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 26, 2022

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The Lowdown

  • GEICO has lower monthly rates than Travelers
  • Travelers offers more roadside assistance options than GEICO
  • The companies are both rated A++ by A.M. Best

GEICO and Travelers offer auto insurance, homeowners, renters, and a variety of other policies to customers throughout the United States. Geico even partners with a company that offers pet insurance. Comparing the two companies shows that GEICO generally offers lower monthly rates and has better financial ratings. Travelers has a long history in the American insurance market, and it continues to serve customers through a network of independent agents. Examining GEICO vs. Travelers auto insurance specifics will help you find the right fit for you.

What kind of auto insurance rates can you expect with Geico and Travelers?

Comparing affordable GEICO vs. Travelers auto insurance rates is a common way of deciding between the two companies. The following chart shows the average monthly rates for GEICO and Travelers auto insurance based on age. Generally speaking, you’ll find that Geico offers cheaper rates.

GEICO vs. Travelers Auto Insurance: Average Monthly Rates by Age
AgeGEICO Average Monthly RatesTravelers Average Monthly Rates
20$117$133
30$97$130
40$93$100
50$87$94
60$88$93
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As you can see, GEICO has lower insurance premiums than Travelers for drivers of all ages, though the difference shrinks as drivers get older.

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What auto insurance coverage options do Travelers and Geico offer?

When comparing GEICO vs. Travelers auto insurance quotes, the cost will often depend on the coverages chosen. There are multiple coverages available from both companies, but you will pay more for each type of coverage you add to your policy.

Coverages offered by GEICO include:

  • Accident forgiveness
  • Comprehensive coverage
  • Collision insurance
  • Mechanical breakdown insurance
  • Liability coverage
  • Uninsured/underinsured coverage
  • Roadside assistance benefits for dead battery, lockout service, and more
  • Umbrella policy
  • Rental car coverage

Insurance from Travelers can include:

  • Accident forgiveness
  • Comprehensive coverage
  • Collision insurance
  • Mechanical breakdown insurance
  • Liability coverage
  • Uninsured/underinsured coverage
  • Roadside assistance benefits for dead battery, lockout service, and more
  • Umbrella policy
  • Gap coverage
  • New car replacement coverage
  • Rental reimbursement
  • Ridesharing coverage
  • Small claim forgiveness
  • Umbrella policy
  • Identity theft insurance

GEICO and Travelers also offer other types of vehicular coverage, such as boat, RV, and motorcycle insurance.

What discounts do Geico and Travelers offer?

Many auto insurance companies offer discounts for reducing risk. Comparing GEICO vs. Travelers auto insurance company discounts will help you determine how much you can save on your Travelers or GEICO quote.

The discounts offered by GEICO auto insurance include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Anti-lock brake system
  • Airbags
  • Good driver
  • Military

Discounts offered by Travelers auto insurance include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Good driver
  • Student away at school
  • Driver training
  • Green vehicle
  • Pay in full

While the two companies offer similar discounts, there are some differences. Looking through these deals will help you find the company that best fits your lifestyle and driving habits.

What kind of financial ratings can you expect from Geico and Travelers?

Credit rating agencies examine and rate the financial stability of insurance companies. These ratings determine the likelihood that the company will provide a payout when you file Travelers or GEICO claims.

GEICO has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These ratings are among the highest in the industry. They demonstrate that GEICO can provide a payout, even during difficult economic conditions.

Travelers has been rated an A++ by A.M. Best, an Aa2 by Moody’s, and an AA by S&P. You’ll notice the two companies are rated the same by A.M. Best, but Moody’s and S&P suggest that Travelers might find it more challenging to provide a payout.

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GEICO vs. Travelers Auto Insurance: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints about insurance companies. Comparing GEICO vs. Travelers auto insurance complaints will help you determine the quality of service you can expect.

At the time of this comparison, the BBB has received 2,808 complaints about GEICO over the past three years. The insurance company’s NAIC complaint index rating is 1.70. These numbers show that GEICO has more than the average number of complaints for a company of its size.

The BBB has received 418 complaints about the Travelers insurance company over the past three years. According to the NAIC, the company’s complaint index is 0.90. That shows that Travelers has fewer complaints than other companies of a similar size.

While GEICO receives more complaints than Travelers, looking over the specific grievances will help you determine if this is a cause for concern.

GEICO vs. Travelers Auto Insurance: Do they offer roadside assistance?

For some customers, quality roadside assistance is essential when choosing an auto insurance company. GEICO and Travelers both offer roadside assistance coverage to customers, but the specifics are a little different.

GEICO offers roadside assistance as an add-on for $14 per year. Customers that select this optional coverage will have access to the following:

  • Car battery jump
  • Flat tire replacement
  • Locksmith service
  • Towing
  • Fuel delivery

Travelers offers two different levels of roadside assistance. The basic level of roadside assistance includes:

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Locksmith service

The premium option includes everything offered by the basic roadside assistance plan as well as trip interruption reimbursement of up to $200 a day for a rental car.

GEICO vs. Travelers Auto Insurance: How can you make payments?

GEICO and Travelers offer multiple payment options for policyholders. While the options are similar, each company provides a form the other lacks.

Payment methods offered by both GEICO and Travelers include:

  • Automatic online payment
  • Credit card
  • Debit card
  • Electronic check
  • Mail payment

Additionally, GEICO allows customers to sign up for multi-payment installment plans and Travelers enables customers to choose direct deposit.

If you’d prefer to pay your bill over the phone, you can call GEICO at (800) 932-8872. You can call the Travelers insurance phone number at (800) 252-2268.

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GEICO vs. Travelers Auto Insurance: Do they have mobile apps?

When deciding whether to buy GEICO vs. Travelers auto insurance, documentation accessibility is a common concern. Fortunately, both companies have apps that are available on any mobile device.

The GEICO and Travelers mobile apps allow policyholders to access their identification cards, make payments, and view policy documents from almost anywhere.

While you can use your Travelers or GEICO login to access your ID card through the app, you should also have a physical card in case you need proof of insurance but lack internet access.

GEICO vs. Travelers Auto Insurance: The Bottom Line

Deciding between GEICO and Travelers auto insurance is a matter of personal preference. GEICO is best if you’re looking for low rates, but Travelers is best if you’re looking for enhanced roadside assistance. Comparing Travelers vs. GEICO auto insurance quotes will help you find the best option for you.