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 insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 1, 2021

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

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

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To Sum It Up

  • GEICO has lower rates than Travelers
  • GEICO and Travelers provide similar coverages
  • GEICO and Travelers have been rated the same by A.M. Best

GEICO and Travelers offer affordable auto insurance for military veterans. While GEICO has lower rates than Travelers, the companies provide similar coverages and several discount opportunities. Comparing GEICO vs. Travelers auto insurance will help you make the right choice.

Before starting this GEICO vs. Travelers comparison, enter your ZIP code to get free auto insurance quotes from the top companies in your area.

GEICO vs. Travelers: What are their monthly rates?

Comparing affordable GEICO vs. Travelers auto insurance rates will help you find the most cost-effective option. The following chart shows the average monthly Travelers and GEICO quote based on age.

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As you can see, the average GEICO auto insurance quote is lower than the corresponding Travelers quote, and rates decrease as drivers age.

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GEICO vs. Travelers: What coverages are available?

GEICO and Travelers offer numerous auto insurance coverages. Combining coverages will ensure that you have the right policy for your needs. Basic coverages provided  by GEICO and Travelers include:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Collision
  • Comprehensive

Additional optional coverages offered by GEICO include:

  • Accident forgiveness
  • Comprehensive claim forgiveness
  • Incident forgiveness
  • Mechanical breakdown insurance
  • No-fault coverage
  • Umbrella policy

Additional optional coverages offered by Travelers include:

  • Accident forgiveness
  • GAP insurance
  • New car replacement coverage
  • Rental reimbursement
  • Ridesharing coverage
  • Small claim forgiveness
  • Umbrella policy

GEICO and Travelers offer more optional coverages than most competitors.

GEICO vs. Travelers: What discounts are available?

Auto insurance companies offer deals to help customers obtain affordable auto insurance. Comparing GEICO vs. Travelers auto insurance company discounts will help you find the best discount car insurance.

Discounts offered by GEICO include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Anti-lock brake system
  • Airbags
  • Good driver
  • Military

Discounts offered by Travelers include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Good driver
  • Student away at school
  • Driver training
  • Green vehicles
  • Pay in full

While GEICO and Travelers offer various discounts, only GEICO provides a deal for military personnel.

GEICO vs. Travelers: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on financial strength. These ratings determine the likelihood that customers will receive a payout when they file Travelers or GEICO claims.

GEICO has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These ratings are among the best in the industry, indicating superior financial strength.

Travelers has been rated an A++ by A.M. Best, an Aa2 by Moody’s, and an AA by S&P. These are solid ratings indicating that Travelers is financially strong as well.

Moody’s and S&P have given GEICO a higher rating than Travelers, suggesting that GEICO is financially stronger than Travelers. However, the ratings show that both companies should be able to provide a payout whenever you file a claim.

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GEICO vs. Travelers: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list customer complaints on their websites. The organizations have received complaints about GEICO and Travelers.

At the time of this comparison, the BBB has received 2,769 complaints about GEICO over the past three years. GEICO has a complaint index ratio of 1.42 according to the NAIC, indicating more than the average number of complaints received by similarly-sized companies.

The BBB has received 442 complaints about Travelers Insurance over the past three years. According to the NAIC, Travelers has a complaint index ratio of 1.29, indicating more complaints than the average competitor of a similar size.

While GEICO has significantly more complaints with the BBB than Travelers, GEICO is a larger company. However, the complaint index ratio shows that Travelers also has fewer complaints when size is taken into consideration.

GEICO vs. Travelers: Do they offer roadside assistance?

Roadside assistance can be helpful when you have car trouble. GEICO and Travelers offer roadside assistance as an add-on to an existing policy.

GEICO customers can obtain roadside assistance for $14 per year. Those selecting this coverage can receive support that includes:

  • Car battery jump
  • Flat tire replacement
  • Locksmith service
  • Towing
  • Fuel delivery

Travelers auto insurance offers two different levels of roadside assistance. The basic roadside assistance plan includes:

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Locksmith service

The premium plan offered by Travelers features everything within the basic plan, plus trip interruption reimbursement. This coverage allows customers to receive up to $200 per day for a rental car.

When considering GEICO or Travelers auto insurance quotes, the addition of roadside assistance will increase your rates.

GEICO vs. Travelers: How can you make payments?

GEICO and Travelers offer multiple ways to pay for auto insurance. The two companies are similar in this respect, but there are some differences.

Payment methods provided by GEICO and Travelers include:

  • Automatic online payment
  • Debit card
  • Electronic check
  • Mail payment

The companies each offer an additional method that the other company lacks. GEICO customers can sign up for a multi-payment installment plan and Travelers customers can sign up for direct deposit.

If you prefer to speak with a representative and pay over the phone, both companies provide this option. GEICO customers can contact a representative by calling (800) 932-8872. You can call the Travelers Insurance phone number at (800) 252-2268.

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GEICO vs. Travelers: Do they have mobile apps?

Whether you’re looking to buy GEICO or Travelers auto insurance, convenience is a consideration. Both GEICO and Travelers offer mobile apps.

You can use your Travelers or GEICO login to access digital ID cards, manage policies, request roadside assistance, and make payments.

While you can use a digital ID card when asked to provide proof of insurance, you should also have a physical copy. This will ensure you have proof of insurance when stopped in an area that lacks an internet connection.

GEICO vs. Travelers: The Bottom Line

Choosing between GEICO and Travelers will depend on your personal preference. GEICO is the best option if your primary concern is low rates, but Travelers offers greater roadside assistance options. Comparing GEICO vs. Travelers auto insurance will help you find the right company.

Now that you’ve compared GEICO vs. Travelers, enter your ZIP code to see free quotes from the top auto insurance companies in your area.