Allstate vs. Travelers Auto Insurance (2021)

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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 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.