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Allstate vs. Travelers: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 26, 2021

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Key Takeaways

  • 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.

Allstate vs. Travelers Average Monthly Car 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 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.

Allstate vs. Travelers Average Monthly Car Insurance Rates by Credit History
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 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.

Allstate vs. Travelers Average Monthly Car 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 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.

Allstate vs. Travelers Car 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.

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.

Allstate vs. Travelers 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 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.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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