Two of the nation’s most popular car insurance providers include American Automobile Association (AAA – commonly referred to as Triple A) and Travelers Insurance. Comparing these two popular options could help you find the best provider for your needs.

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AAA first opened its doors in 1910 and has been serving customers nationwide ever since. AAA was not in the top 25 largest insurance companies by market share in 2021, according to the National Association of Insurance Commissioners (NAIC). Travelers, established in 1865, has been writing insurance policies for even longer than AAA. Specializing in property-casualty insurance, this provider currently holds 3.88% of the industry market share, with more than $30.8 billion worth of direct premiums written in 2021.

AAA vs. Travelers: Car insurance rates comparison

The table below breaks down how each company performs in terms of premium pricing, financial strength, and average customer satisfaction rating. On average, Travelers offers cheaper average premiums than AAA for full and minimum coverage, according to data provided by Quadrant Information Services. Travelers also has a higher AM Best rating. Travelers scored below industry average in J.D. Power’s 2021 Auto Claims Satisfaction Study, while AAA was unrated. It’s also worth noting that you have to be a member of AAA to get the company’s insurance, which comes with its own additional costs, so this information may need to be weighed into your decision.

Car insurance company Bankrate Score AM Best financial stability rating J.D. Power 2021 auto claims satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
AAA 3.8 A (Excellent) Unrated $641 $2,383
Travelers 4.7 A++ (Superior) 871/1,000 $477 $1,447

Rates by credit score

The following rates are national averages that do not take into account personal factors that could raise your rates, such as your credit score. While most state insurance regulators do not permit carriers to use a credit score as their sole reason for raising your premium, it still can be a determining factor when setting your rates*. The table below illustrates how your credit score could impact the cost of coverage:

Car insurance company Poor Average Good Excellent
AAA $5,191 $2,638 $2,389 $2,013
Travelers $2,251 $1,564 $1,447 $1,283

*In states where using credit as a rating factor is legal, companies may weigh credit score differently during the underwriting process.. In California, Hawaii, Massachusetts and Michigan, credit score cannot be used as a rating factor. Washington’s ban on using credit as a rating factor was scheduled to go into effect in March 2022. However, the measure is currently on hold while courts consider a lawsuit aimed at blocking the credit ban.

Rates by age

Along with your credit score, insurance carriers may also determine your rates based on your age group. Certain age groups are at higher driving risk than others — especially teenagers and senior citizens. According to the Centers for Disease Control & Prevention (CDC), teens aged 16 to 19 are at the highest risk for being involved in a motor vehicle crash compared to every other age group. For this reason, teenage drivers will usually pay much higher rates due to their inexperience and increased risk. The following table outlines how 2021 rates from AAA and Travelers compare across age groups:

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
AAA $3,210 $5,446 $2,317 $2,034 $2,003 $1,808
Travelers $2,519 $4,829 $1,801 $1,636 $1,325 $1,446

Rates by driving record

Your driving record typically affects your insurance premium. Each traffic violation is penalized differently by different providers, with more serious infractions typically resulting in more severe penalties. The table below illustrates how AAA and Travelers increase rates according to the type of driving record a policyholder has.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
AAA $2,389 $2,912 $3,453 $5,146
Travelers $1,447 $1,869 $1,975 $2,783

AAA vs. Travelers: Discounts

Policyholders at AAA and Travelers may capitalize on savings by taking advantage of the companies’ available discounts. Each carrier offers unique savings opportunities to its policyholders, some of which may be specific to geographic location and program availability. Each company’s standout discounts are outlined below.


  • Multi-vehicle discount: By covering two or more vehicles under AAA auto insurance, you might save on select coverage.
  • Multi-policy discount: The more policies you sign up for, the more savings you may get. Signing up for auto, home, life and watercraft insurance could save you money on your car insurance premium.
  • Good student discount: Students who maintain a “B” average or higher may save on select auto insurance coverage through AAA.


  • Multi-policy discount: When drivers also sign up for home or condo insurance through Travelers, they might save up to 13% on their auto insurance policy.
  • Continuous insurance discount: If you don’t have any gaps in your coverage history, you may be eligible for a discount.
  • New car discount: Travelers rewards drivers of newer, safer vehicles by providing them with potential savings on their premium.

AAA vs. Travelers: Online and mobile experience comparison

In today’s digital age, the user experience online and via the mobile application are often important to policyholders. When comparing these two providers, AAA has a slight edge when it comes to user interface and experience, offering far more features than Travelers does in their mobile app. The following highlights how users rated each company’s application across the Apple Store and Google Play Store.


  • Apple Store: The AAA app offers many features, including finding AAA-approved and Diamond-rated hotels, restaurants and attractions. The app also offers the ability to create and share itineraries between desktop and mobile devices. Users can also request roadside assistance, get battery replacement quotes and add a scannable AAA membership card all through the mobile app. Apple users gave the app a 4.2-star rating — the average gained from more than 22,000 reviews.
  • Google Play: AAA’s Google Play app maintains all of the same features that the iOS version offers. More than 39,000 users on this platform also gave this application an average 4.3-star rating.


  • Apple Store: Travelers’ mobile app is much less robust, but it still offers all the things a policyholder may find useful. Through the app, users can access agent contact information, download insurance ID cards, pay their bill, track roadside assistance, manage or update policies and file and check claims. The app’s rating is an average of 4.7, and it has been reviewed by more than 29,000 users.
  • Google Play: Each of the features offered through the iOS version are also present on the Android Travelers app. On this platform, however, only 918 users provided a review averaging out at just a 3.3-star rating.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts, and Michigan. Washington’s ban on factoring credit in premiums is currently on hold in the courts.

Age: Rates were calculated by evaluating our 2021 base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.