USAA vs Travelers: Which is Better for You?
USAA or Travelers: Which company is best for you?
USAA and Travelers are each among the top insurance companies in the United States. USAA is unique, however, in that its policies are only available to members of the armed forces and certain family members, and membership is required before you can purchase a policy. Travelers has widespread brand recognition, but does not enjoy the same levels of customer satisfaction overall.
Both companies have coverage options that will satisfy the needs of most customers — but which one is right for you? Have a look at our in-depth comparison to see which company comes out on top.
USAA car insurance
USAA is unique in that customers must be in the armed forces or be close family members. The company has many insurance options that can be paired with your auto policy. Membership also allows access to other benefits, like banking services. In terms of market share, USAA comes in fifth place.
In general, USAA receives stellar ratings from customers and third-party rating agencies alike, including the top score in The Zebra Customer Satisfaction Survey. If membership is an option for you, the company is definitely worth looking into.
Travelers car insurance
Travelers is among the oldest and most well-known insurance companies in the United States. The company holds a strong reputation for providing customizable coverage at affordable prices and also offers a number of bundling options. One potential drawback, however, is that Travelers' overall customer satisfaction scores tend to be lower than many competitors. Read more below.
USAA vs. Travelers: car insurance rate comparison
Car insurance rates are determined by a number of factors, including where you live, your driving history and even your credit score (a factor in almost all states). Both USAA and Travelers weigh these factors differently, meaning that you are very likely to get a different quote from each company.
To give you a sense of how USAA and Travelers insurance rates compare rates, we've put together average rates based on a few different factors. Have a look at the figures below to get a sense of which company could be most affordable for you.
We found that USAA is more affordable than Travelers, with an average monthly cost of $106.
USAA vs. Travelers: pricing by credit score
If you have bad credit, USAA could be the way to go. Similarly, if you have fair to excellent credit, USAA is generally more affordable. Check out average insurance costs by credit tier for Travelers and USAA below.
RATES BY CREDIT LEVEL: TRAVELERS VS. USAA
|Credit level||USAA avg. annual premium||Travelers avg. annual premium|
|Very Poor (300-579)||$2,682||$3,224|
|Very Good (740-799)||$910||$1,182|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
USAA vs. Travelers: rates for high-risk drivers
If you have an at-fault accident, speeding violation, reckless driving violation or DUI on your driving record, USAA could be a better choice than Travelers. USAA was significantly less expensive for those with certain violations in their recent driving history. Every car insurance company prices policies differently after a violation, so don't be afraid to shop around to understand which insurer suits you.
RATES BY CITATION: TRAVELERS VS. USAA
|Citation||USAA avg. annual premium||Travelers avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||n/a|
|At-fault accident (damage > $1,000)||$947||n/a|
USAA vs. Travelers: rates by age
Auto insurance companies use a driver's age as an indicator of potential risk and price policies accordingly. Car insurance is commonly priciest for young drivers under the age of 25 — due to their relative inexperience compared to older drivers. Because every car insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose USAA, which we found was more affordable than Travelers. USAA was also cheapest for drivers in most age groups.
RATES BY AGE: TRAVELERS VS. USAA
|Age||USAA avg. annual premium||Travelers avg. annual premium|
Cost aside, USAA and Travelers each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons and financial stability. Dive into the data before making your decision and be sure to see personalized quotes before purchasing a policy.
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Ratings comparison: USAA vs. Travelers
Both USAA and Travelers are among the most popular car insurance companies, each commanding a sizeable segment of the car insurance market. Leading third-party information sources — including The Zebra — have evaluated the customer service and claims satisfaction standards of USAA and Travelers in recent years. To get a fairer assessment of the service you can expect to receive, we've compiled a list to compare recent ratings from each company below, including scores for financial strength, customer complaints and overall customer satisfaction.
|Financial strength (A.M. Best)||Superior||Superior|
|JD Power (claims satisfaction)||Excellent||Average|
|JD Power (customer satisfaction)||Excellent||Below average|
|The Zebra's editorial review score||5/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.6/5||4.3/5|
The Zebra's Customer Satisfaction Survey
To get a better sense of how the overall customer experience, The Zebra conducted an independent survey taking a look at many different factors. Below you'll find each company's results.
USAA topped the list as the best auto insurance carrier with an overall score of 4.6, winning in every category except Online Experience. Here are some other highlights:
- Top-rated overall
- Highly rated by both male and female respondents
- Highly rated by drivers in all age groups
Travelers auto insurance came in sixth place overall (out of 15 carriers) with a score of 4.3. The company scored well in most categories. See highlights below.
- Scored well in Online Satisfaction (4.4)
- In the top 5 for Claims and Customer Service Satisfaction
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
USAA vs. Travelers: discount comparison
Discounts on car insurance are typically quite small but they can add up to sizable savings, making it a good way for eligible drivers to save money on their premiums. See each company's available discount selections below. Note that discount availability may vary by state and other factors.
|Anti-lock brake system|
|Student away at school||✓|
|Affinity membership alum||✓|
|Pay in full||✓|
|eSign or ePay|
Travelers may offer more discounts, but keep in mind that other companies may have a cheaper car insurance quote for you. If unsure, ask a representative about discounts for which you may qualify.
Telematics options: USAA vs. Travelers
For safe drivers, enrolling in a telematics program can translate to savings. Telematics programs use technology to help track your driving habits and set a rate based on its findings on the way you drive, and in some cases, mileage.
Both USAA and Travelers offer telematics options. Have a look at the options available from both companies below.
SafePilot offers customers the chance to have their driving habits monitored in exchange for cheaper car insurance rates. A discount of 10% is offered just for signing up, with up to 30% savings possible for safe drivers at policy renewal.
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.
Roadside assistance: USAA vs. Travelers
A roadside assistance program can be a great safety net to have in case of travel emergencies. Below you can find a quick comparison of the roadside assistance options offered by both USAA and Travelers.
USAA offers the following roadside assistance services to policyholders:
- Flat tire changing
- Fuel delivery
- Lock-out service
- Stuck vehicle assistance
Another perk of USAA membership is that these services are also available at reduced rates to policyholders without roadside assistance on their policy.
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|
Yes (up to 15 miles)
|Yes (up to 100 miles)|
|Flat tire change||
|Trip interruption coverage*||
|Personal property coverage**||
*Covers up to $200 per day, up to a maximum of $600
** Provides $500 of coverage for personal property damaged or stolen
USAA vs. Travelers: home insurance
As with auto coverage, both USAA and Travelers both offer home insurance options that are sufficient for most homeowners. In The Zebra Customer Satisfaction Survey for homeowners coverage, Travelers ranked eleventh place while USAA came in first. However, price points and other benefits differ widely. See our analysis below to find out which company might be the best fit for your home insurance needs.
USAA homeowners insurance review
Similar to USAA's car insurance, customer eligibility is limited to those in the armed forces and their families. As the third most popular option for homeowners insurance in the U.S., the company's coverage is highly rated and quite popular. Most customers will find the coverage satisfactory for their needs, and policies can be amended with a good number of add-ons and opportunities to save with discounts.
USAA topped every category in the homeowners portion of The Zebra Customer Satisfaction Survey, indicating a strong focus on the customer and affirming its esteemed standing in the home insurance market.
- The Zebra Customer Satisfaction Survey — 4.6/5: USAA topped every category of our homeowners customer satisfaction survey.
- J.D. Power Rating — Among the Best: J.D. Power rates USAA above average in claims and customer service satisfaction.
- Financial strength — Superior: A "Superior" financial strength rating by A.M. Best shows USAA's ability to pay out claims is solid.
- NAIC Rating — Excellent: Regarding USAA, the National Association of Insurance Commissioners (NAIC) received relatively few customer complaints when compared to the market median.
Travelers homeowners review
In addition to its auto coverage, Travelers also has a large presence in the home insurance market. The company offers a variety of coverage options and discounts and boasts reasonable rates overall. However, Travelers' homeowners offering didn't do quite as well in The Zebra Customers Satisfaction Survey. Find out more about the company and its 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.
USAA vs. Travelers: home insurance rate comparison
USAA's average homeowners insurance rate is around $127 per month, while Travelers' monthly costs are only slightly more affordable at $125.
Similar to auto insurance quotes, each company has its own underwriting methods for homeowners insurance. This means your rates are highly likely to vary from one company to another. Learn more about the factors insurers use to price your home insurance quote.
Things such as your claims history, crime rates in your area and your proximity to fire stations can have a big impact on how much you pay. As with car insurance shopping, we suggest comparing home insurance rates from many different companies when looking for home insurance policies.
According to our data, USAA and Travelers are essentially tied with home insurance rates at around $125 and $127 per month, respectively.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
USAA vs. Travelers: homeowners discount comparison
Homeowners insurance discounts are a good way to chip away at the overall cost of your premium. To be eligible for such discounts, policyholders must meet certain criteria. See how the homeowners discounts from USAA and Travelers stack up below.
|Recent home buyer||✓|
|Newer/more durable roof|
|Protective devices (smoke/burglar alarms, etc.)||✓||✓|
|Paid in full|
Other insurance products and bundling options
USAA and Travelers both offer multiple lines of insurance. Oftentimes, these separate insurance lines can be bundled together, allowing you to streamline your insurance policies and potentially lower your costs through a multi-policy discount. While shopping for auto or home coverage, you may want to check into coverages available from USAA and Travelers. Take a look at the additional coverage types available from each company below.
|Travel trailer insurance||✓|
|Mobile home insurance||✓|
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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.