Travelers vs. Esurance Insurance

Which insurance company is right for you? Compare pros & cons, savings, and quotes from Travelers and Esurance.

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Travelers vs. Esurance: What You Need to Know

For more than 160 years Travelers Insurance has been protecting homes, cars, valuables, and businesses. Today they have the reputation of being one of the best property and casualty companies in the industry and are the only one in the Dow Jones Industrial Average. The company has 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, Ireland, and Brazil. In 1864, a stonecutter, James G. Batterson, and several other townsman in Hartford Connecticut began organizing a company to introduce accident insurance to the U.S. James E. Bolter, a local banker, asked Batterson how much he’d charge to insure his four-block home. Batterson said it would cost “two cents.” Today, the two-cent “premium” is Traveler’s treasured souvenir. The following year, Travelers began selling life insurance and in 1897 they issued their first automobile insurance policy. In 1889, they offered liability insurance to employers (workers compensation). By 1901 Travelers Insurance offered health and liability insurance. In 1903, they opened an insurance school and the following year organized a corps of safety engineers. In 1919, Travelers offered aircraft liability insurance with a full aviation program. During World War II, Travelers underwrote the Manhattan Project, the building of the first atomic bomb. In 1956, they established a weather research center and two years later offered life insurance to women at lower rates than men.

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esurance offers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace founded Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Travelers Overview and Esurance Overview.

Travelers vs. Esurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Travelers and Esurance. On average, Travelers charges approximately $182.78 per month while Esurance comes in at around $250.10 per month. For Travelers, the cheapest state average is Maine at $89.53 per month and the most expensive is Michigan at $266.08 per month. For Esurance, the cheapest state average is Utah at $125.87 per month and the most expensive is New York at $501.74 per month.

Travelers

Average Rate

$182.78
Esurance

Average Rate

$250.10
National

Average Rate

$120.03
State Travelers Esurance
Alabama $115.28 -
Arizona $144.29 $159.82
California- $143.43
Colorado- $172.16
Connecticut $176.46 -
Delaware $154.95 -
Idaho $119.55 -
Illinois $115.57 $138.94
Indiana $154.33 -
Iowa $139.16 -
Kansas $155.49 -
Kentucky $187.36 -
Maine $89.53 -
Maryland- $353.27
Michigan $266.08 $272.30
Mississippi $200.31 -
Nevada $211.83 -
New Jersey- $239.29
New York $238.71 $501.74
North Carolina $101.77 -
Oregon $132.94 -
Pennsylvania $211.52 $204.50
Rhode Island $222.83 -
South Carolina $115.76 -
Tennessee $135.17 -
Texas- $194.72
Utah- $125.87
Washington $142.52 -

Travelers vs. Esurance: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Travelers and Esurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Travelers Esurance
1 Vehicle $173.62 $242.99
2 Vehicles $218.05 $278.16
3 Vehicles $303.79 $446.48
4 Vehicles $401.41 $526.36

Travelers vs. Esurance: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Travelers charges $164.05 per month and Esurance charges $216.90 per month for customers who own their home.

Own/Rent Travelers Esurance
Own $164.05 $216.90
Rent $191.00 $262.91

What is Travelers and Esurance Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Travelers and Esurance ranked among the industry ratings.

ComparisonTravelersEsurance
Year Founded18641999
Market Share1.8
A.M. Best RatingA+
BBB RatingA+A-
Financial StrengthExcellentAbove Average
JD Power RankingAbout Average
Moody’s RatingAa2
NAIC Complaint Ratio1.14
S&P RatingAAAA-

Travelers or Esurance: Insurance Products Offered

What coverage is available through Travelers and Esurance? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Renters, RV, and Umbrella insurance. Additional products from Esurance insurance also includes Life, Motorcycle, and Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Travelers and Esurance Insurance page.

InsuranceTravelersEsurance
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Travelers or Esurance: Ways To Save

Travelers offer a wide range of discounts to its policyholders, including Continuous Insurance, Driver Training, and Early Quote discounts. However, Esurance also offers a few discounts that Travelers doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Esurance and Travelers insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

TravelersEsurance
Affinity Program DiscountsAnti-lock Brakes Discount
Continuous Insurance DiscountAnti-theft Discount
Driver Training DiscountClaim-free Discount
Early Quote DiscountDefensive Driver Discount
EFT, Paid in Full and Good Payer DiscountEmergency Road Assistance Discount
Good Student DiscountFast 5 Discount®
Home Ownership DiscountGood Driver Discount
Hybrid/Electric Vehicle DiscountGood Student Discount
IntelliDrive Program Safe Driving DiscountHomeowners Discount
Multi-policy DiscountMulti-car Discount
MultiCar DiscountMulti-policy Discount
New Car DiscountOnline Shopper® Discount
Safe Driver DiscountPaid-in-full Discount
Student Away at School DiscountRenters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Travelers & Esurance

Pros

Travelers
  • Unlike other carriers who only offer it for the first two or three years, Travelers’ new car replacement covers the first five years.
  • Travelers offers accident forgiveness.
  • Offers ridesharing insurance.
  • Discounts on hybrids and electric vehicles.
Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.

Cons

Travelers
  • Prices tend to be high.
Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico

Travelers or Esurance Mobile Apps Options

The Travelers Mobile app is available for iOS and Android. This award-winning mobile app can help manage insurance and banking accounts, request roadside service, file and track claims and pay bills.

The Esurance mobile app is available for iOS and Android.

Travelers Mobile App
iOS     2.715K user reviews
Android     3.316K user reviews
Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews

Travelers & Esurance Contact Info

Travelers Contact Info
Address485 Lexington Ave New York, NY 10017
Phone1-800-328-2189
Websitehttps://www.travelers.com
Facebookhttps://www.facebook.com/travelers
Twitterhttps://twitter.com/travelersinsurance
Youtubehttps://www.youtube.com/user/travelersinsurance
Linkedinhttps://www.linkedin.com/company/travelers
Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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