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

Quick Facts

• In general, Travelers offers significantly more affordable premiums than Alliance United
• Travelers tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision
• Travelers offers cheaper average prices for policyholders who are looking to purchase insurance with a spouse

Alliance United or Travelers: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Alliance United or Travelers as potential options, but which one will save you the most?

As you can see, Travelers has average rates that are around 25% a month less expensive than those from Alliance United when looking at the national average rates for car insurance.

That being said, that doesn't mean Travelers will necessarily be more affordable than Alliance United for each driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so premiums will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Alliance United and Travelers by lots of different rate factors, so read on to find out which company is the best for you.

Alliance United vs. Travelers: Average Car Insurance Rates by State

Alliance United and Travelers only compete against each other in California, where Travelers offers the cheaper average premiums. Travelers drivers tend to pay about $70 per month less on average compared to drivers who use Alliance United for their auto insurance.

There are plenty of other factors that go into your car insurance payment than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Travelers save almost 15% a month compared to those who use Alliance United.

But both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Alliance United policyholders decrease over 45% and Travelers's rates lower more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable car insurance premiums you can find. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise prices.

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

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average premiums between these two companies is significant, with Travelers rates coming in at a quarter less than Alliance United's. The advantage is also clear for married drivers - Travelers offers the lowest average premiums.

Alliance United or Travelers: Average Rates by Gender

You may not know, but auto insurance is typically cheaper for women than it is for men. That's because women are less likely to get tickets and get into collisions, which decreases the chances of filing a claim with insurance.

Women and men get the same monthly prices with Alliance United, but with Travelers, the difference is closer to $11 per month.

Looking at overall affordability, Travelers comes out on top for both men and women, with average rates 24% less for men and 28% cheaper for women.

Alliance United vs. 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, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability).

When it comes to state minimum limits for liability insurance, Alliance United has the edge, while Travelers offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $6 with Alliance United, while full coverage comes out to be about $100 more affordable with Travelers.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Accidents and speeding tickets will most likely raise your prices, but is Alliance United or Travelers less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Alliance United for their car insurance can typically expect their monthly bill to go up around 25% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of about 20%.

However, Travelers has cheaper premiums for drivers in both categories -- their rates are around 8% less expensive for drivers with clean records and 14% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Alliance United policyholders who get in an accident can expect to see their rates rise by over 50%, while those who have insurance through Travelers will see around a 25% increase.

At the end of the day, the more affordable prices come from Travelers, with average rates coming in at $173 compared to Alliance United's $289.

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 ticket. On average, Alliance United will raise your prices about 52% after a DUI, while Travelers's average premiums climb by nearly 40%.

How does Credit Score Impact Alliance United and Travelers Rates?

Did you know many insurance carriers take your credit score into account when determining prices? Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for lots of drivers.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

So, which carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, Travelers will usually reward you. Improving your "good" credit score to an "excellent" one will typically save Travelers customers around $25. Alliance United, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Travelers. As you can see, Travelers customers with poor credit scores pay about $60 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, Alliance United doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Alliance United over Travelers.

Is Alliance United 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 big impact on your monthly rates? Normally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Travelers offers more affordable prices than Alliance United. Travelers average premiums for drivers with 6,000 annual miles come in $50 less expensive than Alliance United. Those who drive 12,000 miles annually can expect to pay nearly $70 less with Travelers over Alliance United.

Alliance United or Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly car insurance cost. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads where they live.

Travelers tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay around $136 monthly with Travelers compared to Alliance United's $206. People in suburban areas pay about $160 with Travelers compared to Alliance United's $239 a month. In urban areas, Travelers's average rates are around $204 while Alliance United offers prices about $230.

Alliance United vs. Travelers Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Alliance United and Travelers offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Travelers blows Alliance United away when it comes to the sheer amount of discounts available, offering 22 more discounts than Alliance United.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good driver. Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Alliance United has a proprietary discount of their own -- a renewal discounts.

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

So, we've broken down the average premiums for many of the variables insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best company for you and your specific profile and needs?

Travelers might be best for you if....

• You've been pulled over for speeding recently.
• Your credit is below-average.
• You drive often but have a short commute.

Alliance United might be best for you if...

• You're looking for the best rates on liability only coverage.

Hopefully, this guide has ben a valuable resource as you compare Alliance United and Travelers. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple carriers, not just Alliance United 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.

Alliance United vs. Travelers FAQs

Is Alliance United or Travelers cheaper?

Travelers is the cheaper of the two carriers when looking at national average premiums, with policies averaging $167 per month with Travelers and $225 for Alliance United. Even so, that doesn't mean Travelers will be the most affordable company for everyone, since there are a variety of different factors that are considered when it comes to your auto insurance bill.

Who is better, Alliance United or Travelers?

Sadly, the real answer is "it depends.". No one carrier is "better" for each policyholder -- it all depends on the makeup of your unique insurance profile.

Why do Alliance United and Travelers offer me different rates?

Car insurance companies use quite a few different variables when calculating the prices they charge. Things such as where you live, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Alliance United and Travelers calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several 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 information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Alliance United or Travelers at all, but another you hadn't even thought of!

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.