Travelers vs. USAA Auto Insurance (2021)

When looking at Travelers vs. USAA auto insurance companies, you’ll find that USAA has lower rates. Meanwhile, Travelers has more coverage options than USAA. Additionally, Travelers auto insurance is available for all customers, while USAA is only available for military members and veterans. Comparing Travelers vs. USAA auto insurance will help you determine 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 28, 2021

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Things to Remember

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

Travelers and USAA offer cheap auto insurance to customers. USAA has lower rates than Travelers but is only available for military members and veterans. Meanwhile, Travelers has more coverage options than USAA. Comparing Travelers vs. USAA will help you make the right choice.

Before you start this Travelers vs. USAA comparison, enter your ZIP code to find free auto insurance quotes in your area.

Travelers vs. USAA: What are their annual rates?

Comparing affordable Travelers vs. USAA auto insurance rates will help you find the most cost-effective option. To learn more about USAA, check out our USAA auto insurance review.

The following charts show the annual Travelers and USAA rates for men based on age.

Travelers vs. USAA: Male Average Annual Auto Insurance Rates by Age
AgesTravelers Average Annual RatesUSAA Average Annual Rates
25$1,398$1,086
35$1,306$810
60$1,114$756
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The next chart shows the same information for women.

Travelers vs. USAA: Female Average Annual Auto Insurance Rates by Age
AgesTravelers Average Annual RatesUSAA Average Annual Rates
25$1,348$1,033
35$1,266$812
60$1,073$755
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As you can see, the average USAA insurance quote is lower than the average Travelers quote, and rates decrease as drivers age.

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Travelers vs. USAA: What coverages are available?

When you buy Travelers or USAA auto insurance, combining coverages will allow you to build the perfect policy for your needs. Travelers and USAA offer all of the basic coverages. Additionally, Travelers provides various additional coverages that can be added to a policy.

The basic coverages offered by Travelers and USAA include:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist

While USAA only offers the basic coverages, Travelers provides additional options. These options include:

  • GAP insurance
  • Rental coverage
  • Rideshare coverage
  • Accident forgiveness

Travelers provides more coverage options than USAA, but both companies offer the coverages that most customers will require.

Travelers vs. USAA: What discounts are available?

Comparing Travelers vs. USAA auto insurance company discounts will help you discover the option that offers the most savings. Travelers and USAA offer various car insurance discounts to customers.

Discounts offered by Travelers include:

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

Discounts offered by USAA include:

  • Multi-car
  • Home and car
  • Car and life
  • Anti-lock brakes
  • Anti-theft
  • Good driver
  • Good student
  • Military

Travelers and USAA offer the same number of discounts, though the specific savings opportunities differ slightly. Both companies offer more discounts than most competitors.

Travelers vs. USAA: What are their financial ratings?

Credit rating agencies regularly review and rate insurance companies based on their financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file Travelers or USAA claims.

Travelers auto insurance has been rated an A+ by A.M. Best, an Aa2 by Moody’s, and an AA by S&P. These are quality ratings indicating that Travelers will provide a payout in most cases.

USAA has been rated an A+ by A.M. Best, an A1 by Moody’s, and an A+ by S&P. These three ratings are solid and inform customers that they can expect a payout when they file a claim.

While A.M. Best has rated the two companies identically, Travelers has been rated better by Moody’s and S&P.

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Travelers vs. USAA: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine complaints made by insurance customers. Complaints have been made about Travelers and USAA.

At the time of this comparison, the BBB has received 424 complaints about Travelers over the past three years. The company’s complaint index ratio from the NAIC is 0.90, indicating fewer complaints than competitors of a similar size.

The BBB has received 1,497 complaints about USAA over the past three years. According to the NAIC, the company’s complaint index ratio is 1.90, indicating more complaints than similarly-sized competitors.

Travelers’ fewer complaints and lower complaint index ratio show that the company has better customer satisfaction.

Travelers vs. USAA: Do they offer roadside assistance?

Travelers and USAA offer roadside assistance, which can be helpful if you suffer car trouble while on the road. While both companies offer this service as a separate policy, Travelers offers two different levels of roadside service.

The Travelers basic roadside assistance plan includes:

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

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

USAA also offers roadside assistance as a separate policy. However, they have one plan and it’s only available for existing customers. USAA roadside service includes:

  • Towing
  • Tire replacement
  • Gas delivery

If you add roadside assistance to your policy, it will increase your monthly rates, so you should make this decision before looking at Travelers or USAA auto insurance quotes.

You can request USAA roadside assistance by calling the company at (800) 531-8555. The Travelers Insurance phone number is (800) 252-4633.

Travelers vs. USAA: Do they have mobile apps?

Travelers and USAA have mobile apps that are accessible on any mobile device. Customers can use the USAA or myTravelers Insurance apps to access digital ID cards, manage policies, request roadside assistance, and make payments.

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Travelers vs. USAA: Which company is best?

The choice between Travelers and USAA depends on your lifestyle. USAA has lower rates but is only available for military members and veterans.

For this reason, those in the military will usually choose USAA. Those not in the military will have to choose Travelers or another auto insurance company.

Travelers vs. USAA: Do they have physical locations?

Modern technology allows customers to buy and manage policies online. This has caused auto insurance companies to close many of their physical locations. However, Travelers and USAA still have some physical locations you can visit.

Even though you can use the internet to manage policies, you might be wondering, “Where can I find a Travelers or USAA office near me?” Visiting these locations will allow you to meet one-on-one with a customer service representative.

Travelers currently has two locations. The company’s headquarters is located in Hartford, CT. The company has an additional office in New York, NY.

USAA has nine locations that customers can visit. The company’s headquarters is located in San Antonio, TX. Additionally, you can find a USAA office in the following cities:

  • Phoenix, AZ
  • Colorado Springs, CO
  • Austin, TX
  • Dallas, TX
  • Tampa, FL
  • Chesapeake, VA
  • Annapolis, MD
  • New York, NY

You can find the Travelers or USAA address closest to you by visiting the companies’ websites.

Travelers vs. USAA: The Bottom Line

USAA has lower rates than Travelers but is only available for military members and veterans. Travelers has more coverage options and better financial ratings. Comparing Travelers vs. USAA will help you determine which of these companies is right for you.

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

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