Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 3, 2021

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Key Takeaways

  • In general, Travelers auto insurance is more expensive than GEICO
  • GEICO received an A++ rating with A.M. Best, and Travelers received an A+ rating
  • J.D. Power rates GEICO as above average in customer satisfaction, and Travelers was rated below average

Trying to figure out which car insurance companies can offer you the coverage you want with low rates can be difficult. We will compare GEICO vs. Travelers car insurance companies to help you decide if either is right for you.

In this article, we will compare GEICO vs. Travelers car insurance rates, discounts, and ratings. If neither company is right for you, there are many more options out there to compare.

Keep reading to compare GEICO vs. Travelers car insurance. Enter your ZIP code now for free quotes from multiple car insurance companies in your area.

Does GEICO or Travelers have cheaper car insurance rates?

There’s a lot that goes into calculating your car insurance rates to see how affordable GEICO or Travelers car insurance is for you. Companies look at many different factors, including your age, gender, driving record, and credit score.

First, we will compare average annual GEICO vs. Travelers car insurance rates by age, gender, and marital status.

GEICO vs. Travelers Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesTravelers Average Annual Rates
Single 17-year-old female$5,405.23$7,586.79
Single 17-year-old male$5,955.63$11,904.09
Single 25-year-old female$2,312.93$2,059.71
Single 25-year old male$2,171.06$2,165.03
Married 35-year-old female$2,253.30$1,899.93
Married 35-year-old male$2,237.96$1,914.91
Married 60-year-old female$2,107.40$1,806.15
Married 60-year-old male$2,188.44$1,882.23
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Although GEICO car insurance is cheaper for 17-year-olds, Travelers is cheaper for other demographics.

Next, we will look at average annual GEICO and Travelers car insurance rates based on your driving.

Is GEICO good insurance for people with accidents, tickets, or DUIs on their driving record? Or is Travelers a better option if you don’t have a clean record?

GEICO vs. Travelers Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesTravelers Average Annual Rates
Clean record$2,145.96$3,447.69
With 1 accident$3,192.77$4,289.74
With 1 DUI$4,875.87$5,741.40
With 1 speeding violation$2,645.43$4,260.80
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GEICO auto insurance is cheaper regardless of your driving record.

Finally, let’s look at average annual rates based on your credit score.

GEICO vs. Travelers Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesTravelers Average Annual Rates
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Travelers car insurance is more expensive no matter your credit score.

Although some states like California don’t allow car insurance companies to use your credit score to calculate rates, most states do. Insurance companies tend to believe that a higher credit score means you won’t file as many claims.

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Does GEICO or Travelers have better car insurance discounts?

One easy way to lower your rates is to take advantage of car insurance discounts. Most companies offer discounts ranging from paying online to having multiple policies. There’s something for everyone.

This table compares GEICO and Travelers car insurance discounts. Take a look to see which company can offer you the most discounts. If the amount of the discount is known, it is listed.

GEICO vs. Travelers Available Car Insurance Discounts
Car Insurance DiscountsGEICO (%)Travelers (%)
Anti-lock Brakes5x
Claim Free2623
Continuous Coveragex15
Daytime Running Lights1x
Defensive Driverx10
Distant Studentx7
Driver's Edx8
Driving Device/Appx30
Early Signingx10
Emergency Deployment25N/A
Family LegacyxN/A
Farm VehiclexN/A
Federal Employee8N/A
Full Paymentx7.5
Further Educationxx
Good Student158
Green VehicleN/A10
Low Mileagexx
Multiple Policies1013
Multiple Vehicles258
Newer Vehiclex10
On-Time PaymentsN/A15
Paperless/Auto BillingN/A3
Passive Restraint40x
Safe Driver1523
Seat Belt Use15N/A
Students & AlumnixN/A
Utility VehiclexN/A
Vehicle Recovery15x
VIN EtchingN/Ax
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While both companies offer many of the same discounts, there are some differences.

GEICO offers a loyalty discount, but Travelers does not. Travelers offers a discount for on-time payments, and GEICO doesn’t.

Don’t forget to add in any discounts you may be eligible for when you compare GEICO vs. Travelers car insurance quotes.

How does GEICO and Travelers compare in financial strength and customer satisfaction?

A.M. Best scores companies on their financial stability. GEICO received an A++, and Travelers received an A+. Both companies show a superior ability to meet financial obligations.

Both companies scored an A+ with the Better Business Bureau (BBB). However, GEICO is accredited and Travelers isn’t.

GEICO and Travelers were ranked by J.D. Power on customer satisfaction, which included rates, billing, claims, and what is offered. In most regions, GEICO scored above average, but Travelers scored below average.

GEICO vs. Travelers: The Bottom Line

Both GEICO and Travelers offer online quotes and account access.

With either the website or mobile app, use your GEICO or Travelers login to pay bills, view your policy, or file a claim. You can even begin your Travelers or GEICO windshield repair claim online.

Each company also offers many different products and services, such as roadside assistance.

For example, GEICO full coverage is available along with various add-ons, like GEICO extended warranty or mechanical breakdown insurance.

Travelers offers a full range of coverage, also, and has add-ons such as rental insurance and new car replacement.

To learn more about each company, read our GEICO car insurance review and our Travelers car insurance review.

Now that you have the facts, it should be easier to decide if you want to buy GEICO or Travelers car insurance. If neither company fits your needs, consider comparing others to find exactly what you need.

We hope you’ve learned all you need to know about GEICO and Travelers car insurance. Enter your ZIP code now to compare free quotes from various car insurance companies near you.