Travelers vs. USAA: Which Is Cheaper in 2021
When comparing Travelers vs. USAA car insurance companies, 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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UPDATED: Apr 27, 2021
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- When comparing Travelers vs. USAA car insurance rates, USAA car insurance is cheaper across the board.
- USAA is only offered to military families and veterans.
- 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. In this article, we’ll look at Travelers vs. USAA car insurance to see which one might best meet your needs.
We’ll look at the rates, discounts, financial ratings, and customer satisfaction levels for each of these companies to help you make this important decision.
You don’t have to wonder whether to just buy Travelers vs. USAA car insurance. 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 all the difference when it comes to how affordable Travelers vs. USAA car insurance quotes are for you.
Let’s take a look at Travelers and USAA car insurance rates 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|
Across the board, 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’ll spend a lot more on your insurance than you would with 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, a speeding ticket, or a DUI.
Your credit score may also affect your car insurance rates. Insurance companies believe that if you have a higher credit score, you’re 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.
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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.
|Car Insurance Discounts||Travelers (%)||USAA (%)|
|Daytime Running Lights||x||x|
The two 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 about discounts as you compare Travelers vs. USAA car insurance quotes to get the lowest rates possible.
How do 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 based on factors like what is offered, billing, price, and claims. Travelers ranked below average and USAA ranked above average.
Both 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 the companies’ mobile apps to access your information.
Choosing between Travelers vs. USAA car insurance can be a difficult decision. Weigh the pros and cons to determine if either company is right for you.
Don’t limit your search to Travelers vs. USAA car insurance, enter your ZIP code below to compare quotes from multiple companies near you.