Geico vs. Travelers Auto Insurance (2024)
Comparing GEICO vs. Travelers car insurance rates show GEICO is slightly cheaper based on age, driving record, and credit score, and much cheaper for teen drivers. External ratings of Liberty Mutual vs. GEICO car insurance companies reveal GEICO having an A++ from A.M. Best and Travelers having higher customer satisfaction. However, Travelers offers a wider variety of discounts.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
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- You can save over 85% on auto insurance for your teen driver by choosing Geico over Travelers
- If you have a bad driving record, Geico is a better choice than Travelers
- Geico has heftier discounts, but Travelers has a wider variety
Both Geico and Travelers are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?
We’ll compare Geico vs. Travelers auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Geico vs. Travelers auto insurance companies.
Before starting this Geico vs. Travelers auto insurance review, use our tool and enter your ZIP code to compare multiple companies in your area.
Is Geico auto insurance or Travelers auto insurance cheaper based on age?
Generally speaking, the older we get, the more driving experience we have. This is why auto insurance companies use age as one of the most influential factors in determining your auto insurance rates.
It’s legal to base auto insurance rates on marital status and gender in most states; however, some have banned this practice. Let’s compare how affordable Geico vs. Travelers auto insurance rates are based on age, gender, and marital status.
GEICO vs. Travelers Average Annual Auto Insurance Rates by Age
| Age, Gender, and Marital Status | Geico Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $5,654 | $9,307 |
| Single 17-year-old male | $6,279 | $12,851 |
| Single 25-year-old female | $2,379 | $2,325 |
| Single 25-year-old male | $2,263 | $2,491 |
| Married 35-year-old female | $2,303 | $2,179 |
| Married 35-year-old male | $2,312 | $2,200 |
| Married 60-year-old female | $2,247 | $2,052 |
| Married 60-year-old male | $2,283 | $2,074 |
Geico has some of the best auto insurance rates for teens. In comparison, you will pay 85% more with Travelers if you have a young driver in your household.
When it comes to auto insurance for those 25 and older, Travelers is about 3% cheaper than Geico, which is a much less significant difference.
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Is Geico auto insurance or Travelers auto insurance cheaper based on driving record?
Speeding tickets, accidents, or DUIs on your driving record will raise your auto insurance rates no matter what company you pick because these infractions make you look like a high-risk driver.
GEICO vs. Travelers Average Annual Auto Insurance Rates by Driving Record
| Infraction | Geico Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Clean record | $2,146 | $3,448 |
| With one speeding violation | $2,645 | $4,261 |
| With one accident | $3,193 | $4,290 |
| With one DUI | $4,876 | $5,741 |
If you have a clean driving record, expect to pay about $1,300 more with Travelers than you would with Geico.
It’s also important to take a close look at how punitive each company is if you sign up with a clean driving record but then later get an infraction.
Geico has steeper penalties if you get a speeding ticket, cause an accident, or get a DUI. Your rates with Geico will more than double if you get caught driving under the influence.
Travelers is slightly more lenient, only increasing customers’ rates by 67% for a DUI infraction.
Is Geico auto insurance or Travelers auto insurance cheaper based on credit score?
A good credit score can drop in a matter of months if you experience some type of financial trauma, such as incurring medical debt or going through a divorce.
In most states, it is legal for auto insurance companies to base rates on your credit score; however, some are banning this practice along with basing rates on gender and marital status.
Car insurance companies justify using your credit score to determine your rates based on the assumption that those with higher credit scores are more responsible and more likely to pay for damages out of pocket rather than filing a claim.
Let’s take a look at how Geico and Travelers set rates for drivers based on credit score.
GEICO vs. Travelers Average Annual Auto Insurance Rates by Credit Score
| Credit Score | Geico Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $2,435 | $4,059 |
| Fair Credit Score (580-669) | $2,987 | $4,344 |
| Poor Credit Score (300-579) | $4,260 | $5,160 |
No matter what your credit score is, a Geico quote will be cheaper than with Travelers.
Once you are with Geico and your credit score drops, however, expect your auto insurance rates to increase by 75%, whereas Travelers will increase your rates by only 27%.
You may live in a state, such as California, where basing auto insurance on credit scores is illegal. Check your state’s laws before judging Geico vs. Travelers auto insurance quotes based on credit score alone.
Does Geico or Travelers have better auto insurance discounts?
Auto insurance discounts vary widely. That’s why it pays to shop around, especially if you have a bad driving record or a low credit score. Discounts can help offset high rates.
GEICO vs. Travelers Auto Insurance Discounts
| Discounts | Geico Discount Percentage | Travelers Discount Percentage |
|---|---|---|
| Anti-lock Brakes | 5 | n/a |
| Anti-Theft | 25 | n/a |
| Claim Free | 26 | 23 |
| Continuous Coverage | n/a | 15 |
| Daytime Running Lights | 1 | n/a |
| Defensive Driver | n/a | 10 |
| Distant Student | n/a | 7 |
| Driver's Ed | n/a | 8 |
| Driving Device/App | n/a | 30 |
| Early Signing | n/a | 10 |
| Emergency Deployment | 25 | n/a |
| Federal Employee | 8 | n/a |
| Full Payment | n/a | 7.5 |
| Good Student | 15 | 8 |
| Green Vehicle | n/a | 10 |
| Homeowner | n/a | 5 |
| Military | 15 | n/a |
| Multiple Policies | 10 | 13 |
| Multiple Vehicles | 25 | 8 |
| Newer Vehicle | n/a | 10 |
| On Time Payments | n/a | 15 |
| Paperless/Auto Billing | n/a | 3 |
| Passive Restraint | 40 | n/a |
| Safe Driver | 15 | 23 |
| Seat Belt Use | 15 | n/a |
| Vehicle Recovery | 25 | n/a |
When comparing discounts offered by either company, Geico has a total of 12 auto insurance discounts and Travelers has a total of 17 discounts.
Geico offers excellent discounts, with the highest ranging from 25%-40% for being claim-free, having multiple vehicles on your policy, and having air bags, anti-theft equipment, or a vehicle recovery system.
Travelers offers a claim-free discount of 23%. Other great discounts ranging from 15%-30% are available for making on-time payments, having continuous coverage, being a safe driver, and using the Travelers driving app.
The discounts offered by auto insurance companies often target specific types of drivers, so when you get your Travelers and Geico auto insurance quotes, be sure to ask if there are any additional discounts.
You can also call the Geico insurance phone number or Travelers insurance phone number to find out more ways to save with discounts.
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What types of auto insurance coverages are offered by Geico and Travelers?
Since Geico and Travelers are two of the 10 companies that make up most of the auto insurance market share, they have the means to offer a wider variety of auto insurance coverages beyond the standard six coverages listed below.
Be sure you understand the various auto insurance coverage types before purchasing each one:
- Liability auto insurance coverage (bodily injury and property damage)
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/underinsured auto insurance coverage
- Medical payments (MedPay) auto insurance coverage (particularly important in states that require no-fault auto insurance)
- Personal injury protection (PIP) auto insurance coverage
Be sure to take a close look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.
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Does Geico or Travelers have better mobile apps?
Usage-based auto insurance has become an industry trend in the last decade or so, and all of the bigger auto insurance companies have an app for your phone or a device you can install in your vehicle that will evaluate your driving for a discount.
Both companies offer mobile apps and websites where you can use your Travelers or Geico login to view your ID cards and coverage information, pay your bill, and access Geico or Travelers roadside assistance.
Usually, your Geico login or Travelers insurance login will work with both the general app and the driving app.
How does Geico and Travelers auto insurance compare in financial strength and customer satisfaction?
Buying auto insurance is a big financial responsibility, so you want to make sure you’re choosing the right company that will be there for you when you need it.
A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be examined before you make your decision.
The following three agencies provide insight into these factors:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction with the Geico claims process and the Travelers claims process, step by step.
In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.
In 2017, the national average complaint ratio was one. The lower the ratio, the better.
Before you choose between Geico vs. Travelers auto insurance, take a look at the following external ratings for Geico and Travelers.
GEICO vs. Travelers Auto Insurance Ratings
| Rating Agency | Geico | Travelers |
|---|---|---|
| AM Best Rating | A++ | N/A |
| Consumer Reports | 89 | 90 |
| NAIC Company Complaint Ratio | 0.68 | 0.09 |
| NAIC Total Complaints | 333 | 2 |
Both Geico and Travelers are highly rated when it comes to customer satisfaction with the claims process. Both Travelers and Geico also have strong ratings for customer service.
Geico has a higher customer complaint ratio but holds an A++ from A.M. Best for financial stability.
Before you buy Geico vs. Travelers auto insurance, enter your ZIP code to compare multiple car insurance companies in your area.
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Frequently Asked Questions
What are Geico and Travelers Auto Insurance?
Geico and Travelers are both well-known insurance companies that offer auto insurance coverage to individuals and businesses. They provide a range of policies to protect vehicles and drivers against financial loss in the event of accidents, theft, or other covered incidents.
How do Geico and Travelers compare in terms of reputation?
Both Geico and Travelers have established reputations in the insurance industry. Geico is known for its extensive advertising campaigns and competitive rates, while Travelers is recognized for its financial stability and customer service. It is advisable to research and compare customer reviews and ratings to determine which company aligns better with your specific needs.
How can I obtain a quote from Geico and Travelers?
To obtain a quote from Geico, you can visit their website or contact their customer service directly. Geico offers an online quote tool that allows you to enter your information and receive a quote within minutes. Travelers also provides online quoting capabilities through their website, or you can get in touch with a Travelers agent to request a quote.
Which company offers more affordable rates, Geico or Travelers?
The affordability of insurance rates can vary depending on several factors, such as your location, driving history, the type of vehicle you own, and the coverage options you select. It is recommended to request quotes from both Geico and Travelers to compare their rates based on your individual circumstances and insurance needs.
Can I bundle other types of insurance with my auto insurance policy?
Yes, both Geico and Travelers offer the option to bundle other types of insurance policies with your auto insurance. This can include homeowners insurance, renters insurance, motorcycle insurance, and more. Bundling policies with the same company can often lead to discounts and potential cost savings.