Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2021

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The Lowdown

  • On average, Travelers auto insurance monthly rates are $37 cheaper than Allstate.
  • Travelers offers more coverage options, but Allstate has a bigger market share and earns $18.3 billion more per year.
  • You can bundle other insurance products to lower auto insurance rates with both companies

You’ve narrowed your auto insurance shopping options down to Allstate and Travelers, but you need more information about both companies before you make your final decision.

Our Allstate vs. Travelers auto insurance guide explains everything you need to know about Allstate vs. Travelers auto insurance quotes. We’ll also cover auto insurance coverages, insurance products, third-party ratings, and other highlights.

Comparing auto insurance companies is important, so don’t stop at Allstate vs. Travelers auto insurance. Use our free comparison tool to compare rates from the best companies in your area.

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 auto insurance rates are less expensive than Allstate car insurance rates.

Before we go into the factors that determine car insurance rates at both companies, let’s look at an Allstate and Travelers summary.

Allstate vs. Travelers Summary
SummaryAllstate Auto Insurance StatsTravelers Auto Insurance Stats
Year Founded19311853
Headquarters3075 Sanders Road Northbrook, IL 60062-7127One Tower Square Hartford, CT 06183
Customer Service Phone Number1-877-366-16071-800-842-5075
Websitehttps://www.allstate.com/https://www.travelers.com/
Mobile AppAllstate® Mobile
Allstate Motor Club
Travelers Mobile
YourTravelers
Direct Premiums$23.8 Billion$5.5 Billion
Market Share9%2%
National Average Auto Insurance Rate$407/month$370/month
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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 state?

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.

People living in rural areas have a lower chance of filing claims. So generally speaking, states with more rural areas have cheaper rates.

Let’s compare Allstate quotes vs. Travelers quotes by state.

Allstate vs. Travelers Auto Insurance Rates by State
StatesAllstate Average Monthly Auto Insurance RatesTravelers Average Monthly Auto Insurance Rates
Alaska$262Data Not Available
Alabama$276$308
Arkansas$429$498
Arizona$409$257
California$378$279
Colorado$461Data Not Available
Connecticut$486$500
District of Columbia$539Data Not Available
Delaware$526$349
Florida$620Data Not Available
Georgia$351Data Not Available
Hawaii$181Data Not Available
Iowa$247$452
Idaho$341$269
Illinois$434$208
Indiana$332$283
Kansas$334$362
Kentucky$595$546
Louisiana$500Data Not Available
Maine$306$188
Maryland$436Data Not Available
Massachusetts$226$295
Michigan$1,909$731
Minnesota$378Data Not Available
Missouri$341Data Not Available
Mississippi$412$311
Montana$389Data Not Available
North Carolina$599$261
North Dakota$389Data Not Available
Nebraska$267Data Not Available
New Hampshire$227Data Not Available
New Jersey$476$355
New Mexico$350Data Not Available
Nevada$448$447
New York$395$382
Ohio$266$261
Oklahoma$310Data Not Available
Oregon$397$241
Pennsylvania$332$654
Rhode Island$413$576
South Carolina$325Data Not Available
South Dakota$394Data Not Available
Tennessee$402$228
Texas$457Data Not Available
Utah$297Data Not Available
Virginia$282Data Not Available
Vermont$266Data Not Available
Washington$295Data Not Available
West Virginia$318Data Not Available
Wisconsin$405Data Not Available
Wyoming$364Data Not Available
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Although Travelers auto insurance is more affordable overall, Allstate covers the entire United States. According to the Travelers website, you can only find Travelers auto insurance in 43 states.

Which is cheapest by driving record?

You can secure cheap auto 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, or other traffic violations.

How do Allstate and Travelers calculate auto insurance based on driving records? Let’s examine the sample rates.

Allstate vs. Travelers Auto Insurance Rates by Driving Record
Driving Record SummaryAllstate Average Monthly Auto Insurance RatesTravelers Average 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
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Clean driving records come with less expensive auto insurance rates, and Travelers auto insurance has the cheapest between these two 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 with risk — 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 people with different credit scores? Take a look at the numbers below.

Allstate vs. Travelers Auto Insurance Rates by Credit Score
Credit Score SummaryAllstate Average Monthly Auto Insurance RatesTravelers Average Monthly Auto Insurance Rates
Good Credit (670-739)
$322$338
Fair Credit Score (580-669)
$382$362
Poor Credit Score (300-579)
$541$430
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Once again, Allstate is the more expensive company. Travelers provides more affordable auto insurance and lower 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 your 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.

Allstate vs. Travelers Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Auto Insurance RatesTravelers Average 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
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Married drivers over the age of 34 will pay the least on auto insurance premiums. Drivers under the age of 25 pay the most because their limited experience puts them at a higher risk of filing a claim.

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 agent 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 auto insurance based on commute mileage.

Allstate vs. Travelers Auto Insurance Rates by Commute
Estimated Commute MileageAllstate Average Monthly Auto Insurance RatesTravelers Average Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$367
25 Miles Commute (12,000 miles/yr)$411$372
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Traveling more per year isn’t as expensive as you might think. 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. Auto 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 for Allstate and Travelers car insurance based on Ford, Honda, and Toyota models.

Allstate vs. Travelers Auto Insurance Rates by Vehicle
Vehicle Make and Model YearAllstate Average Monthly Auto Insurance RatesTravelers Average 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
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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: 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 both offer several discounts you can use. But which company provides more deals? Let’s compare Allstate and Travelers discounts below.

Allstate vs. Travelers Auto Insurance Discounts
Auto Insurance Discount NameAllstate AvailabilityTravelers Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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Allstate has one more discount than Travelers. Although you may not qualify for all discounts, some of these should help you bring down your car insurance rates and secure coverage with a tight 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 renters or home insurance. Bundling discounts vary, but you could save around 12% 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.

Allstate vs. Travelers Insurance Company Ratings
AgenciesAllstate RatingsTravelers Ratings
AM BestA+A++
Moody'sA3Aa2
S&PAA-AA
NAIC Complaint Index0.410.32
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8890
Apple App Store (iOS)5 stars2 stars
Google Play Store (Android)4 stars4 stars
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A.M. Best, Moody’s, and S&P are known for measuring financial strength. Despite its market share, Travelers has a stronger financial outlook.

The lower a company’s score on the NAIC Complaint Index, the better. A score below one means a company has fewer than average complaints.  Allstate’s score is very good, but Travelers has just edged them out.

Under J.D. Power, both companies rank about average. However, Travelers has a better Consumer Reports rating.

Which company has the better mobile app ratings?

When it comes to mobile apps, Allstate wins the battle for Apple iOS store ratings. However, Allstate and Travelers have the same score on the Google Play Store.

If you want to use the mobile app 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 with your My Allstate account.

Travelers offers a similar claims service as well.

Allstate vs. Travelers Auto Insurance: Which company has more coverage options?

Now that you know more about auto 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, you’ll want to consider your options.

Allstate vs. Travelers Auto Insurance Coverages
Allstate Auto Insurance CoveragesTravelers Auto Insurance Coverages
Collision coverageLiability Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityCollision Coverage
Property Damage LiabilityPersonal Injury Protection
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageMedical Payments Coverage
Personal Umbrella PolicyLoan/Lease Gap Insurance
Personal Injury ProtectionRental Coverage
Sound System InsuranceRoadside Assistance
Roadside AssistanceNew Car Replacement
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to MexicoRide Sharing
Umbrella Insurance
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Travelers offers more coverage options, but it doesn’t offer coverage when traveling to Mexico like Allstate. Each company has something unique that sets it apart from the competition.

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Allstate vs. Travelers Auto Insurance: The Bottom Line

So, how do Allstate and Travelers compare? Let’s look at the pros and cons.

Allstate vs. Travelers Auto Insurance Pros and Cons
Allstate ProsAllstate ConsTravelers ProsTravelers Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesSeveral auto insurance options to choose fromRideshare coverage is only available in Colorado and Illinois
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesModerate auto insurance ratesRanked last in the auto insurance market share
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phoneMarginal-rated repair service
Solid financial ratingsConsumer satisfaction ratings are below average
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Allstate may have more expensive rates, but it’s a more balanced company. Travelers car insurance is cheaper than Allstate but it has a smaller market share and its repair service may be unreliable.

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.

Now you know all about Allstate vs. Travelers auto insurance, the best way to know which company is right for you is to compare insurance quotes from local providers. Enter your ZIP code in the free online quote tool to compare multiple companies in your area.