Geico vs. Travelers: Which Offers More Affordable Auto Insurance Quotes (2024)

In our Geico vs Travelers auto insurance guide, we examine rates by your particular characteristics: age, gender, marital status, driving record, and credit score. We also compare discounts and ratings from credible agencies that rate all the best auto insurance companies.

Keep reading to compare Geico insurance and Travelers insurance, or enter your ZIP code to find affordable auto insurance rates in your area.

Is Geico auto insurance or Travelers auto insurance cheaper based on age?

As we age, our driving experience naturally increases. Age serves as a significant factor for car insurance companies when calculating auto insurance rates. Specifically, this influences how Geico car insurance rates are set in Utah. Customers often compare rates with Geico, and there have been complaints regarding Geico DriveEasy.

It’s legal to base car insurance rates on marital status and gender in most states; however, some have outlawed it. Let’s compare Geico and Travelers auto insurance rates based on age, gender, and marital status.

Geico vs Travelers Average Annual Auto Insurance Rates by Age, Gender, and Marital Status

Geico offers competitive auto insurance rates for teenage drivers, whereas Travelers charges significantly higher premiums—up to an 85 percent increase—for households with young drivers. This discrepancy underscores the importance of comparing Travelers car insurance ratings and considering the Geico and Travelers login options for the best insurance choices.

For drivers aged 25 and older, Travelers offers car insurance quotes about 3 percent lower than Geico’s rates, resulting in similar overall costs.

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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 you become a high-risk driver.

Geico vs Travelers Average Annual Auto Insurance Rates by Driving Record

If you have a clean driving record, expect to pay about $1,300 more with Travelers than you would with Geico.

It’s crucial to assess how severe the penalties are with each insurer if you start with a clean driving record but later receive a traffic violation. This scrutiny should extend to examining aspects like the Travelers insurance BBB rating, the dynamics of the Travelers and Geico insurance agencies relationship, and customer reviews of Travelers car insurance

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 a DUI.

By choosing Travelers, you may pay more for having good credit, but they aren’t as harsh. Travelers increase their customers’ rates by 67 percent if the driver gets a DUI.

Readmore: Travelers IntelliDrive Review: Can you get affordable auto insurance?

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 medical debt or going through a divorce. (read our, “How does a divorce affect auto insurance?” for more information).

In most states, it is legal for auto insurance companies to base rates on your credit score; however, some are outlawing this along with basing rates on gender and marital status.

Based on the assumption that those with higher credit scores are more responsible and, overall, safer drivers are less likely to file a claim, auto insurance companies justify using your credit score to determine your rates.

Let’s take a look at how Geico and Travelers address rates for drivers with low credit scores.

Geico vs Travelers Average Annual Auto Insurance Rates by Credit History

No matter what your credit score is, your rates will be cheaper with Geico than with Travelers.

Once you are with Geico, and your credit score drops, expect your auto insurance rates to increase by 75 percent as compared to Travelers, which will increase your rates by only 27 percent. Read our Travelers auto insurance review to compare rates..

Before you judge these two companies’ rates based on credit score alone, read about your state auto insurance requirements and examine rates from a variety of companies.

Hopefully, if you have bad credit, you live in a state that has outlawed this practice.

Does Geico or Travelers have better auto insurance discounts?

Auto insurance company discounts vary widely, and they are usually based on a company’s values and philosophy. That’s why it pays to shop around, especially if you have a bad driving record or low credit score. Discounts can help offset high rates.

Geico vs Travelers Auto Insurance Discounts

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. The highest discounts range between 25 and 40 percent for being claim-free, having multiple vehicles on your policy, as well as having air bags, anti-theft equipment, and a vehicle recovery system.

Travelers offers a claim-free discount of 23 percent. Other great discounts ranging from 15 percent to 30 percent are 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 quotes, be sure to ask if there are any additional discounts.

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What types of auto insurance coverages are offered by Geico and Travelers?

Since both Geico and Travelers are two of the 10 companies that make up most of the market share, they have the means to offer a wider variety of auto insurance coverages that go beyond the standard six coverages which are 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 closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.

Does Geico or Travelers have better mobile apps?

Usage-based auto insurance has become an individualized trend in the last decade or so, and all the bigger auto insurance companies have a driving app that uses your mobile phone or a device installed in your auto.

Large auto insurance companies also provide a more general app to enable you to view your policy, make changes, and pay your bill. Usually, your Geico login or Travelers insurance login will work with both the general app and the driving app.

Read our Geico DriveEasy review and compare it to our Travelers’ IntelliDrive review to decide if usage-based auto insurance is right for you.

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 are choosing the right company that will be there for you when you need it.

Before making your decision, it’s essential to evaluate a company’s financial stability, how satisfied customers are with their claims handling, and any feedback or complaints they receive.

Also, don’t forget to consider aspects like finding a Travelers insurance agent nearby, reviewing Geico and Travelers insurance customer service, and obtaining a Travelers insurance quote.

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 of the Geico claims process and the Travelers claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 and 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

Let’s take a closer look at external ratings for Geico and Travelers.

Geico vs Travelers Company Ratings

Both Geico and Travelers receive high ratings for their customer satisfaction during the claims process. The customer service provided by both Geico and Travelers is robust and reliable. For a Geico.com quote, their customer service is known to be efficient and helpful throughout the insurance claims experience.

Geico maintains an A++ rating from AM Best despite having a higher ratio of customer complaints. When seeking Geico auto insurance quotes in Florida, it’s essential to consider their strong financial standing alongside customer feedback.

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Geico vs Travelers: The Bottom Line

We’ve put together a comparison of our Travelers vs Geico car insurance guides to help you decide which company is best for you. We looked at rates based on age, driving history, and credit score. Geico has cheaper car insurance rates for teens, but Travelers has more car insurance discounts.

Ready to buy auto insurance? When you’re unsure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.