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USAA vs. Travelers: Which provider is better?

USAA vs. Travelers

Updated

Fact checked

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.

Our top pick: USAA

Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members.

  • 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
 

USAA

Travelers

OVERVIEW

OVERVIEW
About the provider
About the brand Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members. 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

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No Optional
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
Learn more
Learn more

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.

Compare alternatives to USAA and Travelers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
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.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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