Allstate vs. Travelers: Best Auto Insurance for 2021
Allstate vs. Travelers stack up fairly evenly in terms of coverage options. Allstate earns $18.3 billion more than Travelers, but Travelers auto insurance is $37 cheaper on average, and it has a better A.M. Best rating. Allstate vs. Travelers auto insurance quotes will vary for you depending on your personal situation.
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UPDATED: Feb 22, 2021
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- 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.
Before you read more about Allstate vs. Travelers, 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.
|Summary||Allstate Auto Insurance Stats||Travelers Auto Insurance Stats|
|Headquarters||3075 Sanders Road Northbrook, IL 60062-7127||One Tower Square Hartford, CT 06183|
|Customer Service Phone Number||1-877-366-1607||1-800-842-5075|
|Mobile App||Allstate® Mobile|
Allstate Motor Club
|Direct Premiums||$23.8 Billion||$5.5 Billion|
|National Average Auto Insurance Rate||$407/month||$370/month|
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.
|States||Allstate Monthly Auto Insurance Rates||Travelers Monthly Auto Insurance Rates|
|Alaska||$262||Data Not Available|
|Colorado||$461||Data Not Available|
|District of Columbia||$539||Data Not Available|
|Florida||$620||Data Not Available|
|Georgia||$351||Data Not Available|
|Hawaii||$181||Data Not Available|
|Louisiana||$500||Data Not Available|
|Maryland||$436||Data Not Available|
|Minnesota||$378||Data Not Available|
|Missouri||$341||Data Not Available|
|Montana||$389||Data Not Available|
|North Dakota||$389||Data Not Available|
|Nebraska||$267||Data Not Available|
|New Hampshire||$227||Data Not Available|
|New Mexico||$350||Data Not Available|
|Oklahoma||$310||Data Not Available|
|South Carolina||$325||Data Not Available|
|South Dakota||$394||Data Not Available|
|Texas||$457||Data Not Available|
|Utah||$297||Data Not Available|
|Virginia||$282||Data Not Available|
|Vermont||$266||Data Not Available|
|Washington||$295||Data Not Available|
|West Virginia||$318||Data Not Available|
|Wisconsin||$405||Data Not Available|
|Wyoming||$364||Data Not Available|
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 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.
|Driving Record Summary||Allstate Monthly Auto Insurance Rates||Travelers 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 have less expensive car insurance rates, and Travelers auto insurance has the cheapest out of both companies.
Which is 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 score 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.
|Credit Score Summary||Allstate Monthly Auto Insurance Rates||Travelers 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 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 chances of filing a claim.
Here's how age, gender, and marital status affect Allstate and Travelers auto insurance rates per month.
|Age, Gender, and Marital Status||Allstate Monthly Auto Insurance Rates||Travelers 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|
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.
|Estimated Commute Mileage||Allstate Monthly Auto Insurance Rates||Travelers Monthly Auto Insurance Rates|
|10 Miles Commute (6,000 miles/yr)||$403||$367|
|25 Miles Commute (12,000 miles/yr)||$411||$372|
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.
|Vehicle Make and Model Year||Allstate Monthly Auto Insurance Rates||Travelers 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|
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 Auto Insurance Coverages||Travelers Auto Insurance Coverages|
|Collision coverage||Liability Coverage|
|Comprehensive coverage||Comprehensive Coverage|
|Bodily Injury Liability||Collision Coverage|
|Property Damage Liability||Personal Injury Protection|
|Uninsured & Underinsured Motorist Coverage||Uninsured & Underinsured Motorist Coverage|
|Rental Reimbursement Coverage||Medical Payments Coverage|
|Personal Umbrella Policy||Loan/Lease Gap Insurance|
|Personal Injury Protection||Rental Coverage|
|Sound System Insurance||Roadside Assistance|
|Roadside Assistance||New Car Replacement|
|Classic Car Insurance||Accident Forgiveness|
|Travel Car Insurance to Mexico||Ride Sharing|
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 various insurance products they provide. Check out the collection of services you can add to your Allstate or Travelers auto insurance policies.
|Insurance Products||Allstate Availability||Travelers Availability|
|Affinity Car & Home Program||✘||✔|
|Commercial Auto and Trucking||✔||✔|
|Energy & Renewable Insurance||✘||✔|
|Jewelry and Valuable Items Coverage||✔||✔|
|Management & Professional Liability||✔||✔|
|Premiums Business Audit||✘||✔|
|Risk Control Services||✘||✔|
|Risk Management Information Services||✘||✔|
|Roadside Assistance Coverage||✔||✔|
|Small Business Owner’s Policy||✔||✔|
|Wedding & Events Insurance||✔||✔|
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.
|Auto Insurance Discount Name||Allstate Availability||Travelers Availability|
|Adaptive Cruise Control||✘||✘|
|Daytime Running Lights||✔||✔|
|Electronic Stability Control||✔||✘|
|Lane Departure Warning||✘||✘|
|Forward Collision Warning||✘||✘|
|New Customer/New Plan||✘||✘|
|Seat Belt Use||✘||✘|
|Students & Alumni||✘||✘|
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
Whether you're a homeowner or a renter, you save money on your auto insurance when bundling your policy with your homeowners or renters 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.
|Agencies||Allstate Ratings||Travelers Ratings|
|NAIC Complaint Index||0.41||0.32|
|J.D. Power - Power Circle Ratings||About Average||About Average|
|Apple App Store (iOS)||5 stars||2 stars|
|Google Play Store (Android)||4 stars||4 stars|
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.
|Allstate Pros||Allstate Cons||Travelers Pros||Travelers Cons|
|Lots of discounts that are easy to qualify for||Above average pricing in most states||Several auto insurance options to choose from||Rideshare coverage is only available in Colorado and Illinois|
|Cutting edge programs like pay-per-mile and rideshare coverage||Not all programs are offered in all states||Moderate auto insurance rates||Ranked last in the auto insurance market share|
|Local agent service plus easy web and mobile access||Online quoting will lead to agent solicitation by phone||Marginal-rated repair service|
|Solid financial ratings||Consumer satisfaction ratings are below average|
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.