120+ more)
Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Allstate and Travelers are both well-known car insurance companies. Allstate makes up about 58% of the U.S. market share, and Travelers accounts for just less than 4%.[1]
Allstate wins overall for affordability and customer satisfaction, but it has a higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC). Travelers has a stronger financial strength rating and independent agents, but it also has higher average premiums and fewer available discounts.
This comparison of Allstate versus Travelers will look at each insurer’s rates, coverages, discounts, and customer service ratings. Here’s what you need to know.
Allstate and Travelers offer roadside assistance and accident forgiveness.
Both insurers provide 24/7 customer service.
The companies’ Drivewise and IntelliDrive telematics programs include gamified features to motivate safe driving.
You can’t go wrong with either Allstate or Travelers. Both are well-established car insurance companies with a wide range of coverage options.
If affordability is your top priority, Allstate generally offers lower average insurance rates, more discounts, and wider telematics availability. Allstate also outperforms Travelers in customer service and claims satisfaction, according to J.D. Power studies.[2]
Travelers may be a better choice if you prefer working with independent agents who can compare multiple insurers and policies on your behalf.
Overall, Allstate wins in most categories. But before deciding between the two, it’s essential to compare personalized insurance quotes to find the one that offers the best value for your specific needs.
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $144/mo* |
Overall rating 3.8 | Overall rating 4.7 |
Value for money 3.3/5 | Value for money 4.2/5 |
Customer service 3.8/5 | Customer service 4.6/5 |
Claims handling 3.8/5 | Claims handling 4.7/5 |
Special highlight Accident forgivenessAI-generated from 4129 user reviews | Special highlight Numerous discountsAI-generated from 549 user reviews |
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Along with offering lower average premiums, Allstate provides more discounts than Travelers, helping you save even more on your auto policy. You can also lower your rate with Drivewise, Allstate’s telematics program, which features gamified online tools like badges and trophies.
Allstate also ranks higher than Travelers for customer and claims satisfaction from J.D. Power, though it has a higher NAIC complaint index score.
Affordable premiums
More available discounts
Wider telematics availability
Higher-than-average NAIC complaint index score
Lower Google Play mobile app rating
Generally below-average J.D. Power customer and claims satisfaction scores
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $187/mo |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
If you prefer working with independent agents or brokers, Travelers partners with thousands of them across the U.S. Independent agents can compare quotes from multiple companies to help you find the best insurance coverage and rate, unlike Allstate agents, who exclusively sell Allstate insurance products.
While Allstate often outperforms Travelers on price, discounts, and customer satisfaction, Travelers has a stronger AM Best financial strength rating.
Works with independent agents
AM Best financial strength rating of A++ (Superior)
Discounts for hybrids and EVs
Less availability for its telematics program
No classic car insurance
Much higher-than-average number of complaints with the NAIC
The cost of auto insurance depends on your location, vehicle type, driving history, coverage selections, deductibles, and credit history.[3] You can find the average pricing for Allstate and Travelers below to figure out which is the cheapest car insurance company for your situation.
Driver Type  | Allstate | Travelers |
|---|---|---|
| Adult drivers | $73 | $92 |
| Liability-only coverage | $75 | $100 |
| Full coverage | $142 | $187 |
| Drivers with a speeding ticket | $101 | $133 |
| Drivers with a DUI | $110 | $147 |
| Drivers with an at-fault accident | $101 | $135 |
| Poor credit drivers | $91 | $121 |
| Good credit drivers | $65 | $86 |
| Teen drivers | $161 | $232 |
| Senior drivers | $57 | $74 |
Check quotes from 120+ top insurance companies
Both insurers offer several discounts to help you save on premiums, including those for bundling policies like renters or home insurance and being a safe driver. Overall, Allstate offers more discounts than Travelers, which complements its already lower premiums.
While Travelers offers discounts for being a homeowner, a student away at school, or a continuous customer, Allstate has discounts for seniors and rewards extra safety measures like anti-lock brakes, wearing your seat belt, and electronic stability control. Below is a comparison of the different discounts both insurance companies offer.
Discount | Allstate | Travelers |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✖ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✖ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✖ |
| Anti-lock brake | ✔ | ✖ |
| New car | ✔ | ✔ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✔ |
| Auto pay/ETF | ✔ | ✔ |
| Responsible payer | ✔ | ✔ |
| Student away at school | ✖ | ✔ |
| Homeowner | ✖ | ✔ |
| Alternative fuel | ✖ | ✔ |
| Pay in full | ✔ | ✔ |
| Early quote | ✖ | ✔ |
| Senior discount | ✔ | ✖ |
Allstate and Travelers both have poor Better Business Bureau (BBB) reviews and scored below average on J.D. Power’s customer service and claims satisfaction surveys. But Travelers has a much lower NAIC complaint index score and a slightly higher AM Best financial strength rating.
Customer feedback for Travelers often highlights a quick, fair claims process, though many policyholders mention frequent rate increases. Allstate customers also report rising premiums, but many note positive experiences with the company’s friendly, attentive agents.
The comparison below breaks down how Allstate and Travelers perform for customer service and financial strength:
Score | Allstate | Travelers |
|---|---|---|
| IQ Score | 8.9 | 8.5 |
| Customer reviews | 3.8/5 (8,324 reviews) | 4.8/5 (1,102 reviews) |
| J.D. Power | 693 | 691 |
| AM Best rating | A+ (Superior) | A++ (Superior) |
| NAIC complaint index | 1 | 3.97 |
| BBB customer reviews | 1.12 stars | 1.05 stars |
When customers complete Insurify’s auto insurance quoting process, we ask them to rate their former and current insurance companies. Below are verified reviews from actual Allstate customers to help you understand their experiences with the company.
As part of Insurify’s quoting process, customers share their feedback about their former and current insurer. The reviews below come from real Travelers policyholders. For more details on how we gather and verify this information, check out our review methodology.
Both Allstate and Travelers offer usage-based insurance, which rewards good driving habits, unlike pay-per-mile insurance, which only considers miles driven. These telematics programs help drivers save on auto insurance premiums as rates rise nationwide.
Travelers’ website says that drivers can save up to 30% on their auto insurance policy (40% in Nevada) with IntelliDrive. The mobile app has some unique features, like distraction-free streaks and the ability to add family members to compare driving performance.
Allstate doesn’t specify how much policyholders can save with Drivewise, though third-party reviews report 10% when you enroll, then up to 40% depending on your driving habits. Drivewise is available in more states than Travelers IntelliDrive and may offer more gamified features, such as earning badges and trophies.
Feature | Allstate Drivewise | Travelers IntelliDrive |
|---|---|---|
| Best for | Best for availability and gamified rewards | Best for definitive savings potential and Google Play reviews |
| Savings potential | 10%–40% based on driving behavior* | Up to 40% based on driving behavior |
| How it works | Uses your phone’s sensors to track speed, braking, and when you drive | Uses the smartphone app to collect information like speed, braking, and phone distractions |
| Availability | 48 states (not available in California or Alaska) | 42 states (limited availability) |
| Data tracked | Speed, sudden braking, phone use, nighttime driving | Speed, time of day, braking, acceleration, phone distractions |
| App rating (App Store/Google Play) | 4.8/4.0 | 4.6/4.3 |
| Average discount for good drivers | 10%–40%* | 25%–30% |
| Driver feedback tools | Trip summaries and personalized feedback on your driving | Trip details, distraction-free streaks, and driving tips |
| Gamified rewards | ✔ (drivers can earn badges, medals, and trophies) | ✔ (drivers can earn streaks and add family members to compare driving performance) |
| Compatibility | Smartphone app only | Smartphone app only |
Check quotes from 120+ top insurance companies
You can find several car insurance coverage options with both Allstate and Travelers Insurance. Both offer essential protections, including liability, collision, and comprehensive. They also offer add-on policy features, such as accident forgiveness, roadside assistance, and new car replacement coverage.
The main difference between the two insurers is that Allstate offers classic car insurance, while Travelers doesn’t. Below is a comparison of the insurance products with Allstate and Travelers.
Coverage | Allstate | Travelers |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Classic car insurance | ✔ | ✖ |
| Rideshare insurance | ✔ | ✔ |
| New car replacement | ✔ | ✔ |
If you’re comparing auto insurance companies, both Allstate and Travelers are solid choices. The additional information below may help you decide which is the right fit for you.
Premiums depend on several factors, but you may find lower average rates with Allstate rather than Travelers, according to Insurify data.
On average, a post-accident liability rate from Allstate costs $101 per month, and a rate from Travelers costs $135 per month, according to Insurify data.
But pricing varies by state and driver profile, so the only way to know which company is cheaper after an accident is to compare personalized insurance quotes. Both companies offer accident forgiveness options, so your car insurance rates may not increase after your first accident.
Both companies offer several discounts, including those for young drivers and bundling auto with homeowners insurance. But Allstate provides more ways to save on your insurance policy than Travelers.
J.D. Power ranks Allstate above Travelers in its claims satisfaction survey. But customers often praise Travelers’ claim process, and both companies offer online tools to help you file a claim.
Yes. Both Travelers and Allstate work with extensive networks of agents across the U.S. Allstate uses exclusive agents who only represent Allstate, while Travelers partners with independent insurance agents and brokers.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
Carley Clark is a freelance financial writer based in Michigan. She has written for several well-known brands, including Benzinga, CNN Underscored, GOBankingRates, and FinanceBuzz. Carley earned her bachelor’s degree in business from Spring Arbor University in 2018 and later worked as a revenue auditor for a casino before transitioning to writing. Outside of work, she enjoys reading, playing video games, and going for walks with her dog.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
)
