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.

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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

  • Nationwide tends to be more affordable than Travelers
  • Travelers insurance reviews show customers are happy with their experience with this insurance company
  • Travelers and Nationwide car insurance can be more affordable when you add discounts
  • Both Nationwide and Travelers base your rates on various pieces of information

Comparing Nationwide vs. Travelers car insurance is a great way to find the best rates. While you may have looked at the Nationwide car insurance review, you only get one company’s information.

This can give you an idea of how much Nationwide will cost, but what about other top-rated insurance companies?

From rates to customer experience, find an insurance company that fits all of your needs. Inside, you will find all the information you need to make an educated decision between the Nationwide or Travelers car insurance company.

Before jumping into this Nationwide vs. Travelers car insurance, enter your ZIP code to compare companies near you now.

Which is better, Nationwide or Travelers car insurance rates?

Finding affordable Nationwide or Travelers car insurance rates doesn’t have to be complicated. Each car insurance company looks at your age, location, credit score, driving record, education, and more when determining your base rates.

Each company puts different levels of priority on each factor, and this is why you won’t find the same rates with every company you look at. The best way to find the cheapest rates is to compare.

Here is a glance at some different driving scenarios and the base rates you may face when you decide to go with Nationwide or Travelers.

Nationwide vs. Travelers: Rates Based on Driving Record

It’s not surprising to find that your driving record will help determine your Nationwide or Travelers car insurance quotes. The fewer infractions you have on your record, the more affordable your premiums will be. Some companies are more forgiving than others.

Here’s how Nationwide stacks up against Travelers when it comes to your driving record.

Nationwide vs. Travelers Average Monthly Rates Based on Driving Record Infractions
Driving RecordNationwide Average Monthly RatesTravelers Average Monthly Rates
No Infractions$229$287
With One Speeding Ticket$259$355
With One At-fault Accident$283$357
With One DUI/DWI$379$478
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Nationwide is more forgiving than Travelers car insurance when it comes to a less-than-perfect driving record. However, you shouldn’t count Travelers out. With discounts, they still may be more affordable than Nationwide.

Nationwide vs. Travelers: Rates Based on Credit Score

It’s natural to know that your driving record and age will impact your car insurance rates. However, many people don’t realize their credit score will also affect your premiums. So, let’s look at what your rates may be based on what your credit score is.

Nationwide vs. Travelers Average Monthly Rates Based on Credit Score
Credit ScoreNationwide Average Monthly RateTravelers Average Monthly Rate
Poor (300-579)$340$430
Average (580-669)$271$362
Good (670-739)$244$338
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As with your driving record, Nationwide is more affordable regardless of your credit score.

Nationwide vs. Travelers: Rates Based on Location

Every state has different rules when it comes to car insurance. Looking at Pennsylvania car insurance rates won’t help if you live in Alabama. Getting an idea of the average rates in your state is another way to ensure you get the most affordable rates.

Nationwide vs. Travelers Average Monthly Rates Based on Location
StateNationwide Average Monthly PremiumTravelers Average Monthly Premium
Alabama$145.82$118.76
Arizona$182.96$145.21
Arkansas$132.92N/A
California$265.08N/A
Colorado$180.58N/A
Connecticut$184.96$172.61
Delaware$181.89$155.72
District of Columbia$238.27N/A
Georgia$183.53N/A
Idaho$117.98$84.69
Illinois$147.03$117.03
Indiana$140.84$153.91
Iowa$113.36$145.01
Kansas$145.32$159.15
Kentucky$246.59$187.35
MaineN/A$90.14
Maryland$209.46N/A
Michigan$344.62$248.49
Mississippi$145.20$193.91
Missouri$136.38N/A
Nebraska$126.05N/A
Nevada$304.37$207.52
New Hampshire$130.51N/A
New Jersey$289.18N/A
New York$364.06$238.97
North Carolina$100.05$103.23
Ohio$122.47N/A
Oregon$131.32$134.07
Pennsylvania$128.82$205.13
Rhode Island$229.17$218.91
South Carolina$141.90$116.21
Tennessee$153.15$135.37
Texas$236.42N/A
Utah$132.58N/A
Vermont$103.92N/A
Virginia$143.80N/A
Washington$140.12$141.68
West Virginia$174.92N/A
Wisconsin$134.97N/A
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While Travelers car insurance is not available in as many states as Nationwide, it does tend to be the cheaper company in most states. So, when looking at your state alone, Travelers may be able to save you the most money.

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What discounts are available with Nationwide and Travelers?

Discounts are part of what draws new customers to insurance companies. When you find a company that offers many discounts you qualify for, your rates can decrease dramatically.

Many of the discounts insurance companies offer are very similar. However, when you really start to check out different companies, you will find that some are quite unique. The unique discounts are the ones that can make choosing a new company easier.

Nationwide vs. Travelers Available Discounts
DiscountNationwideTravelers
Accident-freeYesNo
AffinityYesNo
Anti-Lock Brake SystemNoNo
Anti-theft deviceYesNo
Automatic PaymentYesNo
Defensive DriverYesNo
Driver's EducationNoYes
Good StudentYesYes
Green VehicleNoYes
HomeownerNoYes
Low-mileageYesYes
Multi-carNoYes
Multi-PolicyYesYes
Paid in FullNoYes
Safe DriverYesYes
Student Away at SchoolNoYes
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Nationwide offers more discounts than Travelers, and since their rates tend to be lower, they may be the best place to get a quote from first.

Which company has better customer satisfaction, Nationwide or Travelers?

You want to know when you make a Travelers insurance claim, you will have support. An accident is stressful enough without your insurance company fighting with you. This is why customer satisfaction is so important.

Consumers have noted that with Nationwide, filing a claim is simple. Their customer support is simple, and they even offer an app that streamlines the process. Additionally, Travelers car insurance customers are happy with their experiences.

Both companies rank high when it comes to customer satisfaction. So, you won’t need to worry about dealing with a problem on your own regardless of which of these two companies you choose.

If you are ready to buy Nationwide or Travelers car insurance, enter your ZIP code here for a quick comparison of rates.