Allstate vs. Travelers Auto Insurance (2024)
Comparing Allstate vs. Travelers auto insurance rates shows that Travelers is cheaper based on age, driving record, and credit score. In most cases, Travelers insurance is cheaper by an average of $1,000 per year and is especially a good choice for families with male teen drivers. External ratings of Allstate vs. Travelers auto insurance companies reveal that both have an A+ or higher from A.M. Best.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...
Commercial Lines Coverage Specialist
UPDATED: Feb 26, 2024
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- On average, Travelers auto insurance rates are $37 cheaper per month than Allstate
- Travelers offers more coverage options, but Allstate has a bigger market share and earns $18.3 billion more per year
- You can bundle other insurance products to lower auto insurance rates with both companies
You probably know the basics about auto insurance now that you’ve landed here ready to compare two great contenders, Travelers vs. Allstate. Choose the auto insurance company that will have your back when you need it.
A comparison of Allstate vs. Travelers auto insurance companies shows that both are on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?
To learn more about the companies, you can check out our Travelers auto insurance review and our Allstate auto insurance review.
Keep reading to compare affordable Travelers vs. Allstate auto insurance coverage, or enter your ZIP code to start comparing multiple companies in your area.
Allstate vs. Travelers Auto Insurance: Which is cheapest by driving record?
You can secure cheap auto insurance rates by maintaining a clean driving record. There’s no better way to prove you’re a safe driver than to have a driving record with no accidents, DUIs, or other traffic violations.
But what if you need auto insurance with a bad driving record? How do Allstate and Travelers calculate auto insurance rates based on driving records? Let’s take a look.
Allstate vs. Travelers Average Monthly Auto Insurance Rates by Driving Record
| Driving Record Summary | Allstate Average Monthly Auto Insurance Rates | Travelers Average Monthly Auto Insurance Rates |
|---|---|---|
| Clean Driving Record | $318 | $287 |
| With 1 Speeding Violation | $374 | $355 |
| With 1 Accident | $416 | $357 |
| With 1 DUI | $522 | $478 |
Clean driving records come with less expensive auto insurance rates, and Travelers auto insurance is the cheapest between these two companies.
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Allstate vs. Travelers Auto Insurance: Which is cheapest by credit score?
Pay attention to your credit score, because credit impacts the cost of auto insurance.
Auto insurance companies correlate credit score with risk — a poor credit score could mean you have a higher chance of filing insurance claims.
How do Allstate vs. Travelers auto insurance quotes stack up for auto insurance with bad credit? Take a look at the numbers below.
Allstate vs. Travelers Average Monthly Auto Insurance Rates by Credit History
| Credit Score Summary | Allstate Average Monthly Auto Insurance Rates | Travelers Average Monthly Auto Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $322 | $338 |
| Fair Credit Score (580-669) | $382 | $362 |
| Poor Credit Score (300-579) | $541 | $430 |
Once again, Allstate is the more expensive company. Travelers provides more affordable auto insurance and lower increases between credit levels.
Some states have passed legislation prohibiting auto insurance companies from using credit scores when setting rates, so make sure to check your local auto insurance laws before you buy auto insurance.
Allstate vs. Travelers Auto Insurance: Which is cheapest by age, gender, and marital status?
Your age, gender, and marital status impact your auto insurance policy because they determine risk — just like your driving record and credit score.
Age relates to your driving experience, while gender and marital status correlate to chances of filing a claim.
Travelers vs. Allstate auto insurance quotes are both affected by age, gender, and marital status. See details in the table below.
Allstate vs. Travelers Average Monthly Auto Insurance Rates by Age
| Age, Gender, and Marital Status | Allstate Average Monthly Auto Insurance Rates | Travelers Average Monthly Auto Insurance Rates |
|---|---|---|
| Single 17-year-old male | $887 | $1,071 |
| Single 17-year-old female | $774 | $776 |
| Single 25-year-old male | $298 | $208 |
| Single 25-year-old female | $285 | $194 |
| Married 35-year-old male | $260 | $183 |
| Married 35-year-old female | $263 | $182 |
| Married 60-year-old male | $249 | $173 |
| Married 60-year-old female | $243 | $171 |
Auto insurance for married drivers over the age of 34 will come with the lowest rates. Drivers under the age of 25 pay the most because their limited experience puts them at a higher risk of filing a claim. Auto insurance for teens is the most expensive.
Teen drivers save more money if their parent or legal guardian has an Allstate policy.
If you want to add a teen driver to your policy, contact your Allstate or Travelers insurance agent and let them know you need to add a young driver. Your rates will likely increase.
Continue reading to learn how you can lower rates with a teen driver on your auto insurance policy.
Allstate vs. Travelers Auto Insurance: Who has more discounts?
Each company has its selling point, and sometimes that comes down to who has the best auto insurance discounts that apply to your specific situation.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts vs. Travelers auto insurance discounts.
Allstate vs. Travelers Auto Insurance Discounts
| Auto Insurance Discount Name | Allstate Availability | Travelers Availability |
|---|---|---|
| Adaptive Cruise Control | ✘ | ✘ |
| Adaptive Headlights | ✘ | ✘ |
| Anti-lock Brakes | ✔ | ✔ |
| Anti-Theft | ✔ | ✔ |
| Claim Free | ✔ | ✔ |
| Continuous Coverage | ✔ | ✔ |
| Daytime Running Lights | ✔ | ✔ |
| Defensive Driver | ✔ | ✔ |
| Distant Student | ✔ | ✔ |
| Driver's Ed | ✔ | ✔ |
| Driving Device/App | ✔ | ✔ |
| Early Signing | ✔ | ✔ |
| Electronic Stability Control | ✔ | ✘ |
| Emergency Deployment | ✘ | ✘ |
| Engaged Couple | ✘ | ✘ |
| Family Legacy | ✘ | ✘ |
| Family Plan | ✘ | ✘ |
| Farm Vehicle | ✔ | ✘ |
| Fast 5 | ✘ | ✘ |
| Federal Employee | ✘ | ✘ |
| Forward Collision Warning | ✘ | ✘ |
| Full Payment | ✔ | ✔ |
| Further Education | ✘ | ✔ |
| Garaging/Storing | ✘ | ✔ |
| Good Credit | ✘ | ✘ |
| Good Student | ✔ | ✔ |
| Green Vehicle | ✔ | ✔ |
| Homeowner | ✘ | ✔ |
| Lane Departure Warning | ✘ | ✘ |
| Life Insurance | ✔ | ✘ |
| Low Mileage | ✔ | ✔ |
| Loyalty | ✘ | ✘ |
| Married | ✘ | ✘ |
| Membership/Group | ✘ | ✔ |
| Military | ✔ | ✘ |
| Military Garaging | ✘ | ✘ |
| Multiple Drivers | ✘ | ✘ |
| Multiple Policies | ✔ | ✔ |
| Multiple Vehicles | ✘ | ✔ |
| New Address | ✘ | ✘ |
| New Customer/New Plan | ✘ | ✘ |
| New Graduate | ✘ | ✘ |
| Newer Vehicle | ✔ | ✔ |
| Newly Licensed | ✘ | ✘ |
| Newlyweds | ✘ | ✘ |
| Non-Smoker/Non-Drinker | ✘ | ✘ |
| Occasional Operator | ✘ | ✘ |
| Occupation | ✔ | ✔ |
| On-Time Payments | ✔ | ✔ |
| Online Shopper | ✘ | ✘ |
| Paperless Documents | ✔ | ✘ |
| Paperless/Auto Billing | ✔ | ✔ |
| Passive Restraint | ✔ | ✔ |
| Recent Retirees | ✘ | ✘ |
| Renter | ✘ | ✘ |
| Roadside Assistance | ✘ | ✘ |
| Safe Driver | ✔ | ✔ |
| Seat Belt Use | ✘ | ✘ |
| Senior Driver | ✔ | ✘ |
| Stable Residence | ✘ | ✘ |
| Students & Alumni | ✘ | ✘ |
| Switching Provider | ✘ | ✘ |
| Utility Vehicle | ✔ | ✘ |
| Vehicle Recovery | ✔ | ✔ |
| VIN Etching | ✘ | ✔ |
| Volunteer | ✘ | ✘ |
| Young Driver | ✘ | ✘ |
Allstate has one more discount than Travelers. Although you may not qualify for all discounts, some of these should help bring down your monthly auto insurance rates and secure coverage with a tight budget.
You should also consider your options for bundling insurance policies. Compare Allstate vs. Travelers homeowners insurance or Allstate vs. Travelers life insurance and see if one of these policies might suit your needs.
You can call the Allstate or Travelers insurance phone number to find out your bundling options and ask about more discounts.
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Allstate vs. Travelers Auto Insurance: Which company has the better financial strength and customer satisfaction ratings?
Reviewing ratings from three different agencies will provide you with a good picture of an auto insurance company’s financial stability and its level of customer service.
A.M. Best scores companies based on their ability to meet ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.
Allstate vs. Travelers Company Ratings
| Agencies | Allstate Ratings | Travelers Ratings |
|---|---|---|
| AM Best | A+ | A++ |
| Apple App Store (iOS) | 5 stars | 2 stars |
| Consumer Reports | 88 | 90 |
| Google Play Store (Android) | 4 stars | 4 stars |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Moody's | A3 | Aa2 |
| NAIC Complaint Index | 0.41 | 0.32 |
| S&P | AA- | AA |
A.M. Best, Moody’s, and S&P are known for measuring financial strength. Despite its smaller market share, Travelers has a stronger financial outlook.
Remember, the lower a company’s score on the NAIC complaint index, the better. A score below one means a company has fewer than average complaints. Allstate’s score is very good, but Travelers has just edged them out.
Under J.D. Power, both companies rank about average. However, Travelers’ insurance reviews from Consumer Reports are better than Allstate’s.
Allstate vs. Travelers Auto Insurance: The Bottom Line
Allstate may have more expensive rates, but it’s a more balanced company. Travelers auto insurance is cheaper than Allstate but it has a smaller market share and its repair service may be unreliable.
You can save money with Travelers, but Travelers is only available in 43 states. Allstate is available everywhere, and it has more discounts than Travelers.
Before you decide whether to buy Allstate vs. Travelers auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area for free.
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Frequently Asked Questions
What are Allstate and Travelers Auto Insurance?
Allstate and Travelers are two well-known insurance companies that provide auto insurance coverage. They offer various policies and services to protect you and your vehicle in the event of accidents, damage, or theft.
What factors should I consider when choosing between Allstate and Travelers?
When comparing Allstate and Travelers Auto Insurance, consider the following factors:
- Coverage options: Review the types of coverage each company offers and ensure they meet your specific needs.
- Cost: Obtain quotes from both companies to compare premiums and available discounts.
- Customer service: Research customer reviews and ratings to gauge the satisfaction levels of existing policyholders.
- Claims process: Understand how each company handles claims and their reputation for efficient and fair claims resolution.
- Additional benefits: Look into any extra features or benefits offered by each company, such as roadside assistance or accident forgiveness.
Are there any significant differences in coverage options between Allstate and Travelers?
Both Allstate and Travelers offer a range of coverage options for auto insurance, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. However, the specific details and additional options within these categories may vary. It’s essential to review the policy details of each company to understand the coverage that best suits your needs.
Which company is generally more affordable, Allstate or Travelers?
The affordability of insurance premiums can vary based on factors such as your location, driving history, type of vehicle, and coverage requirements. To determine which company offers a more competitive rate for your specific situation, it’s recommended to obtain personalized quotes from both Allstate and Travelers and compare them directly.
How is the customer service of Allstate and Travelers?
Both Allstate and Travelers are reputable insurance companies with dedicated customer service departments. However, customer experiences can vary. It’s advisable to research customer reviews and ratings to gain insights into the satisfaction levels of policyholders with each company’s customer service, claims handling, and overall experience.
Do Allstate and Travelers offer any additional benefits or discounts?
Yes, both Allstate and Travelers provide various additional benefits and discounts to their auto insurance policyholders. These can include features like roadside assistance, accident forgiveness, safe driver discounts, multi-policy discounts, and more. To explore the specific benefits and discounts available, it’s best to contact each company directly or visit their websites for detailed information.
Can I bundle other types of insurance with my auto insurance policy?
Yes, both Allstate and Travelers offer the option to bundle other types of insurance, such as home, renters, or umbrella insurance, with your auto insurance policy. Bundling can often lead to discounts on premiums, so it’s worth considering if you need multiple types of coverage.
How can I get a quote or apply for auto insurance from Allstate or Travelers?
To get a quote or apply for auto insurance from Allstate or Travelers, you have a few options:
- Visit their official websites and use their online quote tools to obtain a personalized quote.
- Contact their customer service departments via phone and speak with a representative who can assist you with the quote process.
- Visit a local agent’s office if there is one near your location, where an agent can guide you through the quote and application process.