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.
Compare Cheap Car Insurance Quotes
Secured with SHA-256 Encryption
UPDATED: Mar 26, 2021
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
- 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.
|Age, Gender, and Marital Status||Travelers Average Annual Rates||USAA 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|
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.
|Driving Record||Travelers Average Annual Rates||USAA Average Annual Rates|
|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|
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.
|Credit History||Travelers Average Annual Rates||USAA Average Annual Rates|
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.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
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.
|Car Insurance Discounts||Travelers (%)||USAA (%)|
|Daytime Running Lights||x||x|
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.