Compare GEICO vs. Travelers Insurance

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GEICO and Travelers are two of the top auto insurers in the nation. GEICO was founded in 1936, and Travelers was founded in 1864. GEICO ranked as the #1 auto insurer of 2016, with Travelers trailing closely behind at #3. Both companies offer a wide range of auto discounts, and have comparably strong financial strength and J.D. Power ratings.

However, Traveler’s customer service appears to be subpar, and GEICO seems to have limited coverage options. 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

  GEICO Travelers
Best If GEICO
  • You want great customer service and low premiums
Travelers
  • You need flexible payment plans or GAP coverage
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Travelers
  • You value customer satisfaction or a strong website

Special Car Insurance Discounts

GEICO Travelers
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
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 GEICO Travelers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO 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 GEICO Travelers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO Travelers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO Travelers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO Travelers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance Travelers Car Insurance
2016 144 34
2015 283 46
2014 267 29
2013 188 165

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance Travelers Car Insurance
Overall Purchase Experience Below average Above average
Policy Offerings Average Average
Pricing Average Above average
Local Agent Below average Average
Call Center Representative Average Above average
Insurer Website Average --

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

GEICO Car Insurance Travelers Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Above average Average
Service Interaction Below average Average
Appraisal Average Average
Repair Process Below average Average
Rental Car Experience Among the best Below average
Settlement Average Average

Financial Strength Ratings

GEICO Car Insurance Travelers Car Insurance
A.M. Best A++ A++
Moody's Aa1- Aa2
S&P's AA+ AA

Mobile Apps

GEICO Travelers
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app 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

GEICO Travelers
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

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.