Acuity vs. Travelers: Which Company is the Best Fit for You?

Quick Facts

• In general, Travelers offers significantly cheaper premiums than Acuity
• Travelers offers more affordable average rates for residents of urban areas
• Travelers offers more affordable prices for drivers who have less-than-stellar credit

Acuity vs. Travelers: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Acuity or Travelers for your next policy, but between the two, which one has less expensive rates for auto insurance?

Looking at the national average rates for both companies, Travelers is quite a bit cheaper than Acuity, with premiums averaging $167 per month compared to $313 with Acuity.

However, that doesn't necessarily mean Travelers will be the more affordable option for every driver. Insurance carriers vary their prices depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and all sorts of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Acuity or Travelers is really the best for you, keep reading to see average premiums for each carrier broken down by a range of different rate factors.

Acuity or Travelers: Average Car Insurance Rates by State

Acuity and Travelers only compete against each other in one states, with Travelers offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where Travelers rates are over 70% less expensive than car insurance premiums at Acuity.

But there's more to calculating auto insurance rates than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. It's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Travelers save more than $500 a month compared to those who use Acuity.

Even so, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Acuity policyholders lower over $500 and Travelers's rates reduce about $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

But who has the best rates for retired drivers between Acuity and Travelers? Travelers gets the edge, with prices for drivers 65 and older nearly 30% cheaper than the national average for Acuity.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married drivers. This usually boils down to married couples having multiple cars on their policy -- something many auto insurance carriers will reward with discounts.

When it comes to relationship status, Travelers is the clear winner for those who are single, with rates around $213 per month less expensive than Acuity, on average. The advantage for married policyholders with Travelers is also obvious, where drivers save almost $60 a month.

Acuity vs. Travelers: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for insurance than women.

Normally, women see prices about $20 per month more affordable with Acuity, while with Travelers, the difference is closer to $11 a month.

Looking at overall affordability, Travelers comes out as the lowest option for both genders. On average, women save about $143 per month and men save around $151 with Travelers compared to the average Acuity policyholder.

Acuity or Travelers: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be pretty complicated. There are multiple different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Travelers normally offers significantly cheaper premiums of $108 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies about $250 a month less expensive than Acuity, on average.

Is Acuity or Travelers Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Collisions and tickets will most likely raise your rates, but is Acuity or Travelers more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their prices to go up an average of $94 per month if they get a ticket, while Travelers usually raises premiums around $32 a month, on average.

But Travelers tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are 44% and 50% cheaper, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in an accident can expect to see their premiums climb by just under 35%, while those who have insurance through Travelers will see about a 25% increase.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly prices averaging $173 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than a collision or ticket. On average, Acuity will increase your premiums around 36% after a DUI, while Travelers's average prices increase by just under 40%.

How does Credit Score Impact Acuity and Travelers Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for several policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

Looking at Acuity and Travelers specifically, which company has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Acuity or Travelers Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly rates? That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Travelers tends to be the more affordable option. Travelers average prices for drivers with 6,000 annual miles come in just under $150 cheaper than Acuity. Those who drive 12,000 miles each year can expect to pay over $150 less with Travelers over Acuity.

Acuity vs. Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a considerable impact on your monthly auto insurance bill. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Travelers generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Travelers offers prices about $204 per month compared to Acuity's $374. People who live in suburban ZIP codes can expect to pay around $160 per month for Travelers and $313 for Acuity. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly premiums coming in at $136 and $253 for Travelers and Acuity respectively.

Acuity vs. Travelers Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts Acuity and Travelers offer their customers so that you can see which carrier can save you the most money each month.

Travelers blows Acuity away when it comes to the sheer amount of discounts available, offering 25 different discounts to Acuity's nine.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver, distant student discounts, and group discounts -- but Travelers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that Acuity does not.

On the flip side, Acuity has a unique discount of its own -- a college graduate discounts.

Final Thoughts: Is Acuity or Travelers Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

Travelers might be best for you if....

• You've been pulled over for speeding recently.
• You're looking for more protection with "full coverage" car insurance.
• You drive fewer than 6,000 miles annually.

Acuity might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare Acuity and Travelers. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Acuity and Travelers. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Acuity vs. Travelers FAQs

Is Acuity or Travelers cheaper?

Looking just at the national average prices, Travelers is the more affordable of the two companies, offering average rates of $167 a month compared to $313 for Acuity. Even so, Travelers won't necessarily be the cheapest carrier for everyone, since there are several different variables that come into play when it comes to your auto insurance cost.

Who is better, Acuity or Travelers?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Acuity and Travelers offer me different rates?

Auto insurance carriers take a look at quite a few different factors when determining the rates they charge policyholders. Things such as where your home is, where you call home, gender, age, and sometimes even things like your credit score can all be used. Both Acuity and Travelers calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

How do I know if Acuity or Travelers is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Acuity or Travelers at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.