Nationwide vs. Travelers: Pros & Cons (2021)

Our Nationwide vs. Travelers auto insurance guide will help you choose between two companies that both have very happy customers. We compare auto insurance rates for both companies based on age, driving record, and credit score to find that Nationwide car insurance is a better choice for drivers with bad credit or who have a teen driver on their policy. However, Travelers has higher customer satisfaction ratings.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • Both Nationwide and Travelers have high customer satisfaction and low complaint ratios
  • Nationwide auto insurance is the better choice if you have a young driver
  • Travelers has fewer customer complaints and a lower complaint ratio than Nationwide
  • If you have a bad driving record, you can save nearly $1,000 per year by choosing Nationwide rather than Travelers
  • Nationwide offers more and heftier discounts compared to Travelers

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

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

Is Nationwide or Travelers auto insurance cheaper based on age?

The older we get, the more driving experience we have. Due to this, age is one of the most influential factors in determining your auto insurance rates.

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

Nationwide vs. Travelers Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusNationwide Average Annual RatesTravelers Average Annual Rates
Single 17-year-old female$5,756$9,307
Single 17-year-old male$7,175$12,851
Single 25-year-old female$2,686$2,325
Single 25-year-old male$2,889$2,491
Married 35-year-old female$2,360$2,179
Married 35-year-old male$2,387$2,200
Married 60-year-old female$2,130$2,052
Married 60-year-old male$2,215$2,074
Get Your Rates Quote Now
Compare RatesStart Now →

For anyone 25 and older, Travelers car insurance rates are an average of 9 percent cheaper than Nationwide car insurance rates.

Nationwide car insurance is the better choice if you have a young driver. Travelers teen car insurance rates are 70 percent higher than Nationwide.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Is Nationwide 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 higher-risk driver.

Nationwide vs. Travelers Average Annual Auto Insurance Rates by Driving Record
InfractionNationwide Average Annual RatesTravelers Average Annual Rates
Clean record$2,746$3,448
With one speeding violation$3,114$4,261
With one accident$3,397$4,290
With one DUI$4,543$5,741
Get Your Rates Quote Now
Compare RatesStart Now →

Nationwide is the better option if you have a poor driving record. Travelers’ car insurance rates are around $1,000 more per year than Nationwide when it comes to having different infractions on your driving record.

As for current customers, Nationwide and Travelers increase rates about the same for getting a speeding ticket, causing an accident, or getting a DUI. Nationwide is a little more forgiving (13 percent increase) when it comes to speeding tickets.

Is Nationwide 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.

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 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 Nationwide and Travelers address rates for drivers with low credit scores.

Nationwide vs. Travelers Average Annual Auto Insurance Rates by Credit History
Credit ScoreNationwide Average Annual RatesTravelers Average Annual Rates
Good Credit (670-739)$2,926$4,059
Fair Credit Score (580-669)$3,255$4,344
Poor Credit Score (300-579)$4,083$5,160
Get Your Rates Quote Now
Compare RatesStart Now →

Nationwide is the better choice for any type of credit score.

However, once you are with Nationwide, your car insurance rates will increase by 40 percent if you experience financial hardship and your credit score drops.

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 Nationwide or Travelers have better auto insurance discounts?

Auto insurance company discounts vary widely and 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.

Nationwide vs. Travelers Auto Insurance Discounts
DiscountsNationwide Discounts Offered (Percentage)Travelers Discounts Offered (Percentage)
Anti-lock Brakes5N/A
Claim Free1023
Continuous CoverageN/A15
Daytime Running Lights5N/A
Defensive Driver510
Distant Student107
Driver's EdN/A8
Driving Device/App4030
Early Signing810
Family Plan25N/A
Full PaymentN/A8
Further Education15N/A
Good Student108
Green VehicleN/A10
Multiple Policies1013
Multiple Vehicles208
Newer VehicleN/A10
On Time PaymentsN/A15
Paperless Documents5N/A
Paperless/Auto Billing303
Passive Restraint20N/A
Safe Driver3523
Students & Alumni7N/A
Vehicle Recovery25N/A
Get Your Rates Quote Now
Compare RatesStart Now →

When reviewing discounts offered by both companies, Nationwide has 24 car insurance discounts, and Travelers has only 17 discounts.

Nationwide offers heftier discounts compared to Travelers.

Travelers’ best car insurance discounts range from 15 to 30 percent for having continuous coverage, making payments on time, being claim-free, or being a safe driver.

Nationwide’s best car insurance discounts range from 25 to 40 percent for having anti-theft and vehicle recovery systems in your car, having a family plan, being a safe driver, and using paperless billing and auto-pay.

You can also save 30 percent by participating in Travelers’ usage-based car insurance program and 40 percent by participating in Nationwide’s usage-based car insurance program.

The discounts offered by auto insurance companies often target specific types of drivers, so, when you get your Travelers and Nationwide quotes, be sure to ask if there are any additional discounts.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

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

Since both Nationwide and Travelers are two of the 10 companies that make up the 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 insurance for recreational vehicles such as ATVs or boats.

Be sure to check out Nationwide pet insurance and Nationwide retirement when reviewing coverage options as well.

Does Nationwide or Travelers have better auto insurance mobile apps?

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

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 Nationwide or Travelers insurance login will work with both the general app and the driving app.

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

How do Nationwide 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.

A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be examined before you make your decision.

The following three agencies provide insight into these factors:

A.M. Best scores companies based on their ability to meet 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 Nationwide claims process and the Travelers claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 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 Nationwide and Travelers.

Nationwide vs. Travelers Company Ratings
Consumer ReportsNationwideTravelers
AM Best RatingA+N/A
Consumer Reports8890
NAIC Company Complaint Ratio0.280.09
NAIC Total Complaints252
Get Your Rates Quote Now
Compare RatesStart Now →

Both Nationwide and Travelers are highly competitive based on ratings from consumer and government agencies. Nationwide earns an A+ for financial stability.

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.

Leave a Reply

Your email address will not be published. Required fields are marked *

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption