Geico vs. Travelers Car Insurance: Expert Recommended (2024)
Explore a thorough comparison between Geico and Travelers in the world of car insurance, unraveling rates, coverage options, discounts, and customer satisfaction to determine the superior choice among these leading providers.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factor | Geico | Travelers |
|---|---|---|
| Clean Record | $80 | $99 |
| 1+ Ticket | $106 | $134 |
| 1+ Accident | $132 | $139 |
| DUI | $216 | $206 |
| Poor Credit | $138 | $170 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Geico | Travelers |
|---|---|---|
| Anti Theft | 15% | 23% |
| Good Student | 12% | 10% |
| Low Mileage | 23% | 5% |
| Paperless | 8% | 3% |
| Safe Driver | 10% | 15% |
| Senior Driver | 22% | 8% |
Geico
Pros:
- Lower Average Rates: Geico offers lower average auto insurance rates, saving customers an average of $112 per month compared to Travelers.
- Affordable Across Credit Levels: Geico tends to be more affordable for customers across all credit levels.
- Better for Young, Single Drivers: Geico is cheaper for single, male drivers aged 25 and younger.
- More Discounts: Geico provides four more discounts than Travelers, potentially offering more ways for customers to save money.
- Competitive Claim Processing: Geico has a competitive claim processing time and receives positive customer feedback on claim resolutions.
Cons:
- Limited Optional Coverage: Geico offers fewer optional coverage options compared to Travelers, potentially limiting customization for customers.
- Limited Rideshare Coverage: Geico is more suitable for rideshare drivers, as Travelers only insures ridesharing workers in two states.
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Travelers
Pros:
- More Optional Coverages: Travelers provides a broader range of optional coverages, giving customers more flexibility to tailor their policies.
- Better for Older, Married Drivers: Travelers is more affordable for older, married drivers.
- Competitive Claim Processing: Travelers has a competitive claim processing time and positive customer feedback on claim resolutions.
- Better Financial Ratings: Travelers has better Moody’s ratings and a lower NAIC complaint ratio.
- More Coverage Features: Travelers offers more features and services, potentially appealing to customers seeking additional coverage features.
Cons:
- Higher Average Rates: Travelers has higher average auto insurance rates compared to Geico.
- Less Affordable for Young, Single Drivers: Travelers may be less affordable for single, male drivers aged 25 and younger.
- Fewer Discounts: Travelers offers fewer discounts compared to Geico.
- Limited Rideshare Coverage: Travelers only insures rideshare drivers in two states.
- Potentially Higher Rates for All Credit Levels: Travelers may have higher rates for customers with fair or poor credit.
Geico: Your Top Choice for Affordable & Reliable Car Insurance
When it comes to selecting the best car insurance provider between Geico and Travelers, it’s essential to consider various factors, including rates, coverage options, discounts, and customer satisfaction. After a thorough analysis, a clear winner emerges as the superior choice.
Rates and Affordability: Geico takes the lead in providing more affordable auto insurance rates, with an average monthly cost that is $112 less than Travelers. Regardless of credit levels and age groups, Geico consistently offers competitive rates, making it the go-to choice for those seeking cost-effective coverage.
Coverage Options and Flexibility: While Travelers excels in offering a broader range of optional coverages, the Geico approach is more straightforward and cost-effective. Geico may have fewer optional coverages, but its focus on affordability and simplicity makes it an attractive option for individuals looking for essential coverage without unnecessary complexities.
Discounts and Savings: Geico stands out with a wider array of discounts, providing customers with more opportunities to save on their premiums. Whether it’s bundling, good student discounts, or safety equipment discounts, Geico offers a more extensive list, giving policyholders more ways to reduce their insurance costs.
Customer Satisfaction and Claims Process: Both Geico and Travelers have competitive claim processing times and positive customer feedback on claim resolutions. However, Geico’s consistently lower rates, coupled with a reputation for excellent customer service, give it an edge in overall customer satisfaction.
While Travelers offers more optional coverages, the overall value provided by Geico makes it the clear winner in the Geico vs. Travelers car insurance comparison.
Geico vs. Travelers: Which car insurance company is the cheapest?
Let’s take a look at Geico vs. Travelers auto insurance quotes.
Geico auto insurance averages $268 per month, while Travelers auto insurance averages $370/month. That’s a $112 difference in average rates. However, your Geico vs. Travelers car insurance rates will vary.
A wide range of personal factors can impact your auto insurance rates, such as age, gender, marital status, location, credit, score, driving record, and driving habits.
Read on for a breakdown of Travelers vs. Geico car insurance.
If you want a concentrated view of both companies, check out Travelers insurance and Geico insurance reviews for more details.
Is Geico and Travelers car insurance more affordable across the United States?
Where you live can determine your car insurance rates. Some states are more densely populated and produce more risks than other areas in the United States.
Let’s compare Geico and Travelers auto insurance based on location.
GEICO vs. Travelers Car Insurance Rates by State
| States | Monthly GEICO Car Insurance Rates | Monthly Travelers Car Insurance Rates |
|---|---|---|
| Alaska | $240 | Data Not Available |
| Alabama | $239 | $308 |
| Arkansas | $290 | $498 |
| Arizona | $189 | $257 |
| California | $240 | $279 |
| Colorado | $258 | Data Not Available |
| Connecticut | $256 | $500 |
| District of Columbia | $308 | Data Not Available |
| Delaware | $311 | $349 |
| Florida | $315 | Data Not Available |
| Georgia | $248 | Data Not Available |
| Hawaii | $280 | Data Not Available |
| Iowa | $191 | $452 |
| Idaho | $231 | $269 |
| Illinois | $232 | $208 |
| Indiana | $188 | $283 |
| Kansas | $268 | $362 |
| Kentucky | $386 | $546 |
| Louisiana | $513 | Data Not Available |
| Maine | $235 | $188 |
| Maryland | $319 | Data Not Available |
| Massachusetts | $126 | $295 |
| Michigan | $536 | $731 |
| Minnesota | $292 | Data Not Available |
| Missouri | $240 | Data Not Available |
| Mississippi | $341 | $311 |
| Montana | $300 | Data Not Available |
| North Carolina | $245 | $261 |
| North Dakota | $222 | Data Not Available |
| Nebraska | $320 | Data Not Available |
| New Hampshire | $135 | Data Not Available |
| New Jersey | $230 | $355 |
| New Mexico | $372 | Data Not Available |
| Nevada | $305 | $447 |
| New York | $202 | $382 |
| Ohio | $156 | $261 |
| Oklahoma | $286 | Data Not Available |
| Oregon | $268 | $241 |
| Pennsylvania | $217 | $654 |
| Rhode Island | $467 | $576 |
| South Carolina | $265 | Data Not Available |
| South Dakota | $245 | Data Not Available |
| Tennessee | $274 | $228 |
| Texas | $272 | Data Not Available |
| Utah | $247 | Data Not Available |
| Virginia | $172 | Data Not Available |
| Vermont | $183 | Data Not Available |
| Washington | $214 | Data Not Available |
| West Virginia | $177 | Data Not Available |
| Wisconsin | $327 | Data Not Available |
| Wyoming | $291 | Data Not Available |
| *National Average | $268 | $370 |
On average, Geico premiums are more affordable than Travelers’. The best or worst company depends on your needs.
If you need SR-22 insurance, it’s likely that your state has it but at a much higher rate than average.
SR-22 insurance isn’t a popular comparison on average, but Geico and Travelers will walk you through the next step. Continue reading about how other factors affect your car insurance policy.
How do Geico vs. Travelers car insurance calculate age, gender, and marital status?
Car insurance companies use age to gauge the driving experience of the policyholder. Meanwhile, gender and marital status correlate to the risk of filing claims.
What does this mean for Travelers vs. Geico auto insurance? Let’s compare premiums at both companies based on age, gender, and marital status.
GEICO vs. Travelers Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
| Age, Gender, and Marital Status | GEICO Average Monthly Car Insurance Rates | Travelers Average Monthly Car Insurance Rates |
|---|---|---|
| Married 60-year-old female | $187 | $171 |
| Married 60-year-old male | $190 | $173 |
| Married 35-year-old female | $192 | $182 |
| Married 35-year-old male | $193 | $183 |
| Single 25-year-old female | $198 | $194 |
| Single 25-year-old male | $199 | $208 |
| Single 17-year-old female | $471 | $776 |
| Single 17-year-old male | $523 | $1,071 |
T
Travelers insurance is more affordable for older, married drivers, but Geico is cheaper for single, male drivers that are 25 years old and younger.
Can your credit score affect Geico and Travelers car insurance?
According to Experian, car insurance providers charge less expensive rates to customers with good or excellent credit because they correlate to fewer chances of filing a claim.
Customers with fair or poor credit are assumed to have a higher chance to file a claim. So what does that look like for an auto insurance premium? Let’s see how Geico and Travelers insurance reviews this factor.
GEICO vs. Travelers Average Monthly Car Insurance Rates by Credit Scores
| Credit Score Summary | GEICO Average Monthly Car Insurance Rates | Travelers Average Monthly Car Insurance Rates |
|---|---|---|
| Good Credit Score (670-739) | $203 | $338 |
| Fair Credit Score (580-669) | $249 | $362 |
| Poor Credit Score (300-579) | $355 | $430 |
Travelers may have competitive rates in the last section, but Geico is more affordable for all credit levels. If you want to save money based on credit, GEICO may be the better company.
How do driving records impact Geico vs. Travelers car insurance quotes?
Your driving record is one of the most significant factors when determining car insurance rates. Drivers with a clean record get the lowest rates.
Let’s see how driving records affect Geico and Travelers auto insurance.
GEICO vs. Travelers Average Monthly Car Insurance Rates by Driving Records
| Driving Record Summary | GEICO Average Monthly Car Insurance Rates | Travelers Average Monthly Car Insurance Rates |
|---|---|---|
| Clean Driving Record | $179 | $287 |
| With 1 Speeding Violation | $220 | $355 |
| With 1 Accident | $266 | $357 |
| With 1 DUI | $406 | $478 |
Geico rates are much cheaper on every driving record infraction. Of course, every situation is different, and these average rates might not apply to you.
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Geico vs. Travelers: Which car insurance company has more optional coverages?
Bodily injury liability and property damage liability are essential auto insurance coverage requirements.
You can add more coverage if you need it, and options vary. Let’s examine the difference between Geico and Travelers in terms of type of coverage options.
GEICO vs. Travelers Car Insurance Coverage Options
| GEICO Car Insurance Coverages | Travelers Car Insurance Coverages |
|---|---|
| Bodily Injury Liability | Liability Coverage |
| Property Damage Liability | Comprehensive Coverage |
| Medical Payments coverage | Collision Coverage |
| Uninsured & Underinsured Motorist coverage | Personal Injury Protection |
| Collision | Uninsured/Underinsured Motorist Coverage |
| Comprehensive | Medical Payments Coverage |
| Emergency Roadside Assistance | Loan/Lease Gap Insurance |
| Mechanical Breakdown Insurance | Rental Coverage |
| Rental Car Reimbursement | Roadside Assistance |
| New Car Replacement | |
| Accident Forgiveness | |
| Ride Sharing | |
| Umbrella Insurance |
Although Geico insurance is less expensive, Travelers has more optional coverage. More features and services may be a selling point for car insurance shoppers, but make sure you’re buying what you really need.
If you’re a Uber or Lyft driver, you’ll have more luck finding coverage with Geico since Travelers only insures ridesharing workers in two states.
Read more:
- Best Car Insurance Company That Covers Lyft Drivers
- Best Car Insurance Company That Covers Uber Drivers
How can comparing Geico vs. Travelers car insurance discounts save you money?
Bundling insurance products is one of the methods to saving money on auto insurance.
There are a lot of other car insurance discounts, including good student discounts, safe driver discounts, and safety equipment discounts. Affordable Geico vs. Travelers car insurance may come down to discounts.
Let’s compare Geico and Travelers’ available car insurance discounts.
GEICO vs. Travelers Car Insurance Discounts
| Car Insurance Discounts | GEICO Availability | Travelers Availability |
|---|---|---|
| Adaptive Cruise Control | ✘ | ✘ |
| Adaptive Headlights | ✘ | ✘ |
| Anti-lock Brakes | ✔ | ✔ |
| Anti-Theft | ✔ | ✔ |
| Daytime Running Lights | ✔ | ✔ |
| Electronic Stability Control | ✘ | ✘ |
| Utility Vehicle | ✔ | ✘ |
| Vehicle Recovery | ✔ | ✔ |
| VIN Etching | ✘ | ✔ |
| Lane Departure Warning | ✘ | ✘ |
| Newer Vehicle | ✔ | ✔ |
| Green Vehicle | ✘ | ✔ |
| Forward Collision Warning | ✘ | ✘ |
| Claim Free | ✔ | ✔ |
| Continuous Coverage | ✔ | ✔ |
| Defensive Driver | ✔ | ✔ |
| Distant Student | ✔ | ✔ |
| Driver's Ed | ✔ | ✔ |
| Driving Device/App | ✔ | ✔ |
| Early Signing | ✔ | ✔ |
| Emergency Deployment | ✔ | ✘ |
| Engaged Couple | ✘ | ✘ |
| Family Legacy | ✔ | ✘ |
| Family Plan | ✘ | ✘ |
| Farm Vehicle | ✔ | ✘ |
| Fast 5 | ✘ | ✘ |
| Federal Employee | ✔ | ✘ |
| Full Payment | ✔ | ✔ |
| Further Education | ✔ | ✔ |
| Garaging/Storing | ✘ | ✔ |
| Good Credit | ✘ | ✘ |
| Good Student | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Life Insurance | ✘ | ✘ |
| Low Mileage | ✔ | ✔ |
| Loyalty | ✔ | ✘ |
| Married | ✘ | ✘ |
| Membership/Group | ✔ | ✔ |
| Military | ✔ | ✘ |
| Military Garaging | ✘ | ✘ |
| Multiple Drivers | ✘ | ✘ |
| Multiple Policies | ✔ | ✔ |
| Multiple Vehicles | ✔ | ✔ |
| New Address | ✘ | ✘ |
| New Customer/New Plan | ✘ | ✘ |
| New Graduate | ✘ | ✘ |
| Newly Licensed | ✘ | ✘ |
| Newlyweds | ✘ | ✘ |
| Non-Smoker/Non-Drinker | ✘ | ✘ |
| Occasional Operator | ✘ | ✘ |
| Occupation | ✔ | ✔ |
| On-Time Payments | ✘ | ✔ |
| Online Shopper | ✘ | ✘ |
| Paperless Documents | ✘ | ✘ |
| Paperless/Auto Billing | ✘ | ✔ |
| Passive Restraint | ✔ | ✔ |
| Recent Retirees | ✘ | ✘ |
| Renter | ✘ | ✘ |
| Roadside Assistance | ✘ | ✘ |
| Safe Driver | ✔ | ✔ |
| Seat Belt Use | ✔ | ✘ |
| Senior Driver | ✘ | ✘ |
| Stable Residence | ✘ | ✘ |
| Students & Alumni | ✔ | ✘ |
| Switching Provider | ✘ | ✘ |
| Volunteer | ✘ | ✘ |
| Young Driver | ✘ | ✘ |
Read more:
- What discounts are available for Travelers car insurance customers?
- How does the car insurance claims process differ for uninsured/underinsured motorist coverage with Geico?
Geico has four more discounts than Travelers. Although you won’t qualify for all discounts, Travelers does have a shorter list.
Geico vs. Travelers Car Insurance: Unveiling the Claims Process Comparison
Ease of Filing a Claim
Geico and Travelers offer multiple avenues for filing a claim, including online through their respective websites, over the phone, and via mobile apps. Both companies prioritize ease of use, providing intuitive interfaces and clear instructions to guide customers through the claim submission process.
Average Claim Processing Time
The average claim processing time for both Geico and Travelers is competitive within the industry standards. Customers typically experience a relatively efficient claims process, with efforts made to expedite the assessment and settlement of claims to minimize inconvenience.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback regarding claim resolutions and payouts for both Geico and Travelers is generally positive. Customers appreciate the responsiveness and fairness in claim settlements. Both companies strive to meet customer expectations and ensure a satisfactory claims experience.
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Geico vs. Travelers Car Insurance: Exploring Digital and Technological Features
Mobile App Features and Functionality
Both Geico and Travelers offer comprehensive mobile apps that provide a range of features and functionalities. These include policy management, claims filing, bill payment, digital ID cards, roadside assistance requests, and more. The apps are designed for user-friendly navigation and a seamless mobile experience.
Online Account Management Capabilities
Both companies offer robust online account management capabilities, allowing policyholders to access and manage their policies, view policy documents, update personal information, and make payments online. The online platforms are secure, user-friendly, and designed to provide convenient self-service options.
Digital Tools and Resources
Geico and Travelers provide various digital tools and resources to assist customers in understanding their insurance coverage, estimating premiums, finding local agents, and accessing educational materials. These digital resources contribute to an informed decision-making process and enhance the overall customer experience.
Financial Strength, Credit, and Consumer Complaint Data: Does Geico or Travelers have better ratings?
User reviews can be helpful, but ratings from the top rating agencies are more reliable.
Each year the top rating agencies grade insurance companies’ financial performance and consumer feedback. The best insurance companies receive the best grade.
We’ve added Geico and Travelers’ ratings in the list below. Let’s examine their ratings.
GEICO vs. Travelers Ratings
| Agencies | GEICO Ratings | Travelers Ratings |
|---|---|---|
| AM Best | A++ | A++ |
| Moody's | Aa3 | Aa2 |
| S&P | AA+ | AA |
| NAIC Complaint Index | 1.14 | 0.32 |
| J.D. Power - Auto Insurance Shopping/Claims Satisfaction | About Average | About Average |
| Consumer Reports | 89 | 90 |
| Apple App Store (iOS) | 5 stars | 2 stars |
| Google Play Store (Android) | 5 stars | 4 stars |
Overall, Geico and Travelers are evenly matched if you tally the score between them. Although both companies have a superior A.M. Best rating, Travelers has a better Moody’s ratings, and Geico has a better S&P rating.
Travelers insurance has a lower NAIC complaint ratio and a more substantial rating at Consumer Reports. However, Geico has better mobile app ratings.
Geico vs. Travelers Car Insurance: What’s the bottom line?
Geico is a cheaper company, but Travelers has more coverage options. Most shoppers go for the most cost-efficient option, but you should aim for what best fits your situation. Before you decide whether to buy Geico vs. Travelers car insurance, compare rates for you.
Since we have compared them thoroughly, it’s clear that these are two good but different companies. So if you’ve others asking: “Are Geico and Travelers are the same company?”, it’s clear that they are not.
We hope you’ve learned a lot about Geico vs. Travelers car insurance. To compare rates from top companies, use our free online quote tool today.
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Frequently Asked Questions
What is the difference between Geico and Travelers car insurance?
Geico and Travelers are both well-known car insurance companies, but they have some differences in terms of coverage options, pricing, and customer service.
Do Geico and Travelers offer similar coverage options?
Geico and Travelers provide a wide range of coverage options, including liability coverage, comprehensive coverage, collision coverage, and additional add-ons such as roadside assistance and rental reimbursement.
Can I bundle my car insurance with other policies at Geico and Travelers?
Yes, both Geico and Travelers offer the option to bundle car insurance with other insurance policies, such as homeowners or renters insurance. Bundling policies can often lead to discounts and cost savings.
Do Geico and Travelers provide any discounts or special offers?
Both Geico and Travelers offer various discounts to their policyholders. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more. It’s recommended to inquire about available discounts when obtaining quotes from either company.
Are there any online tools or mobile apps available for managing policies with Geico and Travelers?
Both Geico and Travelers offer online portals and mobile apps that allow policyholders to manage their accounts, make payments, file claims, and access important policy documents conveniently.
Do Geico and Travelers provide roadside assistance coverage?
Yes, both Geico and Travelers offer roadside assistance coverage as an optional add-on to their car insurance policies. Roadside assistance can help with services like towing, battery jump-starts, flat tire changes, and locksmith services in case of emergencies.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.