Nationwide vs. Travelers: Best Auto Insurance for 2021

Nationwide and Travelers are great insurance companies. Travelers insurance has better ratings, but Nationwide auto insurance is cheaper. However, comparing Nationwide vs. Travelers auto insurance rates requires looking at various factors. To secure affordable Nationwide vs. Travelers car insurance quotes, you'll need to have a clean driver record and a good credit score.

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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 Cinncinati.com. ...

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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

UPDATED: May 3, 2021

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Can't-Miss Facts

  • On average, Nationwide insurance is cheaper than Travelers insurance.
  • Travelers has 28 discounts, while Nationwide has 35 discounts.
  • Nationwide vs. Travelers auto insurance rates will depend on several personal factors like age and gender.

You’ve narrowed down your auto insurance shopping to Nationwide vs. Travelers, but you’re not sure about the cost. Don’t worry — we’re here to help.

Read through this guide to learn more about Nationwide vs. Travelers auto insurance rates, what factors determine their cost, and how you can save.

Before we dive into Nationwide vs. Travelers auto insurance, use our free comparison tool to locate the best companies in your area.

Nationwide vs. Travelers Auto Insurance: Which company is cheapest?

Nationwide auto insurance rates are $288 per month on average, and Travelers auto insurance rates are $370 per month.

However, car insurance rates vary at both companies based on where you live and what vehicle you drive.

If you want an in-depth look into Nationwide and Travelers, read our Nationwide auto insurance review and Travelers insurance review for more details.

Nationwide vs. Travelers Auto Insurance: Which company is cheapest by state?

Your address can determine the cost of car insurance. In the chart below, we’ve organized the average price of monthly auto insurance by state with these two companies.

Nationwide vs. Travelers Average Monthly Auto Insurance Rates by State
StateNationwide Average Monthly RatesTravelers Average Monthly Rates
AlaskaData Not AvailableData Not Available
Alabama$222$308
Arkansas$322$498
Arizona$291$257
California$388$279
Colorado$312Data Not Available
Connecticut$306$500
District of Columbia$404Data Not Available
Delaware$361$349
Florida$362Data Not Available
Georgia$540Data Not Available
Hawaii$213Data Not Available
Iowa$228$452
Idaho$253$269
Illinois$226$208
IndianaData Not Available$283
Kansas$206$362
Kentucky$459$546
LouisianaData Not AvailableData Not Available
MaineData Not Available$188
Maryland$243Data Not Available
MassachusettsData Not Available$295
Michigan$527$731
Minnesota$244Data Not Available
Missouri$189Data Not Available
Mississippi$230$311
Montana$290Data Not Available
North Carolina$237$261
North Dakota$213Data Not Available
Nebraska$217Data Not Available
New Hampshire$208Data Not Available
New JerseyData Not Available$355
New Mexico$293Data Not Available
Nevada$290$447
New York$334$382
Ohio$275$261
OklahomaData Not AvailableData Not Available
Oregon$265$241
Pennsylvania$233$654
Rhode Island$367$576
South Carolina$302Data Not Available
South Dakota$228Data Not Available
Tennessee$285$228
Texas$322Data Not Available
Utah$249Data Not Available
Virginia$173Data Not Available
Vermont$177Data Not Available
Washington$177Data Not Available
West VirginiaData Not AvailableData Not Available
Wisconsin$435Data Not Available
Wyoming$266Data Not Available
*National Average$288$370
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See how much car insurance rates vary by state? States like Louisiana and Michigan have expensive rates, while states like Kansas and Washington are much cheaper.

The best way to secure affordable auto insurance rates is to compare Nationwide vs. Travelers auto insurance rates with quotes you receive from other companies in your home town.

Nationwide vs. Travelers Auto Insurance: Which company is cheapest by vehicle make and model year?

Another factor that determines auto insurance cost is your vehicle. Most companies calculate your car insurance premium by your vehicle’s make and model.

Let’s see how Nationwide and Travelers set rates for auto insurance coverage by vehicle.

Nationwide vs. Travelers Average Monthly Auto Insurance Rates by Vehicle Make and Model Year
Vehicle Make and Model YearNationwide Average Monthly RatesTravelers Average Monthly Rates
2018 Toyota RAV4: XLE$277$392
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$280$388
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$281$368
2015 Toyota RAV4: XLE$293$365
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$296$368
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$298$335
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The newer vehicles generate cheaper rates. But why is that? New cars have safety features and anti-theft systems, making them less likely to be involved in expensive claims.

Overall, Nationwide car insurance rates are cheaper than Travelers rates.

Car insurance providers give special discounts to customers with vehicles that have specific features that make driving safer.

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Nationwide vs. Travelers Auto Insurance Discounts

If you’re considering full coverage, roadside assistance, and other auto insurance coverages, it’s essential to look into what discounts can be applied to your policy.

But which company has more discounts? Let’s compare deals at Nationwide and Travelers to see which company has more bargains.

Comparing Nationwide vs. Travelers Discounts
DiscountsNationwide AvailabilityTravelers Availability
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehicle
Vehicle Recoveryxx
VIN Etchingxx
Lane Departure Warningx
Newer Vehiclexx
Green Vehiclex
Forward Collision Warningx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentxx
Driver's Edx
Driving Device/Appxx
Early Signingxx
Emergency Deployment
Engaged Couple
Family Legacy
Family Planx
Farm Vehicle
Fast 5
Federal Employee
Full Paymentx
Further Educationxx
Garaging/Storingx
Good Creditx
Good Studentxx
Homeownerxx
Life Insurancex
Low Mileagexx
Loyaltyx
Marriedx
Membership/Groupxx
Military
Military Garaging
Multiple Drivers
Multiple Policiesxx
Multiple Vehiclesxx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupationxx
On Time Paymentsx
Online Shopper
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retirees
Renter
Roadside Assistance
Safe Driverxx
Seat Belt Use
Senior Driver
Stable Residencex
Students & Alumnix
Switching Provider
Volunteer
Young Driver
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Nationwide has seven more discounts than Travelers Insurance. However, most customers don’t qualify for all discounts.

To secure the best deals, customers must have a clean driving record and a good credit score.

According to Experian, auto insurance companies give special discounts to policyholders who maintain good credit because they’re less likely to file a claim.

Nationwide vs. Travelers Auto Insurance: How does homeownership affect auto insurance?

Did you know that bundling other insurance products to your auto insurance policy can save you about 12% on your bill?

If you own a home or rent a property, you can bundle homeowners or renters insurance with your auto insurance.

Nationwide vs. Travelers Financial Strength Ratings

Before you make a choice on Nationwide vs. Travelers auto insurance, you should explore what the rating agencies say about each company.

We’ve collected data from the top rating agencies in the United States. Let’s explore Nationwide and Travelers’ overall ratings.

Comparing Nationwide vs. Travelers Ratings
AgenciesNationwide RatingsTravelers Ratings
AM BestA+A++
Moody'sA1Aa2
S&PA+AA
NAIC Complaint Index1.450.32
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8890
Apple App Store (iOS)2 stars2 stars
Google Play Store (Android)3 stars4 stars
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Nationwide is best if you look at the monthly premiums, but Travelers is best in terms of ratings. Travelers Insurance has better consumer complaint data. The volume of complaints Nationwide receives is well over the national average.

However, under the U.S. Auto Insurance Shopping Study and the Auto Insurance Claims Satisfaction Study, Nationwide performed better.

A.M. Best rates Travelers over Nationwide, meaning the company has a strong financial future.

Nationwide vs. Travelers: What’s the bottom line?

The pros and cons of Nationwide vs. Travelers car insurance come down to cost and coverage.

Nationwide has more opportunities for you to save money, but Travelers is better at customer service and better at managing money according to A.M. Best. The best company for you would be the one that meets your needs.

Now that you know a little more about Nationwide vs. Travelers auto insurance, try entering your ZIP code in the free online quote tool below to compare multiple companies near you.

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