Allstate vs. Travelers: Best Auto Insurance for 2022

Travelers vs. Allstate stack up evenly in terms of coverage options, but Travelers is cheaper and has a better A.M. Best rating. Allstate vs. Travelers auto insurance quotes will vary for each person.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 27, 2022

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Can't-Miss Facts

  • Allstate earns $18.3 billion more than Travelers
  • On average, Travelers auto insurance is $37 cheaper than Allstate
  • Travelers has more coverage options, but Allstate has a bigger market share
  • You can bundle other insurance products to lower monthly rates

Are you trying to decide between Allstate and Travelers? Our Allstate vs. Travelers auto insurance guide explains everything you need to know about auto insurance rates, coverage options, discounts, and third-party ratings.

If you want to learn more about Allstate and Travelers insurance, check out our Allstate Review and Travelers Insurance Review.

Before you read more about Travelers vs. Allstate, see how much you could save right now. Start comparing multiple companies by entering your ZIP code in the free comparison tool above.

Allstate vs. Travelers Auto Insurance: Which company is the cheapest?

Between Allstate and Travelers Insurance, Travelers is the cheaper auto insurance company. Our research found several factors showing how Travelers car insurance rates are less expensive than Allstate.

Before we go into the factors that determine car insurance at both companies, let’s look at an Allstate and Travelers’ summary.

Allstate vs. Travelers Summary
SummaryAllstate Auto Insurance StatsTravelers Auto Insurance Stats
Year Founded19311853
Headquarters3075 Sanders Road Northbrook, IL 60062-7127One Tower Square Hartford, CT 06183
Customer Service Phone Number1-877-366-16071-800-842-5075
Mobile AppAllstate® Mobile
Allstate Motor Club
Travelers Mobile
Direct Premiums$23.8 Billion$5.5 Billion
Market Share9%2%
National Average Auto Insurance Rate$407/month$370/month
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Travelers Insurance Company was founded before Allstate. However, Allstate has a much more significant market share and earns more from premiums.

Which is cheapest by the state?

The area where you live affects your auto insurance rates. Why? Some states are known for their densely populated metro areas, which increases the risk of filing claims. Rural areas have a lower chance of filing claims.

Therefore, states with more rural areas or low populated areas have cheaper rates. Let’s compare Allstate vs Travelers auto insurance quotes by state.

Allstate vs. Travelers Auto Insurance Rates by State
StatesAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Alaska$262Data Not Available
Colorado$461Data Not Available
District of Columbia$539Data Not Available
Florida$620Data Not Available
Georgia$351Data Not Available
Hawaii$181Data Not Available
Louisiana$500Data Not Available
Maryland$436Data Not Available
Minnesota$378Data Not Available
Missouri$341Data Not Available
Montana$389Data Not Available
North Carolina$599$261
North Dakota$389Data Not Available
Nebraska$267Data Not Available
New Hampshire$227Data Not Available
New Jersey$476$355
New Mexico$350Data Not Available
New York$395$382
Oklahoma$310Data Not Available
Rhode Island$413$576
South Carolina$325Data Not Available
South Dakota$394Data Not Available
Texas$457Data Not Available
Utah$297Data Not Available
Virginia$282Data Not Available
Vermont$266Data Not Available
Washington$295Data Not Available
West Virginia$318Data Not Available
Wisconsin$405Data Not Available
Wyoming$364Data Not Available
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Although Travelers auto insurance is more affordable overall, Allstate covers the United States more efficiently. According to the Travelers website, you can only find Travelers car insurance in 43 states. Meanwhile, Allstate is available across the nation.

Which is the cheapest by driving record?

You can secure cheap car 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, and other traffic violations.

How do Allstate and Travelers calculate auto insurance based on driving records? Let’s examine the sample rates.

Allstate vs. Travelers Auto Insurance Rates by Driving Records
Driving Record SummaryAllstate Monthly Auto Insurance RatesTravelers 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
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Clean driving records have less expensive car insurance rates, and Travelers auto insurance has the cheapest out of both companies.

Which is the cheapest by credit score?

Pay attention to your credit score, because it impacts the cost of car insurance. Why? According to Experian, auto insurance companies correlate credit scores to risk. Therefore, a poor credit score could mean you have a higher chance of filing insurance claims.

How do Allstate vs. Travelers auto insurance rates stack up for different credit scores? Take a look at the numbers below.

Allstate vs. Travelers Auto Insurance Rates by Credit Scores
Credit Score SummaryAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Good Credit (670-739)
Fair Credit Score (580-669)
Poor Credit Score (300-579)
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Once again, Allstate is the more expensive company. Travelers car insurance is more affordable and has cheaper increases between credit levels.

Which is cheapest by age, gender, and marital status?

Your age, gender, and marital status impact your car insurance policy because they determine risk – just like your driving record and credit score. Age relates to the driving experience, while gender and marital status correlate to the chances of filing a claim.

Here’s how age, gender, and marital status affect Allstate and Travelers auto insurance rates per month.

Allstate vs. Travelers Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
Married 60-year-old female$243$171
Married 60-year-old male$249$173
Married 35-year-old male$260$183
Married 35-year-old female$263$182
Single 25-year-old female$285$194
Single 25-year-old male$298$208
Single 17-year-old female$774$776
Single 17-year-old male$887$1,071
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Married drivers over the age of 34 will pay the least for auto insurance premiums. Drivers under the age of 25 pay the most because they’re at a much higher risk.

Younger drivers tend to take more risks. Statistically, female drivers are safer drivers. However, 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 and let them know you want 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.

Which is cheapest by commute mileage?

Before we talk about how to lower rates for teen drivers, let’s explore how the miles you drive impact your car insurance. You can save a few dollars per year if you drive less. Let’s compare Allstate vs. Travelers car insurance based on commute mileage.

Allstate vs. Travelers Auto Insurance Rates by Commute Mileage
Estimated Commute MileageAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$367
25 Miles Commute (12,000 miles/yr)$411$372
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Traveling more per year isn’t as expensive as it seems. However, Travelers auto insurance customers once again have cheaper rates.

Which is cheapest by vehicle?

Your car is also a major factor when determining auto insurance rates. Car insurance companies gauge potential costs if your vehicle is damaged in an accident. Usually, newer make and model year vehicles generate more expensive rates, but those rates vary by company.

Here’s an estimate from Allstate and Travelers car insurance based on Ford, Honda, and Toyota models.

Allstate vs. Travelers Auto Insurance Rates by Vehicle
Vehicle Make and Model YearAllstate Monthly Auto Insurance RatesTravelers Monthly Auto Insurance Rates
2015 Toyota RAV4: XLE$360$365
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$369$335
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$396$368
2018 Toyota RAV4: XLE$412$392
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$448$388
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$458$368
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Older model year vehicles are much cheaper than the 2018 model year. Although Travelers is the more affordable company overall, Allstate has less expensive rates for a 2015 Toyota RAV4.

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Allstate vs. Travelers Auto Insurance: Which company has more coverage options?

Now that you know more about car insurance rates from Allstate and Travelers, let’s see what coverage options are available. Some circumstances require that you get more coverage. If you’re going to buy more coverage from either company, let’s look at the options you’ll have.

Allstate vs. Travelers Auto Insurance Coverages
Allstate Auto Insurance CoveragesTravelers Auto Insurance Coverages
Collision coverageLiability Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityCollision Coverage
Property Damage LiabilityPersonal Injury Protection
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageMedical Payments Coverage
Personal Umbrella PolicyLoan/Lease Gap Insurance
Personal Injury ProtectionRental Coverage
Sound System InsuranceRoadside Assistance
Roadside AssistanceNew Car Replacement
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to MexicoRide Sharing
Umbrella Insurance
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Travelers has more coverage options, but it doesn’t carry coverage when traveling to Mexico like Allstate. Each company has something unique which separates itself from the competition.

Allstate vs. Travelers Insurance Products

Major auto insurance companies usually have other products available for customers.

Since Allstate and Travelers are part of the most prominent insurance provider list, it’s a good idea to go through the various insurance products they provide. Check out the collection of services you can add to your Allstate or Travelers auto insurance policies.

Comparing Allstate and Travelers Insurance Products
Insurance ProductsAllstate AvailabilityTravelers Availability
Affinity Car & Home Program
Boat Insurance
Business Insurance
Auto Insurance
Commercial Auto and Trucking
Commercial Property
Condo Insurance
Construction Insurance
Cyber Insurance
Energy & Renewable Insurance
Financial Institutions
General Liability
Home Insurance
Jewelry and Valuable Items Coverage
Landlord Insurance
Life Insurance
Management & Professional Liability
Motorcycle Insurance
Premiums Business Audit
Real Estate
Renters Insurance
Risk Control Services
Risk Management Information Services
Roadside Assistance Coverage
RV Insurance
Small Business Owner’s Policy
Umbrella Insurance
Wedding & Events Insurance
Workers Compensation
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Travelers Insurance Company has more products than Allstate Insurance Company, but that doesn’t make it better or worse than its competitors. However, this does give customers more opportunities to bundle their policies into another service and save money.

Allstate vs. Travelers Auto Insurance: Who has more discounts?

If your auto insurance quotes are more expensive than you expected, you can still lower your premiums with the right discounts. Allstate and Travelers have several discounts you can use. But which company provides more deals? Let’s compare Allstate and Travelers discounts below.

Allstate vs. Travelers Auto Insurance Discounts
Auto Insurance Discount NameAllstate AvailabilityTravelers Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Good Credit
Good Student
Life Insurance
Low Mileage
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Occasional Operator
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Young Driver
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Allstate has one discount more than Travelers. Although you may not qualify for all discounts, you can bring down costly car insurance rates and secure coverage under a cost-efficient budget.

Bundling with Homeowners or Renters Insurance

What about Travelers vs. Allstate home insurance? In either case, whether you’re a homeowner or a renter, you save money on your auto insurance when bundling your policy with your homeowner’s or renter’s insurance. Bundling discounts vary, but you could save around 12 percent on auto insurance if you bundle policies.

Which company has the better financial strength and customer satisfaction ratings?

If you’re not sure if either company is right for you, check out the ratings from financial strength agencies and customer reviews. This will give you an idea of how a car insurance company manages money and satisfies customers.

Let’s look at the third-party ratings below and compare Allstate and Travelers’ ratings.

Allstate vs. Travelers Financial Strength and Credit Ratings
AgenciesAllstate RatingsTravelers Ratings
AM BestA+A++
NAIC Complaint Index0.410.32
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8890
Apple App Store (iOS)5 stars2 stars
Google Play Store (Android)4 stars4 stars
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A.M. Best, Moody’s, and S&P are known for measuring financial strength. Despite its market share, Travelers has a stronger financial outlook.

According to the NAIC Complaint Index, Allstate has less than average complaints, but Traveler insurance has few complaints. Under J.D. Power, both companies rank about average. However, Travelers has a better Consumer Reports rating.

When it comes to mobile apps, Allstate wins the battle for Apple iOS store ratings. However, Allstate and Travelers have the same score on Google Play Store.

If you want to use the mobile apps for either company, create an Allstate Insurance login or Travelers Insurance login. You must have a policy number to create a Travelers or Allstate login. You can file Allstate claims using the mobile app, which is convenient.

Travelers offers a similar claims service as well.

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Allstate vs. Travelers Auto Insurance: Pros and Cons

Ultimately, how do Allstate and Travelers compare? We can sum up the advantages and disadvantages of these two companies through pros and cons.

Comparing Allstate and Travelers Pros and Cons
Allstate ProsAllstate ConsTravelers ProsTravelers Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesSeveral auto insurance options to choose fromRideshare coverage is only available in Colorado and Illinois
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesModerate auto insurance ratesRanked last in the auto insurance market share
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phoneMarginal-rated repair service
Solid financial ratingsConsumer satisfaction ratings are below average
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Allstate may have more expensive rates, but it’s a more balanced company. Travelers car insurance is cheaper than Allstate, but it’s more costly than other companies, and it provides rideshare insurance in two states.

Allstate vs. Travelers Auto Insurance: The Bottom Line

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. The best way to know whether Allstate or Travelers is right for you is to compare the companies based on your personal information.

Now you know all about Allstate vs. Travelers, and while you think about what you’ve learned, see how much you could be saving on car insurance today. Enter your ZIP code in the free online quote tool to compare multiple companies in your area.

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