D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 17, 2021

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Just the Basics

  • 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.

Allstate vs. Travelers Car Insurance Rates by State
StatesAllstate Monthly Car Insurance RatesTravelers Monthly Car Insurance Rates
Alaska$262Data Not Available
Alabama$276$308
Arkansas$429$498
Arizona$409$257
California$378$279
Colorado$461Data Not Available
Connecticut$486$500
District of Columbia$539Data Not Available
Delaware$526$349
Florida$620Data Not Available
Georgia$351Data Not Available
Hawaii$181Data Not Available
Iowa$247$452
Idaho$341$269
Illinois$434$208
Indiana$332$283
Kansas$334$362
Kentucky$595$546
Louisiana$500Data Not Available
Maine$306$188
Maryland$436Data Not Available
Massachusetts$226$295
Michigan$1,909$731
Minnesota$378Data Not Available
Missouri$341Data Not Available
Mississippi$412$311
Montana$389Data Not Available
North Carolina$599$261
North Dakota$389Data Not Available
Nebraska$267Data Not Available
New Hampshire$227Data Not Available
New Jersey$476$355
New Mexico$350Data Not Available
Nevada$448$447
New York$395$382
Ohio$266$261
Oklahoma$310Data Not Available
Oregon$397$241
Pennsylvania$332$654
Rhode Island$413$576
South Carolina$325Data Not Available
South Dakota$394Data Not Available
Tennessee$402$228
Texas$457Data Not Available
Utah$297Data Not Available
Virginia$282Data Not Available
Vermont$266Data Not Available
Washington$295Data Not Available
West Virginia$318Data Not Available
Wisconsin$405Data Not Available
Wyoming$364Data Not Available
*National Average$407$370
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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.

Allstate vs. Travelers Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Average Monthly Car Insurance RatesTravelers 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
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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.

Allstate vs. Travelers Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryAllstate Average Monthly Car Insurance RatesTravelers 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
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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?

Allstate vs. Travelers Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesTravelers 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
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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.

Allstate vs. Travelers Average Monthly Car Insurance Rates by Commute Mileage
Estimated Commute MileageAllstate Average Monthly Car Insurance RatesTravelers Average Monthly Car Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$367
25 Miles Commute (12,000 miles/yr)$411$372
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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.

Allstate vs. Travelers Average Monthly Car Insurance Rates by Vehicle Make and Model Year
Vehicle Make and Model YearAllstate Average Monthly Car Insurance RatesTravelers 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
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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 vs. Travelers Car Insurance Coverage Options
Allstate Car Insurance CoveragesTravelers Car Insurance Coverages
Collision coverageLiability Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityCollision Coverage
Property Damage LiabilityPersonal Injury Protection
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageMedical Payments Coverage
Personal Umbrella PolicyLoan/Lease Gap Insurance
Personal Injury ProtectionRental Coverage
Sound System InsuranceRoadside Assistance
Roadside AssistanceNew Car Replacement
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to MexicoRide Sharing
Umbrella Insurance
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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.

Allstate vs. Travelers Insurance Products
Insurance ProductsAllstate AvailabilityTravelers Availability
Affinity Car & Home Program
Boat Insurance
Business Insurance
Auto Insurance
Commercial Auto and Trucking
Commercial Property
Condo Insurance
Construction Insurance
Cyber Insurance
Energy & Renewable Insurance
Financial Institutions
General Liability
Healthcare
Home Insurance
Jewelry and Valuable Items Coverage
Landlord Insurance
Life Insurance
Management & Professional Liability
Manufacturing
Motorcycle Insurance
Premiums Business Audit
Real Estate
Renters Insurance
Risk Control Services
Risk Management Information Services
Roadside Assistance Coverage
RV Insurance
Small Business Owner’s Policy
Umbrella Insurance
Wedding & Events Insurance
Workers Compensation
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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.

Allstate vs. Travelers Special and Standard 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 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.

Allstate vs. Travelers Financial Strength and Customer Satisfaction Ratings
AgenciesAllstate RatingsTravelers Ratings
AM BestA+A++
Moody'sA3Aa2
S&PAA-AA
NAIC Complaint Index0.410.32
J.D. Power Auto Insurance Study/Auto Claim Satisfaction ScoreAbout 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 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.