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

Quick Facts

• In general, Travelers offers significantly more affordable rates than Le Mars
• Travelers has cheaper prices for couples purchasing auto insurance together
• Travelers offers less expensive average rates for drivers with a DUI charge on their record

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Le Mars or Travelers, but between the two, which carrier will save you the most?

As you can see, Travelers is quite a bit cheaper than Le Mars, with premiums averaging $167 per month compared to $234 with Le Mars when looking at the national average rates for car insurance.

That being said, that doesn't mean Travelers will necessarily be cheaper than Le Mars for every driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

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

Le Mars or Travelers: Average Car Insurance Rates by State

Le Mars and Travelers only compete against each other in Iowa, where Travelers offers the cheaper average prices. For Iowa residents, Travelers offers insurance for $99 a month on average. Le Mars's average rates come out to be over 70% more expensive, at $234 per month.

There are plenty of other factors that go into your car insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. The reason is that 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. As you can see above, teens who use Travelers save nearly $70 a month compared to those who use Le Mars.

However, with both carriers, you'll see your prices decrease significantly once you turn 25. For example, average rates for Le Mars policyholders reduce more than $200 and Travelers's prices drop 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 premiums you'll ever see.

So, which carrier offers the best rates to retired drivers? Travelers gets the edge, with premiums for drivers 65 and older almost 35% more affordable than the national average for Le Mars.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance prices than married drivers. That's typically because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Travelers is the clear winner for those who are single, with rates around $76 per month less expensive than Le Mars, on average. The advantage is also clear for married policyholders - Travelers offers the lowest average prices.

Le Mars vs. Travelers: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

With Le Mars, women usually pay nearly $30 a month less than men, and about $11 less with Travelers.

Looking at the data for each company specifically, Travelers comes out on top for both men and women, with average premiums $77 less for men and $59 cheaper for women.

Le Mars 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 car insurance can be a complicated subject for most people. There are several different coverages that account for a range 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 (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

In this case, Le Mars 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 $30 with Le Mars Insurance Company, while full coverage comes out to be around $150 more affordable with Travelers.

Is Le Mars or Travelers Better for Drivers with Spotty Records?

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

Tickets and at-fault accidents will most likely raise your rates, but is Le Mars or Travelers less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Le Mars policyholders can expect their premiums to go up an average of $42 per month if they get a ticket, while Travelers generally raises prices about $32 a month, on average.

But Travelers is normally the cheaper option for drivers both with a speeding ticket and with a clean record, offering premiums that are $10 and $20 more affordable, respectively, compared to Le Mars Insurance Company.

Which Company is Best for Drivers After an Accident?

Le Mars policyholders who get in an accident can expect to see their rates increase by just under $50, while those who have insurance through Travelers will see around a $45 increase.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly prices averaging $173 compared to Le Mars Insurance Company's $186.

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 -- typically a lot more than a collision or ticket. Le Mars drivers usually see a 68% climb in their auto insurance rates after a DUI charge, while Travelers will normally increase premiums by about 38%.

How does Credit Score Impact Le Mars and Travelers Rates?

Did you know that many car insurance carriers take into account your credit score when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

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

Looking specifically at Le Mars and Travelers, which company has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a sizable impact on your monthly premiums. That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

Travelers tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Travelers's average rates for drivers with 6,000 annual miles come in around $55 cheaper than Le Mars. Those who drive 12,000 miles annually can expect to pay about $80 less with Travelers over Le Mars.

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

Where you live can play a big role in how much you pay for car insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Travelers normally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save around 42% with Travelers compared to Le Mars. Drivers in suburban ZIP codes pay about 11% less with Travelers compared to Le Mars. In urban areas, Travelers's average prices are around 30% less than Le Mars Insurance Company.

Le Mars 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. That's where auto insurance discounts comes into play.

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

In the section below, we've taken a look at all of the different discounts Le Mars and Travelers offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Travelers knocks Le Mars out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Le Mars.

There are a couple discounts both carriers offer, but Travelers also offers alternative fuel discounts, continuous insurance discounts, COVID-19 relief discount, and more that Le Mars does not.

On the flip side, Le Mars has a couple unique discounts of its own -- family discounts, marital status discounts, next generation discounts, and more.

Final Thoughts: Is Le Mars or Travelers Best for You?

So, we've broken down the average rates for many of the factors 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 right fit for you?

Travelers might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You're looking for the company with the most discounts.
• You've started working from home and don't have much of a commute.

Le Mars might be best for you if...

• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a good idea of the differences between Le Mars and Travelers and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Le Mars and Travelers. Luckily, sites like Compare.com do all the hard work for you. 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.

Le Mars vs. Travelers FAQs

Is Le Mars or Travelers cheaper?

Looking just at the national average premiums, Travelers is the less expensive of the two carriers, offering average rates of $167 per month compared to $234 for Le Mars. Even so, Travelers won't necessarily be the most affordable carrier for each driver, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Le Mars or Travelers?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Le Mars and Travelers offer me different rates?

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

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

The only way to find the insurance company that's right for you is by getting quotes from multiple 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 free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Le Mars 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.