Allstate vs. Travelers: Which Is the Best? (2024)

With an AM Best financial strength rating of A++ (Superior), excellent discounts, and solid customer satisfaction, Travelers is the better insurer.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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 November 27, 2024

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Two of the largest national car insurance companies, Allstate and Travelers are both great options for you to consider when shopping around for coverage. Both companies sell car insurance and a range of other insurance products nationwide. Travelers offers a better selection of discounts, but Allstate is the cheaper auto insurance company.

When evaluating Allstate and Travelers, you should consider important factors, like average rates, coverage options, discounts, customer service, financial strength, and availability. It’s a good idea to compare each company to find the cheapest auto insurance and the best option for you.

Here’s what you need to know about Allstate’s and Travelers’ coverage offerings before buying a new auto insurance policy.

Quick Facts
  • U.S. drivers pay $61 per month for liability insurance from Allstate and $89 from Travelers, on average.

  • Travelers offers a discount for drivers of hybrid or electric vehicles, but Allstate doesn’t.

  • Travelers and Allstate both have a telematics-based safe driver reward program.

Allstate vs. Travelers: The verdict

Allstate and Travelers each stand out in different ways. In terms of average costs, Allstate has cheaper coverage than Travelers. Both companies have more than a dozen discount offerings, and Travelers policyholders can also save with the company’s IntelliDrive and affinity programs.

In the table below, you can see how Allstate and Travelers compare on a few important features.

Factor
Allstate
Travelers
IQ Score8.99.0
J.D. Power customer satisfaction score806 out of 1,000814 out of 1,000
Average quote: liability only$61$89
Number of discounts1414
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Allstate

Allstate is the fourth-largest car insurance company in the United States, according to the National Association of Insurance Commissioners (NAIC). Allstate holds about 11% of the total market share.[1]

Compare personalized, real-time quotes
User Reviews
3.1
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.
$61/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.
$133/mo

The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Ample opportunities for bundling discount

  • Offers a pay-per-mile option

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

  • Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study

Read more driver reviews of Allstate
Debora - November 25, 2024
Verified

Very Expensive for Automobiles

The representative was very nice, but the automotive insurance is too high.

John - November 25, 2024
Verified

Good

I've never had a problem.

Lisa D - November 25, 2024
Verified

Need Lower Insurance

It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.

Travelers

Travelers is the eighth-largest insurer in the country. In the U.S. personal auto insurance industry, Travelers has 2.11% of the total market share.

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User Reviews
3.5
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.
9.0/10
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.
$89/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.
$191/mo

Travelers is the sixth-largest insurer in the U.S. by market share and has been in business for more than 150 years. The company sells auto, homeowners, renters, flood, pet, and other types of insurance. In addition to standard auto coverages, like liability, collision, and comprehensive coverage, Travelers offers gap insurance, accident forgiveness, new car replacement, and more optional coverages. Drivers can save with numerous discounts, including for bundling policies or insuring a new car. Travelers’ IntelliDrive program rewards policyholders with up to a 30% discount for safe driving.

Pros
  • Accident forgiveness available

  • Offers discount for hybrid and electric cars

  • A++ (Superior) financial strength rating from AM Best

Cons
  • Rideshare coverage not available in all states

  • High number of negative customer reviews with the Better Business Bureau

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners

Read more driver reviews of Travelers
Natalie - November 26, 2024
Verified

Great customer service

Great customer service.

Ellen - November 25, 2024
Verified

Save on Car Insurance

I am looking to renew my car policy as I have moved from N.Y. to Texas.

Linn - November 25, 2024
Verified

Looking for a Better Rate

It has become too costly.

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Allstate Drivewise vs. Travelers IntelliDrive

Allstate and Travelers both have a telematics-based safe driver rewards program. Customers download a free mobile app that tracks driving habits, like speed, brake force, nighttime driving, and distractions. These programs reward safe driving habits with a discounted premium.

With Allstate’s Drivewise program, you earn an automatic discount for enrolling and a safe driving discount every six months if you drive safely. And with Travelers IntelliDrive, you can earn an enrollment discount and save up to 30% for driving safely. But your premium can increase with both programs if you demonstrate unsafe driving behaviors.

Allstate vs. Travelers: Which is the cheapest?

Allstate has cheaper average car insurance premiums than Travelers, but both companies have cheaper average rates than the overall national average. The average car insurance price from Allstate is $61 per month for liability coverage and $133 for full coverage. To compare, Travelers policyholders pay an average of $89 per month for liability and $191 for full coverage.

Your car insurance premium will ultimately depend on various factors. When calculating premiums, car insurance companies can consider your ZIP code, age, credit history, and vehicle type. Your driving record is a major factor that can lead to higher or lower premiums.[2]

Here’s a closer look at how rates compare between Allstate and Travelers for various driver profiles.

Allstate: Cheapest for drivers with a clean driving record

Allstate has the cheapest car insurance for people who have a clean driving record with no recorded driving incidents, traffic violations, or car accidents.

Driver Type
Allstate
Travelers
Clean driving record$61$89
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for drivers with a speeding ticket

You’ll generally pay more for car insurance if you have a past violation on your record, such as a car accident, DUI, or speeding ticket. Drivers with a speeding ticket on their record pay less for coverage with Allstate than Travelers, on average.

Driver Type
Allstate
Travelers
Drivers with a speeding ticket$73$108
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for teen drivers

Allstate has cheaper average auto insurance rates for young drivers and teenagers, who pay the highest rates for coverage out of all age groups.

Driver Type
Allstate
Travelers
18-year-old$114$171
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for drivers with bad credit

Insurers view drivers with bad credit as higher-risk. But Allstate has lower car insurance rates than Travelers for drivers with bad credit.

Driver Type
Allstate
Travelers
Drivers with bad credit$73$107
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for senior drivers

Senior drivers will find that Allstate has a lower average premium than Travelers.

Driver Type
Allstate
Travelers
Senior drivers$47$66
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Compare coverages: Allstate vs. Travelers

Allstate and Travelers have similar coverage offerings. Both auto insurance companies sell standard coverages, including liability, collision, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist insurance.

Additionally, these insurers offer endorsements that can fill gaps in your basic car insurance policy. Below, you can see some of the endorsements that Allstate and Travelers offer.

Coverage
Allstate
Travelers
Roadside assistanceYesYes
Rental reimbursementYesYes
Rideshare insuranceYesYes
Gap insuranceYesYes
New car replacementYesYes

Compare discounts: Allstate vs. Travelers

Travelers offers a few key discounts that Allstate doesn’t, though both companies have solid discount opportunities. Travelers customers can benefit from homeowner, affinity group, and hybrid or electric vehicle discounts, but Allstate drivers can’t. And Allstate has an anti-theft device discount that Travelers doesn’t.

Each company offers multi-policy discounts, which are great for drivers who want to bundle auto coverage with home or life insurance. Here’s how Allstate and Travelers compare in terms of discounts.

Discount
Allstate
Travelers
Clean driving recordYesYes
Defensive driving courseYesYes
Multi-policyYesYes
Multi-carYesYes
Low annual mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesNo
New carYesYes
Affinity groupsNoYes
Good studentYesYes
LoyaltyNoNo
Auto payYesYes
Student away at schoolYesYes
HomeownerNoYes
Alternative fuelNoYes

Allstate vs. Travelers FAQs

Travelers and Allstate are excellent insurance companies with a range of products. If you’re still deciding which insurer is the best choice for your needs, check out the answers to the questions below for more information on these two companies.

  • Which insurance company is better: Travelers or Allstate?

    Overall, Travelers is the better car insurance option for many drivers, thanks to superior financial strength and a large selection of coverage and discounts. Although Travelers has higher rates than Allstate, the company’s average rates are below the U.S. national average.

  • Is Travelers good at paying claims?

    Travelers has mixed ratings when it comes to insurance claims but has an A++ (Superior) financial strength rating from AM Best, which indicates an ability to pay claims and meet other policyholder obligations. Travelers ranked above average for customer satisfaction in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[3]

  • Is Allstate the most expensive car insurance?

    No. Allstate isn’t the most expensive car insurer. In fact, the company has lower average rates than the overall national average for liability and full-coverage insurance. In addition to the car insurer you choose, your premium will depend on your age, credit history, driving record, marital status, auto policy length, whether you have a past car insurance claim, and more.

  • What are the key differences between Allstate and Travelers insurance policies?

    The main difference between Allstate and Travelers auto insurance is cost. Allstate has much lower average premiums than Travelers for many driver types. However, Travelers offers a better selection of discounts than Allstate. Even though Travelers has more expensive rates, you might be able to reduce your premium by taking advantage of its discounts.

Methodology

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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Association of Insurance Commissioners. "2022 Property and Casualty Market Share."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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