GEICO vs. Travelers: Which Insurance Company Is Better in 2026?
GEICO offers cheaper car insurance rates and earns higher customer satisfaction ratings than Travelers.
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Written byAnna Baluch
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Data reviewed byKonstantin Halachev
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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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Table of contents
If you’re looking for an auto policy, GEICO and Travelers — two of the largest car insurance companies — are likely on your radar.
GEICO, the third-largest auto insurer in America, has cheaper rates and better customer satisfaction ratings. Travelers, which has a 170-year history, sells a broader selection of add-ons and offers a more competitive telematics program.[1]
Here’s what you should know about GEICO and Travelers, including their premiums, coverages, discounts, and customer satisfaction. This will help you decide which car insurance company is a better fit for your unique situation.
Quick Facts
Both GEICO and Travelers advertise a long list of car insurance discounts.
GEICO received a better J.D. Power customer satisfaction score than Travelers.[2]
While Travelers offers gap and rideshare insurance, GEICO doesn’t.
GEICO vs. Travelers: Our verdict
For most drivers, GEICO offers more affordable car insurance premiums than Travelers. GEICO also outranked Travelers in the J.D. Power 2025 U.S. Auto Insurance Study and received a better star rating from the Better Business Bureau (BBB).[3] [4]
But if you prioritize personalized service through an independent insurance agent, you’ll find that Travelers has a much larger network of agents and brokers nationwide. Also, Travelers offers a few useful car insurance add-ons that aren’t available through GEICO, including gap insurance and rideshare insurance.
Before you choose between GEICO and Travelers, it’s a good idea to request personalized quotes.
GEICO vs. Travelers
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $144/mo* |
Overall rating 4.0 | Overall rating 4.7 |
Value for money 3.7/5 | Value for money 4.2/5 |
Customer service 4.0/5 | Customer service 4.5/5 |
Claims handling 4.1/5 | Claims handling 4.7/5 |
Special highlight Teen driversAI-generated from 7147 user reviews | Special highlight Numerous discountsAI-generated from 539 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
GEICO: Best for affordable rates
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $88/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. | $141/mo |
4.0
Best choiceBased on 14,202 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,147)
John
Verified Review
Rate Hike Mania
Reviewed in New York on January 2026
Good but expensive.
Leretta
Verified Purchase
Excellent
Reviewed in Delaware on January 2026
Good service.
Jon
Verified Purchase
Excellent
Reviewed in Georgia on January 2026
No problems! Very easy to access!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is a solid choice if you’re seeking a great deal on your car insurance — especially if you take advantage of some of its discounts. Compared to Travelers, GEICO’s premiums are generally lower for different driver profiles. Plus, GEICO excels in customer satisfaction, as shown by its higher ratings from J.D. Power and the BBB.
Pros
Cheaper premiums
Better customer satisfaction ratings
Many available discounts
Cons
No gap or rideshare insurance available
Fewer independent insurance agents
Lower savings potential with DriveEasy, its telematics program
Travelers: Best for add-ons
| 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 |
4.7
Best choiceBased on 1,090 verified guest reviews and ratings
How drivers feel about Travelers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (539)
James
Verified Review
They were there when I needed them
Reviewed in Oregon on January 2026
They were there when I needed them.
David
Verified Review
Searching for another policy
Reviewed in Florida on January 2026
They’ve raised the price too much despite my not having any claims or tickets.
June
Verified Review
Would not recommend Travelers, will never go back to them.
Reviewed in New York on January 2026
I was with Travelers for a while until I purchased a new vehicle, and then they messed up my billing two months in a row. I didn’t receive a bill through the mail or through my email, but they were sure able to send me a cancellation notice two months in a row.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Unlike some car insurance companies, including GEICO, Travelers offers gap and rideshare insurance coverage. If you have a loan or lease on your vehicle or drive for Uber or Lyft, this may be a huge plus. Travelers also employs more independent agents, which may be important to you if you prefer local, personalized service.
Pros
Offers gap and rideshare policies
Many available insurance agents
Generous savings through IntelliDrive telematics program
Cons
Higher rates
Lower customer satisfaction ratings
No military discounts
Travelers vs. GEICO: Which is cheaper?
GEICO is cheaper than Travelers for most categories of drivers. Here’s a look at how rates compare between the two car insurance companies. Unless otherwise specified, rates shown below are for full-coverage policies.
Driver Type  | GEICO | Travelers |
|---|---|---|
| Adult drivers | $138 | $172 |
| Liability-only coverage | $88 | $100 |
| Full coverage | $141 | $187 |
| Drivers with a speeding ticket | $191 | $249 |
| Drivers with a DUI | $203 | $273 |
| Drivers with an at-fault accident | $177 | $253 |
| Poor credit drivers | $171 | $226 |
| Good credit drivers | $107 | $162 |
| Teen drivers | $252 | $434 |
| Senior drivers | $103 | $138 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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GEICO vs. Travelers car insurance discounts
When it comes to auto insurance discounts, GEICO and Travelers are very comparable. Both offer a variety of discounts, such as those for good students, defensive drivers, and homeowners. But neither advertises a discount for low-mileage drivers or loyalty.
But while GEICO stands out for its military discounts, safe driver and alternative fuel discounts are only available through Travelers.
Below, you’ll find a list of discounts for each insurance company.
Discount | GEICO | Travelers |
|---|---|---|
| Safe driver | ✖ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✖ |
| New car | ✔ | ✔ |
| Military/affiliation | ✔ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✖ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✔ |
| Pay in full | ✔ | ✔ |
Compare customer satisfaction and financial strength
In terms of customer satisfaction and financial strength, GEICO and Travelers perform well. Each insurer holds an A++ (Superior) rating from AM Best, but GEICO scored higher in the J.D. Power auto insurance customer satisfaction study. In addition, GEICO received better reviews on the BBB.
While GEICO earns praise for its quick and easy claims process, Travelers is recognized for its personalized customer service.
Score | GEICO | Travelers |
|---|---|---|
| IQ Score | 9.2 | 8.5 |
| Customer reviews | 4/5 (14,202 reviews) | 4.7/5 (1,090 reviews) |
| J.D. Power | 644 out of 1,000 (above average) | 635 out of 1,000 (above average) |
| AM Best rating | A++ (Superior) | A++ (Superior) |
| NAIC complaint index | 1.42 (more complaints than average) | 0.70 (fewer complaints than average) |
| BBB customer reviews | 1.11 out of 5 stars based on nearly 1,500 reviews | 1.05 out of 5 stars based on nearly 300 reviews |
Recent customer reviews of GEICO car insurance
Insurify invites GEICO policyholders to rate their auto insurers and gathers the information so shoppers can learn from these experiences directly. These are all real, verified insurance reviews, and more policyholders report their experiences on a daily basis.
John
Verified Review
Rate Hike Mania
Reviewed in New York on January 2026
Good but expensive.
Leretta
Verified Purchase
Excellent
Reviewed in Delaware on January 2026
Good service.
Jon
Verified Purchase
Excellent
Reviewed in Georgia on January 2026
No problems! Very easy to access!
Steven
Verified Purchase
Excellent
Reviewed in South Carolina on January 2026
Very good experience! Very happy with Geico!
…
Recent customer reviews of Travelers car insurance
Travelers customers can share their real experiences with the car insurance company on Insurify. This way, you can read insights from policyholders and decide how to proceed. All reviews are real and verified.
James
Verified Review
They were there when I needed them
Reviewed in Oregon on January 2026
They were there when I needed them.
David
Verified Review
Searching for another policy
Reviewed in Florida on January 2026
They’ve raised the price too much despite my not having any claims or tickets.
June
Verified Review
Would not recommend Travelers, will never go back to them.
Reviewed in New York on January 2026
I was with Travelers for a while until I purchased a new vehicle, and then they messed up my billing two months in a row. I didn’t receive a bill through the mail or through my email, but they were sure able to send me a cancellation notice two months in a row.
Linda
Verified Review
Not good
Reviewed in California on January 2026
My car was in and out of two different shops for two months! I lost my $30/day car rental discount after the first month. I think that discount should be adjusted upwards. There are very few, if any, cars that I could have rented for $30 per day! During the in-and-out of the shop process in the second month, I was finally able to get a car rental for the last repair that was necessary after I expressed my frustration with their policy. The agent I worked with had to request the exemption through her supervisor, who did approve it eventually. My overall experience with this process was frustrating, and I would not recommend these particular agents to others.
…
GEICO DriveEasy vs. Travelers IntelliDrive
DriveEasy is GEICO’s telematics program. It’s available in 44 states and Washington, D.C. Once you download the GEICO app, it’ll track your speed and hard braking as well as how often and when you drive. From there, you’ll receive a driving safety score, which may lead to discounts on your policy. A better score leads to a higher discount, which can save you up to 15% at your next renewal.
Travelers IntelliDrive is available in only 33 states plus Washington, D.C., but you can score up to 30% savings on your coverage. Just like DriveEasy, the app tracks your speed, braking, and distracted driving. After 90 days, Travelers will adjust your policy premium at renewal time.
Note that telematics programs differ from pay-per-mile programs in that they reward you for safe driving habits. Pay-per-mile insurance is designed for low-mileage drivers, allowing you to only pay for the miles you drive. Available to all drivers, telematics can result in more confident driving and potentially result in significant savings on your coverage.
Here’s an overview of GEICO DriveEasy and Travelers IntelliDrive.
Feature | GEICO DriveEasy | Travelers IntelliDrive |
|---|---|---|
| Best for | Drivers who want broad availability | Drivers who want a higher savings potential |
| Savings potential | Up to 15% on renewals based on driving behavior | Up to 30% on renewals (40% in New York and 25% in New Jersey) |
| How it works | Uses your smartphone’s sensors to track driving habits | Uses your smartphone to track driving habits |
| Availability | 44 states plus Washington, D.C. | 33 states plus Washington, D.C. |
| Data tracked | Speed, distractions, braking, cornering, smoothness, time of day, mileage, route consistency | Speed, braking, distractions, time of day |
| App rating (App Store/Google Play) | 4.8/4.5 | 4.7/3.9 |
| Average discount for good drivers | 5%–15% | Up to 30% |
| Driver feedback tools | Real-time trip scoring and feedback | Real-time scoring and feedback |
| Gamified rewards | ✔(drivers can earn streaks) | ✔ (drivers can earn streaks) |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: GEICO vs. Travelers
GEICO and Travelers both offer standard car insurance coverages, such as bodily injury liability, property damage liability, personal injury protection, and underinsured/uninsured motorist coverage. But only Travelers advertises gap, rideshare, and new car replacement insurance. GEICO’s unique offering is mechanical breakdown insurance.
Below, you’ll find the coverage options for each insurer.
Coverage | GEICO | Travelers |
|---|---|---|
| Bodily injury liability | ✔ | ✔ |
| Property damage liability | ✔ | ✔ |
| Personal injury protection | ✔ | ✔ |
| Underinsured/uninsured motorist coverage | ✔ | ✔ |
| Medical payments | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✖ | ✔ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✖ | ✔ |
| New car replacement | ✖ | ✔ |
| Mechanical breakdown | ✔ | ✖ |
| Non-owners insurance | ✔ | ✔ |
GEICO vs. Travelers FAQs
Here, you’ll find answers to common questions about GEICO versus Travelers car insurance policies.
Which is cheaper: GEICO or Travelers?
GEICO offers lower rates than Travelers for most drivers, based on Insurify data. But it’s a good idea to get a quote from each insurer to see how premiums compare for your unique situation.
What does Travelers Insurance not cover?
Travelers car insurance covers a wide variety of accidents and situations. But your particular policy will outline its limitations and exclusions.
Is Travelers a reliable company?
Yes. Travelers is a reliable car insurance company. It’s been in business for more than 170 years and holds an AM Best financial strength rating of A++ (Superior).
Which company is GEICO’s biggest competitor?
State Farm is GEICO’s greatest competitor. State Farm holds the largest U.S. market share for car insurance.
Which car insurance company offers the cheapest insurance?
The cheapest car insurer depends on your unique situation. Your age, location, driving record, coverage choice, deductible, and discounts all factor into what you pay. To find the best deal on an auto policy, shop around and compare quotes from at least three auto insurance companies.
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 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:
- 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
- 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.
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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM States, U.S. Territories, Canada and Aggregate Other Alien 35-Total All Lines."
- J.D. Power. "It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds."
- Better Business Bureau. "GEICO."
- Better Business Bureau. "Travelers Insurance."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.