/Storingx90
Good Student83
Green Vehicle10N/A
Homeowner5N/A
Low Mileagexx
LoyaltyN/Ax
MarriedN/Ax
Membership/GroupxN/A
MilitaryN/Ax
Military GaragingN/A15
Multiple Policies13x
Multiple Vehicles8x
Newer Vehicle1012
Occasional OperatorN/Ax
OccupationxN/A
On-Time Payments15N/A
Paperless/Auto Billing33
Passive Restraintxx
Safe Driver2312
Senior DriverN/Ax
Vehicle Recoveryxx
VIN Etchingxx
Young DriverN/A$75
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Both companies offer most of the same discounts, but there are some differences. For example, Travelers offers a continuous coverage discount and USAA doesn’t. On the other hand, USAA offers a military discount and Travelers doesn’t.

Be sure to ask for any discounts as you compare Travelers vs. USAA car insurance quotes to get the lowest rate possible.

How does Travelers and USAA compare in financial strength and customer satisfaction?

A.M. Best ranks companies based on how financially stable they are. Travelers received an A+ rating, and USAA received an A++, meaning they both have a superior ability to meet their obligations.

Travelers auto insurance received an A+ rating from the Better Business Bureau, and USAA received an A- rating. Neither company is accredited.

Both companies were also ranked by J.D. Power for customer satisfaction on factors like what is offered, billing, price, and claims. Travelers ranked below average and USAA ranked above average.

Both companies also offer easy-to-use websites, and your USAA or Travelers insurance login will allow you to pay your bill and access your insurance information. You can also use your Travelers or USAA login on their mobile apps to access your information.

Deciding to buy Travelers vs USAA car insurance can be a difficult decision. Weigh Travelers and USAA pros and cons to determine if either company is right for you.

Now that you’ve compared Travelers vs USAA car insurance, enter your ZIP code to compare quotes from multiple companies near you.

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