National General vs. Travelers: Which Is Best? (2025)
Travelers has high customer satisfaction scores and a wide selection of add-ons and discounts, making it our top pick.
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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.
Quick Facts
Travelers offers unique add-ons, like gap insurance, rental car reimbursement, and rideshare coverage.
While National General has cheaper premiums on average, Travelers has more discounts that can lead to affordable auto insurance coverage.
Travelers is a larger car insurance company with better ratings for financial stability than National General.
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.
Factor  | National General | Travelers |
|---|---|---|
| IQ Score | 7.0 | 8.5 |
| Customer satisfaction score | 2.7 | 3.5 |
| Average quote: liability only | $95 | $99 |
| Number of discounts | 7 | 14 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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).
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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.[?]
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.[?] 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.[?]
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.
Driver Type | National General | Travelers |
|---|---|---|
| Clean driving record | $95 | $99 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Type | National General | Travelers |
|---|---|---|
| Drivers with a speeding ticket | $117 | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Travelers: Cheapest for teen drivers
Teen drivers and other young drivers may earn slightly lower rates with Travelers.
Driver Type | National General | Travelers |
|---|---|---|
| 18-year-old | $212 | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General: Cheapest for senior drivers
Senior drivers can find slightly more affordable car insurance coverage with National General.
Driver Type | National General | Travelers |
|---|---|---|
| Senior drivers | $68 | $73 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driver Type | National General | Travelers |
|---|---|---|
| Drivers with bad credit | $116 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Coverage | National General | Travelers |
|---|---|---|
| Gap insurance | No | Yes |
| Accident forgiveness | Yes | Yes |
| Rental car reimbursement | No | Yes |
| Rideshare coverage | No | Yes (in CO and IL only) |
| Roadside assistance | Yes | Yes |
| Accidental death and dismemberment | Yes | No |
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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.
Discount | National General | Travelers |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | No | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | Yes | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | Yes |
| Military/affiliation | No | Yes |
| Good student | No | Yes |
| Loyalty | No | No |
| Auto-pay | Yes | Yes |
| Student away at school | No | Yes |
| Homeowner | No | Yes |
| Alternative fuel | No | Yes |
National General vs. Travelers FAQs
The following information can help answer your remaining questions about car insurance from National General and Travelers and find the best auto insurance policy for your situation.
Why is National General insurance so cheap?
National General offers cheap rates and several discounts, and the company’s DynamicDrive telematics program can also lower drivers’ insurance rates. You should always compare car insurance quotes from multiple different companies to find the lowest rates for your specific needs.
Your insurance rate will depend on a number of factors, including whether you have past violations like an at-fault accident or DUI conviction, the number of vehicles on your policy, and more.
Is Travelers the biggest insurance company?
Like State Farm and Progressive, Travelers is one of the largest insurers in terms of market share and premiums written. Travelers is the ninth-largest company selling private passenger auto insurance, according to the National Association of Insurance Commissioners.[?]
Is Travelers the same as Nationwide?
No. Travelers is a slightly larger insurance company than Nationwide. But both car insurers offer a variety of coverage levels and discounts. You should explore each one if you’re looking for a new auto insurance policy with a better average rate.
Is Travelers Insurance a reputable company?
Yes. Travelers has been in the insurance industry since 1864. In addition to its long-standing history, the insurance company holds an A++ (Superior) financial stability rating from AM Best. It’s one of the best car insurance companies in the U.S.
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