Can a quick quote really reveal the right balance between price and protection for your car?
Travelers helps you compare car and auto coverage fast so you can see what matters most: liability, collision, and comprehensive protection. A short request gives personalized information on average cost drivers, from drivers and vehicles to policy limits and deductible choices.
Get a tailored estimate online, in the MyTravelers app, through a local agent, or by calling 1.866.218.0397. The process highlights premiums, deductibles, and available discounts like bundling with home, safe driving, and paid-in-full options.
Use that initial quote to build the policy you need and to spot savings opportunities. Travelers’ digital tools and agent network guide adjustments so you can limit surprises at renewal and keep coverage aligned with your budget.
Key Takeaways
- Is Travelers Auto Insurance Right for You? What to Expect from This Insurance Company
- travellers auto insurance quote: Pricing, ZIP Code Factors, and How Rates May Vary
- Coverage Options That Matter: Building the Right Auto Policy
- Ways to Save Money: Discounts, Bundling, and Programs
- Intellidrive by Travelers: Telematics to Lower Your Auto Insurance Cost
- Customer Experience and Claims: What Drivers and Ratings Say
- Availability, Eligibility, and ZIP Code Notes
- How to Get Your Auto Insurance Quote from Travelers
- Travelers vs. Other Insurance Companies: Value Beyond Price
- Conclusion
- FAQ
- Requesting a quote gives personalized cost and coverage info for your profile.
- Core coverages include liability, collision, and comprehensive protection.
- Discounts and bundling with home can lower your average premium.
- Travelers offers online, app, agent, and phone options for convenience.
- Adjust policy terms after the quote to balance premium and deductible.
Is Travelers Auto Insurance Right for You? What to Expect from This Insurance Company
If you want a financially strong company with both digital tools and agent support, Travelers is worth a closer look.
Who benefits most: Drivers who value an AM Best A++ carrier, broad car insurance options, and modern self-service tools will likely find a good fit. The company’s scale helps multi-vehicle households and complex needs.
Expect clear information when you contact an agent or use the MyTravelers tools. Many customers praise responsive service and efficient claims handling. Some reports note rate adjustments at renewal after changes in risk or market conditions.
The claims posture reflects strong reserves and multiple filing channels. Third-party ratings vary by region, so satisfaction can differ.
- Flexible policy choices: adjust limits and deductibles over the years.
- Agent support: helpful for tradeoffs, discounts, and binding decisions.
- Digital convenience: payments, claims, and roadside features in one app.
| Factor | What to Expect | Why It Matters |
|---|---|---|
| Financial strength | A++ rating | Confidence claims are paid |
| Service | Mix of digital + agents | Choice of self-service or personal help |
| Rates | May change at renewal | Location, accident history, and selections affect cost |
“J.D. Power score indicates solid claims satisfaction in many areas.”
Bottom line: Gather information, compare car insurance offers, and decide if Travelers’ mix of coverage, service, and tools matches your budget and needs.
travellers auto insurance quote: Pricing, ZIP Code Factors, and How Rates May Vary
Your monthly payment can change a lot based on ZIP-level risks, driving history, and coverage choices.
Average cost snapshot: liability coverage vs. full coverage
A typical Travelers price runs about $98 per month for liability-only and about $185 per month for full coverage. Annualized figures translate to roughly $530 per year for minimum coverage and about $1,630 per year for full protection.
ZIP code and state differences
Local risk matters. Rates shift by zip code and states because weather, theft rates, and congestion affect losses. In some areas, like parts of Tampa Bay, the company has limited new policies in certain ZIPs.
Driver profiles and five years of history
Your record over roughly five years drives pricing. Examples: teen drivers can see about $3,946 per year, one ticket averages near $1,920, a single DUI about $3,023, and some seniors near $1,130.
How Travelers compares on price
Sample full-coverage averages: Allstate ~$134, GEICO ~$136, Progressive ~$177, Travelers ~$185, Farmers ~$215. These figures show market context, but your actual policy cost may vary with vehicle, limits, and deductible choices.
- Higher limits and lower deductibles raise premiums.
- Updating garaging address, safety features, and mileage can change a rate materially.
- Shopping multiple carriers helps reveal where you get the best value.
“Complete the application fully and provide accurate information to avoid re-quoted rates at bind time.”
For tips on comparing offers and getting the most accurate numbers, see how to compare car insurance quotes.
Coverage Options That Matter: Building the Right Auto Policy
Build a policy that fits your driving habits, vehicle age, and lender needs.
Core coverages form the foundation of any insurance policy. Liability coverage pays for others’ bodily injury and property damage after an accident. Collision coverage handles repair costs to your vehicle from crashes or rollovers. Comprehensive coverage protects against theft, fire, vandalism, and animal strikes.
Loan/lease gap and new-car replacement
Loan/lease gap coverage bridges the gap between a totaled car’s value and what you owe. New-car replacement can restore you to a similar new model if your vehicle is totaled within the first five years.
Roadside help and transport after a loss
Roadside assistance covers towing, fuel delivery, and lockout services. Extended transportation pays for a rental car, rideshare, or transit while your vehicle is being repaired after a covered loss.
Rideshare and policy design
Limited rideshare endorsements exist only in some states. If you drive for a TNC, confirm availability so your personal coverage and platform work windows align.
Limits, deductibles, and shaping cost
Higher policy limits and lower deductibles raise premiums. Choosing a $500 deductible instead of $1,000 cuts your immediate out-of-pocket risk at a higher monthly cost. Match coverage options to vehicle value, lienholder rules, and your comfort with possible repair bills.
- Tip: Review coverages annually and after major life changes.
- Doc: Record safety and anti-theft features to help pricing and claims.
- Compare: See full-coverage details and examples at full coverage basics.
Ways to Save Money: Discounts, Bundling, and Programs
You can lower your costs by combining program discounts with multi-policy savings.
Core discount types: Safe driver, good student, and driver training credits reward low-risk behavior and recent completion of training programs. Note: some credits aren’t available in CA or NY and percentages vary by state.
Early signup and payment perks
Early quote, EFT, paid-in-full, and good payer options reduce premiums through payment and timing incentives.
Examples: paid-in-full and good payer savings can each cut costs, while EFT and early sign-up add small extra reductions.
Bundling and household programs
Combine policies like car insurance with home, condo, or renters to lower bills and simplify management.
Multi-car and continuous coverage discounts reward households with more than one vehicle and those who keep uninterrupted protection.
Special vehicle and program discounts
Hybrid/electric models and new cars often qualify for extra savings due to safety and lower risk. Always confirm documentation needs.
- Stack eligible discounts where allowed to maximize savings.
- Ask an agent to review combinations so coverage stays adequate.
- Request updated quotes when adding drivers or vehicles—new tiers may appear.
“Verify current terms and state availability during quoting to capture every eligible saving.”
Intellidrive by Travelers: Telematics to Lower Your Auto Insurance Cost
Intellidrive uses short-term trip data to turn everyday driving into a personalized savings opportunity.
How it works: The 90-day program runs in the MyTravelers app and records real-world driving. It measures speed, rapid acceleration, harsh braking, nighttime trips, and phone distraction. The app gives ongoing feedback so you can change habits mid-program.
Savings and risks: Safe behavior may cut your auto insurance by as much as 30%. Conversely, repeated risky patterns can raise your premium because telematics personalizes price to measured behavior.
- Opt in at a new policy or renewal; you can opt out within about 45 days.
- Not offered in every state (for example, CA, NY, WA, MD may be excluded).
- Household drivers can affect the overall outcome, so align safe habits.
Tips to improve scores: Keep steady speeds, increase following distance, avoid late-night trips, and silence notifications to reduce distraction. Remember: coverage and other policy terms stay the same; telematics changes price based on measured driving, not your past accidents or violations.
“Weigh the potential savings against being monitored and decide if the program fits your comfort level.”
Customer Experience and Claims: What Drivers and Ratings Say
How a company handles claims and communicates after an accident often matters more than the initial premium.
Financial strength and what it means
AM Best A++ shows Travelers has strong reserves. That gives confidence the carrier can pay large covered losses and handle complex claims.
What customers report and third‑party scores
Many customers praise clear communication and fast digital tools for filing a claim. Others note frustration when premiums rise at renewal.
J.D. Power gives a 797 score, which is solid but below some peers. The NAIC complaint index of 10.89 means more complaints than average. These metrics set realistic expectations.
- Some surcharges can affect rates for up to five years after an accident.
- Use MyTravelers to file, upload photos, and track status for faster resolution.
- Document damage, keep receipts, and contact your adjuster promptly.
“Understand your deductible, rental coverage, and limits before a loss to avoid surprises.”
Overall, Travelers’ financial strength and national reach support reliable claim handling, though satisfaction varies by region and case complexity. Shopping at renewal is reasonable when value changes.
Availability, Eligibility, and ZIP Code Notes
State rules and neighborhood risk shape what coverages you can buy and how much you pay.
Where Travelers writes policies: The company issues personal car coverage in 42 states plus D.C., but it does not offer personal auto in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, or Wyoming.
Local nuances and ZIP-level limits
Underwriting can restrict specific zip code areas. For example, some Tampa Bay ZIPs are closed to new business. Your exact code and garaging address matter for eligibility and price.
Rideshare and add‑on availability
Rideshare endorsements vary by state. Confirm whether your state supports that option before buying add-ons like new‑car replacement or gap coverage.
- State law affects minimums, optional benefits, and pricing.
- Local weather and theft trends tied to your zip influence rates.
- Get a precise address when you request terms to avoid re‑quoting later.
“Check local rules early and ask an agent about bundling and endorsement availability.”
In short, availability and pricing hinge on your state and neighborhood. Verify details early in the process and contact a local agent or use the company’s resources like this guide for clarity.
How to Get Your Auto Insurance Quote from Travelers
Knowing what details insurers use cuts the time it takes to get accurate online numbers.
What you’ll need
Gather: driver license info for each driver, VINs for each vehicle, current policy details, garaging address, estimated annual mileage, and your desired limits and deductible choices.
Where to request terms
Get a Travelers quote online, in the MyTravelers app, by calling 1.866.218.0397, or work with an agent for one-on-one guidance. The app also supports bill pay, claims filing, and ID card storage.
Tips to compare and lock savings
- Request multiple quotes on the same day with identical coverage to compare price fairly.
- Lock discounts early: enroll in EFT, consider paid-in-full, and ask about bundling with a home policy.
- Report safety features and usage (commute vs. pleasure) so rates reflect real risk.
- Review declarations carefully before you bind and save ID cards in the app for easy access.
Final step: Talk to an agent about future needs—like adding a teen driver or a new vehicle—and reassess quotes annually to capture new discounts and changing market rates. For details on buying a policy, see this car insurance resource.
Travelers vs. Other Insurance Companies: Value Beyond Price
Value is more than a dollar figure — it includes support after a crash and tools that simplify getting back on the road.
Coverage breadth, claims tools, and roadside assistance service
Coverage options are broad: gap, new-car replacement, and limited rideshare endorsements where allowed help fill gaps some competitors skip.
MyTravelers offers quick claim initiation, document upload, and payment handling. The app also shows real-time roadside assistance status so you know when help arrives.
Who benefits most: young drivers, homeowners, and safe drivers
Homeowners who bundle policies often close the price gap and gain simpler management across car and home policies.
Safe drivers and families with multiple vehicles benefit from program discounts and cohesive policy tools. Young drivers may value strong claims support more than the lowest average premium.
“Per-claim support, rental coordination, and repair network access can be decisive during stressful moments.”
| Factor | Travelers Strength | Competitor Note | Why It Matters |
|---|---|---|---|
| Financial rating | A++ (AM Best) | Some peers vary | Confidence claims are paid |
| Digital claims | MyTravelers app: uploads, payments, tracking | Varying app features | Faster repairs and less hassle |
| Roadside assistance | Real-time status and coordination | Offered by most carriers | Quicker return to daily life |
| Average full coverage | ~$185/mo | Allstate ~$134, GEICO ~$136, Progressive ~$177, Farmers ~$215 | Compare identical limits to judge true value |
Bottom line: Compare identical limits and deductibles across companies to judge real value. If claims tools, coverage breadth, and bundling matter more than a slightly lower average premium, this company may be the better fit.
Conclusion
Balance Travelers’ financial strength with the coverage you need to protect your car and assets. Compare car insurance and auto insurance choices by checking liability, collision coverage, and comprehensive coverage alongside discounts and digital tools the company offers.
Tailor your policy with gap, rental, and roadside options that fit your vehicle and budget. Review limits, consider higher liability coverage for asset protection, and remember claims tools can speed recovery after an accident.
Next step: request multiple quotes through the app, web, phone (1.866.218.0397), or an agent. Confirm discounts, bind the policy that matches your needs, and recheck coverage annually as drivers, vehicles, and ZIP risks change.
FAQ
How do Travelers auto insurance rates vary by ZIP code and state?
Rates depend on local factors like theft and accident frequency, population density, state minimum liability laws, and repair costs. Urban ZIP codes often face higher premiums than rural areas. Your exact cost changes when state regulations or risk statistics differ.
What core coverage options should I consider when building a policy?
Essential coverages include liability for bodily injury and property damage, collision for crash repairs, and comprehensive for non-collision losses like theft or weather damage. Add gap coverage for financed vehicles, new-car replacement for qualifying newer vehicles, and roadside assistance for emergency help.
How does a driver’s five-year history affect my premium?
Tickets, at-fault accidents, and DUI convictions in the past five years raise rates. Conversely, a clean record and safe driving courses can lower them. Insurers weigh frequency and severity of incidents when setting premiums.
What discounts can lower my policy cost?
Common savings include safe-driver, good-student, multi-policy bundling with home or renters, multi-car, paid-in-full, and electronic funds transfer discounts. Some companies offer hybrid/electric vehicle or anti-theft device discounts too.
How does telematics like IntelliDrive work and can it save me money?
Telematics apps track driving habits—speeding, hard braking, time of day—and use a trial period (often 90 days) to build a score. Safe behaviors can earn discounts, sometimes up to about 30%, but risky driving can reduce savings or increase rates.
Can I get roadside assistance and rental car coverage on my policy?
Yes. Many policies offer roadside assistance for towing, jump starts, and lockouts. Rental reimbursement covers transportation while your vehicle is repaired after a covered loss, subject to daily limits and maximums.
How do policy limits and deductibles influence my premium?
Higher liability limits increase premiums but provide more protection. Raising your collision and comprehensive deductibles lowers your premium but increases out-of-pocket costs after a claim. Choose limits that balance risk and budget.
Are rideshare drivers covered under a standard personal policy?
Coverage for rideshare activities varies by state and insurer. Some carriers offer limited endorsements or separate rideshare policies for when the app is on. Verify availability and any ZIP code restrictions before driving for hire.
What information will I need to get a quote quickly?
Have drivers’ names, birthdates, driver license numbers, vehicle year/make/model and VIN if possible, current mileage, and your ZIP code. Also gather driving history details like accidents or violations for the past five years to get an accurate estimate.
How does bundling auto with home or condo coverage affect pricing?
Bundling often delivers a significant multi-policy discount and simplifies billing. Homeowners and condo owners typically see larger savings when combining property and car policies with the same insurer.
How does Travelers compare to GEICO, Progressive, Allstate, and Farmers on price and service?
Price comparisons depend on ZIP code, driver profile, vehicle, and chosen coverages. Some drivers find lower rates with GEICO or Progressive, while others prefer Travelers for coverage options and claim handling. Compare personalized quotes and look at customer service and financial strength ratings.
What should I expect from the claims process and customer service?
Expect online and app-based claim filing, 24/7 claims reporting in many regions, and access to repair network partners. Review customer ratings and complaint indexes to gauge service levels and speed during the claim lifecycle.
Are there restrictions on who can get a policy in certain states or ZIP codes?
Yes. Availability varies by state and insurer licensing. Some ZIP codes with high risk or specific vehicle uses like commercial or rideshare may face restrictions or different endorsement requirements.
When should I shop for a new policy to lock in discounts?
Shop before your renewal date, after major life changes (marriage, move, adding a vehicle), or when your driving record improves. Comparing quotes and confirming eligible discounts can lock in better rates before the policy renews.
Can I adjust coverage for a teen driver to manage costs?
Adding a teen raises premiums, but you can reduce costs by maintaining higher deductibles, leveraging good-student discounts, enrolling them in driver training, and adding them to a multi-car family policy rather than a separate policy.