Nationwide vs. Travelers: Best Auto Insurance for 2024
Nationwide Travelers are great companies. Travelers has better ratings, but Nationwide auto is cheaper. However, comparing Nationwide vs. Travelers auto rates requires looking at various factors. To secure affordable Nationwide vs. Travelers quotes, you'll need have a clean driver record a good credit score.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Nov 12, 2024
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You’ve narrowed down your auto insurance shopping to Nationwide vs. Travelers, but you’re not sure about the cost. Don’t worry — we’re here to help.
Read through this guide to learn more about Nationwide vs. Travelers auto insurance rates, what factors determine their cost, and how you can save.
Before we dive into Nationwide vs. Travelers auto insurance, use our free comparison tool to locate the best companies in your area.
- On average, Nationwide insurance is cheaper than Travelers insurance.
- Travelers has 28 discounts, while Nationwide has 35 discounts.
- Nationwide vs. Travelers auto insurance rates will depend on several personal factors like age and gender.
Nationwide vs. Travelers Auto Insurance: Which company is cheapest?
Nationwide auto insurance rates are $288 per month on average, and Travelers auto insurance rates are $370 per month.
However, car insurance rates vary at both companies based on where you live and what vehicle you drive.
If you want an in-depth look into Nationwide and Travelers, read our Nationwide auto insurance review and Travelers insurance review for more details.
Nationwide vs. Travelers Auto Insurance: Which company is cheapest by state?
Your address can determine the cost of car insurance. In the chart below, we’ve organized the average price of monthly auto insurance by state with these two companies.
Nationwide vs. Travelers Auto Insurance Rates by State
| State | Nationwide Average Monthly Rates | Travelers Average Monthly Rates |
|---|---|---|
| Alaska | Data Not Available | Data Not Available |
| Alabama | $222 | $308 |
| Arkansas | $322 | $498 |
| Arizona | $291 | $257 |
| California | $388 | $279 |
| Colorado | $312 | Data Not Available |
| Connecticut | $306 | $500 |
| District of Columbia | $404 | Data Not Available |
| Delaware | $361 | $349 |
| Florida | $362 | Data Not Available |
| Georgia | $540 | Data Not Available |
| Hawaii | $213 | Data Not Available |
| Iowa | $228 | $452 |
| Idaho | $253 | $269 |
| Illinois | $226 | $208 |
| Indiana | Data Not Available | $283 |
| Kansas | $206 | $362 |
| Kentucky | $459 | $546 |
| Louisiana | Data Not Available | Data Not Available |
| Maine | Data Not Available | $188 |
| Maryland | $243 | Data Not Available |
| Massachusetts | Data Not Available | $295 |
| Michigan | $527 | $731 |
| Minnesota | $244 | Data Not Available |
| Missouri | $189 | Data Not Available |
| Mississippi | $230 | $311 |
| Montana | $290 | Data Not Available |
| North Carolina | $237 | $261 |
| North Dakota | $213 | Data Not Available |
| Nebraska | $217 | Data Not Available |
| New Hampshire | $208 | Data Not Available |
| New Jersey | Data Not Available | $355 |
| New Mexico | $293 | Data Not Available |
| Nevada | $290 | $447 |
| New York | $334 | $382 |
| Ohio | $275 | $261 |
| Oklahoma | Data Not Available | Data Not Available |
| Oregon | $265 | $241 |
| Pennsylvania | $233 | $654 |
| Rhode Island | $367 | $576 |
| South Carolina | $302 | Data Not Available |
| South Dakota | $228 | Data Not Available |
| Tennessee | $285 | $228 |
| Texas | $322 | Data Not Available |
| Utah | $249 | Data Not Available |
| Virginia | $173 | Data Not Available |
| Vermont | $177 | Data Not Available |
| Washington | $177 | Data Not Available |
| West Virginia | Data Not Available | Data Not Available |
| Wisconsin | $435 | Data Not Available |
| Wyoming | $266 | Data Not Available |
| *National Average | $288 | $370 |
See how much car insurance rates vary by state? States like Louisiana and Michigan have expensive rates, while states like Kansas and Washington are much cheaper.
The best way to secure affordable auto insurance rates is to compare Nationwide vs. Travelers auto insurance rates with quotes you receive from other companies in your home town.
Nationwide vs. Travelers Auto Insurance: Which company is cheapest by vehicle make and model year?
Another factor that determines auto insurance cost is your vehicle. Most companies calculate your car insurance premium by your vehicle’s make and model.
Let’s see how Nationwide and Travelers set rates for auto insurance coverage by vehicle.
Nationwide vs. Travelers Auto Insurance Rates by Vehicle Make and Model Year
| Vehicle Make and Model Year | Nationwide Average Monthly Rates | Travelers Average Monthly Rates |
|---|---|---|
| 2018 Toyota RAV4: XLE | $277 | $392 |
| 2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT | $280 | $388 |
| 2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $281 | $368 |
| 2015 Toyota RAV4: XLE | $293 | $365 |
| 2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT | $296 | $368 |
| 2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $298 | $335 |
The newer vehicles generate cheaper rates. But why is that? New cars have safety features and anti-theft systems, making them less likely to be involved in expensive claims.
Overall, Nationwide car insurance rates are cheaper than Travelers rates.
Car insurance providers give special discounts to customers with vehicles that have specific features that make driving safer.
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Nationwide vs. Travelers Auto Insurance Discounts
If you’re considering full coverage, roadside assistance, and other auto insurance coverages, it’s essential to look into what discounts can be applied to your policy.
But which company has more discounts? Let’s compare deals at Nationwide and Travelers to see which company has more bargains.
Comparing Nationwide vs. Travelers Discounts
| Discounts | Nationwide Availability | Travelers Availability |
|---|---|---|
| Adaptive Cruise Control | x | |
| Adaptive Headlights | x | |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | |
| Utility Vehicle | ||
| Vehicle Recovery | x | x |
| VIN Etching | x | x |
| Lane Departure Warning | x | |
| Newer Vehicle | x | x |
| Green Vehicle | x | |
| Forward Collision Warning | x | |
| Claim Free | x | x |
| Continuous Coverage | x | |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | |
| Driving Device/App | x | x |
| Early Signing | x | x |
| Emergency Deployment | ||
| Engaged Couple | ||
| Family Legacy | ||
| Family Plan | x | |
| Farm Vehicle | ||
| Fast 5 | ||
| Federal Employee | ||
| Full Payment | x | |
| Further Education | x | x |
| Garaging/Storing | x | |
| Good Credit | x | |
| Good Student | x | x |
| Homeowner | x | x |
| Life Insurance | x | |
| Low Mileage | x | x |
| Loyalty | x | |
| Married | x | |
| Membership/Group | x | x |
| Military | ||
| Military Garaging | ||
| Multiple Drivers | ||
| Multiple Policies | x | x |
| Multiple Vehicles | x | x |
| New Address | ||
| New Customer/New Plan | ||
| New Graduate | ||
| Newly Licensed | ||
| Newlyweds | ||
| Non-Smoker/Non-Drinker | ||
| Occasional Operator | ||
| Occupation | x | x |
| On Time Payments | x | |
| Online Shopper | ||
| Paperless Documents | x | |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Recent Retirees | ||
| Renter | ||
| Roadside Assistance | ||
| Safe Driver | x | x |
| Seat Belt Use | ||
| Senior Driver | ||
| Stable Residence | x | |
| Students & Alumni | x | |
| Switching Provider | ||
| Volunteer | ||
| Young Driver |
Nationwide has seven more discounts than Travelers Insurance. However, most customers don’t qualify for all discounts.
To secure the best deals, customers must have a clean driving record and a good credit score.
According to Experian, auto insurance companies give special discounts to policyholders who maintain good credit because they’re less likely to file a claim.
Read more: Volunteer Discount: How Much Can You Save?
Nationwide vs. Travelers Auto Insurance: How does homeownership affect auto insurance?
Did you know that bundling other insurance products to your auto insurance policy can save you about 12% on your bill?
https://youtu.be/WYMPSuwELrY
If you own a home or rent a property, you can bundle homeowners or renters insurance with your auto insurance, especially considering the benefits of bundling car insurance and renters insurance to save money.
Nationwide vs. Travelers Financial Strength Ratings
Before you make a choice on Nationwide vs. Travelers auto insurance, you should explore what the rating agencies say about each company.
We’ve collected data from the top rating agencies in the United States. Let’s explore Nationwide and Travelers’ overall ratings.
Comparing Nationwide vs. Travelers Ratings
| Agencies | Nationwide Ratings | Travelers Ratings |
|---|---|---|
| AM Best | A+ | A++ |
| Moody's | A1 | Aa2 |
| S&P | A+ | AA |
| NAIC Complaint Index | 1.45 | 0.32 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 88 | 90 |
| Apple App Store (iOS) | 2 stars | 2 stars |
| Google Play Store (Android) | 3 stars | 4 stars |
Nationwide is best if you look at the monthly premiums, but Travelers is best in terms of ratings. Travelers Insurance has better consumer complaint data. The volume of complaints Nationwide receives is well over the national average.
However, under the U.S. Auto Insurance Shopping Study and the Auto Insurance Claims Satisfaction Study, Nationwide performed better.
A.M. Best rates Travelers over Nationwide, meaning the company has a strong financial future.
Nationwide vs. Travelers: What’s the bottom line?
The pros and cons of Nationwide vs. Travelers car insurance come down to cost and coverage.
Nationwide has more opportunities for you to save money, but Travelers is better at customer service and better at managing money according to A.M. Best. The best company for you would be the one that meets your needs.
Now that you know a little more about Nationwide vs. Travelers auto insurance, try entering your ZIP code in the free online quote tool below to compare multiple companies near you.