Allstate vs. Travelers Car Insurance (2021)
If you're comparing Allstate vs. Travelers auto insurance, know that they offer comparable pricing and are almost identically rated by A.M. Best and the Better Business Bureau. We will also go into what discounts both of these companies offer and how to find the most affordable auto insurance quotes for you.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jan 20, 2021
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- Both companies are more expensive than the majority of the states’ averages.
- Both companies offer discounts.
- Travelers is rated slightly higher than Allstate by A.M. Best.
If you’re here today, you’re probably in the middle of deciding who should be your next, or maybe first, insurer. You may be asking, “Allstate vs. Travelers: How much are the average rates?” We’re going to simplify the process by comparing Allstate vs. Travelers Insurance for you.
We will get into all the details, but if you’d like to learn more about Travelers Insurance in particular, be sure to read our Travelers Insurance Review.
To find which auto insurance company is for you, feel free to type your ZIP code into our helpful tool above to find reasonable auto insurance quotes in your area.
Table of Contents
What can Travelers Insurance do for you?
One of the best ways to decide if a company is right for you is to analyze pricing. Let’s take a look at a table that will show Travelers insurance rates compared to the state averages all across the country.
| State | State Average Annual Rates | Travelers Average Annual Rates | Travelers +/- Average |
|---|---|---|---|
| Alabama | $3,566.96 | $3,697.80 | +$130.84 |
| Arkansas | $4,124.98 | $5,973.33 | +$1,848.35 |
| Arizona | $3,770.97 | $3,084.74 | -$686.23 |
| California | $3,688.93 | $3,349.54 | -$339.39 |
| Connecticut | $4,618.92 | $6,004.29 | $1,385.37 |
| Delaware | $5,986.32 | $4,182.36 | -$1,803.96 |
| Iowa | $2,981.28 | $5,429.38 | +$2,448.10 |
| Idaho | $2,979.09 | $3,226.29 | +$247.20 |
| Illinois | $3,305.48 | $2,499.76 | -$805.72 |
| Indiana | $3,414.97 | $3,393.75 | -$21.22 |
| Kansas | $3,279.62 | $4,341.43 | +$1,061.81 |
| Kentucky | $5,195.40 | $6,551.68 | +$1,356.28 |
| Maine | $2,953.28 | $2,252.97 | -$700.31 |
| Massachusetts | $2,678.85 | $3,537.94 | +$859.09 |
| Michigan | $10,498.64 | $8,773.97 | -$1,724.67 |
| Mississippi | $3,664.57 | $3,729.32 | +$64.75 |
| North Carolina | $3,393.11 | $3,132.66 | -$260.45 |
| New Jersey | $5,515.21 | $4,254.49 | -$1,260.72 |
| Nevada | $4,861.70 | $5,360.41 | +$498.71 |
| New York | $4,289.88 | $4,578.79 | +$288.91 |
| Ohio | $2,709.71 | $3,135.16 | +$425.45 |
| Oregon | $3,467.77 | $2,892.19 | -$575.58 |
| Pennsylvania | $4,034.50 | $7,842.47 | +$3,807.97 |
| Rhode Island | $5,003.36 | $6,909.45 | +$1,906.09 |
| Tennessee | $3,660.89 | $2,738.52 | -$922.37 |
| Median | $3,660.89 | $3,729.32 | +$68.43 |
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As you can see, Travelers was only cheaper in 11 states. In some cases, such as Arkansas, they are far higher than the state average.
Another thing to always look out for are discounts. Accrue as many discounts as you can. Let’s look at one such discount from Travelers.
IntelliDrive is a program that you install as an app on your phone. It monitors your driving performance, and if you drive safely you could be rewarded. This is easy and very worthy of your time.
Let’s now move on to Allstate and compare what they have to offer with what we’ve read so far.
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What can Allstate do for you?
Let’s begin with Allstate insurance the way we did with Travelers, by analyzing price. Let’s take a look at a table that compares Allstate’s prices with each state average. If you’d like to learn more about Allstate, please read our Allstate review.
| State | State's Average Annual Rates | Allstate Average Annual Rates | Higher/Lower Than State Average By $ | Higher/Lower Than State Average By % |
|---|---|---|---|---|
| Alaska | $3,421.51 | $3,145.31 | -$276.21 | -8.78% |
| Alabama | $3,566.96 | $3,311.52 | -$255.44 | -7.71% |
| Arkansas | $4,124.98 | $5,150.03 | $1,025.05 | 19.90% |
| Arizona | $3,770.97 | $4,904.10 | $1,133.13 | 23.11% |
| California | $3,688.93 | $4,532.96 | $844.03 | 18.62% |
| Colorado | $3,876.39 | $5,537.17 | $1,660.78 | 29.99% |
| Connecticut | $4,618.92 | $5,831.60 | $1,212.68 | 20.80% |
| District of Columbia | $4,439.24 | $6,468.92 | $2,029.68 | 31.38% |
| Delaware | $5,986.32 | $6,316.06 | $329.74 | 5.22% |
| Florida | $4,680.46 | $7,440.46 | $2,760.00 | 37.09% |
| Georgia | $4,966.83 | $4,210.70 | -$756.13 | -17.96% |
| Hawaii | $2,555.64 | $2,173.49 | -$382.15 | -17.58% |
| Iowa | $2,981.28 | $2,965.86 | -$15.42 | -0.52% |
| Idaho | $2,979.09 | $4,088.76 | $1,109.67 | 27.14% |
| Illinois | $3,305.48 | $5,204.41 | $1,898.93 | 36.49% |
| Indiana | $3,414.97 | $3,978.81 | $563.84 | 14.17% |
| Kansas | $3,279.62 | $4,010.23 | $730.61 | 18.22% |
| Kentucky | $5,195.40 | $7,143.92 | $1,948.52 | 27.28% |
| Louisiana | $5,711.34 | $5,998.79 | $287.45 | 4.79% |
| Maine | $2,953.28 | $3,675.59 | $722.31 | 19.65% |
| Maryland | $4,582.70 | $5,233.17 | $650.47 | 12.43% |
| Massachusetts | $2,678.85 | $2,708.53 | $29.68 | 1.10% |
| Michigan | $10,498.64 | $22,902.59 | $12,403.95 | 54.16% |
| Minnesota | $4,403.25 | $4,532.01 | $128.76 | 2.84% |
| Missouri | $3,328.93 | $4,096.15 | $767.22 | 18.73% |
| Mississippi | $3,664.57 | $4,942.11 | $1,277.54 | 25.85% |
| Montana | $3,220.84 | $4,672.10 | $1,451.26 | 31.06% |
| North Carolina | $3,393.11 | $7,190.43 | $3,797.32 | 52.81% |
| North Dakota | $4,165.84 | $4,669.31 | $503.47 | 10.78% |
| Nebraska | $3,283.68 | $3,198.83 | -$84.85 | -2.65% |
| New Hampshire | $3,151.77 | $2,725.01 | -$426.77 | -15.66% |
| New Jersey | $5,515.21 | $5,713.58 | $198.36 | 3.47% |
| New Mexico | $3,463.64 | $4,200.65 | $737.01 | 17.55% |
| Nevada | $4,861.70 | $5,371.62 | $509.92 | 9.49% |
| New York | $4,289.88 | $4,740.97 | $451.08 | 9.51% |
| Ohio | $2,709.71 | $3,197.22 | $487.51 | 15.25% |
| Oklahoma | $4,142.33 | $3,718.62 | -$423.70 | -11.39% |
| Oregon | $3,467.77 | $4,765.95 | $1,298.18 | 27.24% |
| Pennsylvania | $4,034.50 | $3,984.12 | -$50.38 | -1.26% |
| Rhode Island | $5,003.36 | $4,959.45 | -$43.91 | -0.89% |
| South Carolina | $3,781.14 | $3,903.43 | $122.29 | 3.13% |
| South Dakota | $3,982.27 | $4,723.72 | $741.45 | 15.70% |
| Tennessee | $3,660.89 | $4,828.85 | $1,167.96 | 24.19% |
| Texas | $4,043.28 | $5,485.44 | $1,442.16 | 26.29% |
| Utah | $3,611.89 | $3,566.42 | -$45.47 | -1.27% |
| Virginia | $2,357.87 | $3,386.80 | $1,028.93 | 30.38% |
| Vermont | $3,234.13 | $3,190.38 | -$43.75 | -1.37% |
| Washington | $3,059.32 | $3,540.52 | $481.20 | 13.59% |
| West Virginia | $2,595.36 | $3,820.68 | $1,225.32 | 32.07% |
| Wisconsin | $3,606.06 | $4,854.41 | $1,248.35 | 25.72% |
| Wyoming | $3,200.08 | $4,373.93 | $1,173.85 | 26.84% |
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As you can see, Allstate was cheaper than the state average in only 12 states, and usually by a narrow margin. With that being said, that’s still one state more than Travelers.
Remember how we said discounts are another thing to keep a lookout for? Let’s now see what discounts Allstate offers.
Let’s look at a video that discusses one such discount, Allstate’s discount for college students.
Always inquire as to what discounts you can get that suit your needs. For instance, if you are not driving much, ask about a low-mileage discount. If you’d like to get life insurance as well, ask about a bundling discount. Use our tool to get car/home/life insurance quotes in your area.
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Company Ratings
Lastly, one of the best and most important ways to know if a company is the right insurer for you is to analyze their ratings from A.M. Best and the Better Business Bureau. Let’s take a look at a table showing these ratings for Allstate.
| Ratings Agency | Rating |
|---|---|
| A.M. Best | A+ |
| Better Business Bureau | A+ |
| Moody's | A3 |
| S&P | AA- |
| NAIC Complaint Index | 1.28 |
| JD Power | Claims Satisfaction 3/5 Shopping Study 2/5 |
| Consumer Reports | 88 |
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As you can see, both A.M. Best and the BBB gave Allstate excellent ratings of A+. This is encouraging. Now, let’s see how Travelers holds up in comparison.
| Agency | Rating |
|---|---|
| AM Best | A++ |
| Better Business Bureau (Hartford, CT - Travelers' largest office) | A+ |
| Moody's | Aa2 |
| S&P | AA |
| NAIC Complaint Index (2017) | 0.09 (below the national average of 1.0) |
| JD Power | 3 out of 5 stars for overall claims satisfaction |
| Consumer Affairs | 2 out of 5 stars based on 56 ratings |
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As you can see, Travelers did even better, at least as far as A.M. Best is concerned. So, all in all, you have two great options.
But, don’t stop at two. Type your ZIP code into our free and helpful tool below to find all of the auto insurance rates in your area and begin your thorough comparison shopping. Buy auto insurance now.