Allstate vs. Travelers: Which Car Insurance Is Cheaper?
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UPDATED: May 26, 2021
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- On average, Travelers’ car insurance monthly rates are $37 cheaper than Allstate’s
- 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 car insurance rates with both companies
You’ve narrowed your car insurance shopping options down to Allstate vs. Travelers, but you need more information about both companies before you make your final decision.
Which company will provide the best and cheapest car insurance for you? Our Allstate vs. Travelers car insurance guide explains everything you need to know about affordable Allstate vs. Travelers car insurance quotes.
We’ll also cover car insurance coverages, other insurance products, third-party ratings, and more.
Comparing car insurance companies is important, so don’t stop at Allstate vs. Travelers car insurance. Use our free tool to compare rates from the best companies in your area.
Allstate vs. Travelers Car Insurance: Which is cheapest by driving record?
You can secure cheap car 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 car insurance rates based on driving records? Let’s take a look.
|Driving Record Summary||Allstate Average Monthly Auto Insurance Rates||Travelers 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|
Clean driving records come with less expensive car insurance rates, and Travelers car insurance is the cheapest between these two companies.
Allstate vs. Travelers Car Insurance: Which is cheapest by credit score?
Pay attention to your credit score, because it impacts the cost of car insurance.
According to Experian, car 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 car insurance rates stack up for people with different credit scores? Take a look at the numbers below.
|Credit Score Summary||Allstate Average Monthly Auto Insurance Rates||Travelers 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|
Once again, Allstate is the more expensive company. Travelers provides more affordable car insurance and lower increases between credit levels.
Some states have passed legislation prohibiting car insurance companies from using credit score when setting rates.
Be sure to check out our car insurance by state page before judging Allstate and Travelers car insurance rates based on credit score alone.
Allstate vs. Travelers Car Insurance: 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.
Allstate and Travelers car insurance rates are affected by age, gender, and marital status. See details in the table below.
|Age, Gender, and Marital Status||Allstate Average Monthly Auto Insurance Rates||Travelers 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|
Married drivers over the age of 34 will pay the least for their car 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 need 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 car insurance policy.
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Allstate vs. Travelers Car Insurance: Who has more discounts?
If your car 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 might be eligible for. But which company provides more deals? Let’s compare Allstate and Travelers discounts below.
|Auto Insurance Discount Name||Allstate Availability||Travelers Availability|
|Adaptive Cruise Control||✘||✘|
|Daytime Running Lights||✔||✔|
|Electronic Stability Control||✔||✘|
|Lane Departure Warning||✘||✘|
|Forward Collision Warning||✘||✘|
|New Customer/New Plan||✘||✘|
|Seat Belt Use||✘||✘|
|Students & Alumni||✘||✘|
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.
You should also consider your bundling options. Compare Allstate vs. Travelers homeowners insurance or Allstate vs. Travelers life insurance and see if one of these policies might suit your needs.
Allstate vs. Travelers Car Insurance: 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.
|Agencies||Allstate Ratings||Travelers Ratings|
|NAIC Complaint Index||0.41||0.32|
|J.D. Power - Power Circle Ratings||About Average||About Average|
|Apple App Store (iOS)||5 stars||2 stars|
|Google Play Store (Android)||4 stars||4 stars|
A.M. Best, Moody’s, and S&P are known for measuring financial strength. Despite its smaller 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’ insurance reviews from Consumer Reports are better.
Allstate vs. Travelers Car Insurance: The Bottom Line
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.
Before you buy Allstate vs. Travelers car insurance, the best way to know which company is right for you is to compare insurance quotes from local providers.
Now that you’ve finished its Allstate vs. Travelers car insurance review, enter your ZIP code in the free online quote tool to compare multiple companies in your area.
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