4.8out of 3,000+ reviews

AAA vs Travelers Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Travelers
80
What is this?

Insurify Composite Score

AAA VS Travelers
85
80
What is this?
User Ratings
OptionsAAA Travelers
Rating/Reviews
411 reviews
395 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Travelers
Call Center RepresentativeThe restAbout average
Insurer WebsiteThe restAbout average
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Travelers
Claim ServicingAbout averageAbout average
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA Travelers
California840 pt
Better than most
--
Central833 pt
Better than most
814 pt
The rest
Florida--810 pt
The rest
Mid-Atlantic--820 pt
The rest
New England--804 pt
The rest
New York--821 pt
About average
North Central808 pt
The rest
805 pt
The rest
Southeast--822 pt
About average
Southwest--809 pt
The rest
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA Travelers
Android
24,330 Reviews
146 Reviews
iOS
737 Reviews
49 Reviews
Financial Ratings
OptionsAAA Travelers
A.M. BestAA++
Fitch--AA
Moody's--Aa2
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityAAA Travelers
Chicago--$78
Philadelphia--$99
Phoenix--$81

For Single Drivers

CityAAA Travelers
Chicago--$78
Philadelphia--$125
Phoenix--$86

For Male Drivers

CityAAA Travelers
Chicago--$76
Philadelphia--$117
Phoenix--$85

For Female Drivers

CityAAA Travelers
Chicago--$79
Philadelphia--$108
Phoenix--$82

For Drivers with Speeding Ticket

CityAAA Travelers
Chicago--$100
Philadelphia--$179
Phoenix--$114

For Drivers with No Speeding Ticket

CityAAA Travelers
Chicago--$73
Philadelphia--$103
Phoenix--$77

For Drivers Age Between 18-40

CityAAA Travelers
Chicago--$78
Philadelphia--$122
Phoenix--$89

For Drivers Age Between 40-65

CityAAA Travelers
Chicago--$72
Philadelphia--$90
Phoenix--$74

For Drivers Age of 65+

CityAAA Travelers
Chicago--$98
Philadelphia--$156
Phoenix--$98

For Drivers with Average Credit

CityAAA Travelers
Chicago--$85
Philadelphia--$123
Phoenix--$91

For Drivers with Fair Credit

CityAAA Travelers
Chicago--$89
Philadelphia--$120
Phoenix--$95

For Drivers with Good Credit

CityAAA Travelers
Chicago--$71
Philadelphia--$91
Phoenix--$74

For Drivers with Excellent Credit

CityAAA Travelers
Chicago--$66
Philadelphia--$114
Phoenix--$73

Quotes & Discounts

Discount typeAAA Travelers
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Up to 7%
teenSMARTUp to 24%--
Good DriverUp to 20%--
Anti-Theft DeviceUp to 17%--
Good StudentUp to 14.5%Up to 8%
Multiple VehicleUp to 12.5%Up to 8%
Multiple PolicyUp to 11.8%Up to 13%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%Up to 10%
Paid in fullUp to 7.8%Up to 7.5%
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVaries--
Anti-lock BrakeVaries--
Driving trainingVariesUp to 8%
Home OwnerVariesUp to 5%
Low MileageVariesVaries
Original OwnerVaries--
Continuous Coverage--Up to 15%
Defensive Driver--Up to 8%
Early Quote--Up to 10%
Good Payer--Up to 15%
Hybrid/Electric Vehicle--Up to 10%
No lapse in coverage--Varies
Preferred payment--Up to 3%
Safe Driver--Up to 23%

Payment Methods

Discount typeAAA Travelers
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesAAA Travelers
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA Travelers
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yesyes
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Umbrella Policy
yesyes

Uber and Lyft driver insurance

  • AAA
  • Travelers
  • Both

Compare Insurance Products

ProductAAA Travelers
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Cyber Liability InsuranceCyber Liability Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Home InsuranceHome Insuranceyesyes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyes--
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes
Wedding and Event InsuranceWedding and Event Insurance--yes

User Reviews

  • AAA Reviews
  • Travelers Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.