Ameriprise vs. Travelers Car Insurance [2021]

Ameriprise vs. Travelers car insurance rates have a difference of about $10 a month or $120 a year. Travelers is offered in 48 states whereas Ameriprise is offered in 17 states. Both Ameriprise and Travelers Insurance offer several discount programs applicants can qualify for in addition to coverage options. Both car insurance companies boast above-average claim sat isfaction from an accredited source.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Aug 25, 2021

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Here's what you need to know...

  • Ameriprise car insurance is offered in 17 states and Travelers car insurance is offered in 48 states
  • On average, you’ll save an average of $120 more a year with Travelers car insurance versus Ameriprise
  • Both Ameriprise and Travelers car insurance offer over 10 competitive discount options
  • Ameriprise has an average customer rating of 2.5 and Travelers has an average customer rating of 4.0.  

There’s more than one car insurance provider and no one car insurance is the same. Learn more about understanding your car insurance policy here. With all the different car insurance options that are out there, this article will compare Ameriprise and Travelers.

Choosing the most affordable Ameriprise or Travelers car insurance for you can be difficult due to all the options. We hope to help you improve your understanding of these two companies and make your decision between Ameriprise vs. Travelers car insurance a little easier.

The remainder of this article will cover which states offer Ameriprise and Travelers car insurance as well as the rates, coverage, discounts, and customer reviews for both companies. Type your ZIP code into the free tool above and discover car insurance quotes in your area.

Where are Ameriprise and Travelers car insurance offered?

For the past 30 years, Ameriprise has relied on Connect to achieve its car insurance rates for clients. From Ameriprise headquarters in Minneapolis, Minnesota, the company services a handful of states with car insurance.

Travelers Insurance, which is headquartered in New York City is offered now in most states and various international countries.

As seen in the table below, Ameriprise is primarily offered in the West and Midwestern states whereas Travelers can be found in all 48 continental states.

State Ameriprise Travelers
Alabama X
Alaska
Arizona XX
Arkansas X
California X
Colorado XX
ConnecticutX
DelawareX
FloridaX
Georgia X
Hawaii
Idaho XX
Illinois XX
Indiana XX
IowaXX
Kansas XX
Kentucky X
Louisiana X
MaineX
Maryland X
Massachusetts X
Michigan X
Minnesota XX
Mississippi X
Missouri XX
Montana X
NebraskaXX
NevadaXX
New HampshireX
New Jersey X
New Mexico X
New York X
North CarolinaX
North DakotaXX
Ohio XX
OklahomaX
Oregon XX
Pennsylvania X
Rhode Island X
South Carolina X
South Dakota XX
Tennessee X
TexasX
Utah XX
Vermont X
Virginia X
Washington X
West Virginia X
Wisconsin XX
Wyoming X
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Depending on where you reside in the United States, you’re more likely to find Travelers car insurance over Ameriprise.

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Which car insurance company has better rates, Ameriprise or Travelers?

Let’s take a look at how Ameriprise and Travelers stack up among competitors for an average annual and monthly car insurance rate.

CompanyAnnual RateMonthly Rate
Allstate$2,381$199
Ameriprise$1,585$132
Farmers$1,830$153
GEICO $1,268$106
Nationwide$1,502$125
Progressive$1,562$130
State Farm$1,491$124
Travelers$1,464$122
USAA$1,169$98
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Based on the above information, you can see that monthly you’ll save about $10 more with Travelers insurance which totals to about $120 annually over Ameriprise.

Both Ameriprise and Travelers received an “A” ranking from the BBB and rankings over 850 from J.D. Power.

As the table below displays, both car insurance companies are reported as average in claim satisfaction, above average in shopping satisfaction, and below average in customer complaints.

Company RankingInsurance Company TypeClaim SatisfactionShopping SatisfactionComplaints Reported to NAIC
Ameriprise899MidsizeAverageAbove AverageBelow Average
Travelers860LargeAverageAbove AverageBelow Average
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All in all, it’s not too much difference between the two companies. Making a decision between the two may come down to other factors.

Which car insurance company has the best coverage, Ameriprise or Travelers?

Ameriprise and Travelers car insurance both offer policies for liability, uninsured/underinsured motorist, collision, comprehensive, and umbrella insurance. Other coverage options included under Travelers include:

  • GAP Coverage
  • Rental coverage
  • Rideshare coverage
  • Non named owner coverage
  • Roadside assistance
  • New car replacement
  • Accident forgiveness.

In contrast, Ameriprise offers only property damage coverage as an additional option.

Which car insurance company has the best discounts, Ameriprise or Travelers?

Now that you know what each company can offer in terms of coverage, it’s time to take a look at their discounts.

Discount TypeAmeripriseTravelers
Multi Policy XX
Multi CarXX
Home OwnershipX
Good/Safe DriverX*X
Continuous/Tenure InsuranceXX
Hybrid/Electric CarX
New CarX
EFT, Pay in Full and Good PayerX
Early QuoteX
Good StudentXX
Student Away at SchoolXX
Driver Training X
Defensive TrainingX
Vehicle SafetyX
Garaging X
EducationX
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*Only offered in California

Learn more about how driver habits affect car insurance discounts and rates through this study conducted by the Insurance Information Institute. You can also view collision statistics from 2019 to 2020 through the Inrix Scorecard to compare how averages rates have shifted.

When you put together the types of coverage offered through each company as well as what types of discounts they offer, you may conclude that Travelers provides a few more options than Ameriprise.

These additional coverage options and discounts allow for a better rate when it’s time to buy Ameriprise or Travelers car insurance.

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Which car insurance company receives the best customer reviews, Ameriprise or Travelers?

Both Ameriprise and Travelers Insurance have mixed customer reviews. Ameriprise received an average score of 2.5 and Travelers received and average score or 4.0.

According to customers, Ameriprise has outdated policies, more expensive rates, and unsatisfactory customer service.

Ameriprise customer support is offered by phone and via the policy login where customers can make basic changes such as banking information and view information like ID cards.

Although Travelers has its own unsatisfied customers, the company seems to provide lower rates, though add-ons can get more expensive, and several policy options giving customers more to choose from in terms of what coverage best fits their lifestyle.

Travelers customer support is offered by phone and via the Travelers Insurance login where customers can find support options immediately.

Which car insurance company is best overall, Ameriprise or Travelers?

Overall, Travelers appears to be the better car insurance option. Travelers is offered in more states. Customers tend to save an average of $10 a month or $120 a year with Travelers versus Ameriprise. Travelers also appeals to more individuals through the company’s services and offerings.

Both Ameriprise and Travelers offer much of the same coverage and features but it’s what Travelers does offer that Ameriprise does not that sets them a part in this comparison.

Choosing the right car insurance is hard and you want to ensure you have all the information like the average car insurance rates by age and gender.

Ameriprise or Travelers may be the best choice for you. You can compare car insurance rates from the top car insurance companies in your area by entering your ZIP code in the free quote box below.

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