Travelers vs. USAA Car Insurance [2021]

Our Travelers vs. USAA car insurance guide will help you decide between two great companies based on age, driving record, and credit score. But, there is a catch — USAA car insurance is available only to active and retired military and their family members. However, Travelers offers competitive discounts. Continue reading to decide for yourself which company is the best choice.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Feb 5, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know

  • USAA car insurance is available only to active and retired military and their family members.
  • USAA’s rates will always be 20 to 30 percent cheaper than that of other car insurance companies.
  • Travelers offers a higher discount for using their driving app than USAA.
  • Travelers doesn’t have a military or garaging discount.

Both Travelers and USAA are good choices, but what is USAA? Is there a catch? Yes. A car insurance policy with this company is available to only active and retired military and their family members.

In our Travelers vs. USAA car insurance guide, we examine rates by your specific demographics: age, gender, marital status, driving record, and credit score. We also compare discounts offered by both companies and ratings from credible agencies that rate all of the best auto insurance companies.

Keep reading to compare Travelers auto insurance and USAA auto insurance, or enter your ZIP code to start comparing multiple companies in your local area.

Is Travelers car insurance or USAA car insurance cheaper based on age?

The more we drive in a variety of situations and the longer we drive, the safer and more aware we become when behind the wheel. For this reason, car insurance companies use age as one of the most influential factors in quoting your car insurance rates.

In most states, it’s legal to base car insurance rates on marital status and gender; however, some have banned it. Let’s compare Travelers and USAA insurance rates based on age, gender, and marital status.

[table “6501” not found /]

Compare RatesStart Now →

Generally, expect USAA rates to be about 25 to 30 percent cheaper than most other car insurance companies.

Car insurance for teen drivers will always be high. Why? because they have limited time behind the wheel and their brains are not developed enough to make the best decisions.

With that said, Traveler’s rates for teens is about 80 percent higher than their rates for the other age groups. USAA’s rates for teen drivers are only 35 percent higher than the rates for drivers in other age groups.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Is Travelers car insurance or USAA car insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick because you become a higher risk driver.

[table “6500” not found /]

Compare RatesStart Now →

When it comes to rates by driving record, USAA’s rates are about half the amount of Travelers’ rates.

However, USAA takes accidents and DUI’s much more seriously. Rates with USAA will increase 30 to 81 percent if you are in an accident or get a DUI while carrying a policy.

Rates with Travelers will increase 24 to 67 percent if you are in an accident or get a DUI while carrying a policy.

Is Travelers car insurance or USAA car insurance cheaper based on credit score?

If you experience some type of financial trauma such as medical debt or going through a divorce, a good credit score can drop in a matter of months.

In most states it’s legal for car insurance companies to factor in your credit score when determining your rates; however, some are banning this along with factoring in gender and marital status.

Based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file a claim, car insurance companies justify using your credit score to determine your rates.

Let’s take a look at how Travelers and USAA address rates for drivers with varying credit scores.

[table “6499” not found /]

Compare RatesStart Now →

Again, USAA will always have cheaper rates than other car insurance companies.

Rates with Travelers will increase 7 to 27 percent if your credit score drops significantly while carrying a policy.

Rates with USAA will more than double if your credit score drops significantly while carrying a policy.

Before you choose Travelers or USAA, read about car insurance laws in your state and examine rates from a variety of companies by reading your state car insurance guide

It may be that basing car insurance rates on gender, marital status, and/or credit score has been outlawed in your state.

Does Travelers or USAA have better car insurance discounts?

A car insurance company often determines discounts based on their philosophy and values. Therefore, if you have a bad driving record or low credit score, getting good discounts will offset your high rates.

Travelers has more discounts than USAA, and some of them are interesting. Travelers has 17 discounts and USAA has 13 discounts.

[table “6498” not found /]

Compare RatesStart Now →

Travelers offers discounts of 15 to 23 percent for having continuous coverage, making on-time payments, being claim-free, being a safe driver, or using their driving device or app.

To note, Travelers offers a 30 percent discount for using their driving app or driving device while USAA offers only a 5 percent discount.

USAA may offer fewer discounts, but the ones that they do offer are pretty good. You can save 10 to 12 percent by being a family legacy, signing early, driving a newer vehicle, being claim-free, and being a safe driver.

And, if you are an active military member, and you get deployed, you will get a 90 percent discount for garaging your vehicle while you are away.

Our records show that Travelers doesn’t have a military or garaging discount, but it still pays to get a quote because car insurance companies are offering new discounts daily to compete with other companies.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Does Travelers or USAA have better car insurance mobile apps?

Usage-based car insurance has become a hot trend in the car insurance industry in the last decade or so, and all of the larger car insurance companies have a driving app that uses your mobile phone or a device installed into your vehicle.

Large car insurance companies also provide a more general app to enable you to pay your bill, make changes to your coverage levels, and use it for electronic verification of insurance in states that permit it.

Read about Travelers’ IntelliDrive and USAA’s SafePilot usage-based car insurance apps in our Travelers company review and our USAA company review.

How does Travelers and USAA car insurance compare in financial strength and customer satisfaction?

Purchasing car insurance is an important financial responsibility, so you want to make sure you’re selecting the appropriate company that will be there for you when you need it most.

A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be reviewed prior to making your decision.

The following three agencies provide insight into these factors:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

[table “6527” not found /]

Compare RatesStart Now →

Both USAA and Travelers have the highest possible rating from A.M. Best.

However, Travelers has a smaller customer complaint ratio. Before eliminating USAA entirely, be sure to find more details on the NAIC website.

When you’re unsure which company to choose, you can always use our free comparison tool to compare Travelers vs. USAA car insurance to other companies in your area.

Leave a Reply

Sending

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State