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

Want to know if Cse or Travelers is the better choice for auto insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Travelers offers slightly less expensive rates than Cse
  • Cse offers more affordable prices for policyholders who have a clean record
  • Travelers tends to be a much cheaper option for drivers who have below-average credit

Cse or Travelers: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed it down to Cse or Travelers, but between the two, which one will save you the most?

Cse Travelers

Looking at the national average rates for both carriers, Cse is around $8 more a month than Travelers.

Even so, that doesn't mean Travelers will necessarily be more affordable than Cse for every single driver. Insurance companies use all sorts of complex algorithms to determine rates, so depending on how good your credit score is or how old you are (among numerous other factors), you could see wildly different premiums from the ones above.

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

Cse vs. Travelers: Average Car Insurance Rates by State

State Cse Travelers

Cse and Travelers only compete against each other in California, where Travelers offers the cheaper average rates. Travelers drivers tend to pay about $20 per month less on average compared to drivers who use Cse for their auto insurance.

But there's more to calculating car insurance prices than just where you live. Read on to find out more.

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Which is the Best Company For Young Drivers?

Cse Travelers
18-year-old drivers$354$353
25-year-old drivers$173$141

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

But 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 0% a month compared to those who use Cse.

That being said, with both carriers, you'll see your prices decrease significantly by the time drivers turn 25. Travelers offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Cse's average rates drop over 50% during that same period.

Which is the Best Company for Retired Drivers?

Cse Travelers
65+-year-old drivers$128$132

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever find.

So, which carrier offers the best prices to retired drivers? In this case, Cse has the slight edge, with premiums about $4 per month less than Travelers. However, that difference is less than 5%, which means it ultimately will come down to other variables, like your credit score or your driving record.

Which is the Best Company for Married Drivers?

Cse Travelers

Single policyholders tend to get offered slightly more expensive insurance rates than married policyholders. That's because policies for married drivers typically cover more than one vehicle, which many companies will give you a discount for.

When it comes to relationship status, Travelers is the winner for single drivers, with prices around 7% a month less expensive than Cse, on average.

Cse or Travelers: Average Rates by Gender

Cse Travelers

Women normally to pay less for car insurance than men. That's because women are less likely to get into accidents and get tickets, which lowers the chances of filing a claim with insurance.

Everyone gets the same monthly rates regardless of gender with Cse, but with Travelers, the difference is closer to 6% per month.

Looking at overall affordability, Travelers comes out as the cheapest option for both genders, with average premiums $3 less for men and $14 cheaper for women.

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Cse vs. Travelers: Compare State Minimum vs. Full Coverage Rates

Cse Travelers
State Minimum*$81$108
Full Coverage**$270$225

*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, insurance isn't the easiest topic to understand. 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.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

When it comes to state minimum limits for liability insurance, Cse has the edge, while Travelers offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $25 with CSE Insurance Group, while full coverage comes out to be about $45 cheaper with Travelers.

Is Cse 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.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cse Travelers
Clean Record$123$128
1 Speeding Ticket$161$160

Drivers who use Cse for their car insurance can usually expect their monthly bill to go up around 24% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of about 20%.

If you have gotten a ticket, Travelers tends to offer the best premiums at around 1% more affordable, while Cse has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Cse Travelers
Clean Record$123$128
1 At-Fault Accident$176$173

Both companies will raise prices pretty significantly if you get into an at-fault collision with Cse climbing by about 30%. Travelers has a less extreme increase, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, Travelers offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $173 compared to CSE Insurance Group's $176.

Which Company is Best for Drivers with a DUI?

Cse Travelers
Clean Record$123$128
1 DUI$241$205

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than an accident or speeding ticket. On average, Cse will climb your rates around 49% after a DUI, while Travelers's average prices increase by nearly 40%.

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How does Credit Score Impact Cse and Travelers Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect a lot of policyholders out there.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the cheapest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Cse Travelers
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Typically, if you have excellent credit, you can expect to be rewarded. With Travelers, improving your score from "good" to "excellent" will typically save you about $25. On the other hand, Cse 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?

Cse Travelers
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

If you have bad credit, it can cost you with Travelers. For drivers with less-than-stellar credit, at Travelers, you may pay around $60 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Cse, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Cse over Travelers.

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

Cse Travelers
6,000 Annual Miles$161$164
12,000 Annual Miles$189$169

How much you drive can have a sizable impact on your monthly premiums. Generally, the more milage you drive, the more you can expect to pay for coverage.

Looking specifically at Travelers and Cse, Travelers is the less expensive option for people with short commutes, while Travelers has better rates for those who work from home. Cse's average premiums for drivers with 6,000 annual miles come in about $3 cheaper than Travelers. Those who drive 12,000 miles yearly can expect to pay around $20 less with Travelers over Cse.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. 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.

Cse Travelers
Urban Areas$186$204
Suburban Areas$178$160
Rural Areas$161$136

Looking at these carriers side-by-side, Travelers generally comes out as the more affordable option for drivers in rural and suburban areas, while Cse wins in urban areas.

Those in rural areas can expect to save about 16% with Travelers compared to Cse. People who live in suburban areas pay around 10% less with Travelers compared to Cse. For policyholders in urban ZIP codes, CSE Insurance Group's average prices are about 9% less than Travelers.

Cse vs. Travelers Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Cse and Travelers so that you can see which company can save you the most money each month.

Cse Travelers
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Employee Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Goverment Employee Discount 
Group Discount 
Hybrid Vehicle Discount 
Mature Driver Discount

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

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

On the other hand, Cse has a few proprietary discounts of their own like employee discounts and goverment employee discounts.

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Final Thoughts: Is Cse or Travelers Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Cse or Travelers the right fit for you?

Travelers might be best for you if....

  • Your driving record includes a DUI charge.
  • You want to save extra money with discounts.
  • You want the most robust protection via a "full coverage" policy.

Cse might be best for you if...

  • You're looking for the best premiums on liability only coverage.
  • You're of retirement age and want to take advantage of lower rates.
  • You're married and plan to have both of your names on the vehicle's auto insurance policy.

Hopefully, this guide has ben a valuable resource as you compare Cse and Travelers. We also hope we've given you the information you need to make the best decision when it comes to your 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 car insurance -- comparing quotes from a handful of carriers, not just Cse and Travelers. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

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Cse vs. Travelers FAQs

Is Cse or Travelers cheaper?

Travelers is the cheaper of the two carriers when looking at national average prices, with policies averaging $167 per month with Travelers and $175 for Cse. But that doesn't mean Travelers will be the most affordable company for each driver, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cse or Travelers?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, Cse is less expensive for drivers who have already retired, while Travelers offers more affordable rates for single drivers.

Why do Cse and Travelers offer me different rates?

Car insurance companies use lots of different factors when calculating the premiums they charge. Things such as where you call home, gender, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Cse and Travelers calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Cse 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Cse or Travelers at all, but another you hadn't even thought of!


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.

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