Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Feb 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key Takeaways

  • Allstate and Travelers are both in the top 10 largest insurance carriers in the country
  • Both companies connect drivers with a local insurance agent
  • Discounts are available from both companies for good drivers, students, and those with multiple policies

Allstate and Travelers are among the top 10 insurance carriers in America. When weighing the pros and cons of Allstate vs. Travelers, there are some key things to remember.

In addition to car insurance policies, both Allstate and Travelers offer insurance for homes, boats, and many other types of vehicles. What kind of coverage you need, where you need it, and how much you can pay all come into play when choosing among car insurance companies.

Before you learn how Allstate and Travelers stack up, see what you could save on car insurance today. Just enter your ZIP code into our free tool.

How do Allstate and Travelers compare for car insurance rates?

Rates are a big part of the decision when it comes to picking a car insurance company. Before we get into the details of what each company offers, let’s take a look at Allstate vs. Travelers car insurance rates.

There are a number of factors that can affect what you pay for car insurance. but few are as important as your driving record. The table below compares Allstate vs. Travelers rates for a clean record and for several common violations.

Driving RecordAllstate 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
Get Your Rates Quote Now

Compare RatesStart Now →

Age and gender are also big factors in determining car insurance rates. Take a look at how Allstate and Travelers stack up for several age groups as well as by 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
Get Your Rates Quote Now

Compare RatesStart Now →

Travelers generally has lower rates than Allstate, but there are situations where Allstate has better rates. You’ll have to compare personalized Allstate vs. Travelers car insurance rates to see which is cheapest for you.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Which has better coverage: Allstate or Travelers?

Since Travelers and Allstate have such large market shares for car insurance, drivers in all 50 states can get car insurance through either provider. Policy types, requirements, and discounts differ by region.

Drivers with an Allstate policy can choose between reporting claims to their personal agent or using the company’s mobile app. Having both options may be appealing to drivers who want the ease of technology and the personal connection a local agent can provide.

Travelers insurance operates very similarly. Drivers are connected with an agent who can help determine coverage options and aid if a claim is necessary.

Travelers also has a user-friendly app and drivers who use Amazon Alexa can get voice assistance virtually, making connecting with Travelers easier for the visually impaired.

What’s included with a standard policy from Travelers or Allstate?

Travelers and Allstate both have quality standard coverage within their basic policies. In addition to what’s generally covered by car insurance, Travelers and Allstate each make it easy to upgrade coverage. Before choosing to upgrade, drivers can expect the following coverage types

  • Bodily Injury and Property Damage Liability
  • Personal Injury Protection (PIP) and Medical Payments (MedPay)
  • Uninsured/Underinsured Motorist coverage
  • Collision coverage
  • Comprehensive coverage

Every Allstate or Travelers policy will meet the legal requirements for car insurance in your state.

What optional coverages do Allstate and Travelers offer?

Many drivers opt to add more coverage to their policies to create a policy that’s crafted specifically for their circumstances. Allstate and Travelers have numerous types of coverage you can tack on to a policy. Here are just some of their coverage upgrades.

Allstate offers rideshare insurance for those using their own car for services like Uber, Lyft, and GrubHub. Drivers can choose to add roadside assistance, which helps drivers with things like towing, flat tires, or running out of gas.

Allstate Claim Satisfaction comes standard with all policies that qualify (which is nearly all of them). Drivers can also choose to use Allstate’s Drivewise app, which rewards safe driving with cashback. Your Allstate Insurance login gives you access to all of your policy information online, including Allstate claims.

To get more information about specific company policies and covers, read our Allstate car insurance review.

Those insured with Travelers can take advantage of their app IntelliDrive, which tracks your driving habits for 90 days. Good driving can get you a discount of up to 20 percent, though your rates could rise if your driving is dangerous. A Travelers insurance login allows customers to go online to pay bills, make policy changes, and check on claims.

Travelers also has GAP insurance, accident forgiveness, rental car coverage, and new car replacement among their coverage add ons.  Our Travelers car insurance review examines the company’s options in greater depth.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What discounts do Allstate and Travelers offer?

Travelers and Allstate both have many discounts available to drivers, especially safe drivers. Because they both offer so many types of insurance, shoppers can expect to save by bundling multiple insurance policies.

See the following lists for examples of the types of discounts offered by Allstate and Travelers.

Allstate:

  • Discounts for early signing, on-time payments, up-front payments, auto-withdrawals, and paperless billing
  • Discounts for safety devices like anti-lock brakes and car alarms
  • Discount if your car is new
  • Discount for safe drivers
  • Good student discount
  • Discount for bundling policies

Travelers:

  • Discounts for not having a coverage gap and getting a quote before policy expiration dates
  • Discount if you own your home
  • Multi-policy and multi-car discounts
  • Students with a “B” or better and students who are away at school
  • Discounts for safe drivers and driver training
  • New car discount
  • Discounts for memberships to certain organizations

Specific discounts and percentages saved can vary by region.

How do Allstate and Travelers compare in the ratings?

J.D. Power consistently ranked Allstate and Travelers in the top insurance companies for customer satisfaction in a 2020 study on the subject.

Here’s a look at how Allstate and Travelers compare from several other trusted rating agencies.

Rating AgencyAllstateTravelers
AM Best RatingA+A++
Consumer Reports8890
NAIC Company Complaint Ratio0.50.09
NAIC Total Complaints1632
Get Your Rates Quote Now

Compare RatesStart Now →

You can see that Travelers performs a little better across the board.

Allstate vs. Travelers: The Bottom Line

Allstate and Travelers are both major car insurance companies with a lot to offer. Travelers generally performs a little better in financial ratings and customer satisfaction. Though Allstate is a slightly larger company than Travelers, they offer comparable coverage and discounts.

Deciding between Allstate and Travelers comes down to personal choice. While you’re considering your options, take a look at some free quotes from top insurance companies by entering your ZIP code in our free quote tool.