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

Quick Facts

• In general, Travelers offers less expensive premiums than Alfa Alliance
• Alfa Alliance offers more affordable prices for residents of urban areas
• Travelers has more affordable rates for couples purchasing auto insurance together

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

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

You might be considering Alfa Alliance or Travelers, but between the two, which company will offer you cheaper prices?

As you can see, Alfa Alliance is about $27 more per month than Travelers when looking at the national average rates for car insurance.

But that doesn't necessarily mean Travelers will be the less expensive option for each driver. Insurance companies use a ton of complex algorithms to calculate premiums, so depending on where you live or how old you are (among a lot of other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Alfa Alliance or Travelers is really the best for you, keep reading to see average prices for each company broken down by several different rate factors.

Alfa Alliance or Travelers: Average Car Insurance Rates by State

Alfa Alliance and Travelers only compete against each other in Virginia, where Travelers offers the cheaper average premiums. For Virginia residents, Travelers offers auto insurance for $117 per month on average. Alfa Alliance's average prices come out to be over 60% more expensive, at $194 monthly.

That being said, there's a lot more that goes into your car insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. It's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Alfa Alliance for their insurance pay more than $95 less than those who use Travelers.

Even so, both carriers will offer you dramatically lower prices by the time drivers turn 25. For example, average premiums for Alfa Alliance policyholders reduce nearly $40 and Travelers's rates drop over $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest car insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

So, which carrier offers the best prices to retired drivers? Travelers gets the edge here, with average rates coming in at around $132 a month compared to Alfa Alliance's $155.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally more expensive for single drivers than they are for married drivers? This usually boils down to married policyholders having more than one car on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single policyholders, with prices only differing about $19 a month, on average. But for married couples, the advantage is clear - Travelers has the edge when it comes to average rates.

Alfa Alliance vs. Travelers: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll usually end up paying more for insurance than women.

Usually, women see prices around $1 per month more affordable with Alfa Alliance, and about $10 cheaper with Travelers when compared to their male counterparts.

When it comes to the most affordable premiums for each gender, Travelers comes out as the cheapest option for both genders, with average rates $23 less for men and $33 cheaper for women.

Alfa Alliance 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.

For most people, auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

In this case, Alfa Alliance offers the most affordable average prices for state minimum liability limits, while Travelers has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $5 with Alfa Alliance Insurance, while full coverage comes out to be around $60 cheaper with Travelers.

Is Alfa Alliance or Travelers Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their prices to go up an average of $23 a month if they get a ticket, while Travelers generally raises premiums about $32 per month, on average.

That being said, Alfa Alliance is typically the more affordable option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $21 a month and drivers with a ticket can save about $30 per month with Alfa Alliance Insurance.

Which Company is Best for Drivers After an Accident?

Alfa Alliance policyholders who get in an accident can expect to see their rates increase by just under 35%, while those who have insurance through Travelers will see around a 25% increase.

Overall, Alfa Alliance offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $162 compared to Travelers's $173.

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 auto insurance bill -- normally a lot more than a collision or speeding ticket. Alfa Alliance drivers usually see a 72% increase in their insurance rates after a DUI charge, while Travelers will usually raise premiums by about 38%.

How does Credit Score Impact Alfa Alliance and Travelers Rates?

Often times, your credit score can be used as one of the factors to determine your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for lots of drivers.

The reasoning car insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

So, which company offers the most affordable prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on your monthly insurance payment. Usually, those who drive less will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly rates for Travelers, with drivers who put 6,000 miles on their car annually paying around $5 less each month compared to those who drive 12,000 miles yearly. Still, Travelers is the cheaper option for drivers in both categories.

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

Where your home is can have a pretty big impact on your monthly auto insurance bill. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of vehicles that are on the roads in those areas.

When comparing these two companies side-by-side, Travelers tends to offer the lowest option for drivers in rural and suburban areas, while Alfa Alliance wins in urban areas.

For drivers in urban ZIP codes, Alfa Alliance's average prices are about $200 while Travelers offers premiums around $204. Drivers in suburban ZIP codes pay a monthly price of about $160 with Travelers compared to $234 with Alfa Alliance. Those in rural areas can expect to pay around $136 per month with Travelers and $149 with Alfa Alliance.

Alfa Alliance 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 auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Alfa Alliance and Travelers offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Travelers knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Alfa Alliance's 25.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and mature driver discounts. Travelers also offers ABS discounts, alternative fuel discounts, anti-theft discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- discounts for being a homeowner, intra-agency transfer discounts, and renewal discounts.

Final Thoughts: Is Alfa Alliance or Travelers Best for You?

So, you've seen how different variables can affect your car insurance prices. We've shown you all the discounts each company offers, too. But, when it comes down to it, which carrier is the best carrier for you and your specific profile and needs?

Travelers might be best for you if....

• You value the experience that comes with a large national insurance company.
• You're looking for more protection with "full coverage" car insurance.
• You drive fewer than 6,000 miles every year.

Alfa Alliance might be best for you if...

• You have a clean record.
• You have an at-fault collision on your record.
• Your neighborhood is in a city.

We hope this guide helps you get a better idea of the difference between Alfa Alliance and Travelers. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Alfa Alliance and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Alfa Alliance vs. Travelers FAQs

Is Alfa Alliance or Travelers cheaper?

Looking just at the national average premiums, Travelers is the more affordable of the two carriers, offering average rates of $167 a month compared to $194 for Alfa Alliance. However, Travelers won't necessarily be the cheapest carrier for everyone, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Travelers?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for each driver -- it all depends on the makeup of your unique insurance profile. For example, Alfa Alliance offers less expensive rates for policyholders with an at-fault accident on their record, while Travelers is cheaper for drivers who have less-than-stellar credit scores.

Why do Alfa Alliance and Travelers offer me different rates?

Auto insurance companies take a look at several different variables when calculating the prices they charge drivers. Things like where you park your car, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Travelers calculate premiums using different factors, 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 multiple different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Alfa Alliance 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.