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

Quick Facts

• In general, Travelers offers significantly more affordable premiums than Nevada General
• Travelers tends to be a much cheaper option for policyholders who are looking to purchase insurance with a spouse
• Travelers offers less expensive average prices for drivers who have a speeding ticket on their driving record

Nevada General or Travelers: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed it down to Nevada General or Travelers for your next policy, but between the two, which company has cheaper premiums for auto insurance?

Looking at the national average rates for both carriers, Travelers has average rates that are around 35% a month less expensive than those from Nevada General.

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

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

Nevada General vs. Travelers: Average Car Insurance Rates by State

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

There's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers. It'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 teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Travelers for their insurance pay almost 40% less than those who use Nevada General.

Even so, both carriers will offer you dramatically lower rates by the time you turn 25. For example, average prices for Nevada General policyholders drop over 65% and Travelers's premiums reduce more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise premiums.

When looking at Nevada General and Travelers specifically, which company is best for retired drivers? Travelers gets the edge, with prices for drivers 65 and older $56 more affordable than the national average for Nevada General.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance rates than married couples. This usually boils down to married policyholders having more than one vehicle on their policy -- something many insurance companies will reward with discounts.

For single drivers, the difference in average prices between these two carriers is significant, with Travelers premiums coming in at a third less than Nevada General's. The advantage for married drivers with Travelers is also obvious, where drivers save about $50 a month.

Nevada General or Travelers: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will typically end up paying a little more.

On average, men see rates around 2% per month higher with Nevada General, and about 6% more with Travelers.

Looking at the data for each carrier specifically, Travelers comes out on top for both men and women, with average premiums $79 less for men and $85 cheaper for women.

Nevada General 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.

It's no secret that car insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing 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 an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability insurance, Travelers has the significant edge, with average monthly prices coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging around $225 a month to Nevada General's $348.

Is Nevada General or Travelers Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Nevada General for their car insurance can generally expect their monthly bill to go up about 10% after getting a speeding ticket. Travelers policyholders can expect a bit more drastic of an increase of around 20%.

That being said, Travelers tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are 39% and 31% cheaper, respectively, compared to Nevada General Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Nevada General raising by about 19%. 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, drivers who use Travelers end up with the cheaper prices after an accident, with average prices coming in at $173 compared to Nevada General Insurance Company's $257.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. Nevada General drivers usually see a 30% climb in their auto insurance rates after a DUI charge, while Travelers will typically raise prices by around 38%.

How does Credit Score Impact Nevada General and Travelers Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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

Looking at Nevada General and Travelers specifically, which one has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Nevada General 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 insurance carriers will charge for coverage. Normally, the more milage 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 Nevada General charges. However, there's a small difference in monthly rates for Travelers, with drivers who put 6,000 miles on their car annually paying about $5 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Travelers is the more affordable company.

Nevada General 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 pretty big impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Travelers boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 35% with Travelers compared to Nevada General. People who live in suburban areas pay about 16% less with Travelers compared to Nevada General. For drivers in urban ZIP codes, Travelers's average premiums are around 41% less than Nevada General Insurance Company.

Nevada General 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 where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Nevada General and Travelers offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Travelers knocks Nevada General out of the park when it comes to the sheer number of discounts available, offering 16 more discounts than Nevada General.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, EFT discounts, and passive restraint discounts -- but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Nevada General has a few proprietary discounts of their own for things like agency transfer discounts, homeowner discounts, online quote discounts, and more.

Final Thoughts: Is Nevada General or Travelers Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Nevada General or Travelers the right company for you and your specific profile and needs?

Travelers might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You live in an urban area.
• You live in a rural neighborhood.

Nevada General might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Nevada General and Travelers. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Nevada General and Travelers. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Nevada General vs. Travelers FAQs

Is Nevada General or Travelers cheaper?

Travelers is the less expensive of the two companies when looking at national average premiums, with policies averaging $167 per month with Travelers and $249 for Nevada General. Even so, that doesn't mean Travelers will be the lowest company for everyone, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Nevada General or Travelers?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Nevada General and Travelers offer me different rates?

Car insurance carriers use lots of different factors when calculating the prices they charge. Things like where you park your car, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Nevada General and Travelers calculate premiums using different formulas, 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 several different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Nevada General 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.