Allstate vs. Travelers Car Insurance for 2021
Comparing Allstate vs. Travelers car insurance is like comparing apples to apples, but they're different in the average cost. Allstate car insurance is $37 more expensive on average, but Travelers insurance has a better A.M. Best rating. Allstate vs. Travelers car insurance quotes vary depending on the person. Compare Allstate vs. Travelers auto insurance to get the best rates.
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UPDATED: May 17, 2021
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- Allstate car insurance rates are $37 more per month than Travelers’ insurance rates
- Comparing Allstate vs. Travelers homeowners insurance can help you save while bundling insurance
- Allstate has a more significant market share, but Travelers car insurance has more coverage options
Have you narrowed your car insurance search down to Allstate and Travelers? If you’re trying to decide which company is best for you, don’t worry — we’re to help.
Our Allstate vs. Travelers car insurance guide covers everything that individual Allstate and Travelers insurance reviews may have missed, such as details about car insurance rates, car insurance coverages, discounts, and third-party ratings.
Read on to compare Allstate vs. Travelers car insurance, and check out the best rates available in your area by entering your ZIP code in the free comparison tool above.
Allstate vs. Travelers: Which car insurance company is the cheapest?
Travelers car insurance is $37 cheaper per month than Allstate insurance on average. With its more affordable rates, Travelers earns about $18 billion less per year than Allstate.
However, Allstate and Travelers auto insurance rates will vary based on personal circumstances. Location, age, gender, marital status, driving record, commute mileage, and vehicle are all factors that affect the price of car insurance.
Continue reading to see how Allstate and Travelers’ rates are impacted by these factors.
Which car insurance company is cheapest by state?
Location is a significant factor when it comes to car insurance. Some states have cheaper rates than others, so your car insurance rates will be determined in part by where you live.
You don’t need to plug in all of your contact information to figure out how much you might expect to pay for car insurance.
Take a look at the chart below to compare average rates in different states.
|States||Allstate Monthly Car Insurance Rates||Travelers Monthly Car Insurance Rates|
|Alaska||$262||Data Not Available|
|Colorado||$461||Data Not Available|
|District of Columbia||$539||Data Not Available|
|Florida||$620||Data Not Available|
|Georgia||$351||Data Not Available|
|Hawaii||$181||Data Not Available|
|Louisiana||$500||Data Not Available|
|Maryland||$436||Data Not Available|
|Minnesota||$378||Data Not Available|
|Missouri||$341||Data Not Available|
|Montana||$389||Data Not Available|
|North Dakota||$389||Data Not Available|
|Nebraska||$267||Data Not Available|
|New Hampshire||$227||Data Not Available|
|New Mexico||$350||Data Not Available|
|Oklahoma||$310||Data Not Available|
|South Carolina||$325||Data Not Available|
|South Dakota||$394||Data Not Available|
|Texas||$457||Data Not Available|
|Utah||$297||Data Not Available|
|Virginia||$282||Data Not Available|
|Vermont||$266||Data Not Available|
|Washington||$295||Data Not Available|
|West Virginia||$318||Data Not Available|
|Wisconsin||$405||Data Not Available|
|Wyoming||$364||Data Not Available|
Travelers car insurance is more affordable in the United States overall. However, Allstate is available in every state and Travelers is not.
Which car insurance company is cheapest by driving record?
The easiest way to secure affordable Allstate and Travelers auto insurance is to keep a clean driving history. Avoiding accidents, DUIs, and other traffic violations can maximize your auto insurance savings.
How do Allstate and Travelers calculate car insurance rates based on driving record? Let’s check out the average Allstate and Travelers auto insurance rates below.
|Driving Record Summary||Allstate Average Monthly Car Insurance Rates||Travelers Average Monthly Car Insurance Rates|
|Clean Driving Record||$318||$287|
|With 1 Speeding Violation||$374||$355|
|With 1 Accident||$416||$357|
|With 1 DUI||$522||$478|
A clean driving record will earn you the cheapest car insurance rates at both companies. However, Travelers auto insurance has the least expensive rates based on different driving records.
Which car insurance company is cheapest by credit score?
Did you know your credit score impacts your car insurance policy? According to Experian, auto insurance companies correlate credit score to risk.
That means car insurance companies think people with good credit are less likely to file a claim, whereas people with poor credit are more likely to file a claim.
Let’s review the Allstate vs. Travelers car insurance comparison to see how credit score is factored into rates.
|Credit Score Summary||Allstate Average Monthly Car Insurance Rates||Travelers Average Monthly Car Insurance Rates|
|Good Credit Score (670-739)||$322||$338|
|Fair Credit Score (580-669)||$382||$362|
|Poor Credit Score (300-579)||$541||$430|
Travelers car insurance is the more affordable car insurance based on all credit levels.
There isn’t a significant difference between good and fair credit, but notice that Allstate charges those with poor credit almost $140 more than those with fair credit.
Which car insurance company is cheapest by age, gender, and marital status?
For most of us, with age comes more experience behind the wheel. Gender and marital status also factor into a person’s risk profile with an insurance company. But how are Travelers and Allstate’s rates affected by age, gender, and marital status?
|Age, Gender, and Marital Status||Allstate Average Monthly Car Insurance Rates||Travelers Average Monthly Car 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|
Younger male drivers pay more for auto insurance because they’re judged to be high-risk drivers.
Teen drivers pay significantly more than senior drivers at both car insurance companies, but Allstate is cheaper for teen drivers, and Travelers is more affordable for older drivers.
Which car insurance company is cheapest by commute mileage?
The more you drive, the more you’ll spend on car insurance every month. Let’s see how much Allstate vs. Travelers car insurance costs based on commute mileage.
|Estimated Commute Mileage||Allstate Average Monthly Car Insurance Rates||Travelers Average Monthly Car Insurance Rates|
|10 Miles Commute (6,000 miles/yr)||$403||$367|
|25 Miles Commute (12,000 miles/yr)||$411||$372|
Once again, Travelers’ car insurance rates are cheaper based on mileage. For both companies, the difference in rates between 6,000 miles per year and 12,000 miles per year is pretty marginal.
Which car insurance company is cheapest by vehicle?
The make and model year of your vehicle can also factor into your auto insurance cost. Usually, older make and model year vehicles generate cheaper rates, but it varies.
Let’s look at a few examples to see how Allstate and Travelers’ car insurance rates are affected by the vehicle you drive.
|Vehicle Make and Model Year||Allstate Average Monthly Car Insurance Rates||Travelers Average Monthly Car 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|
The 2015 vehicles are more affordable than the 2018 vehicles. The 2015 Toyota RAV4 is the only vehicle that is cheaper to insure with Allstate than Travelers, but the difference is only $5.
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Allstate vs. Travelers Car Insurance: Which company has more coverage options?
A car insurance company with a lot of coverage options is generally more versatile. With a lot of options, you should be to find a policy that meets your exact needs. So, who has more coverage options, Travelers or Allstate?
|Allstate Car Insurance Coverages||Travelers Car Insurance Coverages|
|Collision coverage||Liability Coverage|
|Comprehensive coverage||Comprehensive Coverage|
|Bodily Injury Liability||Collision Coverage|
|Property Damage Liability||Personal Injury Protection|
|Uninsured & Underinsured Motorist Coverage||Uninsured & Underinsured Motorist Coverage|
|Rental Reimbursement Coverage||Medical Payments Coverage|
|Personal Umbrella Policy||Loan/Lease Gap Insurance|
|Personal Injury Protection||Rental Coverage|
|Sound System Insurance||Roadside Assistance|
|Roadside Assistance||New Car Replacement|
|Classic Car Insurance||Accident Forgiveness|
|Travel Car Insurance to Mexico||Ride Sharing|
Travelers Insurance has more coverage options than Allstate. Keep in mind, the more types of coverage you add to your policy, the more you will pay for your car insurance.
Allstate and Travelers Insurance Products: Which company has more opportunities to bundle?
While you’re comparing Allstate vs. Travelers car insurance, are you also in the market for homeowners insurance? If so, you could bundle these two products together and save quite a bit on your overall insurance bill.
What about other insurance products available at Allstate and Travelers? Which company has more opportunities to bundle?
Let’s compare insurance products from both companies.
|Insurance Products||Allstate Availability||Travelers Availability|
|Affinity Car & Home Program||✘||✔|
|Commercial Auto and Trucking||✔||✔|
|Energy & Renewable Insurance||✘||✔|
|Jewelry and Valuable Items Coverage||✔||✔|
|Management & Professional Liability||✔||✔|
|Premiums Business Audit||✘||✔|
|Risk Control Services||✘||✔|
|Risk Management Information Services||✘||✔|
|Roadside Assistance Coverage||✔||✔|
|Small Business Owner’s Policy||✔||✔|
|Wedding & Events Insurance||✔||✔|
Allstate insurance has fewer products than Travelers, but both have a good selection of options.
You can save at least 12 percent on car insurance when bundling with homeowners or renters insurance.
If you’re not interested in bundling, don’t worry. There are plenty of other discounts available.
Allstate vs. Travelers Car Insurance: Which company has more discounts?
You can stomp the brakes on expensive car insurance with auto insurance discounts. You may not qualify for all discounts, but a few deals added to your policy can lower your insurance bill by hundreds.
Let’s compare Allstate and Travelers discounts to see which company provides more bargains.
|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 wins this matchup with more discounts than Travelers. If you’re eligible for enough discounts, you can get car insurance for a price that’s well below the average monthly rates.
Which company has the better financial strength and customer experience ratings?
Before you buy an insurance policy, always look at the financial strength ratings and consumer reviews.
Rating agencies research insurance companies every year, measuring financial outlook and customer satisfaction. Let’s examine Allstate and Travelers’ third-party ratings below.
|Agencies||Allstate Ratings||Travelers Ratings|
|NAIC Complaint Index||0.41||0.32|
|J.D. Power Auto Insurance Study/Auto Claim Satisfaction Score||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 focus on insurance companies’ financial strength and credit ratings. Although Allstate earns more in premiums, Travelers has a better financial outlook overall.
Travelers Insurance also has a better customer complaint score from the National Association of Insurance Commissioners (NAIC), meaning it receives fewer complaints than Allstate. However, both companies have excellent scores.
Both companies received fairly average ratings from J.D. Power, but Travelers has a better Consumer Reports rating.
Allstate’s mobile app has a slightly better rating on the Apple App Store, but Travelers and Allstate have the same rating on the Google Play Store.
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Allstate vs. Travelers Auto Insurance: The Bottom Line
So, what are some of the pros and cons of Allstate vs. Travelers car insurance?
Travelers insurance is cheaper than Allstate, but it’s only available in 43 states. Allstate is available all over the United States.
So, should you buy Allstate vs. Tallstate vs. travelers car insurance rates ravelers car insurance? Despite Allstate’s availability and earnings, Travelers has a better grip on its finances and customer satisfaction.
Now that you know all about finding affordable Allstate vs. Travelers car insurance quotes, use our free online quote tool to compare the best companies near you.