Compare Esurance vs. Travelers Insurance

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Esurance and Travelers are both big insurance companies with their respective auto policies and discounts. Esurance was founded in 1999, and Travelers was founded more than a century earlier, in 1864. Both companies offer a wide range of auto discounts, and rate quite closely for financial strength and J.D. Power ratings.

While Esurance is best known for its low premiums and online claims service, it lacks a reliable roadside assistance program. Moreover, Travelers also has flexible payment plans and reasonable premiums, but has received many reviews regarding poor customer service.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Esurance Travelers
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Travelers
  • You need flexible payment plans or GAP coverage
Worst If Esurance
  • You want excellent roadside assistance
Travelers
  • You value customer satisfaction or a strong website

Special Car Insurance Discounts

Esurance Travelers
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance Travelers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance Travelers
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Esurance Travelers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance Travelers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance Travelers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance Travelers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance Travelers Car Insurance
2016 48 34
2015 67 46
2014 47 29
2013 43 165

U.S. Auto Insurance Shopping Study (2016)

Esurance Travelers Car Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Average
Pricing Average Above average
Local Agent Average Average
Call Center Representative -- Above average
Insurer Website Among the best --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Esurance Travelers Car Insurance
Overall Satisfaction Below average Average
First Notice of Loss Below average Average
Service Interaction Below average Average
Appraisal Below average Average
Repair Process Below average Average
Rental Car Experience Below average Below average
Settlement Below average Average

Financial Strength Ratings

Esurance Travelers Car Insurance
A.M. Best A+ A++
Moody's -- Aa2
S&P's -- AA

Mobile Apps

Esurance Travelers
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

Roadside Assistance

Esurance Travelers
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.