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USAA vs. Travelers: Which insurer is better?

Both insurer offer discounts to bring down your rates, but USAA stands out for top rated customer support year after year.

Our top pick: USAA

USAA logo
  • USAA won Finder's best pick for military drivers 3 years in a row
  • Some of the lowest rates and highest customer satisfaction
  • Geared for military, including overseas car-buying support and flexible payments
  • 24/7 online policy management from bills to claims
  • Earn dividends from company profits
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Roslyn McKenna
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USAA has been proudly serving our military since 1922, while Travelers has been providing insurance for more than 150 years. Both companies have a great reputation for customer service, with USAA receiving an unheard of 5 out of 5 rating from J.D. Power.

Both insurance companies offer discounts to bring down your costs, like USAA’s defensive driver discount and Traveler’s pay in full discount. However, USAA is our top pick for its top-rated customer service year after year. If you don’t qualify for USAA, Travelers is still a solid option.

Review our comprehensive comparison of coveage and discounts to further compare which insurer fits your needs best.

USAA

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Travelers

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OVERVIEW

 OVERVIEW
About the provider
About the brand Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. Use the handy online quote tool to build your perfect policy or call an agent for a personal touch.
States served
States served All 50 states & DC
 All states except AK, HI, KS, MI, ND, SD, WV, WY

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional 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
Phone
 online
phone
Payment schedule
Payment schedule 12 months
6 months
custom
 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 Yes, up to 5%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes 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 Yes, up to 8%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes, 8%
Usage based discount
Usage based discount Yes No
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Bottom line

If you’re a current or former member of the military or the family member of one, USAA is a no-brainer. But if you don’t qualify for insurance with USAA, Travelers is a solid choice. If neither company fits your needs, compare car insurance companies to find the best insurance company for you.

Compare alternatives to USAA and Travelers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Progressive
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.
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The AARP Auto Insurance Program from The Hartford
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.
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Root
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.
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Savvy
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.
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