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AAA vs. Travelers: Which provider is better?

AAA vs. Travelers


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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…





About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. Travelers' five-step online guide takes the frustration out of building the perfect policy.
States served
States served All 50 states All states except AK, HI, KS, MI, ND, SD, WV, WY


Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Optional
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes
Claims methods
Claims methods online
Payment schedule
Payment schedule 12 months
6 months


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, 10-23%
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
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Compare up to 4 providers

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