USAA vs Travelers: Which is Better for You?

Read on to see which company is best for you.

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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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

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5 Rating from The Zebra Question mark icon

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.

Pros Cons
  • Affordable rates
  • Great customer satisfaction scores
  • Other membership perks
  • Eligibility limited to those in the armed forces
Learn more

Travelers car insurance

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4 Rating from The Zebra Question mark icon

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.

Pros Cons
  • Affordable rates for most drivers
  • Wide-ranging coverage options
  • Plentiful discounts
  • Lower customer satisfaction scores overall
Learn more

Which company comes out on top?


While not all customers will be eligible for USAA's coverage, those who are can expect affordable rates and all-around great customer service. However, even those eligible may still find Travelers to be a good option.

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.

Cheapest average rates medal
Cheapest average rates

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.


Credit level USAA avg. annual premium Travelers avg. annual premium
Very Poor (300-579) $2,682 $3,224
Fair (580-669) $1,247 $1,773
Good (670-739) $1,057 $1,375
Very Good (740-799) $910 $1,182
Exceptional (800-850) $840 $1,069

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.


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
DUI/DWI $1,952 $2,004
Reckless driving $1,472 n/a
Speeding ticket $1,124 $1,752

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.


Age USAA avg. annual premium Travelers avg. annual premium
Teens $2,864 $3,622
20s $1,261 $1,645
30s $963 $1,348
40s $957 $1,237
50s $889 $1,167
60s $845 $1,165

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.


USAA VS. Travelers
Ratings comparison USAA Travelers
Financial strength (A.M. Best) Superior Superior
JD Power (claims satisfaction) Excellent Average
JD Power (customer satisfaction) Excellent Below average
NAIC rating Excellent Good
The Zebra's editorial review score 5/5 4/5
The Zebra's Customer Satisfaction Survey 4.6/5 4.3/5

Which company scores best?


USAA consistently ranks as one of the top-rated insurers in the U.S. If you're able to qualify for coverage, this insurer comes with extra benefits and a good reputation.

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.

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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
survey logo

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 4,134 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.

Discount comparison USAA Travelers
Good student
Multiple policies
Multiple vehicles
Anti-theft device(s)
Anti-lock brake system
Air bags
Good driver
Defensive driver
Student away at school
Driver training
Green vehicles
Affinity membership alum
Advanced purchase
Pay in full
Home owner
eSign or ePay
New Vehicle
Annual Mileage
Continuous coverage

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.

USAA logo
USAA SafePilot

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® logo
Travelers IntelliDrive®

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 if you are a safe driver

Both USAA's SafePilot and Travelers IntelliDrive® are good options overall, and worth checking out for potential savings if you're interested in trying out telematics car insurance.

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:

  • Towing
  • Flat tire changing
  • Fuel delivery
  • Jump-starts
  • 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)
Jump starts


Fuel Delivery


Flat tire change


Lockout services


Winching services


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

tow truck

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

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5 Rating from The Zebra Question mark icon

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.
Learn more

Travelers homeowners review

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3.5 Rating from The Zebra Question mark icon

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.
Learn more

Which company comes out on top?


USAA has a strong reputation for taking care of its policyholders and is consistently rated as a top insurer. For eligible customers, USAA has a robust selection of coverage options and typically very affordable rates, making it a great choice for homeowners insurance.

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.

Cheapest average rates
Cheapest average rates

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.

Discount comparison USAA Travelers
Claims free
Recent home buyer
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc.)
Paid in full
Early signing
Auto pay
Newer home
Renovated home
Senior citizen
Green home

Zebra tip: Check out Travelers if you are seeking home insurance discounts

Travelers offers more discount options than USAA for qualifying customers. However, this doesn't necessarily mean that it will be cheaper for everyone, as every company generates quotes differently.

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.

Other products USAA Travelers
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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Other people are also asking...

What is an ADOT Code?

Your ADOT code should be listed on your ID card from Travelers. If you don't see it listed there, contact Travelers Customer service.The ADOT code identifies your insurance company to the state. If you need more information, please contact your insurance company.
Mar 16, 2018 Phoenix, AZ

Our son-in-law is a USAA member (Navy). Can we join also?

Parents are not eligible for USAA. USAA eligibility flows "downstream" — so descendants, i.e. children of a USAA member (like a veteran grandparent) would qualify, while parents and "ancestors" of USAA members do not. I would contact usaa to double-check.
Sep 8, 2019 Greenville, CA

Can I avoid paying for insurance for my car while I am away for active duty military leave?

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured. If you took the…
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What are the requirements for USAA?

USAA requires it's members to be active, retired or honorably separated officers of the US military. If you're not directly affiliated with the military, you can qualify if you're a spouse, parent (step-parent, or legal guardian) or parent-in-law. If your parent or parents were in th…
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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 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.