Travelers vs. USAA: Pros & Cons (2021)

When comparing Travelers vs. USAA there are several factors to analyze. In terms of pricing, USAA is a bit more competitive. In terms of how these companies are rated, Travelers is rated just a bit higher. Both companies offer a wide array of discounts, but this is something to discuss with your agent when the time comes.

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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

  • Both Travelers and USAA are well-reviewed by the Better Business Bureau and A.M. Best for auto insurance
  • Both Travelers and USAA Insurance offer a wide array of discounts for drivers
  • USAA offers drivers more competitive pricing than Travelers

If you are reading this today, you’re most likely looking for your next, or perhaps even your first, auto insurer. To help simplify this process, we’re going to compare only two auto insurance companies: Travelers vs. USAA.

How do you get auto insurance quotes? You could compare by contacting each auto insurance company indivudually, or you could use a quote tool to find auto insurance rates near you.

It is as simple as typing your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area. So, USAA or Travelers: which company is best for you? Let’s find out.

Travelers and USAA Rates

When you are comparing insurers, whether it’s one of the little guys or one of the best auto insurance companies, a good place to start is with price.

Let’s take a look at a table that compares auto insurance rates for Travelers and USAA in each state.

Travelers vs. USAA: Average Annual Auto Insurance Rates by State
StateTravelers Average Annual RatesUSAA Average Annual Rates
Median$3,729.32$2,489.49
Alabama$3,697.80$2,124.09
AlaskaData Not Available$2,454.21
Arizona$3,084.74$3,084.29
Arkansas$5,973.33$2,171.06
California$3,349.54$2,693.87
ColoradoData Not Available$3,338.87
Connecticut$6,004.29$3,190.00
Delaware$4,182.36$2,325.98
District of ColumbiaData Not Available$2,580.44
FloridaData Not Available$2,850.41
GeorgiaData Not Available$3,157.46
HawaiiData Not Available$1,189.35
Idaho$3,226.29$1,877.61
Illinois$2,499.76$2,770.21
Indiana$3,393.75$1,630.86
Iowa$5,429.38$1,852.57
Kansas$4,341.43$2,382.61
Kentucky$6,551.68$2,897.89
LouisianaData Not Available$4,353.12
Maine$2,252.97$1,930.79
MarylandData Not Available$2,744.14
Massachusetts$3,537.94$1,458.99
Michigan$8,773.97$3,620.00
MinnesotaData Not Available$2,861.60
Mississippi$3,729.32$2,056.13
MissouriData Not Available$2,525.78
MontanaData Not Available$2,031.89
NebraskaData Not Available$2,330.78
Nevada$5,360.41$3,069.07
New HampshireData Not Available$1,906.96
New Jersey$4,254.49Data Not Available
New MexicoData Not Available$2,296.77
New York$4,578.79$3,761.69
North Carolina$3,132.66Data Not Available
North DakotaData Not Available$2,006.80
Ohio$3,135.16$1,478.46
OklahomaData Not Available$3,174.15
Oregon$2,892.19$2,587.15
Pennsylvania$7,842.47$1,793.37
Rhode Island$6,909.45$4,323.98
South CarolinaData Not Available$3,424.77
South DakotaData Not AvailableData Not Available
Tennessee$2,738.52$2,739.28
TexasData Not Available$2,487.89
UtahData Not Available$2,491.10
VermontData Not Available$1,903.55
VirginiaData Not Available$1,858.38
WashingtonData Not Available$2,262.16
West VirginiaData Not Available$1,984.62
WisconsinData Not Available$2,975.74
WyomingData Not Available$2,779.53
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As you can see, Travelers operates in only 25 out of the 50 states and the District of Columbia. However, other insurers like USAA operate in 48 states.

Both companies operate in 24 states — however, USAA’s auto insurance rates are less expensive in 22 out of these 24 states. What’s even more interesting is just how much cheaper than Travelers insurance USAA insurance can be.

For example, USAA in Pennsylvania charges less than a quarter of the rates charged by Travelers for auto insurance in the same state.

It’s safe to say that USAA wins when it comes to price and availability. Let’s now move on to how these two companies are rated.

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How are Travelers and USAA rated?

When comparing auto insurers, you can research organizations such as A.M. Best and the Better Business Bureau that focus on rating insurers .

Currently, Travelers and USAA both have a rating of A++ from A.M. Best.  Seeing as how there’s a tie here, we can move on to ratings from the Better Business Bureau.

Travelers Insurance is not currently accredited by the Better Business Bureau but they have a rating of A+. USAA is also currently unaccredited by the Better Business Bureau but they have an A- rating.

So, USAA wins on price, but Travelers wins marginally in terms of company ratings. Let’s move on to see what discounts are offered by these two companies.

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How do Travelers vs USAA discounts compare?

When you’re comparing insurers, inquire about discounts. No matter which insurer you choose, whether it is Travelers, USAA, or another auto insurer, you should aim to get any discounts you’re eligible for. Let’s now take a look at a table that shows how these rates compare.

Travelers vs. USAA Auto Insurance Discounts Offered
DiscountTravelersUSAA
Emergency Deployment
Federal Employee
Forward Collision Warning
Membership/Groupx
Militaryx
Military Garagingx
Occupationx
Recent Retirees
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As you can see, both Travelers and USAA each offer two of the eight common discounts. Travelers offers a group discount and an occupation discount. USAA offers a military discount and a military garaging discount.

Keep in mind that there are so many more discounts than these eight and a lot of them are as simple as typing in your Travelers insurance login or USAA login. When you’re speaking to an agent, inform them of your unique life circumstances and see how many discounts you can stack up.

Get a start on finding affordable auto insurance quotes by simply typing your ZIP code into our free and helpful tool below.

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