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AAA vs. Travelers: Which provider is better?

AAA vs. Travelers

Trying to decide between AAA and Travelers for car insurance? We’ve got you covered. Our side-by-side comparison will give you the info you need to make your decision. But first, some background on each provider.

Everyone knows AAA for its roadside assistance and travel discounts, but it also provides car insurance. In order to get coverage through AAA, you’ll need to be a member, which costs up to $100 annually. But with that membership you’ll get perks like travel planning, home lockout service, entertainment discounts and more.

Travelers has been around for more than 150 years and earns an A from the Better Business Bureau. And its five-step guide helps you find the exact coverage you need at the lowest rates you’re eligible for.

Now, let’s dive into the details of AAA and Travelers…

AAA

Travelers

OVERVIEW

OVERVIEW
About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY. Use the handy online quote tool to build your perfect policy or call an agent for a personal touch.
States served
States served AK, AZ, CA, MT, NV, UT and WY All states except AK, HI, KS, MI, ND, SD, WV, WY

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods online
email
phone
online
phone
Payment schedule
Payment schedule 12 months
6 months
monthly
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes, up to 37% Yes, up to 5%
Military discount
Military discount No No
Multi car discount
Multi car discount Yes, up 27% Yes, up to 8%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes, up to 10%
Safe driver discount
Safe driver discount Yes, up to 20% Yes, up to 8%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, up to 14% Yes, 8%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

If you’re looking for the perks that come with a AAA membership, you might want to consider getting insurance through AAA. But if cost is your main concern, be sure to compare the discounts that each provider offers to determine which one will save you the most money.

If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to AAA and Travelers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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