National General vs. Travelers: Which Is Best? (2024)

Travelers has high customer satisfaction scores and a wide selection of add-ons and discounts, making it our top pick.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 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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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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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 Score6.89.0
Customer satisfaction score2.73.5
Average quote: liability only$86$89
Number of discounts714
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.

National General

Founded in 1920, National General is an Allstate company that has an A- (Excellent) financial strength rating from AM Best.

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User Reviews
2.7
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.
6.8/10
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.
$86/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.
$171/mo

In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons
  • Numerous online complaints

  • Quotes may be higher than some competitors

Read more driver reviews of National General
Jerixon M - November 25, 2024
Verified

Expensive Insurance

I find National General to be too expensive.

Brianna - November 25, 2024
Verified

Inconsistent Payment Amounts

The payment amount changes every week. I've only had the insurance for a month and they initially gave me a false price.

Jahmon - November 14, 2024
Verified

The Greatest

Excellent.

Travelers

Travelers has been selling insurance since 1864 and has an AM Best financial strength rating of A++ (Superior).

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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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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$86$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.

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$104$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.

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$193$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.

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$60$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.

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$104$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.

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 insuranceNoYes
Accident forgivenessYesYes
Rental car reimbursementNoYes
Rideshare coverageNoYes (in CO and IL only)
Roadside assistanceYesYes
Accidental death and dismembermentYesNo

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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 recordYesYes
Defensive driving courseNoYes
Multi-policyYesYes
Multi-carYesYes
Low mileageYesNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesYes
New carNoYes
Military/affiliationNoYes
Good studentNoYes
LoyaltyNoNo
Auto-payYesYes
Student away at schoolNoYes
HomeownerNoYes
Alternative fuelNoYes

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.

Sources

  1. National General. "DynamicDrive."
  2. Travelers. "IntelliDrive."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. 2023 Property and Casualty Market Share. "National Association of Insurance Commissioners."
Anna Baluch
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.

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.

Featured in

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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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