Comparing quotes is the best way to get your lowest rates from top insurers like Travelers and USAA. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Travelers and USAA are two top companies in the world of insurance.Travelers was rated the #3 auto insurer for 2016. USAA has comparably strong ratings across the board. USAA is best known for its 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 discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Travelers
|
USAA
|
| Worst If |
Travelers
|
USAA
|
Travelers
Travelers IntelliDrive ProgramIf 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, you drive with the IntelliDrive device, 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 DiscountOwning a hybrid or electric car helps save energy and help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one. |
USAA |
| 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 |
| Travelers Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 34 | 245 |
| 2015 | 46 | 415 |
| 2014 | 29 | 380 |
| 2013 | 165 | 270 |
| Travelers Auto 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 |
| Travelers Auto 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 |
| Travelers Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A++ |
| Moody's | Aa2 | Aaa |
| S&P's | AA | AA+ |
|
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 Travelers Mobile app here. |
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
Travelers
Travelers Roadside AssistanceTravelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium. Basic Roadside AssistanceServices covered
Premier Roadside AssistanceCovers all services in the basic package and:
If you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only if you break down over 100 miles from home.
Up to $500 limit for items damaged or stolen in the breakdown or incident. Contact Phone NumberTravelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |