Both Travelers and USAA are strong insurance providers with high financial ratings and a wide array of coverage options. Travelers may be a better choice for those seeking competitive car insurance rates and a broad range of insurance types, while USAA is particularly well-suited for military members, veterans, and their families, offering generally lower premiums and tailored services. Customer satisfaction is mixed for both, so it's important to weigh individual needs and preferences when making a decision.
| Attribute | Travelers | USAA |
|---|---|---|
| Financial Strength Rating | A.M. Best: A++ (Superior), Fitch: AA (Very Strong), Moody's: Aa2 (High Quality), Standard & Poor's: AA (Very Strong) | A.M. Best: A++ (Superior), Moody's Investors Service: Aa1 (Excellent), S&P Global Ratings: AA (Very Strong), lowered from AA+ in May 2025 |
| Customer Satisfaction Score | Mixed, J.D. Power: 684 (below average), The Zebra: 8.62/10, Insure.com: 81.4% rate highly | The Zebra: 4.6/5, Insure.com: 4.6 stars out of 5 (2025), Over 97% customer satisfaction, J.D. Power: 737/1,000 (2024 Home Insurance Study), 780/1000 (2024 Individual Annuity Study), Comparably: 31 (Overall Customer Satisfaction) |
| Claims Processing Speed | Initial response within a few business days, varies based on complexity and documentation | 7-10 business days (average), Varies based on complexity |
| Policy Coverage Options | Auto, Home, Renters, Business, Condo, Boat & Yacht, Landlord, Umbrella, Jewelry, Wedding & Events, Pet, Motorcycle, Flood | Auto, Home, Life, Motorcycle, RV, Boat, Classic Car, Umbrella, Pet, Travel, Special Events, Bicycle, Mobile Phone Protection |
| Premium Cost | Competitive for car insurance (lower than national average), higher for homeowners insurance | Full Coverage Car Insurance: $1,670/year (average), $117/month ($1,407/year) (average), Minimum Coverage: $35/month ($417/year) (average), Liability-Only Coverage: $50/month (average) |
| Discounts Offered | Multi-car, Home and auto bundle, Safe driver, Good student, Affinity, Loyalty, Military, Hybrid vehicle, Pay-in-full, Early quote, Multi-policy, Homebuyer, Protective device | Military-specific, SafePilot (up to 30%), Multi-vehicle, New vehicle, Defensive driving course, Good student, Bundling (auto and property) |
| Digital Accessibility (app/website) | Mobile app for managing policies, payments, and claims; Chat available Monday-Friday | Website, mobile app, Ranked 3rd for online satisfaction among large insurers |
| Availability of Local Agents | Yes | Offices and financial centers in multiple states |
| Types of Insurance Offered (Home, Auto, Life, etc.) | Home, Auto, Renters, Business, Condo, Boat & Yacht, Landlord, Umbrella, Jewelry, Wedding & Events, Pet, Motorcycle, Flood, Travel | Home, Auto, Life, Motorcycle, RV, Boat, Classic Car, Umbrella, Pet, Travel, Special Events, Bicycle, Mobile Phone Protection |
| Coverage Area (e.g., all 50 states) | Most states | All 50 states and Washington, D.C. |
| Rider Options and Customization | Gap insurance, New car replacement, Rental reimbursement, Roadside assistance, Identity fraud protection, Water backup endorsement, Rideshare coverage | Accident forgiveness, Rideshare insurance, Car replacement assistance, Umbrella insurance |
| Complaint Ratio (NAIC Index) | Overall: 0.17 (below average), Personal passenger vehicles: 3.95 (higher than expected) | Fewer complaints than expected for a company of its size |
| Eligibility | Not available | U.S. military members, veterans, and their immediate families |