Allstate vs. Travelers Auto Insurance in 2025 (Side-by-Side Review)

Allstate vs. Travelers auto insurance offers distinct advantages—Allstate’s Drivewise rewards safe drivers with up to 40% savings, while Travelers’ IntelliDrive tracks habits for a 30% discount.

Travelers has fewer complaints per NAIC data, while Allstate provides accident forgiveness. Travelers is best for budget-conscious drivers, whereas Allstate offers better bundling discounts.

Allstate vs. Travelers Auto Insurance Rating

Travelers also has lower rate increases for poor credit, making it a stronger choice for those with financial challenges.

Take accident rates, for instance—Travelers charges $199 per month after one accident, while Allstate jumps to $321, creating a $1,464 yearly difference.

Enter your ZIP code to compare affordable vehicle insurance rates in your area if all you’re searching for is coverage to drive lawfully.

Age and Gender Impact on Allstate vs. Travelers Rates

Younger drivers pay the highest rates for auto insurance, which vary by gender and age. Unless you’re a teen or a middle-aged driver, you’ll probably find better prices with Travelers when comparing Allstate and Travelers vehicle insurance.

Allstate vs. Travelers Full Coverage Auto Insurance Monthly Rates

Travelers charges $1,298 for 16-year-old men, which is significantly higher than Allstate’s $910. Female teen drivers also pay more with Travelers ($1,026, against $868 with Allstate). By age 30, Travelers is the best price for women at $142 per month, while Allstate costs $240.

For 45-year-old males, Allstate wins with $228 compared to Travelers’ $248, but females still save more with Travelers at $139. Seniors get the best rates with Travelers, with 60-year-old women paying just $127, while Allstate charges $214. The numbers make it clear—Travelers is usually the cheapest, but Allstate has a few pricing advantages depending on your age and gender.

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Driving Records Impact Allstate vs. Travelers Rates

Your driving history has a big impact on what you’ll pay for car insurance. Allstate vs. Travelers auto insurance rates show that Allstate is slightly cheaper for safe drivers, but Travelers is the better deal if you have tickets, accidents, or a DUI.

Allstate vs. Travelers Full Coverage Auto Insurance Monthly Rates by Driving Record

Drivers with no violations pay $228 with Allstate, compared to $248 with Travelers, making Allstate the better pick for safe drivers. However, Travelers becomes the cheaper choice for riskier drivers, charging $192 for a ticket versus Allstate’s $268 and $199 for an accident compared to Allstate’s $321.

The biggest gap is for DUIs—Allstate charges $385, while Travelers stays lower at $294. If your record isn’t perfect, Travelers will save you more, but Allstate might be worth it if you want accident forgiveness and bundling discounts.

Comparing Allstate vs. Travelers Auto Insurance for Credit-Based Pricing

Not all auto insurers use the same formula to determine your premium; your credit score is a major factor. Travelers Insurance vs. Allstate auto insurance rates show that Travelers is the cheaper option for every credit level, with the biggest savings for drivers with lower scores.

Full Coverage Insurance Monthly Rates by Credit: Allstate vs. Travelers

Good-credit drivers save $30 monthly by paying $142 with Travelers instead of $172 with Allstate. Travelers is priced at $173 for those with fair credit, whereas Allstate Insurance Company is priced at $203, a $30 discrepancy. For drivers with bad credit, the difference is even more pronounced: Allstate charges $275, while Travelers charges $231, saving $44 a month or $528 a year.

Travelers also increases rates more gradually across credit tiers, making it a better choice for drivers whose scores may fluctuate. Since some states prohibit credit-based auto insurance, check your local laws before selecting a policy.

Best Discount Savings for Allstate vs. Travelers Auto Insurance

Discounts can seriously cut down your auto insurance bill, and Travelers vs. Allstate auto insurance discounts show big differences. Allstate wins with bundling, good driver perks, and military savings, while Travelers offers better deals on anti-theft and pay-in-full auto insurance discounts.

Allstate vs. Travelers Auto Insurance

Allstate Insurance Company offers a 25% bundling discount, making it the better choice for policyholders who combine auto and home insurance, compared to 13% with Travelers. Good drivers save 25% with Allstate, while Travelers only reduces rates by 10%. Travelers provides a 15% discount for anti-theft devices, while Allstate only gives 10%.

Paying in full gets 15% off with Travelers but just 10% with Allstate. Military personnel receive 25% off with Allstate, while Travelers only offers 10% off. If you qualify for multiple discounts, Allstate Corporation is the stronger option, while Travelers may be better for drivers looking for upfront savings.

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Side-by-Side Comparison of Allstate vs. Travelers Coverage

Allstate and Travelers both give complete range auto insurance plans. They take care of everything starting from what state needs to additional strong features that improve safety and adaptability. The assortment of coverage shown in the table demonstrates their dedication to offering normal as well as unique choices for different driving requirements.

Auto Insurance Coverage Offered by Allstate vs. Travelers

Both insurers include essential coverages like liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), and medical payments (MedPay). When it comes to add-ons, Allstate and Travelers both provide accident forgiveness, new car replacement, roadside assistance, rideshare insurance, rental reimbursement, and gap coverage.

They also provide historic auto protection for older models and coverage for customized components and equipment for vehicles that have been modified. Telematics programs—Drivewise from Allstate and IntelliDrive from Travelers—help safe drivers save based on real-time behavior.

While both are closely matched in offerings, Allstate also includes options like sound system insurance and deductible rewards, whereas Travelers provides premier options like accident-free discounts and minor violation forgiveness, depending on your location.

Key Factors to Consider in Allstate vs. Travelers Ratings

Allstate vs. Travelers auto insurance evaluations suggest that Allstate has better business operations and better customer satisfaction, while Travelers leads in stability and less complaints.

Insurance Business Ratings & Consumer Reviews: Allstate vs. Travelers

Travelers earns 691/1,000 in J.D. Power, slightly above Allstate’s 684/1,000. Consumer Reports rates Travelers 76/100 vs. Allstate’s 74/100, showing stronger feedback. Travelers has fewer complaints, with a 1.12 NAIC complaint index vs. Allstate’s 1.45. A.M. Best gives Travelers an A++ for financial strength, while Allstate holds an A+. Allstate is rated A for superior business practices, while Travelers gets an A for good practices.

Market share shows how big auto insurance companies are compared to their competitors. Allstate vs. Travelers auto insurance data makes it clear that Allstate has a much bigger presence, while Travelers holds a much smaller slice of the pie. Allstate controls 10.37% of the market, making it one of the larger auto insurers.

Travelers, on the other hand, only holds 2.08%, meaning fewer drivers choose them. The majority—87.55%—go with other companies, which shows how competitive the industry is.

Allstate’s size means more brand recognition and a wider customer base, while Travelers focuses more on competitive pricing to attract specific types of drivers. If you’re choosing between them, it helps to consider how company size affects customer service, claims, and pricing.

On Reddit, one user shared their take on the whole Allstate vs. Travelers debate. They said they don’t work for either company but have had a harder time dealing with Allstate and have heard more complaints about them from customers.

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They would therefore recommend looking into comparable businesses with lower prices or lean toward Travelers. Even though every person’s experience is unique, this type of comment serves as a helpful reminder to consider factors other than price. As the Reddit user said, before choosing a company, it’s worthwhile to observe how they manage customer service.

Allstate and Travelers Use Telematics to Cut Costs

Allstate Indemnity Company offers full coverage auto insurance across the country, with add-ons that give drivers extra protection where it counts. You can add accident forgiveness to avoid a rate hike after your first at-fault crash or choose rideshare insurance coverage if you drive for services like Uber or Lyft. There’s also custom parts and equipment coverage, which protects upgrades like custom wheels or sound systems—up to $5,000.

Allstate’s standout program is Drivewise, built into the mobile app, which tracks behaviors like hard braking, speed over 80 mph, and late-night driving between 11 p.m. and 4 a.m. Drivers receive cashback and policy discounts up to 40% for maintaining safe habits. Drivewise also gives immediate feedback through driving reports and tips, making it easy to improve and save over time.

The Travelers Companies, Inc., established in 1853, now operates out of New York City and offers robust auto insurance solutions through digital innovation. Its program, MyTravelers, allows users to manage policies, file claims, and pay premiums all in one place—streamlining the customer experience.

The signature telematics offering from Travelers is IntelliDrive, a 90-day tracking program that records acceleration, braking, speed, time of day, and mobile device usage. Based on this data, drivers can earn up to a 30% premium discount, though poor driving can also raise rates in some states. IntelliDrive appeals to consistently safe drivers seeking long-term savings and personalized feedback.

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Pros and Cons of Allstate Insurance

Pros

• Benefits of the Drivewise App: Just by tracking safe practices like smooth braking and avoiding late-night trips, Allstate’s Drivewise program can knock up to 40% off your rate.
• First Accident Forgiveness: This add-on is a good fallback in case things don’t work out because it prevents your rate from increasing following your first at-fault collision.
• Covers Custom Upgrades: Allstate will pay up to $5,000 for aftermarket equipment if your vehicle has extras like a sound system or custom rims.

Cons

• Tough on Low Credit: If your credit isn’t great, expect to pay more—$275 per month, which is $44 higher than Travelers for similar coverage.
• Expensive Teen Rates: A 16-year-old male driver pays $910 per month, which, while cheaper than Travelers, remains a significant expense for families. Find more details in our Allstate insurance review.

Pros and Cons of Travelers Insurance

Pros

• Reduced Penalties for Driving Violations: High-risk drivers save more than $1,400 annually because Travelers only costs $199 for drivers with one accident, whereas Allstate charges $321.
• IntelliDrive Discounts: After just ninety days of tracking, IntelliDrive offers discounts of up to 30% on mobile use, speed, and braking.
• Better for Low Credit: Travelers charges $231 per month for drivers with poor credit and keeps price hikes between credit tiers pretty reasonable.

Cons

• Pricey for Teen Males: If you’ve got a 16-year-old son, Travelers will charge around $1,298 per month, making it the more expensive pick for families.
• Fewer Coverage Add-Ons: Unlike Allstate, Travelers doesn’t offer extras like custom parts coverage, so there’s less flexibility for modified cars. Learn more in our Travelers insurance review.

Comparing Features and Savings Between Allstate and Travelers

Allstate vs. Travelers auto insurance shows a clear difference between extra features and affordable pricing for riskier drivers. Allstate Insurance is great if you want perks like custom parts coverage up to $5,000 and accident forgiveness, but it charges $275 per month for poor credit, which is $44 more than Travelers.

Travelers benefits drivers needing high-risk auto insurance, offering $199 per month after one accident, compared to Allstate’s $321, a $1,464 annual difference. Safe drivers also save more with IntelliDrive, which provides up to 30% off after a 90-day tracking period.

If you want lower rates and don’t need a lot of extras, Travelers fits the bill. Comparing Allstate and Travelers home insurance is also worthwhile, particularly if you’re considering combining plans to save more money. Travelers is a good option if you desire cheaper prices and don’t need many features.

Make careful to check online quotes from several insurance providers to obtain the greatest bargain. Use our free comparison tool to see which companies offer the lowest minimum auto insurance prices.