GEICO vs Travelers: Car Insurance Comparison
Compare GEICO and Travelers car insurance coverage, discounts, telematics programs, accident forgiveness features, roadside assistance and other important policy options.
GEICO vs Travelers: What You Should Compare
GEICO and Travelers are major U.S. auto insurers, but their available coverages, discounts, telematics programs and policy features can vary depending on the state and customer profile.
A useful comparison should look beyond the advertised premium. Drivers should compare the same liability limits, deductibles, optional coverage and policy features when requesting quotes.
Your actual premium can depend on factors such as location, driving history, vehicle, age, coverage selections and other underwriting information.
GEICO vs Travelers at a Glance
| Feature | GEICO | Travelers |
|---|---|---|
| Auto insurance | Yes | Yes |
| Liability coverage | Available | Available |
| Collision coverage | Available | Available |
| Comprehensive coverage | Available | Available |
| Uninsured / underinsured motorist | Available | Available |
| Roadside assistance | Emergency Roadside Service | Roadside assistance |
| Rental reimbursement | Available | Available |
| Telematics | DriveEasy | IntelliDrive |
| Accident forgiveness | Available subject to eligibility and state rules | Available subject to eligibility and state rules |
| Discount programs | Multiple discount categories | Multiple discount categories |
GEICO and Travelers Auto Insurance
Key features available through each insurer.
GEICO Car Insurance
GEICO provides auto insurance policies with a range of standard and optional coverage choices. Its auto insurance offering also includes digital tools, discounts and optional usage-based insurance.
- Liability coverage
- Collision and comprehensive coverage
- Uninsured and underinsured motorist coverage
- Rental reimbursement
- Emergency Roadside Service
- Mechanical Breakdown Insurance where available
- DriveEasy telematics program
- Claim Forgiveness where available
Travelers Car Insurance
Travelers offers auto insurance with standard coverage choices and several optional features. Its programs can include usage-based insurance, accident forgiveness and additional protection options.
- Liability coverage
- Collision and comprehensive coverage
- Personal injury protection or medical payments where applicable
- Uninsured and underinsured motorist coverage
- Rental coverage
- Roadside assistance
- Loan or lease gap insurance
- New car replacement options for eligible policies
- IntelliDrive telematics program
GEICO vs Travelers Coverage
Both companies provide the major types of auto insurance coverage, although exact availability and limits can vary by state.
Liability
Helps cover qualifying damages or injuries you are legally responsible for, subject to policy limits.
Collision
Helps cover damage to an insured vehicle resulting from a covered collision, subject to the deductible and policy terms.
Comprehensive
Helps cover qualifying non-collision losses such as theft, vandalism and certain weather-related damage.
Uninsured Motorist
Can provide protection in qualifying situations involving drivers who do not have sufficient insurance.
Rental Coverage
Optional rental reimbursement can help with qualifying temporary transportation expenses after a covered loss.
Roadside Assistance
Both insurers offer roadside assistance options, subject to policy terms and availability.
Important: Coverage names, limits, deductibles, exclusions and availability can vary by state. Always review the actual policy and quote before purchasing coverage.
GEICO vs Travelers Discounts
Both insurers offer multiple discount categories, but eligibility and savings amounts depend on the state and individual circumstances.
| Discount / Program | GEICO | Travelers |
|---|---|---|
| Multi-vehicle | Available | Available |
| Multi-policy / bundling | Available | Available |
| Good student | Available | Available |
| Safe driving | Available | Available |
| Telematics-related savings | DriveEasy | IntelliDrive |
| Electric / hybrid vehicle programs | Availability varies | Qualifying hybrid/electric vehicle discounts may be available |
| Other discounts | Multiple driver, vehicle and policy-related discounts | Multiple driver, vehicle and policy-related discounts |
Discount percentages should not be assumed to apply to every driver. Eligibility, maximum savings and availability can change by state and individual policy circumstances.
GEICO DriveEasy vs Travelers IntelliDrive
Both companies have usage-based programs designed to use driving behavior as part of their insurance programs.
| Feature | GEICO DriveEasy | Travelers IntelliDrive |
|---|---|---|
| Program type | Usage-based insurance | Usage-based insurance |
| Monitoring | Uses the mobile app and driving information | Uses driving information during the monitoring period |
| Driving factors | Includes factors such as braking, cornering and phone use | Includes factors such as speed, acceleration, braking, time of day and handheld phone interaction |
| Potential savings | Potential savings based on program participation and driving behavior | Potential savings may be available for qualifying safe driving |
| Availability | State-dependent | State-dependent |
| Premium impact | Program participation and driving behavior can affect pricing where applicable | Driving results can affect premium where the program applies |
Note: Usage-based insurance programs are optional in applicable markets, but rules differ by state. Review the current program terms before enrolling.
Accident Forgiveness: GEICO vs Travelers
Accident forgiveness can help eligible drivers avoid a qualifying premium increase after certain accidents.
GEICO Claim Forgiveness
GEICO offers Claim Forgiveness for qualifying drivers and policies in applicable states. It may be earned through an eligible driving history or purchased where offered.
Travelers Accident Forgiveness
Travelers offers Accident Forgiveness as an optional feature for qualifying customers. Availability and eligibility vary by state.
Accident forgiveness does not mean an accident is automatically excluded from every aspect of a policy or claims history. Specific eligibility requirements and state restrictions apply.
Important Differences Between GEICO and Travelers
The following differences can help you understand what to examine when comparing the two insurers.
1. Telematics Programs
GEICO uses DriveEasy, while Travelers offers IntelliDrive. The programs differ in monitoring periods, measured driving factors, eligibility and state availability.
2. Coverage Options
Both companies offer core auto insurance coverage, while optional features such as mechanical breakdown insurance, gap protection, new car replacement and other enhancements differ.
3. Discounts
Both insurers offer multiple discounts, but the available discounts and exact savings depend on the policyholder and state.
4. State Availability
Insurance regulations and product availability differ across the United States. A feature offered in one state may not be offered in another.
5. Accident Forgiveness
Both companies have accident-forgiveness features, but eligibility, qualification requirements and state availability are different.
6. Quote Pricing
Your actual premium can be different from another driver’s premium because insurers consider multiple underwriting factors.
How to Compare GEICO and Travelers Quotes
A meaningful price comparison requires matching the policy details as closely as possible.
Use the Same Liability Limits
Compare the same bodily injury and property damage liability limits.
Match Deductibles
Use the same comprehensive and collision deductibles when comparing premiums.
Match Optional Coverage
Include comparable rental, roadside, uninsured motorist and other optional protection.
Check Discounts
Confirm which discounts are actually available for your household, vehicle and location.
Review Telematics
If considering DriveEasy or IntelliDrive, review the program rules and potential effects on pricing.
Read the Policy
The final policy documents determine the actual coverage, exclusions, limits and conditions.
GEICO vs Travelers FAQ
Answers to common questions about comparing the two auto insurers.
Is GEICO or Travelers better for car insurance?
GEICO and Travelers have different coverage options, discounts, telematics programs and policy features. The relevant comparison depends on your state, coverage requirements, driving history, vehicle and actual quote.
Does GEICO have a telematics program?
Yes. GEICO offers DriveEasy in participating states. The optional program uses driving information such as braking, cornering and phone interaction to determine driving-related savings.
Does Travelers have a telematics program?
Yes. Travelers offers IntelliDrive, a usage-based insurance program that monitors driving behavior during a monitoring period. Availability and premium effects vary by state.
Do GEICO and Travelers offer accident forgiveness?
Both insurers offer accident-forgiveness features subject to eligibility and state availability. Travelers also offers related responsible-driver features in applicable markets.
Should I compare GEICO and Travelers using the same coverage?
Yes. Use the same liability limits, deductibles and comparable optional coverages whenever possible. This makes the quoted premiums easier to compare.
Can GEICO and Travelers prices vary by state?
Yes. Auto insurance pricing and product availability can vary significantly by state because of regulations, underwriting rules, claims experience and individual driver characteristics.
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Compare GEICO and Travelers Carefully
Coverage, discounts, eligibility and premiums can vary by state and individual circumstances. Compare equivalent policies and review the actual policy terms before making a purchase decision.
Explore More Insurance ComparisonsDisclaimer: This page is for informational purposes only and is not an insurance quote, contract or guarantee of coverage or savings. Insurance products, discounts, eligibility, pricing and availability vary by state and individual circumstances. Always review the insurer’s current policy documents and quote for applicable terms.