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…

	Travelers	AAA
About the provider	Travelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices.	AAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands on customer service.
Price	Policy costs depend your personal situation. Visit travelers for a quote based on your specific needs.	Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs.
States served	All 50 states	All 50 states
User satisfaction*	A	N/A
J.D. Power ratings**	3/5 on overall claims satisfaction	2/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	travelers	AAA
Good student	8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home.
Defensive driver
Good driver	10-23% (no accidents or violations for the past 3 or 5 years)	)
Pay in full discount	Up to 7.5%
Multicar	Up to 8%
Military
Homeowner	Up to 5%
Other discounts	Continuous insurance discount – Up to 15% (no gaps in coverage) EFT discount – 2-3% (pay through EFT or payroll deduction) Good payer discount – Up to 15% (consistent payment on time) Early quote discount – 3-10% (quote before your policy expires) Driver training discount – Up to 8%	Low annual mileage Purchase in advanced
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Vehicle discounts

	travelers	AAA
Anti-theft device
Anti-lock brake
Passive restraints		N/A
Air bag
Other discounts	Hybrid/electric vehicle – Up to 10% New car – Up to 10% (car less than 3 years old)	New vehicle discount
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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.