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
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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 HalachevVice President of Engineering
  • 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 March 26, 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 $62 per month for liability insurance from Allstate and $90 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.

FactorAllstateTravelers
IQ Score4.24.3
J.D. Power customer satisfaction score806 out of 1,000814 out of 1,000
Average quote: liability only$62$90
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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]

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$62/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.
$139/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Anitra - March 26, 2024
Verified

Fair

I'm not happy with the way they changed my policy. The price went from $122 to $401.

Palline - March 26, 2024
Verified

I feel discouraged

Customer service varies greatly depending on the agent.

Sherry - March 25, 2024
Verified

Happy Camper

Any time I call for clarification on a question, it's handled immediately and in a manner I can understand. I have confidence in the office I deal with and I am assured that I receive all my discounts.
Read our Allstate review

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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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$90/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.
$198/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

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

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-term customer with minor rate reduction

The premium is too much for what I need.

Abbas Ali - March 12, 2024
Verified

Hiding the Facts

They require you to install the telematics app on your phone to monitor your driving for 90 days, after which I was supposed to receive up to a 20% discount. I scored very high and was told the discount would be applied when I renew next year. This was absolutely untrue.
Read our Travelers review

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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 $62 per month for liability coverage and $139 for full coverage. To compare, Travelers policyholders pay an average of $90 per month for liability and $198 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 TypeAllstateTravelers
Clean driving record$62$90
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 TypeAllstateTravelers
Drivers with a speeding ticket$71$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 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 TypeAllstateTravelers
18-year-old$107$164
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 TypeAllstateTravelers
Drivers with bad credit$67$99
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 TypeAllstateTravelers
Senior drivers$49$68
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.

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.

DiscountAllstateTravelers
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." Accessed February 13, 2024
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed February 13, 2024
  3. J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds." Accessed February 13, 2024
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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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