USAA vs. Travelers Insurance

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USAA vs. Travelers: What You Need to Know

USAA is an organization founded by military members for military members and their families. USAA was founded in the 1920s, during a time of social and political change. In San Antonio, Texas, 25 army officers met to insure each other’s vehicles and named William Garrison as the first president. This tiny group of men would later turn into one of the largest insurance companies, serving millions of members and becoming a fully integrated financial services organization. In 1923, the group expanded membership to include Navy and Marine Corp officers. In the 1930, membership grew despite the financial crisis, called the Great Depression, and several natural disasters that only exasperated an already desperate situation. By 1931 membership doubled from 15,000 to 30,000. The first annual report to members was published in 1932, and it highlighted financial success and commitment to the organization’s members. During World War II, USAA automatically renewed auto insurance policies, making things a little easier for those who were deployed abroad. In 1946, the organization became an industry leader in technology with its new automated office machines. In 1948, membership was opened to Air Force officers after the National Security Act of 1947 created the department. In 1952, USAA opened an office in Frankfurt, Germany, the first office outside of Texas. In 1961, USAA changed its bylaws so that officers no longer lose their membership after resigning from service. In 1962, they opened an office in London, England. In 1969, USAA formed their first disaster response team which is stationed in the Gulf Coast tending to members impacted by Hurricane Camille.In 1973 USAA opened offices in Tampa, Colorado Springs and San Diego and established their headquarters in San Antonio. In 1978, they began offering toll-free phone service to members. In 1983, the USAA Federal Savings Bank opened its doors and in the same year USAA Volunteer Corps was created to help with employee volunteerism in their communities. In 1990, the USAA Educational Foundation was set up to help consumers get free information on financial management, safety concerns and more. In 1991, USAA began offering roadside assistance and travel benefits. In 1991, they made electronic funds transfers available to members and in 1996 they formed the USAA Ethics Office as a commitment to ethical business conduct. In 1996, they began accepting enlisted as members. By 1999, members could conduct business online. In 2001 USAA provided special deployment assistance for the fight on terrorism. In 2006, they began offering ATM reimbursement and allowing members to deposit checks from home. In 2008, USAA expands eligibility requirements to include military retirees as well as the spouses and children of members. In 2009, all men and women who serve in the U.S. military and their families became eligible for membership. That same year, USAA became a sponsor of the Army-Navy Football Game and launched their mobile app. In 2010, USAA opened financial centers throughout the country while partnering with hundreds of UPS stores to service members. In 2011, USAA became the official Military Appreciation Sponsor of the National Football League. In 2016, they were the first bank to offer mobile app check deposit for visually impaired members. By 2017, USAA had 12 million members and a net worth of $31 billion.

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.

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

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

Below is a list of the average rates that drivers typically pay with USAA and Travelers. On average, USAA charges approximately $115.21 per month while Travelers comes in at around $153.96 per month. For USAA, the cheapest state average is Missouri at $74.18 per month and the most expensive is New York at $144.17 per month. For Travelers, the cheapest state average is Illinois at $94.50 per month and the most expensive is Washington at $177.76 per month.


Average Rate


Average Rate


Average Rate

State USAA Travelers
California $136.47 -
Georgia $111.23 -
Illinois $111.74 $94.50
Michigan $96.76 $154.18
Missouri $74.18 -
New York $144.17 $175.40
Ohio $76.93 -
South Carolina $83.71 -
Texas $127.56 -
Washington $81.65 $177.76

USAA vs. Travelers: Rates by Number of Vehicle


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

Number of Vehicles USAA Travelers
1 Vehicle $109.68 $146.04
2 Vehicles $175.16 $277.24

USAA vs. Travelers: Rates by Homeownership


Drivers who own their home rather than rent can sometimes get a small discount. We found that on average USAA charges $119.87 per month and Travelers charges $189.96 per month for customers who own their home.

Own/Rent USAA Travelers
Own $119.87 $189.96
Rent $114.21 $145.74

What is USAA and Travelers Insurance Rating?

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

Comparison USAA Travelers
Year Founded 1922 1864
Market Share 1.8%
A.M. Best A++
BBB Rating B- A+
Financial Strength Excellent Excellent
JD Power Ranking Among the best About Average
Moody’s Rating Aa2
NAIC Complaint Index 1.01
S&P Rating AA+ AA

USAA or Travelers: Insurance Products Offered

What coverage is available through USAA and Travelers? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Renters, RV, and Umbrella Insurance. Additional products from USAA insurance also includes Farm, 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 USAA and Travelers Insurance page.

Insurance USAA Travelers
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

USAA or Travelers: Ways To Save

USAA offers a wide range of discounts to its policyholders, including Automatic Payments, Defensive Driving Course, and Discount for Driving Research (telematics) discounts. Travelers also offers a few discounts that USAA doesn’t including Student Away at School, Safe Driver, and New Car discounts. Start taking advantage of discounts offered by insurance providers like Travelers and USAA insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Annual MileageAffinity Program Discounts
Automatic Payments DiscountContinuous Insurance Discount
Defensive Driving Course DiscountDriver Training Discount
Discount for Driving Research (telematics)Early Quote Discount
Driver Training Course DiscountEFT, Paid in Full and Good Payer Discount
Family DiscountGood Student Discount
Good Student DiscountHome Ownership Discount
Military InstallationHybrid/Electric Vehicle Discount
Multi-policy DiscountIntelliDrive Program Safe Driving Discount
New Vehicle DiscountMulti-policy Discount
Premier Driver DiscountMultiCar Discount
New Car Discount
Safe Driver Discount
Student Away at School Discount

Pros & Cons of USAA & Travelers


  • USAA offers financial literacy classes to its members as well as retirement planning.
  • The USAA app is easy to use and very helpful for managing your account.
  • 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 ride sharing insurance.
  • Discounts on hybrids and electric vehicles.


  • USAA mainly offers coverage to military members and their families.
  • Prices tend to be high.

USAA or Travelers Mobile Apps Options

The USAA Mobile app is available for iOS and android. It gives users convenient and secure access to their accounts to manage finances, investments, insurance and more. 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.

USAA Mobile App
iOS     4.8432K user reviews
Android     4.6125K user reviews
Travelers Mobile App
iOS     2.715K user reviews
Android     3.316K user reviews

USAA & Travelers Contact Info

USAA Contact Info
Address 9800 Fredericksburg Rd., San Antonio, TX 78288
Phone 1-800-531-8722
Travelers Contact Info
Address 485 Lexington Ave New York, NY 10017
Phone 1-800-328-2189

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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