AAA vs. Travelers Car Insurance [2021]

AAA and Travelers are excellent car insurance companies, but Travelers has a better A.M. Best rating. Travelers car insurance is $182/mo, but AAA car insurance is $20 cheaper on average. AAA car insurance requires that you pay an annual AAA membership fee, which could negate your savings. To find out which is actually cheaper for you, you'll need to AAA vs. Travelers car insurance quotes and factor in the membership fee.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 13, 2021

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Here's what you need to know...

  • Travelers insurance is one of the top car insurance companies in the United States
  • On average, Travelers car insurance is $20 more expensive than AAA car insurance
  • AAA car insurance doesn’t have the market share Travelers has, but AAA roadside assistance is better than that offered by most insurance companies

Deciding between AAA and Travelers car insurance is like choosing products from a regional retailer or a national retailer. Before you decide whether to buy AAA vs. Travelers car insurance, you should compare both companies carefully.

Don’t worry – we’re here to help. This car insurance guide explains how to compare AAA vs. Travelers car insurance quotes, discounts, insurance products, and third-party ratings.

Continue reading to learn more about AAA vs. Travelers car insurance. You can start car insurance shopping by entering your ZIP code in the free comparison tool above.

AAA vs. Travelers Car Insurance: Which company has cheaper car insurance rates?

Although the AAA auto insurance market share is smaller than Travelers, the average monthly auto insurance at AAA insurance is cheaper at $162 per month. Travelers auto insurance averages $182 per month, $20 more.

Individual AAA vs. Travelers car insurance rates will vary. A lot of factors go into whether affordable AAA vs. Travelers car insurance is available to you. Factors that will affect your rates with any insurance company include:

  • Age
  • Credit History
  • Commute Mileage
  • Coverage Level
  • Driving Record
  • Gender (outlawed in some states)
  • Location
  • Marital Status

Travelers insurance rates are usually more expensive, but you can use discounts to get a better deal. Depending on the discounts you use, Travelers rates may drop below AAA. Some discounts are automated, but many require you to do a little work. It’s also worth noting that to get AAA car insurance you will need to be a member, and there is an annual membership fee.

Continue reading to learn more about AAA vs. Travelers auto insurance discounts.

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Does AAA have more car insurance discounts than Travelers?

AAA car insurance discounts are listed on the company website, along with other deals you can use on everyday spending as an AAA member. Travelers car insurance has opportunities to save on your insurance premiums too. Travelers insurance policies are more established because simply put, Travelers has been in the auto insurance industry for longer. That said, AAA has many years in roadside assistance for drivers. So they’ve had a chance to build relationships with insurance partners that allow them to operate effectively in certain states.

AAA has tremendous flexibility when it comes to saving money. Let’s compare Travelers auto insurance discounts to AAA’s discounts.

AAA vs. Travelers Car Insurance Discounts
Discount NameAAA AvailabilityTravelers Availability
Anti-theft Device discountYesYes
Bundling discountYesYes
Homeowner discountYes, up to 37%Yes, up to 5%
Military discountNoNo
Multi-Car discountYes, up 27%Yes, up to 8%
Paid in Full discountYesYes
Safety Device discountYesYes, up to 10%
Safe Driver discountYes, up to 20%Yes, up to 8%
Special Employment discountNoNo
Student discountYes, up to 14%Yes, 8%
Usage-Based discountNoNo
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Although Travelers insurance has a more substantial car insurance program, AAA insurance has more considerable savings when discounts are combined. Keep in mind, you may not qualify for all available discounts. So it’s best to compare your unique quotes with each carrier and see if you’re eligible for both AAA and Travelers insurance policies. If you want to bundle homeowners insurance with auto insurance, think about comparing Travelers vs. AAA home insurance.

If you want to learn more about AAA and Travelers, read our AAA car insurance review and Travelers car insurance review.

What other insurance products can you bundle with AAA and Travelers car insurance?

Although Travelers is an insurance company with a significantly larger car insurance market share than AAA, it doesn’t have a life insurance program. Besides life insurance, Travelers and AAA have the same number of insurance options, which include:

  • Boat Insurance
  • Condo Insurance
  • Homeowners Insurance
  • Renters Insurance

If you need more than a car insurance policy, you have an opportunity to bundle with both companies. AAA’s life insurance options have become increasingly competitive. Both companies offer stable auto insurance policies.

Is AAA or Travelers car insurance better for you?

Travelers may have other insurance products, but their car insurance program is more substantial than that of AAA. Let’s take a look at what each company provides for customers.

Below is a list of the car insurance coverages available from each of these companies.

AAA vs. Travelers Car Insurance Coverage Options
AAA Coverage OptionsTravelers Coverage Options
Liability CoverageLiability Coverage
Comprehensive CoverageComprehensive Coverage
CollisionCollision Coverage
Medical Payments (MedPay)Personal Injury Protection
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
SR-22 InsuranceMedical Payments Coverage
Accident ForgivenessLoan/Lease Gap Insurance
New Car ProtectionRental Coverage
Roadside Assistance (included in membership)Roadside Assistance (optional)
New Car Replacement
Accident Forgiveness
Ride Sharing
Umbrella Insurance
SR-22 Insurance
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If you want a more flexible car insurance policy, Travelers may be a better choice. You may also get better discounts when combining an auto policy with AAA travel or home insurance. AAA continues to shine in many ways with additional benefits if you’re looking for more robust roadside service from insurance providers.

AAA roadside assistance is known for its customer feedback and reliable service. Compare Travelers roadside assistance vs. AAA roadside assistance to see which has a more robust program.

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AAA vs. Travelers: Which car insurance company has better financial strength ratings and customer reviews?

According to A.M. Best, Travelers has a slightly higher grade than AAA in the car insurance industry.

Travelers car insurance has an “A++,” but AAA has an “A+.” Both grades are superior ratings, but Travelers auto insurance shows better financial stability and low-credit risk.

When it comes to auto claims satisfaction, Travelers and AAA are neck and neck. J.D. Power’s auto claims study rates AAA and Travelers as two car insurance companies with below-average customer satisfaction scores.

Travelers and AAA have mobile apps you can download from Google Play Store and Apple App Store. AAA has a better rating under Android devices, but Travelers has a better star rating under Apple iOS devices.

Learning more about consumer complaint data and other third-party ratings can reassure you that you’re getting the service you want.

Even if you have a policy, double-check the company’s standings before renewing your policy.

AAA vs. Travelers Car Insurance: What’s the bottom line?

Travelers car insurance is more expensive, but it provides more options. If you want straightforward and cheaper coverage, AAA may be a better choice for you, but bear in mind you will have to pay a membership fee that could negate the savings. Ultimately, the best choice is the company that works best for you.

Hopefully, we have helped you decide whether to buy AAA vs. Travelers car insurance. To compare car insurance rates right now, use our free online quote tool below for free quotes from top companies.

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