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USAA vs. Travelers: Which provider is better?

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USAA vs. Travelers

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 providers offer discounts to bring down your costs, like USAA’s defensive driver discount and Travelers’ pay in full discount. With all of these similarities, choosing one provider over the other can be difficult. That’s why we put together this comprehensive comparison, so you can choose the one that best suits your needs.

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USAA

USAA

 Travelers

Travelers
About the provider Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more. 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.
Price Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs. Policy costs depend your personal situation. Visit Travelers for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* A+ A
J.D. Power ratings** 5/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

USAA

USAA

 Travelers

Travelers
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 Good driving record for more than 5 years 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

Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21

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%

Vehicle discounts

USAA

USAA

 Travelers

Travelers
Anti-theft device
Anti-lock brake
Passive restraints N/A
Air bag
Other discounts

New vehicle discount – Vehicles under 3 years old

Vehicle storage – Up to 60% (only for stored cars being insured)

Hybrid/electric vehicle – Up to 10%

New car – Up to 10% (car less than 3 years old)

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.

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