Nationwide vs. Travelers Auto Insurance (2021)

When comparing Nationwide vs. Travelers auto insurance, you’ll find that Travelers has lower rates. Travelers also has more policy options and discount opportunities than Nationwide. However, A.M. Best has rated Nationwide Insurance and Travelers the same. Comparing Nationwide vs. Travelers will allow you to find the best option.

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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 insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 26, 2021

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Things to Remember

  • Travelers has lower rates than Nationwide
  • Travelers has more policy options than Nationwide
  • Nationwide and Travelers have been rated the same by A.M. Best

Nationwide and Travelers offer cheap auto insurance to drivers of all ages. Travelers has lower rates, more policy options, and more discount opportunities.

However, Nationwide and Travelers have been rated the same by A.M. Best. Comparing Nationwide vs. Travelers will allow you to determine the best choice.

Before starting this Nationwide vs. Travelers comparison, enter your ZIP code to find free auto insurance quotes in your area.

Nationwide vs. Travelers: What are their annual rates?

Comparing affordable Nationwide vs. Travelers auto insurance rates will help you find the most cost-effective option. The following charts show the annual auto insurance rates for Nationwide and Travelers for men of different ages.

Nationwide vs. Travelers: Male Average Annual Auto Insurance Rates by Age
AgesNationwide Average Annual RatesTravelers Average Annual Rates
25$1,606$1,398
35$1,227$1,306
60$1,128$1,114
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The following chart shows the same information for women.

Nationwide vs. Travelers: Female Average Annual Auto Insurance Rates by Age
AgesNationwide Average Annual RatesTravelers Average Annual Rates
25$1,497$1,348
35$1,197$1,266
60$1,049$1,073
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As you can see, Travelers has lower rates than Nationwide, and rates for women are lower than the rates for men.

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Nationwide vs. Travelers: What coverages are available?

Examining Nationwide vs. Travelers auto insurance company coverages will ensure you create a policy that gives you all the protection you need. Both companies offer the basic coverages, as well as some additional options.

The basic coverages offered by Nationwide and Travelers include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive
  • GAP insurance
  • Rental coverage
  • Accident forgiveness

In addition to these coverages, Travelers offers new car replacement and umbrella insurance coverage.

Nationwide vs. Travelers: What discounts are available?

Nationwide and Travelers both offer various car insurance discounts. Combining savings opportunities will allow you to lower your monthly rates.

Discounts offered by Nationwide include:

  • Anti-theft
  • Accident-free/good driver
  • Good student

Discounts offered by Travelers include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Good driver
  • Student away at school
  • Driver training
  • Green vehicles
  • Pay in full

Travelers offers more discount opportunities than Nationwide, but the company that will provide you with the most savings depends on your vehicle, insurance, and lifestyle.

Nationwide vs. Travelers: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings can be a determining factor when comparing Nationwide vs. Travelers auto insurance quotes.

Nationwide Insurance has been rated an A+ by A.M. Best, an A1 by Moody’s, and an A+ by S&P. These are all solid ratings, indicating that Nationwide will provide a payout when you file a claim.

Travelers has been rated an A+ by A.M. Best, an Aa2 by Moody’s, and an AA by S&P. These three ratings are excellent and are among the highest possible for an auto insurance company.

While Nationwide and Travelers are rated the same by A.M. Best, Travelers has been rated higher by Moody’s and S&P. This shows that Travelers is better positioned to provide a payout.

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Nationwide vs. Travelers: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints on their websites. The organizations have received complaints about Nationwide and Travelers.

At the time of this comparison, the BBB has received 211 complaints about Nationwide car insurance over the past three years. Additionally, Nationwide has a complaint index ratio of 1.48 from the NAIC, indicating more complaints than similarly-sized competitors.

The BBB has received 428 complaints about Travelers over the past three years. According to the NAIC, the company has a complaint index ratio of 1.29, indicating more complaints than companies of a similar size.

While Travelers has more complaints than Nationwide with the BBB, the lower complaint index ratio shows that Travelers has higher customer satisfaction overall.

Nationwide vs. Travelers: Do they offer roadside assistance?

For many people looking to buy Nationwide or Travelers auto insurance, roadside assistance is a major determining factor. Depending on the coverage options you choose, adding roadside assistance might impact your Travelers or Nationwide Insurance quote.

Nationwide offers a basic roadside assistance package that includes:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

The company’s premium plan features everything in the basic package, plus up to 100 miles of towing and trip interruption reimbursement.

Travelers auto insurance also offers two different levels of roadside assistance. The basic level of roadside assistance includes:

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Locksmith service

The premium plan includes everything in the basic package, plus trip reimbursement of up to $200 per day for a rental car.

Nationwide customers can request roadside assistance by calling (800) 421-3535. Drivers needing help can call the Travelers phone number at (800) 252-4633.

Nationwide vs. Travelers: Do they have mobile apps?

Auto insurance companies offer mobile apps that allow customers to complete various tasks on their mobile devices. For example, Nationwide and Travelers’ mobile apps enable customers to access digital ID cards, request roadside assistance, manage policies, and make payments.

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Nationwide vs. Travelers: What are their pros and cons?

Every auto insurance company has pros and cons to consider. Understanding these benefits and drawbacks will help you determine which company is right for you.

Nationwide has quality customer service, low rates for older drivers, and a straightforward claims filing process. However, they have higher rates for younger drivers, often already the most expensive age group.

Travelers has lower rates than many competitors and more coverage options than Nationwide. However, the company’s rideshare coverage is only available in Illinois and Colorado.

Nationwide vs. Travelers: The Bottom Line

Travelers has lower rates, more coverage options, and more discount opportunities than Nationwide. However, both companies offer roadside assistance and are rated the same by A.M. Best. Comparing Nationwide vs. Travelers auto insurance will help you find the right option.

Now that you’ve compared Nationwide vs. Travelers, enter your ZIP code to get free auto insurance quotes in your area.

Nationwide vs. Travelers: Frequently Asked Questions

Here are some frequently asked questions about Nationwide and Travelers.

#1 – How do I make a Nationwide or Travelers claim?

You can file claims online, through the mobile app, or call the Nationwide or Travelers Insurance claims phone number.

#2 – How can I make Nationwide or Travelers payments?

Nationwide and Travelers bill pay is available online or by phone. Payment options include credit card, debit card, check, and automatic bank draft.

#3 – How do I cancel a Nationwide or Travelers policy?

Customers can cancel a Nationwide or Travelers policy by calling their agent. If you don’t have an agent, you can find the appropriate company phone numbers on their websites.

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