National General vs. Travelers: Which Is Best? (2025)
Travelers has high customer satisfaction scores and a wide selection of add-ons and discounts, making it our top pick.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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Data reviewed byKonstantin Halachev
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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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Table of contents
National General and Travelers are two large auto insurance companies in the U.S. you may want to consider in your search for car insurance.
National General is an Allstate subsidiary with a full lineup of services and auto insurance products. Travelers is similar to National General in that it also offers a variety of insurance options, but it also has more add-ons and discounts. National General has lower insurance rates across most categories.
Before you decide which insurer to choose, do your own research or work with insurance experts to compare quotes, coverage plans, discounts, and customer service reviews from National General, Travelers, and other insurance companies.
Here’s how National General and Travelers compare.
Quick Facts
Travelers offers unique add-ons, like gap insurance, rental car reimbursement, and rideshare coverage.
While National General has cheaper premiums on average, Travelers has more discounts that can lead to affordable auto insurance coverage.
Travelers is a larger car insurance company with better ratings for financial stability than National General.
National General vs. Travelers: The verdict
National General and Travelers sell auto insurance to drivers in all 50 states, but Travelers is the better overall auto insurance company.
While National General generally offers cheaper premiums for most driver profiles, including teens and senior drivers, Travelers has a wider selection of add-ons and optional insurance products, such as gap insurance and rideshare coverage.
Travelers also offers more discount opportunities that can help you save money and still land cheap car insurance and affordable car insurance rates. Both companies give drivers the chance to participate in usage-based telematics programs, though Travelers policyholders can earn a more significant discount of up to 30%.
You should always compare factors like market position, overall value, available rate data, car insurance coverage levels, industry ratings from professional organizations like J.D. Power, customer experience reviews, and more before deciding on the right insurer — whether you’re buying your first-ever auto insurance policy or renewing existing coverage.
Here’s a quick snapshot of both companies and how they compare.
Factor  | National General | Travelers |
|---|---|---|
| IQ Score | 7.0 | 8.5 |
| Customer satisfaction score | 2.7 | 3.5 |
| Average quote: liability only | $95 | $99 |
| Number of discounts | 7 | 14 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General
Founded in 1920, National General is an Allstate company that has an A- (Excellent) financial strength rating from AM Best.
| User Reviews | 3.6 |
|---|---|
| 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. | 7 /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. | $95/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. | $177/mo |
3.6
A solid optionBased on 759 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (323)
Jill
Verified Purchase
It's great with a good price
Reviewed in California on November 2025
Easy to work with.
Cynthia
Verified Review
Agent Issues with Carrier
Reviewed in Virginia on November 2025
First up, the agent is dishonest. He quoted a rate and then billed for a much higher rate. He then dodged your phone calls and leaves you hanging. When you try to follow up with the carrier, they make it seem like they're concerned, but eventually, they tell you they are separate from each other, allowing the cheating to continue. While I thought my account was being investigated after my complaints, my policy was canceled because of nonpayment. The agent is devious and disrespectful, and the carrier seems to back him. They negatively impacted my insurance history.
Jennifer
Verified Purchase
Can't Believe the Savings
Reviewed in New Hampshire on November 2025
No complaints, saving me almost $200 a month.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.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
National General is part of Allstate. The insurer offers personal and commercial car insurance, home insurance, renters coverage, and more through a nationwide network of independent agents. National General offers liability, collision, and comprehensive auto insurance. The company has an excellent A- rating from AM Best for financial strength and long-term credit, meaning National General should be able to pay policyholder claims. But the company has nearly six times the expected number of complaints in the National Association of Insurance Commissioners Complaint Index.
Pros
Has 24-hour claims processing
Offers $500 emergency expense allowance
Low-mileage drivers could save with DynamicDrive program
Cons
Poor customer reviews with Better Business Bureau
Quotes may be higher than some competitors
Bad 1.6/5 Trustpilot score
Travelers
Travelers has been selling insurance since 1864 and has an AM Best financial strength rating of A++ (Superior).
| User Reviews | 4.8 |
|---|---|
| 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. | 8.5 /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. | $99/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. | $186/mo |
4.8
Best choiceBased on 994 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 (503)
Janet
Verified Review
I don't need more stress
Reviewed in South Carolina on November 2025
I have had issues with their billing. Because my payment was a few dollars off, they canceled my policy. Too much stress.
Lance
Verified Review
Seniors Get No Respect
Reviewed in Pennsylvania on November 2025
Way too expensive, especially for seniors. I now drive 10-15 miles a day at best. I don't use the vehicle much; it sits most of the time.
Paul
Verified Review
Poor system for customer service!
Reviewed in Pennsylvania on November 2025
Good until I tried to reach them and talk to a human. Tried 3 times, and each time I was forwarded to the voicemail of a woman on vacation and not available! After the 3rd time, I changed insurance companies for my homeowners and car insurance policies!
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
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
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National General DynamicDrive vs. Travelers IntelliDrive
National General’s DynamicDrive is a telematics program that tracks various driving habits, like speeding, abrupt braking, and phone handling. It also keeps tabs on when you drive. You can download the mobile app and score 10% off your premiums if you sign up. You have the potential to save even more if you prove you’re a safe driver who follows the speed limit.[1]
Travelers’ IntelliDrive is similar to DynamicDrive in that it tracks your driving behavior. If you demonstrate safe driving, you can earn up to 30% off your rates.[2] But if you demonstrate high-risk driving behavior, your car insurance costs may increase. To enroll in IntelliDrive, all you have to do is install the app on your phone.
National General vs. Travelers: Which is the cheapest?
National General is the cheapest insurance company across many driving categories. But your average insurance rate will ultimately depend on factors like your location, past violations, credit history, annual mileage, whether you need high-risk auto insurance, which discounts you qualify for, and more.[3]
National General: Cheapest for drivers with a clean driving record
National General is the cheaper car insurance company for people with a clean driving record.
Driver Type | National General | Travelers |
|---|---|---|
| Clean driving record | $95 | $99 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General: Cheapest for drivers with a speeding ticket
Drivers with a speeding ticket on their record can likely find cheaper premiums and a more affordable price through National General.
Driver Type | National General | Travelers |
|---|---|---|
| Drivers with a speeding ticket | $117 | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Travelers: Cheapest for teen drivers
Teen drivers and other young drivers may earn slightly lower rates with Travelers.
Driver Type | National General | Travelers |
|---|---|---|
| 18-year-old | $212 | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General: Cheapest for senior drivers
Senior drivers can find slightly more affordable car insurance coverage with National General.
Driver Type | National General | Travelers |
|---|---|---|
| Senior drivers | $68 | $73 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General: Cheapest for drivers with bad credit
National General has cheaper rates for drivers with bad credit.
Insurers typically consider your credit history when determining premiums. Generally, drivers with a poor credit score pay higher premiums than drivers with good or excellent credit.
Driver Type | National General | Travelers |
|---|---|---|
| Drivers with bad credit | $116 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: National General vs. Travelers
National General and Travelers provide standard auto insurance products to protect you after a car accident, including bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist coverage. The companies also offer full-coverage insurance, which includes collision and comprehensive coverage.
Both insurance companies sell unique coverages to help customize your insurance policy beyond your state’s minimum liability limits, but National General has slightly fewer options than Travelers. For example, Travelers allows drivers to add gap insurance, rental car reimbursement, and rideshare coverage, whereas National General offers accidental death and dismemberment coverage.
Fortunately, both insurers have accident forgiveness, which can come in handy if you have to file a car insurance claim for compensation from your insurer.
Here’s a quick snapshot of each company’s add-on coverage offerings.
Coverage | National General | Travelers |
|---|---|---|
| Gap insurance | No | Yes |
| Accident forgiveness | Yes | Yes |
| Rental car reimbursement | No | Yes |
| Rideshare coverage | No | Yes (in CO and IL only) |
| Roadside assistance | Yes | Yes |
| Accidental death and dismemberment | Yes | No |
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Compare discounts: National General vs. Travelers
Travelers has more car insurance discounts than National General, but neither insurer advertises all available discounts online, as they often vary by state. It’s a good idea to reach out to a car insurance agent or get a quote on the car insurance company’s website to find out which discounts might apply to you.
The table below compares the advertised discounts of National General and Travelers to help you earn the cheapest rates.
Discount | National General | Travelers |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | No | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | Yes | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | Yes |
| Military/affiliation | No | Yes |
| Good student | No | Yes |
| Loyalty | No | No |
| Auto-pay | Yes | Yes |
| Student away at school | No | Yes |
| Homeowner | No | Yes |
| Alternative fuel | No | Yes |
National General vs. Travelers FAQs
The following information can help answer your remaining questions about car insurance from National General and Travelers and find the best auto insurance policy for your situation.
Why is National General insurance so cheap?
National General offers cheap rates and several discounts, and the company’s DynamicDrive telematics program can also lower drivers’ insurance rates. You should always compare car insurance quotes from multiple different companies to find the lowest rates for your specific needs.
Your insurance rate will depend on a number of factors, including whether you have past violations like an at-fault accident or DUI conviction, the number of vehicles on your policy, and more.
Is Travelers the biggest insurance company?
Like State Farm and Progressive, Travelers is one of the largest insurers in terms of market share and premiums written. Travelers is the ninth-largest company selling private passenger auto insurance, according to the National Association of Insurance Commissioners.[4]
Is Travelers the same as Nationwide?
No. Travelers is a slightly larger insurance company than Nationwide. But both car insurers offer a variety of coverage levels and discounts. You should explore each one if you’re looking for a new auto insurance policy with a better average rate.
Is Travelers Insurance a reputable company?
Yes. Travelers has been in the insurance industry since 1864. In addition to its long-standing history, the insurance company holds an A++ (Superior) financial stability rating from AM Best. It’s one of the best car insurance companies in the U.S.
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Sources
- National General. "DynamicDrive."
- Travelers. "IntelliDrive."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- 2023 Property and Casualty Market Share. "National Association of Insurance Commissioners."
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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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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.