Compare Travelers vs. USAA Insurance

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Travelers and USAA are two top companies in the world of insurance. Travelers was founded over a century ago in 1864, and USAA was founded in 1922. Travelers was rated the #3 auto insurer for 2016, and USAA has comparably strong ratings across the board. USAA is best known for its impeccable customer service, coverage benefits, and high financial strength and J.D. Power scores.

Travelers is also liked for its great GAP coverage, excellent claims management, and flexible payment options. However, Travelers lacks necessary website resources, and USAA only serves military personnel and their immediate families.

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

  Travelers USAA
Best If Travelers
  • You need flexible payment plans or GAP coverage
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Travelers
  • You value customer satisfaction or a strong website
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Travelers USAA
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.

USAA

Standard Car Insurance Discounts

Bundling Coverage Discounts Travelers USAA
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Travelers USAA
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 Travelers USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Travelers USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Travelers USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Travelers USAA
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Travelers Car Insurance USAA Car Insurance
2016 34 245
2015 46 415
2014 29 380
2013 165 270

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Travelers USAA
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

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

Travelers USAA
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.

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.