Auto insurance · Updated August 2026
Allstate vs Travelers
Allstate is built for drivers who want a local agent and bundled home coverage. Travelers is built for independent-agent buyers who bundle home and auto. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Standard Fire Ins. Co. drew 0.38, against an industry median of 1.00. AM Best rates Allstate A+ and Travelers A++. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Armando Chavarria, licensed insurance agent · NPN 17042827
The short answer
Allstate has written auto since 1931 and writes through Allstate group companies. The tradeoffs: it drew 0.82 on the 2025 complaint index against Travelers's 0.38, AM Best rates it A+ against Travelers's A++, and it writes five lines against Travelers's six.
Travelers has written auto since 1853 and writes through Travelers group companies. Standard Fire Ins. Co. drew 0.38 on the NAIC's 2025 complaint index, 64 complaints on $3.6 billion of private-passenger premium. AM Best rates it A++, the highest grade it issues. It writes six lines: auto, home, renters, boat, umbrella, and commercial. The tradeoff: its app carries 124,651 ratings against Allstate's 1,257,155.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
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Side by side
Allstate vs Travelers: the data sheet
Sources are listed under the measured figures. How we compare
Allstate | Travelers | |
|---|---|---|
| Built for | Drivers who want a local agent and bundled home coverage | Independent-agent buyers who bundle home and auto |
| Who underwrites it | Allstate group companies | Travelers group companies |
| Complaints per policyTravelers, ahead of Allstate | 0.82 454 complaints on $11.7B written | 0.38 64 complaints on $3.6B written |
NAIC complaint index, 2025, private passenger auto · Allstate Fire & Casualty Ins. Co. vs Standard Fire Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; Travelers a step higher | A+ Superior | A++ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTravelers, if you want to bundle | 5 lines auto, home, renters, motorcycle, life | 6 lines auto, home, renters, boat, umbrella, commercial |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.79 1,257,155 ratings | 4.69 124,651 ratings |
Apple App Store, August 2026 | ||
| Telematics program | Drivewise | IntelliDrive |
| Availability | All 50 states | Available in all 50 states |
| Known for | Drivewise rewards, Milewise pay-per-mile in some states | IntelliDrive discounts, hybrid and electric vehicle discounts |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Standard Fire Ins. Co. drew 0.38, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates Allstate A+ and Travelers A++. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Allstate policies are written by Allstate group companies. Travelers policies are written by Travelers group companies. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Allstate writes five lines and Travelers writes six lines. Allstate writes auto, home, renters, motorcycle, and life. Travelers writes auto, home, renters, boat, umbrella, and commercial. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Allstate or Travelers?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Availability decides some matchups. Allstate writes in all 50 states. Travelers writes in all 50 states. Where only one of them writes in your state, the comparison answers itself.
Telematics moves the number. Both run a program: Drivewise at Allstate, IntelliDrive at Travelers. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.
One application. Real prices from the carriers writing in your state.