GEICO vs. Travelers Car Insurance (2021)

GEICO and Travelers are both top-rated car insurance providers. GEICO auto insurance is about $112 less than Travelers auto insurance on average. However, GEICO vs. Travelers car insurance rates vary for each person. Age, gender, marital status, credit score, driving record, and location are factors that impact monthly rates with both GEICO and Travelers. Compare GEICO vs. Travelers car insurance quotes to find the best rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 30, 2021

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The Highlights

  • Travelers car insurance is $102 more expensive than GEICO
  • GEICO and Travelers insurance is not the same company
  • Travelers insurance is more expensive but has more optional coverages
  • GEICO insurance has fewer coverage options but has more car insurance discounts than Travelers

Our GEICO vs. Travelers car insurance guide explains everything you need to know about how to compare car insurance rates, coverage options, discounts, and third-party ratings.

Read on to learn more about how GEICO vs. Travelers car insurance stack up. Enter your ZIP code in the free comparison tool above to compare multiple companies near you.

GEICO vs. Travelers: Which car insurance company is cheapest?

Let’s take a look at GEICO vs. Travelers auto insurance quotes.

GEICO auto insurance averages $268 per month, while Travelers auto insurance averages $370/month. That’s a $112 difference in average rates. However, your GEICO vs. Travelers car insurance rates will vary.

Several personal factors impact your auto insurance rates, such as age, gender, marital status, location, credit, score, and driving record.

Read on for breakdown of Travelers vs. GEICO car insurance.

If you want a concentrated view of both companies, check out Travelers insurance and GEICO insurance reviews for more details.

Is GEICO and Travelers car insurance more affordable across the United States?

Where you live can determine your car insurance rates. Some states are more densely populated and produce more risks than other areas in the United States.

Let’s compare GEICO and Travelers auto insurance based on location.

GEICO vs. Travelers Car Insurance Rates by State
StatesMonthly GEICO Car Insurance RatesMonthly Travelers Car Insurance Rates
Alaska$240Data Not Available
Alabama$239$308
Arkansas$290$498
Arizona$189$257
California$240$279
Colorado$258Data Not Available
Connecticut$256$500
District of Columbia$308Data Not Available
Delaware$311$349
Florida$315Data Not Available
Georgia$248Data Not Available
Hawaii$280Data Not Available
Iowa$191$452
Idaho$231$269
Illinois$232$208
Indiana$188$283
Kansas$268$362
Kentucky$386$546
Louisiana$513Data Not Available
Maine$235$188
Maryland$319Data Not Available
Massachusetts$126$295
Michigan$536$731
Minnesota$292Data Not Available
Missouri$240Data Not Available
Mississippi$341$311
Montana$300Data Not Available
North Carolina$245$261
North Dakota$222Data Not Available
Nebraska$320Data Not Available
New Hampshire$135Data Not Available
New Jersey$230$355
New Mexico$372Data Not Available
Nevada$305$447
New York$202$382
Ohio$156$261
Oklahoma$286Data Not Available
Oregon$268$241
Pennsylvania$217$654
Rhode Island$467$576
South Carolina$265Data Not Available
South Dakota$245Data Not Available
Tennessee$274$228
Texas$272Data Not Available
Utah$247Data Not Available
Virginia$172Data Not Available
Vermont$183Data Not Available
Washington$214Data Not Available
West Virginia$177Data Not Available
Wisconsin$327Data Not Available
Wyoming$291Data Not Available
*National Average$268$370
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On average, GEICO’s premiums are more affordable than Travelers’. The best or worst company depends on your needs.

If you need SR-22 insurance, it’s likely that your state has it but at a much higher rate than average.

SR-22 insurance isn’t a popular comparison on average, but GEICO and Travelers will walk you through the next step. Continue reading about how other factors affect your car insurance policy.

How do GEICO vs. Travelers car insurance calculate age, gender, and marital status?

Car insurance companies use age to gauge the driving experience of the policyholder. Meanwhile, gender and marital status correlate to the risk of filing claims.

What does this mean for Travelers vs. GEICO auto insurance? Let’s compare premiums at both companies based on age, gender, and marital status.

GEICO vs. Travelers Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Monthly Car Insurance RatesTravelers Average Monthly Car Insurance Rates
Married 60-year-old female$187$171
Married 60-year-old male$190$173
Married 35-year-old female$192$182
Married 35-year-old male$193$183
Single 25-year-old female$198$194
Single 25-year-old male$199$208
Single 17-year-old female$471$776
Single 17-year-old male$523$1,071
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Travelers insurance is more affordable for older, married drivers, but GEICO is cheaper for single, male drivers that are 25 years old and younger.

Can your credit score affect GEICO and Travelers car insurance?

According to Experian, car insurance providers charge less expensive rates to customers with good or excellent credit because they correlate to fewer chances of filing a claim.

Customers with fair or poor credit are assumed to have a higher chance to file a claim. So what does that look like for an auto insurance premium? Let’s see how GEICO and Travelers insurance reviews this factor.

GEICO vs. Travelers Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryGEICO Average Monthly Car Insurance RatesTravelers Average Monthly Car Insurance Rates
Good Credit Score (670-739)$203$338
Fair Credit Score (580-669)$249$362
Poor Credit Score (300-579)$355$430
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Travelers may have competitive rates in the last section, but GEICO is more affordable for all credit levels. If you want to save money based on credit, GEICO may be the better company.

How do driving records impact GEICO vs. Travelers car insurance quotes?

Your driving record is one of the most significant factors when determining car insurance rates. Drivers with a clean record get the lowest rates.

Let’s see how driving records affect GEICO and Travelers auto insurance.

GEICO vs. Travelers Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryGEICO Average Monthly Car Insurance RatesTravelers Average Monthly Car Insurance Rates
Clean Driving Record$179$287
With 1 Speeding Violation$220$355
With 1 Accident$266$357
With 1 DUI$406$478
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GEICO’s rates are much cheaper on every driving record infraction. Of course, every situation is different, and these average rates might not apply to you.

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GEICO vs. Travelers: Which car insurance company has more optional coverages?

Bodily injury liability and property damage liability are essential car insurance requirements.

You can add more coverage if you need it, and options vary. Let’s examine the difference between GEICO and Travelers in terms of coverage options.

GEICO vs. Travelers Car Insurance Coverage Options
GEICO Car Insurance CoveragesTravelers Car Insurance Coverages
Bodily Injury LiabilityLiability Coverage
Property Damage LiabilityComprehensive Coverage
Medical Payments coverageCollision Coverage
Uninsured & Underinsured Motorist coveragePersonal Injury Protection
CollisionUninsured/Underinsured Motorist Coverage
ComprehensiveMedical Payments Coverage
Emergency Roadside AssistanceLoan/Lease Gap Insurance
Mechanical Breakdown InsuranceRental Coverage
Rental Car ReimbursementRoadside Assistance
New Car Replacement
Accident Forgiveness
Ride Sharing
Umbrella Insurance
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Although GEICO insurance is less expensive, Travelers has more optional coverage. More features and services may be a selling point for car insurance shoppers, but make sure you’re buying what you really need.

If you’re a Uber or Lyft driver, you’ll have more luck finding coverage with GEICO since Travelers only insures ridesharing workers in two states.

How can comparing GEICO vs. Travelers car insurance discounts save you money?

Bundling insurance products is one of the methods to saving money on auto insurance.

There are a lot of other car insurance discounts, including good student discounts, safe driver discounts, and safety equipment discounts. Affordable GEICO vs. Travelers car insurance may come down to discounts.

Let’s compare GEICO and Travelers’ available car insurance discounts.

GEICO vs. Travelers Car Insurance Discounts
Car Insurance DiscountsGEICO AvailabilityTravelers Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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GEICO has four more discounts than Travelers. Although you won’t qualify for all discounts, Travelers does have a shorter list.

Financial Strength, Credit, and Consumer Complaint Data: Does GEICO or Travelers have better ratings?

User reviews can be helpful, but ratings from the top rating agencies are more reliable.

Each year the top rating agencies grade insurance companies’ financial performance and consumer feedback. The best insurance companies receive the best grade.

We’ve added GEICO and Travelers’ ratings in the list below. Let’s examine their ratings.

GEICO vs. Travelers Ratings
AgenciesGEICO RatingsTravelers Ratings
AM BestA++A++
Moody'sAa3Aa2
S&PAA+AA
NAIC Complaint Index1.140.32
J.D. Power - Auto Insurance Shopping/Claims SatisfactionAbout AverageAbout Average
Consumer Reports8990
Apple App Store (iOS)5 stars2 stars
Google Play Store (Android)5 stars4 stars
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Overall, GEICO and Travelers are evenly matched if you tally the score between them. Although both companies have a superior A.M. Best rating, Travelers has a better Moody’s ratings, and GEICO has a better S&P rating.

Travelers insurance has a lower NAIC complaint ratio and a more substantial rating at Consumer Reports. However, GEICO has better mobile app ratings.

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GEICO vs. Travelers Car Insurance: What’s the bottom line?

GEICO is a cheaper company, but Travelers has more coverage options. Most shoppers go for the most cost-efficient option, but you should aim for what best fits your situation. Before you decide whether to buy GEICO vs. Travelers car insurance, compare rates for you.

Since we have compared them thoroughly, it’s clear that these are two good but different companies. So if you’ve others asking: “Are GEICO and Travelers are the same company?”, it’s clear that they are not.

We hope you’ve learned a lot about GEICO vs. Travelers car insurance. To compare rates from top companies, use our free online quote tool today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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