Allstate vs. Travelers: Pros & Cons (2021)

Our Allstate vs. Travelers auto insurance guide will help you choose between two companies that have very happy customers. We look at rates for both companies based on age, driving record, and credit score. Allstate has cheaper rates for teen drivers, but Travelers is a better choice for those with a bad driving record or bad credit. Allstate has heftier discounts. Compare rates from Allstate, Travelers, and other companies here.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • You can save over $2,000 a year by choosing Allstate for the young man in your household
  • If you have a bad driving record, you can save between $200 and $700 per year by choosing Travelers over Allstate
  • If you have fair or poor credit, Travelers is a better choice
  • Allstate has a wider variety of and heftier discounts than Travelers

In our Allstate vs. Travelers auto insurance guide, we examine rates by your particular characteristics: age, gender, marital status, driving record, and credit score. We also compare discounts and ratings from credible agencies that rate all of the best auto insurance companies.

Keep reading to compare Allstate insurance and Travelers insurance, or enter your ZIP code to find affordable auto insurance rates in your area.

Is Allstate auto insurance or Travelers auto insurance cheaper based on age?

The older we get, the more driving experience we have. Auto insurance companies use age as one of the most influential factors in determining your auto insurance rates.

It’s legal to base auto insurance rates on marital status and gender in most states; however, some have outlawed it. Let’s compare Allstate and Travelers auto insurance rates based on age, gender, and marital status.

Allstate vs. Travelers Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesTravelers Average Annual Rates
Single 17-year-old female$9,282$9,307
Single 17-year-old male$10,643$12,851
Single 25-year-old female$3,425$2,325
Single 25-year-old male$3,571$2,491
Married 35-year-old female$3,156$2,179
Married 35-year-old male$3,123$2,200
Married 60-year-old female$2,913$2,052
Married 60-year-old male$2,991$2,074
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Allstate’s auto insurance rates for teen drivers are about 11% cheaper than Travelers. It may seem like 11% is not that much of a difference, but it can be once you stack some additional discounts onto it.

The real savings from Allstate are in auto insurance for male teen drivers. You can save over $2,000 a year by choosing Allstate for the young man in your household.

However, Travelers auto insurance rates for 25 and older are 31% cheaper than Allstate. That’s certainly a bigger difference.

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Is Allstate auto insurance or Travelers auto insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your auto insurance rates no matter what company you pick because you become a higher risk driver.

Allstate vs. Travelers Average Annual Auto Insurance Rates by Driving Record
InfractionAllstate Average Annual RatesTravelers Average Annual Rates
Clean record$3,820$3,448
With one speeding violation$4,484$4,261
With one accident$4,988$4,290
With one DUI$6,261$5,741
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By choosing Travelers, you can save between $200 and $700 per year if you have a speeding ticket or accident on your record. If you have a DUI on your driving record, you can save around $500 per year by choosing Travelers.

It’s also important to take a closer look at how punitive each company is if you sign up with a clean driving record but then later get an infraction.

Allstate will be a little easier on you and increase your auto insurance rates by only 17% if you get a speeding ticket. For the same infraction, expect your Travelers auto insurance rate to increase by 24%.

Alternatively, Travelers is less punitive with drivers who cause an accident and raise their rates by only 24%. Allstate will raise your rates by 31% if you cause an accident.

Both companies take DUIs pretty seriously, though. Expect your rates to increase by 64% to 67% if you get a DUI compared to drivers with a clean driving record.

Is Allstate auto insurance or Travelers auto insurance cheaper based on credit score?

A good credit score can drop in a matter of months if you experience some type of financial trauma such as medical debt or going through a divorce.

In most states it is legal for auto insurance companies to base rates on your credit score; however, some are outlawing this along with basing rates on gender and marital status.

Based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file a claim, auto insurance companies justify using your credit score to determine your rates.

Let’s take a look at how Allstate and Travelers address rates for drivers with low credit scores.

Allstate vs. Travelers Average Annual Auto Insurance Rates by Credit History
Credit ScoreAllstate Average Annual RatesTravelers Average Annual Rates
Good Credit (670-739)$3,860$4,059
Fair Credit Score (580-669)$4,581$4,344
Poor Credit Score (300-579)$6,491$5,160
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If you have good credit, Allstate is a better option. However, if you have fair or poor credit, Travelers is a better choice.

Once you are with Allstate, and your credit score drops, expect your auto insurance rates to increase by 68% as compared to Travelers which will increase your rates by only 27%.

Before you judge these two companies’ rates based on credit score alone, read about your state auto insurance requirements and examine rates from a variety of companies.

Hopefully, if you have bad credit, you live in a state that has outlawed this practice.

Does Allstate or Travelers have better auto insurance discounts?

Auto insurance company discounts vary widely, and they are usually based on a company’s values and philosophy. That’s why it pays to shop around, especially if you have a bad driving record or low credit score. Discounts can help offset high rates.

Unfortunately, our source includes only three Allstate auto insurance discounts: defensive driver, airbags, and using their driving device or app.

Allstate vs. Travelers Average Auto Insurance Discounts
DiscountsAllstate Discounts Offered (Percentage)Travelers Discounts Offered (Percentage)
Anti-lock Brakes10N/A
Claim Free3523
Continuous CoverageN/A15
Daytime Running Lights2N/A
Defensive Driver1010
Distant Student357
Driver's Ed108
Driving Device/App2030
Early Signing1010
Electronic Stability Control2N/A
Farm Vehicle10N/A
Full Payment107.5
Good Student208
Green Vehicle1010
Multiple Policies1013
Multiple VehiclesN/A8
Newer Vehicle3010
On Time Payments515
Paperless Documents10N/A
Paperless/Auto Billing53
Passive Restraint30N/A
Safe Driver4523
Senior Driver10N/A
Utility Vehicle15N/A
Vehicle Recovery10N/A
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When comparing discounts offered by either company, Allstate has a total of 24 auto insurance discounts and Travelers has a total of only 17 discounts.

Allstate’s best auto insurance discounts range from 20% to 45% for being claim-free, being a distant student, using their driving app, driving a newer vehicle, having airbags, and being a safe driver.

Travelers auto insurance discounts aren’t as hefty, but if you use their driving app, you can save 30% on your auto insurance rates which is 10% more than Allstate’s discount.

The discounts offered by auto insurance companies often target specific types of drivers, so be sure to review all discounts prior to making your choice.

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What types of auto insurance coverages are offered by Allstate and Travelers?

Since both Allstate and Travelers are two of the 10 companies that make up the most of the market share, they have the means to offer a wider variety of auto insurance coverages that go beyond the standard six coverages which are listed below.

  • Liability auto insurance coverage – bodily injury and property damage
  • Comprehensive auto insurance coverage
  • Collision auto insurance coverage
  • Uninsured/Underinsured auto insurance coverage
  • Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
  • Personal Injury Protection (PIP) auto insurance coverage

Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.

Does Allstate or Travelers have better auto insurance mobile apps?

Usage-based auto insurance has become an individualized trend in the last decade or so, and all of the bigger auto insurance companies have a driving app that uses your mobile phone or a device installed into your auto.

Large auto insurance companies also provide a more general app to enable you to view your policy, make changes, and pay your bill. Usually, your Allstate insurance login or Travelers insurance login will work with both the general app and the driving app.

Read our Allstate Drivewise review and compare it to Travelers IntelliDrive usage-based auto insurance app to decide if this type of auto insurance is right for you.

How does Allstate and Travelers auto insurance compare in financial strength and customer satisfaction?

Buying auto insurance is a big financial responsibility, so you want to make sure you are choosing the right company that will be there for you when you need it.

A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be examined before you make your decision.

The following three agencies provide insight into these factors:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and the Travelers claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 and 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

Allstate vs Travelers Company Ratings
Rating AgencyAllstateTravelers
AM Best RatingA+A++
Consumer Reports8890
NAIC Company Complaint Ratio0.50.09
NAIC Total Complaints1632
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Both Allstate and Travelers are highly rated when it comes to customer satisfaction with the claims process. However, Allstate has a higher customer complaint ratio.

Ready to buy auto insurance? When you’re unsure which company to choose, you can always use our free comparison tool to compare auto insurance quotes from the auto insurance companies in your area.

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