Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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The Short of It

  • When comparing Travelers vs. USAA, USAA auto insurance is cheaper in every category.
  • Only the military, veterans, and their families can get USAA insurance.
  • Although Travelers and USAA have similar financial ratings, USAA ranks much higher for customer satisfaction.

You have a lot of options when it comes to auto insurance companies, and comparing them side by side will help you narrow down your choices. We’ll look at Travelers vs. USAA auto insurance companies to see which one might meet your needs the best.

When choosing an auto insurance company, it’s best to compare prices, discounts, financial scores, and customer satisfaction.

Read on to learn everything you need to know to decide whether to buy Travelers vs. USAA auto insurance. Enter your ZIP code to receive free quotes from multiple companies near you.

Is Travelers auto insurance or USAA auto insurance cheaper?

You may be surprised to learn how auto insurance rates are determined. To calculate your rates, auto insurance companies consider where you live, your age, driving record, credit history, and more.

These factors can make the difference in determining how affordable Travelers vs. USAA auto insurance rates are for you.

Let’s take a look at Travelers and USAA auto insurance rates to see who can offer you the best deal.

This table shows you the average annual auto insurance rates for both companies based on your age, gender, and marital status.

Travelers vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusTravelers Average Annual RatesUSAA Average Annual Rates
Single 17-year-old female$7,586.79$4,695.06
Single 17-year-old male$11,904.09$5,225.88
Single 25-year-old female$2,059.71$1,913.08
Single 25-year old male$2,165.03$2,119.73
Married 35-year-old female$1,899.93$1,484.88
Married 35-year-old male$1,914.91$1,482.91
Married 60-year-old female$1,806.15$1,395.84
Married 60-year-old male$1,882.23$1,400.76
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USAA offers the most affordable auto insurance rates, regardless of age, gender, or marital status.

Your driving record is another significant factor that auto insurance companies consider when calculating your rates. You’ll pay much more for insurance if you’ve had accidents, tickets, or DUIs than you would with a clean driving record.

Travelers vs. USAA Average Annual Rates Based on Driving Record
Driving RecordTravelers Average Annual RatesUSAA Average Annual Rates
Clean record$3,447.69$1,933.68
With 1 accident$4,289.74$2,516.24
With 1 DUI$5,741.40$3,506.03
With 1 speeding violation$4,260.80$2,193.25
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Regardless of whether you have a clean record, an accident, a speeding ticket, or a DUI, Travelers is more expensive.

Your credit score has an impact on your auto insurance rates, which may surprise you. Insurance companies believe that if you have a better credit score, you’ll be less likely to file a claim and more likely to pay for damages yourself.

Travelers vs. USAA Average Annual Rates Based on Credit History
Credit HistoryTravelers Average Annual RatesUSAA Average Annual Rates
Good$4,058.97$1,821.20
Fair$4,344.10$2,219.83
Poor$5,160.22$3,690.73
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Regardless of your credit history, USAA is the cheaper option.

In a few states, such as California and Michigan, auto insurance companies are not allowed to use your credit score to calculate your rates.

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Does Travelers or USAA have better auto insurance discounts?

Car insurance discounts are a great way to lower your rates. Most companies offer you discounts based on a variety of things, including how many policies you have, your occupation, and even your car’s safety features.

This table shows you the discounts that are offered by Travelers Insurance and USAA Insurance. If the amount of the discount is known, it is included. See which company can offer you the most discounts.

Travelers vs. USAA Car Insurance Discounts
Car Insurance DiscountsTravelers (%)USAA (%)
Anti-lock Brakesxx
Anti-Theftxx
Claim Free2312
Continuous Coverage15N/A
Daytime Running Lightsxx
Defensive Driver103
Distant Student7x
Driver's Ed83
Driving Device/App305
Early Signing1012
Family LegacyN/A10
Full Payment7.5N/A
Further EducationxN/A
Garaging/Storingx90
Good Student83
Green Vehicle10N/A
Homeowner5N/A
Low Mileagexx
LoyaltyN/Ax
MarriedN/Ax
Membership/GroupxN/A
MilitaryN/Ax
Military GaragingN/A15
Multiple Policies13x
Multiple Vehicles8x
Newer Vehicle1012
Occasional OperatorN/Ax
OccupationxN/A
On-Time Payments15N/A
Paperless/Auto Billing33
Passive Restraintxx
Safe Driver2312
Senior DriverN/Ax
Vehicle Recoveryxx
VIN Etchingxx
Young DriverN/A$75
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The majority of the discounts are the same for both companies, although there are some variations. Travelers, for example, offers a full payment discount, while USAA does not. USAA, on the other hand, has a family legacy discount, while Travelers does not.

When comparing Travelers vs. USAA auto insurance quotes, make sure to ask for any discounts available to help keep your rates as low as possible.

How do Travelers and USAA compare in financial strength and customer satisfaction?

A.M. Best ranks companies based on how financially stable they are. Travelers received an A+ rating, and USAA received an A++, meaning they both have a superior ability to meet their obligations.

The Better Business Bureau gave Travelers auto insurance an A+ grade, while USAA got an A-. Neither company is accredited.

J.D. Power rated both businesses for customer satisfaction based on factors such as what is offered, billing, price, and claims. Travelers ranked below average and USAA ranked above average.

Both companies have user-friendly websites where you can pay your bill and view your insurance details using your USAA or Travelers insurance login. You can also view your details using your Travelers or USAA login on the companies’ mobile apps.

Making a choice between Travelers vs. USAA auto insurance can be difficult. Weigh the pros and cons to determine if either company is right for you. If you’re ready to keep shopping around, enter your ZIP code to compare quotes from multiple companies near you.