Travelers vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• In general, Western Reserve Group offers cheaper premiums than Travelers
• Travelers may help you save more money -- they offer more discounts than Western Reserve Group
• Western Reserve Group offers more affordable average prices for policyholders who live in urban areas

Travelers or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Travelers or Western Reserve Group, but which company has less expensive premiums for insurance?

Looking at nationwide averages, Western Reserve Group has average rates that are around 18% a month more affordable than those from Travelers.

However, Western Reserve Group may not be the cheapest or best option for each driver out there. Auto insurance carriers use a variety of complex algorithms to determine rates, so depending on where you live or how good your credit score is (among a whole range of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both Travelers and Western Reserve Group by lots of different rate factors, so read on to find out which carrier is the best for you.

Travelers vs. Western Reserve Group: Average Car Insurance Rates by State

Travelers and Western Reserve Group only compete against each other in two states, with Travelers offering cheaper prices to the average driver in all of them. Indiana has the most noticable difference, where Travelers premiums are $55 less expensive than car insurance rates at Western Reserve Group.

That being said, there's a lot more that goes into your insurance payment than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Western Reserve Group for their auto insurance pay 25% less than those who use Travelers. It's worth noting that Travelers offers insurance in 31 different states compared to Western Reserve Group's two, which can skew the average premiums a bit, but the difference here is still considerable.

But with both companies, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Travelers policyholders reduce over 60% and Western Reserve Group's prices decrease almost 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable auto insurance premiums out there. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise prices.

So, which company offers the best rates to retired drivers? Western Reserve Group gets the edge here, with average premiums coming in at about $107 a month compared to Travelers's $132.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be cheaper for married drivers than they are for those who are single. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Western Reserve Group rates coming in at around 15% less than Travelers's. For married couples, the advantage is clear again - Western Reserve Group has the edge when it comes to average premiums.

Travelers or Western Reserve Group: Average Rates by Gender

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

With Travelers, women usually pay about 6% per month less than men, but surprisingly, with Western Reserve Group, women typically pay around 1% more a month than men.

When it comes to the cheapest prices for each gender, Western Reserve Group comes out on top for both men and women, with average premiums $36 less for men and $23 cheaper for women.

Travelers vs. Western Reserve Group: 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.

Car insurance isn't the easiest topic to understand. There are multiple different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Western Reserve Group has the edge, with average monthly rates coming in at $94. If you want a full coverage policy with the same state minimum limits, Western Reserve Group again has the edge, with policies averaging about $180 per month to Travelers's $225.

Is Travelers or Western Reserve Group Better for Drivers with Spotty Records?

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Travelers for their auto insurance can normally expect their monthly bill to go up around 20% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of about 28%.

Even so, Western Reserve Group tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 31% less expensive for drivers with clean records and 24% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Travelers can expect to see around an $45 -- or about 26% -- rise in their insurance rates. Drivers who use Western Reserve Group for their auto insurance will see a monthly bill around $32 (or 27%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, drivers who use Western Reserve Group end up with the cheaper prices after an accident, with average prices coming in at $120 compared to Travelers's $173.

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 auto insurance bill -- generally a lot more than a collision or speeding ticket. For example, Western Reserve Group increases average premiums by nearly $150 a month -- that's nearly a 60% increase.

Travelers has the overall lowest rates for drivers with a DUI on their records at $205 per month, but it's worth noting that Travelers's average rates come from 31 states compared to just two for Western Reserve Group, so the data may be skewed slightly.

How does Credit Score Impact Travelers and Western Reserve Group Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for several drivers.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the cheapest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Western Reserve Group will typically reward you the most. For policyholders with "excellent" credit scores, Western Reserve Group comes in just under 13.45 cheaper. Drivers with "good" credit scores usually save about 18% with Western Reserve Group compared to average rates from Travelers.

Which Company is Best for Drivers with Bad Credit?

Western Reserve Group typically offers lower premiums than Travelers when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 20% per month less with Western Reserve Group compared to Travelers, and those with "poor" scores normally save an average of about 18% monthly.

Is Travelers or Western Reserve Group Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly auto insurance bill. Typically, the more milage you put on your vehicle each year, 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 Western Reserve Group charges. However, there's a small difference in monthly prices for Travelers, with drivers who put 6,000 miles on their car annually paying around $5 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Western Reserve Group is the less expensive carrier.

Travelers or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a large role in how much you pay for insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Western Reserve Group generally comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 8% with Western Reserve Group compared to Travelers. People who live in suburban areas pay around 13% less with Western Reserve Group compared to Travelers. For drivers in urban ZIP codes, Western Reserve Group's average premiums are about 28% less than Travelers.

Travelers vs. Western Reserve Group Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult 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 Travelers and Western Reserve Group offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers blows Western Reserve Group away when it comes to the sheer amount of discounts available, offering 14 more discounts than Western Reserve Group.

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

On the other hand, Western Reserve Group has a few proprietary discounts of their own for things like agency transfer discounts, company car discounts, homeowner discounts, and more.

Final Thoughts: Is Travelers or Western Reserve Group Best for You?

You've seen the effect certain factors have on your insurance and the different discounts carriers offer. But, at the end of the day, which company is the right carrier for you and your specific driver profile?

Western Reserve Group might be best for you if....

• You have an at-fault collision on your record.
• Your home is in a busy urban area.
• You live in a rural area.

Travelers might be best for you if...

• You're planning on moving to another state soon -- Western Reserve Group is only available in Indiana and Ohio.
• Your driving record includes a DUI charge.
• You're looking for discounts -- Travelers has the most.

Hopefully, this guide helps you get a better idea of the difference between Travelers and Western Reserve Group and that you can now make a more informed 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 multiple companies, not just Travelers and Western Reserve Group. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Travelers vs. Western Reserve Group FAQs

Is Travelers or Western Reserve Group cheaper?

Western Reserve Group is the more affordable of the two companies when looking at national average rates, with policies averaging $137 a month with Western Reserve Group and $167 for Travelers. That being said, that doesn't mean Western Reserve Group will be the lowest carrier for every driver, since there are a variety of different variables that come into play when it comes to your auto insurance cost.

Who is better, Travelers or Western Reserve Group?

Unfortunately, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Western Reserve Group is cheaper for drivers with excellent credit, while Travelers offers more affordable prices for drivers with a recent DUI.

Why do Travelers and Western Reserve Group offer me different rates?

Insurance carriers use a lot of different factors when determining the rates they charge. Variables like gender, age, where you call home, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Travelers and Western Reserve Group use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

How do I know if Travelers or Western Reserve Group is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Travelers or Western Reserve Group 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.