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

Quick Facts

• In general, Travelers offers significantly cheaper premiums than Mendakota
• Travelers offers more affordable average rates for policyholders who may not have much of a commute
• Travelers tends to be a much less expensive option for policyholders who drive fewer than 12,000 miles yearly

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Mendakota or Travelers, but between the two, which company has more affordable prices for car insurance?

As you can see, Mendakota has average rates that are about 30% per month more expensive than those from Travelers when looking at the national average rates for insurance.

Even so, Travelers may not be the cheapest or best option for every single driver out there. Auto insurance companies vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and all sorts of other factors, so rates will vary quite a bit from person to person.

Luckily, we've broken down average premiums from both Mendakota and Travelers by a bunch of different rate factors, so read on to find out which company is the best for you.

Mendakota or Travelers: Average Car Insurance Rates by State

Mendakota and Travelers only compete against each other in Nevada, where Travelers offers the cheaper average prices. For Nevada residents, Travelers offers car insurance for $179 a month on average. Mendakota's average rates come out to be over 30% more expensive, at $244 monthly.

But there's more to calculating auto insurance premiums than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

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 Travelers for their car insurance pay nearly $100 less than those who use Mendakota.

However, both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Mendakota policyholders reduce more than 45% and Travelers's premiums lower over 60% 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 most affordable prices you'll ever find.

When looking at Mendakota and Travelers specifically, which carrier is best for retired drivers? Travelers gets the edge, with premiums for drivers 65 and older $55 less expensive than the national average for Mendakota.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance rates than those who are single. That's normally because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Travelers is the clear winner for single drivers, with prices around $81 a month less expensive than Mendakota, on average. For married policyholders, the advantage is clear again - Travelers has the edge when it comes to average rates.

Mendakota vs. Travelers: Average Rates by Gender

Did you know women usually pay less for insurance than men? This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Men typically pay almost $20 per month more than women with Mendakota, while with Travelers, the difference is closer to $11 a month.

When it comes to the cheapest premiums for each gender, Travelers offers the lowest average rates for both men and women, with average premiums 32% less for men and 31% cheaper for women.

Mendakota 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, car insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Travelers generally offers significantly more affordable prices of $108 compared to Mendakota's $172. When it comes to full coverage policies with similar limits, Travelers again has the edge, with policies about $90 per month cheaper than Mendakota, on average.

Is Mendakota or Travelers Better for Drivers with Spotty Records?

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

It's no secret secret that tickets and accidents lead to higher premiums, but which company -- Mendakota or Travelers -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Mendakota policyholders can expect their premiums to go up an average of $19 a month if they get a ticket, while Travelers normally raises prices around $32 per month, on average.

That being said, Travelers is typically the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $93 and $80 more affordable, respectively, compared to Mendakota Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Mendakota can expect to see about an $52 -- or around 19% -- increase in their auto insurance prices. Drivers who use Travelers for their car insurance will see a monthly bill about $45 (or 26%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use Travelers end up with the cheaper prices after an accident, with monthly premiums averaging $173 compared to Mendakota Insurance Company's $273.

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 car insurance bill -- usually a lot more than an accident or ticket. Travelers drivers usually see a 38% increase in their insurance rates after a DUI charge, while Mendakota will generally raise prices by around 8%.

How does Credit Score Impact Mendakota and Travelers Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly auto insurance premiums. This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for many drivers.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper rates.

So, which company offers the lowest premiums 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 Mendakota or Travelers Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Usually, the more miles you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mendakota charges. However, there's a small difference in monthly prices for Travelers, with policyholders who drive the least paying about $5 less each month compared to those who drive 12,000 miles every year. Still, Travelers is the more affordable option for drivers in both categories.

Mendakota vs. 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 insurance, but the type of area you live in can have a big impact as well. Typically, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the roads in those areas.

Travelers tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Travelers offers premiums around $204 per month compared to Mendakota's $418. People who live in suburban ZIP codes can expect to pay about $160 a month for Travelers and $176 for Mendakota. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly prices coming in at $136 and $138 for Travelers and Mendakota respectively.

Mendakota vs. Travelers Discounts

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

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 qualify for.

In the section below, we've compared all of the different discounts offered by Mendakota and Travelers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Travelers blows Mendakota away when it comes to the sheer amount of discounts available, offering 20 more discounts than Mendakota.

There are a couple discounts both companies offer, but Travelers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that Mendakota does not.

On the flip side, Mendakota has a unique discount of its own -- a homeowner discounts.

Final Thoughts: Is Mendakota or Travelers Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, is Mendakota or Travelers the right one for you, your vehicle, and your wallet?

Travelers might be best for you if....

• You're thinking about moving to another state -- undefined is only available in.
• You live in an urban area.
• You are over 65 years old and want to save some money on your insurance.

Mendakota might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Mendakota 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 multiple companies, not just Mendakota 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 car insurance carriers in your area, all in just a few minutes.

Mendakota vs. Travelers FAQs

Is Mendakota or Travelers cheaper?

Looking just at the national average rates, Travelers is the less expensive of the two companies, offering average rates of $167 per month compared to $244 for Mendakota. But Travelers won't necessarily be the cheapest company for each driver, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Mendakota or Travelers?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Mendakota and Travelers offer me different rates?

Auto insurance carriers take a look at several different factors when calculating the premiums they charge policyholders. Variables such as age, gender, your driving record, where your home is, and sometimes even things like your credit score can all come into play. Both Mendakota and Travelers use different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers 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 ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Mendakota 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.