Travelers vs. USAA Auto Insurance Review 2026 (Which is better for you?)
Our Travelers vs. USAA auto insurance review suggests that both insurers have competitive rates, but USAA tends to provide cheaper car insurance for eligible military members. In comparison, Travelers auto insurance rates average $125 per month while USAA's coverage costs around $102 per month.
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Table of Contents
Table of Contents
Updated January 2025
Our Travelers vs. USAA auto insurance review reveals that Travelers auto insurance costs about $125 per month and USAA at $102 monthly. USAA often provides lower rates and specialized benefits for military families, while Travelers is known for extensive service options and strong customer reviews. Evaluate these factors to determine which insurer offers the best value for your needs.
The whole process of comparing auto insurance companies can prove itself to be one stressful experience. To reduce your stress, we’re going to be narrowing our focus to Travelers and USAA today.
We will be covering both company pricing as well as company ratings today in our Travelers vs. USAA Insurance review.
Before we dive into Travelers vs. USAA auto insurances, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes from companies in your area.
- USAA offers military-focused coverage with tailored services
- Travelers averages $125/month, while USAA costs $102/month
- Travelers is widely accessible, while USAA is known for affordability
Travelers vs. USAA: Comparison of Rates for Men
When comparing auto insurance from Travelers and USAA, many prioritize the cost first, using the car insurance rating scale as a key factor.
The following table shows the rates offered to men of various ages by the largest auto insurance companies, including Travelers and USAA. These rates are for single 17 and 25-year-olds as well as married 35 and 60-year-old men. Delve into the depths of our “Liberty Mutual vs. USAA auto insurance review” for additional insights.
Male Auto Insurance Monthly Rates by Age & Provider
| Insurance Company | Age: 17 | Age: 25 | Age: 35 | Age: 60 |
|---|---|---|---|---|
 | $684 | $360 | $327 | $345 |
 | $1,140 | $302 | $286 | $280 |
 | $1,250 | $450 | $331 | $315 |
 | $805 | $309 | $243 | $223 |
 | $1,113 | $276 | $210 | $202 |
 | $467 | $167 | $127 | $112 |
 | $2,288 | $160 | $142 | $142 |
 | $919 | $249 | $171 | $163 |
As you can see, for single 17-year-old females, Travelers is over $7,500 more expensive per year than USAA. For single 25-year-old females, USAA becomes the more expensive company and it is by $800 per year. Explore further details in our “Why is my car insurance so expensive?.”
For married 35-year-old females, USAA is exactly $400 more expensive per year than Travelers. Finally, for married 60-year-old females, USAA is over $200 more expensive per month than Travelers.
So, our USAA vs. Travelers Insurance review shows that while USAA offers more affordable rates to men, Travelers offers better rates to older drivers. But overall, since USAA offers more affordable auto insurance for teen drivers by such a significant margin, we have to give the win to USAA.
Let’s determine if this remains accurate by examining rates for women of different ages using our proprietary consumer alignment technology.
Travelers vs. USAA: Comparison of Rates for Women
What we’re going to do now is similar to what we did in the last section. This time, though, we will be analyzing the rates offered to women of various ages by companies including Travelers and USAA.
Female Auto Insurance Monthly Rates by Age & Provider
| Insurance Company | Age: 17 | Age: 25 | Age: 35 | Age: 60 |
|---|---|---|---|---|
| $579 | $348 | $333 | $330 |
| $872 | $289 | $279 | $286 |
| $801 | $331 | $331 | $315 |
| $625 | $284 | $239 | $210 |
| $990 | $270 | $221 | $204 |
| $350 | $140 | $127 | $112 |
| $1,447 | $144 | $140 | $143 |
| $804 | $237 | $173 | $166 |
For single 17-year-old females, Travelers is over $7,700 more expensive than USAA annually. For single 25-year-old women, USAA is over $1,100 more expensive per year than Travelers.
For married 35-year-old women, Travelers is exactly $400 cheaper than USAA per year. Finally, for married 60-year-old women, USAA is over $200 more expensive per year than Travelers.
So, Travelers and USAA both won again. Though, again, with USAA’s considerable lead in the single 17-year-old category, we have to say they win over Travelers. Let’s see if USAA can sweep this thing by analyzing company ratings. Explore further details in our “USAA Auto Insurance Review.”
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Travelers vs. USAA: Comparing Company Reviews
Before we wrap up for the day, we must stress the importance of company ratings from organizations such as A.M. Best and the Better Business Bureau. A positive rating from one or both of these two rating organizations can give consumers confidence that an auto insurance company has and will continue to have financial strength.
The Better Business Bureau’s rating scale goes from the highest score of “A+” down to the lowest score of “F”. The Better Business Bureau gave USAA a score of “B”. Not to mention, USAA is not currently BBB accredited. What score did the Better Business Bureau give Travelers? It turns out that Travelers also is not BBB accredited. With that being said, they have the highest possible rating of “A+”.
A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D”. Not to mention, they actually have two different scales. Travelers received the highest possible rating of “A++”. What is the USAA ranking? It turns out USAA also received the highest possible rating of “A++”. Dive deeper into our “State Farm vs. Travelers” for a comprehensive understanding.
USAA’s lower monthly rate of $102 offers a clear advantage over Travelers' $125, especially for military families seeking affordable auto insurance.
Schimri Yoyo Licensed Agent & Financial Advisor
A.M. Best also has what is called Long-Term Issuer Credit Ratings (Long-Term ICR). Whereas their Financial Strength Ratings are about an insurer’s financial strength as well as its ability to meet ongoing policy and contractual obligations, a Long-Term ICR is focused on the future. A Long-Term ICR can be issued on a long-term basis or short-term basis. Expand your understanding with our “One-Day Auto Insurance.”
What ICR did Travelers receive? They received a score quite a few notches lower of “a+”. What was USAA’s ranking? They received the highest possible ICR of “aaa”. So, in short, these two companies are pretty close. However, USAA has the leg up but is only available to military members and their families. Fortunately, there is a Travelers Insurance military discount. Find out more on military auto insurance here.
Don’t let your auto insurance comparison stop with Travelers vs. USAA. Type your ZIP code into our free and helpful tool below to find affordable auto insurance rates in your area.
Frequently Asked Questions
Which is better, USAA or Travelers?
USAA generally offers better rates and is known for its excellent customer service and strong financial stability. However, USAA is only available to military members and their families. Travelers, on the other hand, is more widely available and has strong ratings, particularly with the Better Business Bureau. The choice depends on eligibility and specific needs.
How does 21st Century compare to Travelers?
21st Century is often known for its lower rates, especially for drivers with a good driving record, but it lacks some of the comprehensive coverage options and strong customer service ratings that Travelers provides. Travelers may be a better option for those looking for a more established and reputable company with a broader range of insurance products.
How do 21st Century and USAA stack up against each other?
USAA typically outperforms 21st Century in terms of customer satisfaction, financial strength, and coverage options. USAA is known for its competitive rates and superior service but is limited to military families. 21st Century offers more affordable rates for a wider audience but may not match USAA’s level of service.
How does AAA compare to USAA?
AAA is well-regarded for its roadside assistance and membership benefits, but USAA often offers better insurance rates and customer service. While AAA is available to a broader audience, USAA is exclusive to military members and their families, often providing more tailored coverage options and superior financial strength.
Which is better, American Family or Travelers?
Both American Family and Travelers offer strong coverage options and customer service. American Family is often praised for its personalized service and discount offerings, while Travelers is known for its financial strength and a wider range of insurance products. The best choice depends on individual preferences and specific needs.
How does American Family compare to USAA?
USAA generally has better rates and customer satisfaction than American Family but is only available to military families. American Family offers more accessibility and a variety of discounts but may not match USAA’s customer service or financial strength.
How does Amica compare to Travelers?
Amica is often recognized for its exceptional customer service and claims handling, frequently outperforming Travelers in these areas. Travelers, however, has a broader range of products and stronger financial ratings. Amica may be better for those who prioritize service, while Travelers is a solid choice for those looking for comprehensive options.
How do Amica and USAA compare?
Both Amica and USAA are highly rated for customer satisfaction and service. USAA often has an edge in pricing, especially for military families, while Amica is accessible to a broader audience and is known for its excellent claims process. Both companies are top-tier, so the choice may depend on eligibility and specific needs.
What is USAA’s A.M. Best rating?
USAA has the highest possible AM Best rating of “A++,” indicating superior financial strength and stability.
How does Esurance compare to Travelers?
Esurance is known for its digital-first approach and competitive pricing, especially for tech-savvy customers who prefer managing their insurance online. Travelers offers more traditional customer service and a wider range of products, with stronger financial ratings. Travelers may be a better choice for those looking for a well-established insurer with a broader selection of coverage options.
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