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

How do Rurual Mutual and Travelers compare when it comes to insurance premiums and discounts? If you want to find out which company has the best rates for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Rurual Mutual offers slightly cheaper prices than Travelers
  • Rurual Mutual offers more affordable average rates for people who are single and purchasing insurance by yourself
  • Travelers tends to be a much less expensive option for policyholders who may not have much of a commute


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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might be considering Rurual Mutual or Travelers, but between the two, which company has more affordable premiums for car insurance?

Rurual Mutual Travelers
$167$167

Looking at the national average rates for both companies, Rurual Mutual is about $0 per month less expensive than Travelers.

But Rurual Mutual may not be the cheapest or best option for each driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so prices will change quite a bit from person to person.

Wanting to know if Rurual Mutual or Travelers is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Rurual Mutual or Travelers: Average Car Insurance Rates by State

State Rurual Mutual Travelers
WI$167$117

Rurual Mutual and Travelers only compete against each other in Wisconsin, where Travelers offers the cheaper average premiums. For Wisconsin residents, Travelers offers car insurance for $117 per month on average. Rurual Mutual's average prices come out to be over 40% more expensive, at $167 monthly.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Continue reading to learn more about how other factors will affect your rates.


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Which is the Best Company For Young Drivers?

Rurual Mutual Travelers
18-year-old drivers$336$353
25-year-old drivers$144$141

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Rurual Mutual for their auto insurance pay more than $15 less than those who use Travelers.

However, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average rates for Rurual Mutual policyholders reduce over 55% and Travelers's premiums decrease more than 60% over that time.

Which is the Best Company for Retired Drivers?

Rurual Mutual Travelers
65+-year-old drivers$135$132

Drivers around retirement age normally enjoy some of the lowest insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase rates.

So, which company offers the best prices to retired drivers? Travelers gets the slight edge here, with average rates coming in at around $132 a month compared to Rurual Mutual's $135. That being said, the difference is only about 5%, so other variables (such as your credit score or your driving record) will likely come into play when determining which carrier has the most affordable premiums for you.

Which is the Best Company for Married Drivers?

Rurual Mutual Travelers
Single$189$190
Married$138$136

Single policyholders tend to get offered slightly more expensive auto insurance rates than married couples. That's because policies for married drivers usually cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Rurual Mutual is the winner for those who are single, with premiums around $1 a month cheaper than Travelers, on average.

Rurual Mutual vs. Travelers: Average Rates by Gender

Rurual Mutual Travelers
Male$173$172
Female$162$161

Men generally pay more for car insurance than women. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

With Rurual Mutual, women normally pay about 6% per month less than men, and around 6% less with Travelers.

When it comes to the lowest rates for each gender, Travelers comes out on top for both men and women, with average prices 1% less for men and 1% cheaper for women.


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Rurual Mutual or Travelers: Compare State Minimum vs. Full Coverage Rates

Rurual Mutual Travelers
State Minimum*$67$108
Full Coverage**$267$225

*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.

Insurance can be a complicated subject for most people. There are a range of different coverages that account for a variety 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 end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

In this case, Rurual Mutual offers the most affordable average premiums for state minimum liability insurance, while Travelers has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $40 with Rurual Mutual Insurance, while full coverage comes out to be about $40 more affordable with Travelers.

Is Rurual Mutual or Travelers Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great prices 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 tickets and at-fault accidents on your record, but which of these two companies offers the cheapest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Rurual Mutual Travelers
Clean Record$117$128
1 Speeding Ticket$127$160

Rurual Mutual policyholders can expect their rates to go up an average of $10 a month if they get a ticket, while Travelers typically raises prices around $32 per month, on average.

But Rurual Mutual is usually the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 9% cheaper for drivers with clean records and 21% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Rurual Mutual Travelers
Clean Record$117$128
1 At-Fault Accident$136$173

Rurual Mutual policyholders who get in an accident can expect to see their rates increase by just under 15%, while those who have insurance through Travelers will see about a 25% increase.

Overall, drivers who use Rurual Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $136 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

Rurual Mutual Travelers
Clean Record$117$128
1 DUI$288$205

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or ticket. On average, Rurual Mutual will raise your rates around 59% after a DUI, while Travelers's average premiums rise by just under 40%.


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How does Credit Score Impact Rurual Mutual and Travelers Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly car insurance prices. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few drivers.

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, policyholders with good credit will often be rewarded with cheaper premiums.

So, which company offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Rurual Mutual Travelers
Excellent Credit Score$124$119
Good Credit Score$140$142

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual Travelers
Fair Credit Score$178$173
Poor Credit Score$227$231

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Is Rurual Mutual or Travelers Better for Drivers who Work from Home or Have Short Commutes?

Rurual Mutual Travelers
6,000 Annual Miles$167$164
12,000 Annual Miles$167$169

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance bill. That's because the fewer miles you put on your car each year, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rurual Mutual charges. However, there's a small difference in monthly prices for Travelers, with policyholders who drive 6,000 miles annually paying about $5 less every month compared to those who drive 12,000 miles each year.

Rurual Mutual vs. Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for auto insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Rurual Mutual Travelers
Urban Areas$211$204
Suburban Areas$132$160
Rural Areas$158$136

Travelers boasts the cheapest average rates in rural and urban areas, while Rurual Mutual wins in suburban areas.

If you live in a rural area, you can expect to save around $22 with Travelers compared to Rurual Mutual. Drivers in suburban ZIP codes pay about $28 less with Rurual Mutual compared to Travelers. In urban areas, Travelers's average prices are around $7 less than Rurual Mutual Insurance.

Rurual Mutual 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, and the best way to do that is by taking advantage of as many insurance discounts as you can.

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

In the table below, we've taken a look at all of the different discounts Rurual Mutual and Travelers offer their customers so that you can see which carrier can save you the most money each month.

Rurual Mutual Travelers
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount 
Claim Free Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount
Hybrid Vehicle Discount 
Mature Driver Discount 
Multi-Car Discount 

Travelers knocks Rurual Mutual out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Rurual Mutual's 25.

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

On the flip side, Rurual Mutual has a unique discount of its own -- a claim free discounts.


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Final Thoughts: Is Rurual Mutual or Travelers Best for You?

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the best one for you and your specific driver profile?

Travelers might be best for you if....

  • You want to save extra money with discounts.
  • Your neighborhood is in a city.
  • You and your spouse are buying car insurance together.


Rurual Mutual might be best for you if...

  • You have a clean record.
  • You want to save money on your insurance after a collision.
  • You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Rurual Mutual and Travelers and that it aids in making a more informed decision about your auto insurance.

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


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Rurual Mutual vs. Travelers FAQs

Is Rurual Mutual or Travelers cheaper?

Looking just at the national average premiums, Rurual Mutual is the more affordable of the two companies, offering average rates of $167 a month compared to $167 for Travelers. That being said, Rurual Mutual won't necessarily be the most affordable carrier for every policyholder, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Rurual Mutual or Travelers?

Unfortunately, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Rurual Mutual offers cheaper prices for single policyholders, while Travelers is more affordable for drivers who have already retired.

Why do Rurual Mutual and Travelers offer me different rates?

Insurance carriers take a look at a lot of different variables when calculating the rates they charge drivers. Factors such as where you call home, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Rurual Mutual 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 cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Rurual Mutual 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.

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