Travelers vs. USAA: Best Auto Insurance for Military and Veterans [2024]

If you’re interested in finding good deals on auto insurance for veterans, you may be drawn toward USAA. As a company built in 1922 by U.S. military officers for their comrades, it caters to military families. However, Travelers has also been around for more than 100 years.

Follow this guide to look at Travelers vs. USAA and determine which company is the best auto insurance for military and veterans. Learn about third-party company ratings and compare Travelers vs. USAA auto insurance rates. Both companies are highly rated. You may need to base your decision on the available discounts, and we’ll discuss that here.

If you’re ready to start comparing auto insurance providers in your area, begin by using our free tool. Enter your ZIP code now to see what auto insurance policy is right for you and read on to learn how Travelers and USAA compare. 

Travelers vs. USAA: Comparing Rates

USAA has lower rates when compared with Travelers and most other companies. Based on auto insurance rates, USAA is the most affordable for military and veterans. However, there may be someone you want to add to your policy that doesn’t qualify under USAA, or maybe you’re not in the military yet. If that’s the case, keep comparing these two companies. 

Take a look at the average annual rates for Travelers and USAA.

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Seamless Claims Process With Travelers vs. USAA

Ease of Filing a Claim

When it comes to the claims process, both Travelers and USAA offer convenient options for policyholders. You can file a claim with both companies through various channels, including online, over the phone, and via mobile apps. These flexible options make it easy for you to report an incident and start the claims process quickly.

Average Claim Processing Time

One critical aspect of assessing an auto insurance provider is the speed at which they process claims. While specific processing times may vary depending on the complexity of the claim, both Travelers and USAA are known for their efficient claims processing. On average, policyholders can expect a relatively quick turnaround time when filing a claim with either company.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction with the claims resolution process and payout is a crucial factor when choosing an auto insurance provider. Travelers and USAA both have good reputations in this regard.

To gain insights into the real customer experience, it’s essential to consider feedback and reviews from policyholders who have filed claims with these companies. This can provide valuable information on how well each insurer handles claims and compensates their customers.

Unleashing Innovation With Travelers vs. USAA Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, many policyholders prefer the convenience of managing their insurance policies through mobile apps. Both Travelers and USAA offer mobile apps with features and functionality that enhance the customer experience.

These apps often allow users to view policy details, make payments, access digital ID cards, and even file claims. Evaluating the user-friendliness and capabilities of these apps can help you determine which insurer aligns better with your digital preferences.

Online Account Management Capabilities

Online account management is another essential aspect of the digital experience offered by auto insurance companies. Travelers and USAA provide online portals where policyholders can access and manage their accounts.

This includes tasks like updating personal information, reviewing policy documents, and tracking claims. Examining the user interface, accessibility, and functionality of these online platforms can guide your decision when choosing between the two insurers.

Digital Tools and Resources

To assist policyholders in various aspects of auto insurance, both Travelers and USAA typically offer digital tools and resources. These may include educational resources, calculators, and guides to help you make informed decisions about your coverage. Exploring the availability and usefulness of these digital resources can be beneficial when deciding which insurer best suits your needs.

Travelers vs. USAA: Comparing Company Ratings

Travelers is rated among the top three auto insurance companies. USAA has comparably strong ratings across the board. USAA is best known for its customer service, coverage benefits, high financial strength, and J.D. Power scores. Travelers owns 1.8 percent of the market share.

Both companies have comparable ratings from third-party companies. 

• A.M. Best – Travelers was given an “A++” and USAA car insurance has an “A++” rating
• From Moody’s, Travelers was given an “A2a” and USAA was given an “Aaa”
• And S&P’s gave Travelers an “AA” and USAA an “AA+”

While J.D. Power gave USAA five out of five stars for power rankings, it gave Travelers four out of five stars. 

Learn more in the next section about military discounts and other discounts these companies offer. 

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Travelers vs. USAA: Comparing Military Discounts

USAA members generally see about a $700 reduction annually when they switch to USAA from other auto insurance companies, since its rates are already discounted. The company does offer other discounts on auto insurance policies:

USAA offers discounts for driving: 

• Safe Driver 
• Defensive Driving 
• Driver Training 
• Good Student 

USAA offers discounts for your vehicle: 

• New Vehicle 
• Multi-Vehicle 
• Annual Mileage
• Vehicle Storage

USAA offers discounts for your membership: 

• Family Discount 
• Length of Membership
• Military Installation

Travelers doesn’t offer a specific military discount, but it does provide a long list of discounts. These are most, but not all, of the discounts available to members of Travelers insurance. Though these are not specific to the military and veterans, you can still benefit from these discounts. 

• Multi-Policy Discount: You could save up to 13 percent on your auto insurance when you also purchase your home/condo insurance with other insurance policies from Travelers.
• MultiCar Discount: Some multi-car families are eligible for a discount of up to 8 percent.
• Home Ownership Discount: This is a discount of up to five percent on your car insurance if you own a home or condo.
• Safe Driver Discount: No accidents, violations, or major comprehensive claims could save you between 10 and 23 percent. 
• Continuous Insurance Discount: Customers with no gaps in their coverage are eligible for a discount of up to 15 percentage.
• Hybrid/Electric Vehicle Discount: If you own or lease a hybrid car, you could save on your Travelers auto insurance. That means an environmentally-friendly car is good for your wallet, too.
• New Car Discount: When you purchase or own a less than a three-year-old car, you may qualify for a discount of up to 10 percent just for owning a newer model vehicle.
• EFT, Paid in Full and Good Payer Discounts: You can save seven percent if you pay your policy in full, two to three percent by paying through electronic funds transfer (EFT) or payroll deduction, and as much as 15 percent by consistently paying on time.
• Early Quote Discount: You may be eligible for up to a 10 percent discount if you get an early quote. 
• Good Student Discount: Policyholders with drivers who are fully enrolled in high school or college can maintain a “B” average or better qualify for an 8 percent discount on auto insurance.
• Student Away at School Discount: Save seven percent on auto insurance when you or your children go away to school. 
• Driver Training Discount: To encourage young drivers to sharpen their driver training skills, Travelers offers a discount of up to eight percent for those drivers who have completed an approved driver education course.

Read more: Best Affordable Insurance for College Students

Learn more about who offers a discount to veterans for auto insurance. 

So, you’ve gathered all the facts, now what?

How should you choose between Travelers and USAA?

Both Travelers and USAA have pros and cons. If the military connection is important for you and your family when purchasing auto insurance, then USAA may be the choice for you. USAA has been proudly serving our military and veterans since 1922, while Travelers has been providing insurance for more than 150 years. Both companies have a great reputation for customer service and financial strength, as we’ve learned.

Travelers stands its ground against USAA in discounts offered to bring down your costs. It offers very similar programs and benefits, which can be hard when you’re choosing a provider. You have all the information you need. Now you need to get an auto insurance quote. 

Remember, auto insurance providers will collect demographic information to give you an insurance rate. These factors will include: 

• Age 
• Driving history 
• Car make and model year 
• Location 
• How often you drive 
• What you use the car for 
• Who is in the car with you, and more 

Ready to start comparing insurance rates now that you’ve compared Travelers and USAA? Enter your ZIP code now to get started.

Frequently Asked Questions: Travelers vs. USAA

If you still have more questions about USAA or Travelers, see if you can find the answer below. 

#1 – Is USAA car insurance for the military only?

Yes. If you want to purchase car insurance from USAA, you, your spouse, your parent, or your parent’s spouse must be in the military. However, USAA is not limited to car insurance. It has a myriad of options, including homeowners and life insurance.

#2 – Does Travelers Insurance have a military discount?

No. Travelers Insurance does not offer a military discount. 

#3 – Is USAA auto insurance really cheaper?

USAA, time and time again, has the most affordable rates compared to any auto insurance company. However, it’s not available to everyone and is kind of in a league of its own, so companies, such as J.D. Power, have to rank it on a different level.