Pioneer State Mutual vs. Travelers: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Travelers offers significantly less expensive prices than Pioneer State Mutual
• Travelers offers cheaper average rates for policyholders who live in suburban areas
• Travelers tends to be a much more affordable option for single people who will be the only person on the insurance policy

Pioneer State Mutual 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've maybe even narrowed it down to Pioneer State Mutual or Travelers as your top options, but which one will save you the most?

Looking at the national average rates for both carriers, Travelers is quite a bit cheaper than Pioneer State Mutual, with prices averaging $167 a month compared to $310 with Pioneer State Mutual.

But that doesn't mean Travelers will necessarily be cheaper than Pioneer State Mutual for every driver. Car insurance companies vary their rates depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and a ton of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Pioneer State Mutual or Travelers is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Pioneer State Mutual vs. Travelers: Average Car Insurance Rates by State

Pioneer State Mutual and Travelers only compete against each other in Michigan, where Pioneer State Mutual offers the cheaper average premiums. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

There's a lot more that goes into your auto insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. Typically, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 insurance pay almost 35% less than those who use Pioneer State Mutual.

However, both carriers will reduce prices by the time drivers turn 25. Travelers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Pioneer State Mutual's average premiums drop nearly 45% during that same period.

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 rates you can find.

When looking at Pioneer State Mutual and Travelers specifically, which carrier is best for retired drivers? Travelers gets the edge, with prices for drivers 65 and older over 45% more affordable than the national average for Pioneer State Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally more expensive for single drivers than they are for married policyholders? This usually boils down to married couples having multiple vehicles on their policy -- something quite a few car insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with Travelers rates coming in at around half of Pioneer State Mutual's. The advantage is also clear for married drivers - Travelers offers the lowest average premiums.

Pioneer State Mutual or Travelers: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men.

Everyone gets the same monthly rates regardless of gender with Pioneer State Mutual, and about $11 less with Travelers.

When it comes to the cheapest premiums for each gender, Travelers comes out on top for both men and women. On average, male drivers save about $138 a month and women save around $149 with Travelers compared to the average Pioneer State Mutual policyholder.

Pioneer State Mutual 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.

For most people, auto insurance can be pretty complicated. There are a bunch of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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 normally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, 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 about $225 per month to Pioneer State Mutual's $438.

Is Pioneer State Mutual or Travelers Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car 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 collisions and speeding tickets on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Pioneer State Mutual for their auto insurance can usually expect their monthly bill to go up around 42% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of about 20%.

Even so, Travelers has less expensive rates for drivers in both categories. With Travelers, drivers with a clean record can save around $80 a month and drivers with a ticket can save about $200 per month.

Which Company is Best for Drivers After an Accident?

Pioneer State Mutual drivers who get in a collision can expect to see their prices increase by just under $40, while those who have insurance through Travelers will see around a $45 increase.

At the end of the day, the cheaper rates come from Travelers, with average premiums coming in at $173 compared to Pioneer State Mutual's $247.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. Pioneer State Mutual drivers usually see a 51% raise in their insurance prices after a DUI charge, while Travelers will typically climb rates by about 38%.

How does Credit Score Impact Pioneer State Mutual and Travelers Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it might come into play for several policyholders.

Auto 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, drivers with good credit will often be rewarded with less expensive prices.

Looking at Pioneer State Mutual and Travelers specifically, which company has the most affordable 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 Pioneer State Mutual or Travelers Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance payment. Generally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Pioneer State Mutual charges. However, there's a small difference in monthly premiums for Travelers, with drivers who put 6,000 miles on their car annually paying around $5 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Travelers is the cheaper company.

Pioneer State Mutual or Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly insurance cost. Normally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the roads where they live.

Travelers boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Travelers's average premiums are about $191 less than Pioneer State Mutual. People who live in suburban areas pay around $144 less with Travelers compared to Pioneer State Mutual. Those in rural areas can expect to save about $95 with Travelers compared to Pioneer State Mutual.

Pioneer State Mutual vs. Travelers Discounts

No matter 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 you can. That's where auto insurance discounts comes into play.

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

Luckily, we did the hard work for you and looked at all of the different discounts Pioneer State Mutual and Travelers offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Travelers blows Pioneer State Mutual away when it comes to the sheer amount of discounts available, offering 13 more discounts than Pioneer State Mutual.

There are a couple discounts both companies offer, but Travelers also offers discounts for advance quote, alternative fuel, continuous insurance, and more.

On the other hand, Pioneer State Mutual has a few proprietary discounts of their own for things like affiliation policy experience discounts, comp only discounts, employee discounts, and more.

Final Thoughts: Is Pioneer State Mutual or Travelers Best for You?

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which insurance carrier is the right one for you, your vehicle, and your wallet?

Travelers might be best for you if....

• You have an at-fault collision on your record.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles yearly.

Pioneer State Mutual might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Pioneer State Mutual 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 best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Pioneer State Mutual and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Pioneer State Mutual vs. Travelers FAQs

Is Pioneer State Mutual or Travelers cheaper?

Travelers is the less expensive of the two companies when looking at national average rates, with policies averaging $167 a month with Travelers and $310 for Pioneer State Mutual. That being said, that doesn't mean Travelers will be the most affordable company for each driver, since there are multiple different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Pioneer State Mutual or Travelers?

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

Why do Pioneer State Mutual and Travelers offer me different rates?

Auto insurance carriers use many different variables when determining the prices they charge. Things such as your driving record, where you park your car, age, gender, and sometimes even things like your credit score can all be used. Both Pioneer State Mutual and Travelers calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Pioneer State Mutual 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 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. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Pioneer State Mutual 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.