Why you can trust The Zebra
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
GEICO vs. Travelers: What's the difference?
The Zebra's choice: Travelers
While scores for both companies are similar, Travelers offers lower rates on average.
GEICO:
- Cost: $79/month for full coverage
- Customer service: 4
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4.5
- Overall rating: 3.8
GEICO comes out on top when it comes to customer service and digital experience
Travelers:
- Cost: $61/month for full coverage
- Customer service: 3.8
- Claims handling: 3
- Digital experience: 3.8
- Trust: 4.5
- Overall rating: 3.8
Travelers takes the win for cheaper rates, claims handling, and better trust scores
GEICO vs. Travelers: rates for high-risk drivers
If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, your insurance premiums are likely to be higher. Those with a DWI may find Travelers preferable to rates offered by GEICO. However, GEICO's rates for most other infractions remain relatively affordable. Remember that each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.
RATES BY CITATION: TRAVELERS VS. GEICO
| Violation | GEICO avg. annual premium | Travelers avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | n/a |
| At-fault accident (damage > $1,000) | $1,580 | n/a |
| DUI/DWI | $2,550 | $2,004 |
| Reckless driving | $2,238 | n/a |
| Speeding ticket | $1,395 | $1,752 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
GEICO vs. Travelers: rates by age
Insurance companies use a driver's age as an estimator of risk. An auto insurance policy is usually priciest for teen drivers because of their increased odds of being involved in an accident. Rates tend to get more affordable as drivers age. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.
As a general rule, teen drivers will pay more for coverage. However, both GEICO and Travelers tend to be more affordable for teens than many competitors. Take a look at how other age groups compare below.
RATES BY AGE: TRAVELERS VS. GEICO
| Age tier | GEICO avg. annual premium | Travelers avg. annual premium |
| Teens | $3,508 | $3,622 |
| 20s | $1,438 | $1,645 |
| 30s | $1,218 | $1,348 |
| 40s | $1,189 | $1,237 |
| 50s | $1,160 | $1,167 |
| 60s | $1,065 | $1,165 |
Costs aside, GEICO and Travelers both have intriguing qualities, including discount programs, customer satisfaction ratings and policy add-ons. Be sure to get quotes and compare rates before making your final decision.
Compare rates and start saving today!
GEICO vs. Travelers: discount comparison
Car insurance discounts can help you bring down your insurance premiums. Take a look at the discounts available from GEICO and Travelers below.
In addition to the discounts above, GEICO also offers a senior citizen discount to qualifying drivers.
Telematics options: GEICO vs. Travelers
GEICO and Travelers have both moved into the realm of telematics car insurance in recent years. For safe drivers, this can lead to reduced rates. Take a look at the comparison below to see if one option stands out for your insurance needs.
GEICO Drive Easy Pro is an app that tracks your driving habits to better assess your level of risk. For safe drivers, this can sometimes result in cheaper rates. Currently, the app is rated on app stores at 3.5 out of 5 stars (both Google Play and the Apple Store).
Travelers IntelliDrive offers drivers the chance to save up to 20%. Participating policyholders must download a mobile app that tracks your driving habits for 90 days, after which time you might see savings. Bear in mind that this program is not available in all states.
Zebra tip: Explore telematics offerings from both companies
While GEICO boasts great online reviews overall, its telematics app suffers lower scores across multiple platforms. Travelers, on the other hand, scores quite well. Still, both options could be worthwhile to safe drivers.
Roadside assistance: GEICO vs. Travelers
No one wants to be caught on the side of the road after a breakdown. Check out the different roadside assistance packages offered by both GEICO and Travelers below.
GEICO
GEICO's roadside assistance offers the following:
- Towing
- Jump starts
- Tire changes (when you have a spare)
- Up to $100 for lockout services
- Fuel delivery
- Winching for stuck vehicles (depending on severity)
Travelers
Travelers offers two tiers of Roadside assistance, both available 24-hours a day. Have a look at how each package compares below:
| Plan features | Basic plan | Premier Roadside Assistance |
| Towing |
Yes (up to 15 miles) |
Yes (up to 100 miles) |
| Jump starts |
Yes |
Yes |
| Fuel Delivery |
Yes |
Yes |
| Flat tire change |
Yes |
Yes |
| Lockout services |
Yes |
Yes |
| Winching services |
Yes |
Yes |
| Trip interruption coverage* |
No |
Yes |
| Personal property coverage** |
No |
Yes |
*Covers up to $200 per day, up to a maximum of $600
** Provides $500 of coverage for personal property damaged or stolen
GEICO vs. Travelers: home insurance
While both companies are major providers of auto insurance, Travelers has a much larger presence in the home insurance market. GEICO offers homeowners insurance through a number of partner companies instead of under its own banner. That said, both companies can offer a variety of coverage types with plenty of add-ons that many homeowners could find sufficient. Read more about each company's home insurance offerings in our comparison below.
GEICO homeowners insurance review
While not as large a portion of its business as auto insurance, homeowners coverage remains an important part of GEICO's product offerings. The company partners with many insurers throughout the nation to provide home insurance. Still, customer service scores and third-party ratings remain high.
- The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance coverage earned a relatively high score in The Zebra's 2021 customer satisfaction survey.
- Claims satisfaction (J.D. Power) – Not rated
- Customer satisfaction (J.D. Power) – Not rated
- Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing.
- NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.
Travelers homeowners review
As with its auto coverage, Travelers has a large footprint in the home insurance space. The company has a variety of coverage options, discounts and reasonable rates overall. However, the company's homeowners offering didn't do quite as well in The Zebra Customers Satisfaction Survey. Find out more about the company and their ratings below.
- The Zebra Customer Satisfaction Survey — 4.3/5: Travelers received a 4.3 out of 5 in The Zebra's survey of customer satisfaction, 14th out of 15 companies.
- Claims satisfaction (J.D. Power Rating) — Average: In J.D. Power's most recent property claims satisfaction report, Travelers came in just below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Travelers fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Excellent: According to AM Best, Travelers has strong financials and will be able to handle your claims.
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Travelers' homeowners insurance, falling just below the national complaint index.
Which company comes out on top?
Tie
Both GEICO and Travelers can pair customers with respectable homeowners policies. Because GEICO doesn't actually underwrite their own policies, it's harder to rate them higher than Travelers. For that reason, we feel that both companies are worth exploring for homeowners insurance.
GEICO vs. Travelers: home insurance rate comparison
Travelers's average annual homeowners insurance rate is $1,500. Because GEICO does not underwrite its own homeowners policies, it's more difficult to provide accurate rate data.
Your individual rates are likely to vary from one company to another. This is because companies have different methods for underwriting. Rates are highly dependent upon both where you live and your individual profile. Some companies, for instance, may place more weight on factors such as area crime, proximity to fire-fighting services and the age of your home. For this reason, it's highly recommended that you shop for homeowners quotes from a many different sources, as this will likely lead you to the best rate.
Based on the data we have available, Travelers has the cheapest home insurance rates at around $125 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
GEICO vs. Travelers: homeowners discount comparison
Home insurance discounts are a great way to save money on your premiums. Both companies offer such discounts, though Travelers provides substantially more options for finding savings.
| Discount comparison | GEICO | Travelers |
|---|---|---|
| Claims free | ✓ | |
| Recent home buyer | ✓ | |
| Multi-policy | ✓ | ✓ |
| Early signing | ||
| Newer/more durable roof | ||
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ||
| Auto pay | ✓ | |
| Green home | ✓ |
It's important to note that there may be more options for discounts through GEICO's partner companies.
Other insurance products and bundling options
GEICO and Travelers both have options for bundling multiple policy types. Bundling policies can lead to savings in many cases. See our table below for a side-by-side comparison.
| Other products | GEICO | Travelers |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | |
| Umbrella | ✓ | ✓ |
| Offroad vehicles and ATVs | ✓ | ✓ |
| Pet | ✓ | ✓ |
Find the best insurance policy for your needs.
Frequently asked questions: GEICO vs Travelers
RECENT QUESTIONS
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
