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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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GEICO (part of Berkshire Hathaway Inc.) and Travelers both rank in the top 10 most popular car insurance companies in the U.S.[1] While both companies have some key benefits, GEICO wins in most key categories, including its average rates, discounts, and customer satisfaction.
Travelers, though it doesn’t rank as well overall, has more coverage options and an impressive network of insurance agents.
To decide which company is best for you, read on to see how these companies stack up and get a quote from each one to make your final decision.
GEICO has cheaper car insurance rates and more discounts than Travelers, with average rates below the industry average.
Travelers offers key coverages that GEICO lacks, including gap insurance and new car replacement.
Both GEICO and Travelers have some mixed customer satisfaction ratings, but GEICO generally ranks better.
When you’re shopping for car insurance, it’s important to consider everything from a company’s average rates to its discount options and customer satisfaction.
The table below shows how GEICO and Travelers stack up for some of the most important car insurance categories, according to our research.
Category  | GEICO | Travelers |
|---|---|---|
| Cost | 4.7/5 | 4/5 |
| Customer satisfaction | 4.3/5 | 3.7/5 |
| Policy management | 4.8/5 | 4.4/5 |
| Availability | 5/5 | 4.3/5 |
| Industry reputation | 5/5 | 4.3/5 |
| Overall Score | 4.93/5 | 4.23/5 |
GEICO ranks higher in every category, with especially notable scores for its availability and industry reputation. The company has stronger availability, making it easy for drivers to get coverage in most U.S. states. GEICO also scores above average in customer satisfaction rankings in many states.[2]
Travelers scores lower in some areas, such as cost and policy management, but it stands out for offering a wider range of coverage options.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of millions of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO is one of the most popular insurance companies in the country, and it’s easy to see why. It offers low average rates and has more discounts than almost any insurer, to help customers save even more.
While GEICO ranks below average in the J.D. Power U.S. Auto Claims Satisfaction Study, it ranks above average for overall customer satisfaction in most regions and has a fewer-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC).
The main area where GEICO falls short, compared to Travelers, is in its range of coverage options. GEICO offers fewer coverage add-ons if you’re looking to customize your insurance policy.
Lower average premiums
Many available discounts
Generally positive customer feedback
Limited number of local agents
No gap or rideshare coverage
No new car replacement
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $187/mo |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Like GEICO, Travelers ranks in the top 10 auto insurers in the country in terms of premiums written. While it falls short of GEICO in a few areas, it stands out in others. For example, Travelers offers more optional coverages, including gap insurance, new car replacement, and rideshare coverage — none of which GEICO offers.
Travelers also has a large network of independent agents. If it’s important to you to have a local insurance agency you can build a relationship with, Travelers might be the right company for you.
Finally, while Travelers has generally poor customer feedback in J.D. Power studies, it has fewer complaints than expected, according to NAIC’s complaint index.
More coverage options
Affordable liability coverage
Larger network of independent agents
Higher average rates than GEICO
Lower claims and customer satisfaction scores
Fewer available discounts
Insurance premiums vary not only from one company to the next but also from driver to driver. Various factors, from your age to your credit and driving history, can affect your rates.
For example, teen drivers, drivers with poor credit, and drivers with speeding tickets or other violations may pay more for coverage. Because you can get very different quotes from different auto insurance companies, it’s important to check out average rates for drivers like you and shop around for multiple quotes.
The table below highlights how both companies’ rates compare to each other and to the industry average for various types of drivers.
Driver Type | GEICO | Travelers | Industry Average |
|---|---|---|---|
| All drivers | $142 | $187 | $173 |
| Teens | $252 | $435 | $331 |
| Seniors | $103 | $138 | $148 |
| Recent ticket | $193 | $250 | $223 |
| Recent accident | $180 | $254 | $231 |
| DUI conviction | $205 | $277 | $256 |
| Poor credit | $172 | $227 | $210 |
Get quotes from top companies and find the right coverage.
Just like rates vary from company to company, they also vary from state to state. Certain U.S. states may have higher average rates due to higher minimum-coverage requirements, uninsured drivers, and accident rates. A state’s population density and weather events can also affect premiums.
The table below breaks down the average rates from GEICO and Travelers in each state, according to Compare.com data.
State | Travelers | GEICO |
|---|---|---|
| Alabama | $129 | $141 |
| Alaska | N/A | N/A |
| Arizona | $228 | $169 |
| Arkansas | $210 | $134 |
| California | $299 | $198 |
| Colorado | $305 | $185 |
| Connecticut | $318 | $201 |
| Delaware | $271 | $222 |
| Florida | $238 | $179 |
| Georgia | N/A | N/A |
| Hawaii | N/A | N/A |
| Idaho | $142 | $87 |
| Illinois | $201 | $137 |
| Indiana | $167 | $93 |
| Iowa | $147 | $85 |
| Kansas | $168 | $149 |
| Kentucky | $270 | $189 |
| Louisiana | N/A | N/A |
| Maine | $134 | $106 |
| Maryland | $381 | $261 |
| Massachusetts | $316 | $138 |
| Michigan | $277 | $240 |
| Minnesota | $199 | $175 |
| Mississippi | $155 | $135 |
| Missouri | $310 | $185 |
| Montana | N/A | N/A |
| Nebraska | N/A | N/A |
| Nevada | $364 | $240 |
| New Hampshire | N/A | N/A |
| New Jersey | $529 | $299 |
| New Mexico | N/A | N/A |
| New York | $168 | $219 |
| North Carolina | $120 | $109 |
| North Dakota | N/A | N/A |
| Ohio | $178 | $95 |
| Oklahoma | N/A | N/A |
| Oregon | $262 | $116 |
| Pennsylvania | $123 | $126 |
| Rhode Island | $305 | $248 |
| South Carolina | $201 | $161 |
| South Dakota | N/A | N/A |
| Tennessee | $134 | $128 |
| Texas | N/A | N/A |
| Utah | N/A | N/A |
| Vermont | N/A | N/A |
| Virginia | $290 | $168 |
| Washington | $234 | $153 |
| Washington D.C. | $${AUTO_CARRIER_TRAVELERS_FULL_STATE_DC_PRICE} | $310 |
| West Virginia | N/A | N/A |
| Wisconsin | $167 | $89 |
| Wyoming | N/A | N/A |
GEICO and Travelers offer core coverage that most drivers need, including bodily injury and property damage liability, as well as full coverage, which includes collision and comprehensive coverage. But insurers also offer optional coverages that you can add to your policy at an extra cost for even more protection.
Check out the table below, which shows how GEICO and Travelers compare in terms of coverage options, according to our research.
Coverage Type | GEICO | Travelers |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UI/UM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | |
| Accident forgiveness | ✔ | ✔ |
| Mechanical breakdown | ✔ | |
| Rideshare endorsement | ✔ | |
| Vanishing deductibles | ||
| New car replacement | ✔ | |
| Pet injury |
Travelers offers several more optional insurance coverages than GEICO does, including gap insurance, rideshare coverage, and new car replacement. GEICO, on the other hand, offers mechanical breakdown coverage, which Travelers doesn’t. Both companies offer roadside assistance, rental reimbursement, and accident forgiveness.
Car insurance discounts allow you to save money on your premiums based on your driving record, vehicle features, and other factors. The number of discounts available varies from company to company.
Here’s a side-by-side look at which discounts GEICO and Travelers offer, according to information on the company’s website.
Discount Type | GEICO | Travelers |
|---|---|---|
| Affinity | ✔ | |
| Alternative energy | ✔ | |
| Anti-theft | ✔ | |
| Automatic payments | ✔ | ✔ |
| Continuous insurance | ✔ | |
| Defensive driver | ✔ | ✔ |
| Deployed driver | ✔ | |
| Good student | ✔ | ✔ |
| Early shopper | ✔ | ✔ |
| Federal employee | ✔ | |
| Homeowner | ✔ | ✔ |
| Internet quote | ✔ | |
| Military | ✔ | |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ |
| New car | ✔ | ✔ |
| Paperless billing | ✔ | |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | |
| Student away at school | ✔ | ✔ |
| Usage-based/telematics | ✔ | ✔ |
GEICO offers 20 discounts — more discounts than most insurers on the market — compared to Travelers’ 14. Some of GEICO’s notable discounts that Travelers doesn’t offer include discounts for federal employees, military members, and other affinity groups, as well as for vehicle safety and anti-theft features.
Both companies offer important discounts, including for students, safe driving, insuring more than one car, and for bundling your car insurance with homeowners, renters, or life insurance.
When you’re shopping for insurance, looking at reviews from past and current customers can help you understand what it’s like to work with a company from customer service to claims handling.
Reviews also show how different business models work in practice. For example, Travelers’ agent-based model may appeal if you’re seeking more personalized coverage, while GEICO’s digital-first approach may be more appealing if you want speed and convenience.
Below, you’ll see real reviews from recent Compare.com customers for each company.
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Both GEICO and Travelers offer usage-based insurance (UBI) programs that allow you to save money based on your driving habits. These programs track your driving behavior and adjust your premiums at renewal based on how safely you drive.
GEICO’s DriveEasy program uses a mobile app to track your driving and detect your phone use, braking, acceleration, cornering, smoothness, and the distance, time of day, and routes that you drive.
When your policy renews, GEICO will factor your driving score into your insurance rate, which could either increase or decrease your rate. Safe drivers can save up to 15%, according to GEICO’s website.
Travelers offers a similar program — IntelliDrive — which offers up to 30% savings on your premium. The program measures your driving speed, acceleration, braking, distractions, and time of day. After 90 days, Travelers factors your driving behavior into your premiums at renewal. Just like with GEICO, your premium could also increase in most states.
Compare quotes from 100+ top insurance companies and save money in seconds.
If you’re trying to decide between GEICO and Travelers for car insurance, the answers to the questions below may help.
It depends. One car insurance company isn’t necessarily better for everyone since the best insurer for you depends on your specific needs. That being said, GEICO ranks higher than Travelers in most of the categories we evaluated, which could make it a better option for most drivers.
No single best car insurance company exists for everyone. The best company for you depends on your budget, coverage needs, and other factors. It’s important to shop around and identify companies that offer the best rate for your budget and the coverage and service you’re looking for.
Generally, yes. GEICO is cheaper than Travelers for most drivers, according to our data. But premiums can vary based on your driver profile. One driver may pay less with GEICO, while another might find that Travelers is cheaper for them. Getting quotes from both companies is the only way to know for sure which is cheaper for you.
Travelers has a below-average claims satisfaction score from J.D. Power, suggesting many customers aren’t happy with the claims process, but that doesn’t necessarily mean it isn’t good at paying claims. In fact, the insurer has a financial strength rating of A++ (Superior) from AM Best, the highest possible, indicating the company is more than capable of paying its claims.[3]
Disadvantages of GEICO’s car insurance include its limited coverage options and limited number of local insurance agents. It also ranks below average in claims satisfaction in the J.D. Power U.S. Auto Claims Satisfaction5 Study.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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