National General and Travelers are two large auto insurance companies in the U.S. you may want to consider in your search for car insurance.
National General is an Allstate subsidiary with a full lineup of services and auto insurance products. Travelers is similar to National General in that it also offers a variety of insurance options, but it also has more add-ons and discounts. National General has lower insurance rates across most categories.
Before you decide which insurer to choose, do your own research or work with insurance experts to compare quotes, coverage plans, discounts, and customer service reviews from National General, Travelers, and other insurance companies.
Here’s how National General and Travelers compare.
National General vs. Travelers: The verdict
National General and Travelers sell auto insurance to drivers in all 50 states, but Travelers is the better overall auto insurance company.
While National General generally offers cheaper premiums for most driver profiles, including teens and senior drivers, Travelers has a wider selection of add-ons and optional insurance products, such as gap insurance and rideshare coverage.
Travelers also offers more discount opportunities that can help you save money and still land cheap car insurance and affordable car insurance rates. Both companies give drivers the chance to participate in usage-based telematics programs, though Travelers policyholders can earn a more significant discount of up to 30%.
You should always compare factors like market position, overall value, available rate data, car insurance coverage levels, industry ratings from professional organizations like J.D. Power, customer experience reviews, and more before deciding on the right insurer — whether you’re buying your first-ever auto insurance policy or renewing existing coverage.
Here’s a quick snapshot of both companies and how they compare.
National General
Founded in 1920, National General is an Allstate company that has an A- (Excellent) financial strength rating from AM Best.
Travelers
Travelers has been selling insurance since 1864 and has an AM Best financial strength rating of A++ (Superior).
National General DynamicDrive vs. Travelers IntelliDrive
National General’s DynamicDrive is a telematics program that tracks various driving habits, like speeding, abrupt braking, and phone handling. It also keeps tabs on when you drive. You can download the mobile app and score 10% off your premiums if you sign up. You have the potential to save even more if you prove you’re a safe driver who follows the speed limit.1
Travelers’ IntelliDrive is similar to DynamicDrive in that it tracks your driving behavior. If you demonstrate safe driving, you can earn up to 30% off your rates.2 But if you demonstrate high-risk driving behavior, your car insurance costs may increase. To enroll in IntelliDrive, all you have to do is install the app on your phone.
National General vs. Travelers: Which is the cheapest?
National General is the cheapest insurance company across many driving categories. But your average insurance rate will ultimately depend on factors like your location, past violations, credit history, annual mileage, whether you need high-risk auto insurance, which discounts you qualify for, and more.3
National General: Cheapest for drivers with a clean driving record
National General is the cheaper car insurance company for people with a clean driving record.
National General: Cheapest for drivers with a speeding ticket
Drivers with a speeding ticket on their record can likely find cheaper premiums and a more affordable price through National General.
Travelers: Cheapest for teen drivers
Teen drivers and other young drivers may earn slightly lower rates with Travelers.
National General: Cheapest for senior drivers
Senior drivers can find slightly more affordable car insurance coverage with National General.
National General: Cheapest for drivers with bad credit
National General has cheaper rates for drivers with bad credit.
Insurers typically consider your credit history when determining premiums. Generally, drivers with a poor credit score pay higher premiums than drivers with good or excellent credit.
Compare coverages: National General vs. Travelers
National General and Travelers provide standard auto insurance products to protect you after a car accident, including bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist coverage. The companies also offer full-coverage insurance, which includes collision and comprehensive coverage.
Both insurance companies sell unique coverages to help customize your insurance policy beyond your state’s minimum liability limits, but National General has slightly fewer options than Travelers. For example, Travelers allows drivers to add gap insurance, rental car reimbursement, and rideshare coverage, whereas National General offers accidental death and dismemberment coverage.
Fortunately, both insurers have accident forgiveness, which can come in handy if you have to file a car insurance claim for compensation from your insurer.
Here’s a quick snapshot of each company’s add-on coverage offerings.
Compare discounts: National General vs. Travelers
Travelers has more car insurance discounts than National General, but neither insurer advertises all available discounts online, as they often vary by state. It’s a good idea to reach out to a car insurance agent or get a quote on the car insurance company’s website to find out which discounts might apply to you.
The table below compares the advertised discounts of National General and Travelers to help you earn the cheapest rates.
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