4.8out of 3,000+ reviews

Travelers vs USAA Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Travelers
80
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Travelers VS USAA
80
96
What is this?
User Ratings
OptionsTravelers USAA
Rating/Reviews
395 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsTravelers USAA
Call Center RepresentativeAbout averageAmong the best
Insurer WebsiteAbout averageAmong the best
Local AgentAbout averageAbout average
Overall SatisfactionAbout averageAmong the best
Policy OfferingsAbout averageAmong the best
PricingThe restAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsTravelers USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessThe restAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionTravelers USAA
California--894 pt
Among the best
Central814 pt
The rest
906 pt
Among the best
Florida810 pt
The rest
888 pt
Among the best
Mid-Atlantic820 pt
The rest
896 pt
Among the best
New England804 pt
The rest
893 pt
Among the best
New York821 pt
About average
900 pt
Among the best
North Central805 pt
The rest
905 pt
Among the best
Northwest--896 pt
Among the best
Southeast822 pt
About average
894 pt
Among the best
Southwest809 pt
The rest
887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionTravelers USAA
Android
146 Reviews
98,577 Reviews
iOS
49 Reviews
3,600 Reviews
Financial Ratings
OptionsTravelers USAA
A.M. BestA++A++
FitchAAAA+
Moody'sAa2Aa1
Standard & Poor'sAAAA+

Auto Insurance Quotes

For Married Drivers

CityTravelers USAA
Austin--$48
Chicago$78$47
Philadelphia$99$31
Phoenix$81$39
Santa Monica--$50

For Single Drivers

CityTravelers USAA
Austin--$61
Chicago$78$69
Philadelphia$125$41
Phoenix$86$58
Santa Monica--$89

For Male Drivers

CityTravelers USAA
Austin--$55
Chicago$76$59
Philadelphia$117$38
Phoenix$85$52
Santa Monica--$82

For Female Drivers

CityTravelers USAA
Austin--$54
Chicago$79$57
Philadelphia$108$35
Phoenix$82$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityTravelers USAA
Austin--$73
Chicago$100$85
Philadelphia$179$45
Phoenix$114$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityTravelers USAA
Austin--$51
Chicago$73$52
Philadelphia$103$35
Phoenix$77$44
Santa Monica--$59

For Drivers Age Between 18-40

CityTravelers USAA
Austin--$61
Chicago$78$71
Philadelphia$122$42
Phoenix$89$59
Santa Monica--$95

For Drivers Age Between 40-65

CityTravelers USAA
Austin--$44
Chicago$72$43
Philadelphia$90$28
Phoenix$74$35
Santa Monica--$49

For Drivers Age of 65+

CityTravelers USAA
Austin--$71
Chicago$98$66
Philadelphia$156$46
Phoenix$98$57
Santa Monica--$48

For Drivers with Average Credit

CityTravelers USAA
Austin--$59
Chicago$85$68
Philadelphia$123$41
Phoenix$91$51
Santa Monica--$68

For Drivers with Fair Credit

CityTravelers USAA
Austin--$57
Chicago$89$55
Philadelphia$120$37
Phoenix$95$46
Santa Monica--$55

For Drivers with Good Credit

CityTravelers USAA
Austin--$45
Chicago$71$47
Philadelphia$91$32
Phoenix$74$38
Santa Monica--$55

For Drivers with Excellent Credit

CityTravelers USAA
Austin--$57
Chicago$66$62
Philadelphia$114$35
Phoenix$73$57
Santa Monica--$99

Quotes & Discounts

Discount typeTravelers USAA
Safe DriverUp to 23%--
Continuous CoverageUp to 15%--
Good PayerUp to 15%--
Multiple PolicyUp to 13%Up to 9%
Early QuoteUp to 10%--
Hybrid/Electric VehicleUp to 10%--
New CarUp to 10%Varies
Defensive DriverUp to 8%Varies
Driving trainingUp to 8%Varies
Good StudentUp to 8%Varies
Multiple VehicleUp to 8%Up to 13%
Paid in fullUp to 7.5%--
Student Away at SchoolUp to 7%Up to 20%
Home OwnerUp to 5%--
Preferred paymentUp to 3%--
Low MileageVariesVaries
No lapse in coverageVaries--
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Family--Up to 10%
Good Driver--Up to 10%
Loyalty--Varies
Military--Up to 15%
Passive Restraint--Up to 15%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

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

Features and Services

Features and ServicesTravelers USAA
24/7 serviceyesyes
Accident forgivenessyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesTravelers USAA
Accident Forgiveness
yesyes
Extended Coverage
--yes
Gap Insurance
yes--
New Car Replacement Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Travelers
  • USAA
  • Both

Compare Insurance Products

ProductTravelers USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Cyber Liability InsuranceCyber Liability Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insuranceyesyes
Umbrella InsuranceUmbrella Insuranceyesyes
Wedding and Event InsuranceWedding and Event Insuranceyes--

User Reviews

  • Travelers Reviews
  • USAA Reviews
3.4
5 Stars
34 %
4 Stars
24 %
3 Stars
16 %
2 Stars
4 %
1 Star
23 %

Most Positive Review

By Ronald
When I had a minor fender bender, they jumped right in with both feet, and guided me through an auto repsir process that was, at the least, daunting, going so far as to look at the photos I submitted of the accident and determining that I was telling the truth regarding the collision, and that the man who backed into my car was, indeed, at fault - even though he claimed otherwise ( I was parked behind him).

Most Critical Review

By Jake
I had one claim on my home policy and your adjuster said I had no damage and I did not have to do anything else. Months later I got a letter saying you were not going to renew my home policy. Traverlers did not spend one penny on my home or vehicles. I guess you don't want my business.

All Reviews

Showing 1 - 10 out of 395 Reviews
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Read reviews that mention

WILLIAM
No customer service: Threating cancellation and/or paying in full, if a few days late on a over-price product
Leo
Felicia
After a year of service and no claims, Travelers had the nerve to increase my insurance premiums.
Brian
Excellent
Patrice
Terrible with handling claims
Boris
because how Mr. Louise Troy was able resolved problems we had with our policy & billing
Patricia
Theresa
Quincey
Great customer service
Joseph
They increase their rates with no reason
Showing 1 - 10 out of 395 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.