Want to know if you’re paying too much for protection?
Getting a fast online rate helps you see what coverage fits your needs and what it will cost. Start by entering a 5‑digit zip code and a few basics about drivers and vehicles to view liability, collision, and comprehensive pricing.
For live help, call get quote support at 1.866.218.0397 to ask questions about limits, discounts, or to connect with a local agent. You can also manage a policy through the MyTravelers app to pay bills, access ID cards, and file claims.
Use online tools to compare scenarios and see how changing deductibles or coverage levels affects your premium. If you bundle auto with home, ask about savings that may lower overall costs. Learn more and compare options at this rate and coverage page.
Key Takeaways
- Travelers Auto Insurance at a Glance for Today’s Shopper
- Travelers Car Insurance Costs and Rate Factors
- Coverage Options, Policy Terms, and What They Mean
- Discounts, Bundling, and Programs to Lower Your Premium
- How to Get a travelers insurance quote car Online
- Tools, Service, and Extras That Add Value
- Is Travelers Right for You? Pros, Cons, and Who It Fits
- Conclusion
- FAQ
- Enter basic details and your zip code to get tailored rate estimates.
- Compare liability, collision, and comprehensive coverage side by side.
- Call 1.866.218.0397 for agent help or to ask specific questions.
- Use the MyTravelers tools to manage payments and claims digitally.
- Bundling with home can yield extra savings on your total policy cost.
Travelers Auto Insurance at a Glance for Today’s Shopper
Start here for a concise snapshot of the company, its coverage choices, and tools that simplify policy management.
Established more than 165 years, the carrier offers flexible car insurance and auto insurance options tailored to your vehicle and drivers. Policies range from basic liability to full comprehensive protection.
The MyTravelers website and mobile app let you pay bills, access ID cards, file claims, and track roadside help without a long hold time.
Bundle with home, condo, or renters to simplify billing and may lower combined premiums. For live help, call get quote at 1.866.218.0397 or work with an agent for local advice.
| Feature | Why it matters | How to start |
|---|---|---|
| Digital tools | Fast service for claims and ID cards | Sign in to MyTravelers |
| Bundling | Potential savings and one login | Add home or renters to policy |
| Learning resources | Articles and tips for smart choices | Read car insurance tips and guides |
- Begin with your 5-digit zip code and vehicle details to see rates.
- Liability coverage helps pay others after an accident.
Travelers Car Insurance Costs and Rate Factors
Start by checking typical yearly rates to see how limits and deductibles change your bill.
Average premiums: Minimum coverage runs about $530 per year, while full coverage averages near $1,630. Full plans usually include collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.
Driver profiles and life stages
Costs vary by age and experience. Teens average about $3,946 annually. Young adults average $1,637, adults $2,133, and older drivers near $1,130.
Impact of violations
A single speeding ticket can raise annual premiums to roughly $1,920, while a DUI often pushes costs to about $3,023. Both are slightly below national comparisons, but still meaningful.
What really affects cost
Vehicle type, driving history, annual mileage, chosen limits, and your 5-digit zip code shape the base rate. Lower deductibles and higher limits increase premiums; raising the deductible can reduce costs.
| Factor | Typical effect | Example | Notes |
|---|---|---|---|
| Coverage level | Large | Minimum $530 vs. Full $1,630 | Full adds collision and comp |
| Driver profile | Variable | Teen $3,946; Older $1,130 | Age and record matter most |
| Violations | High | Ticket $1,920; DUI $3,023 | May decline over time |
| Location (zip) | Moderate–High | Urban vs. rural gaps | Garaging address impacts rates |
- Use these averages to benchmark your policy choices.
- Compare identical limits between carriers for fair cost comparisons.
Coverage Options, Policy Terms, and What They Mean
Start by knowing what each part of a policy does. Liability pays others for bodily injury and property damage you cause. Collision helps repair your vehicle after a crash. Comprehensive covers theft, weather, fire, and animal strikes.
Gap and transportation protections
If you finance or lease a vehicle, gap coverage matters. It covers the shortfall between what you owe and what the insurer pays if the vehicle is totaled.
Extended transportation expenses help with a rental or transit costs while a covered repair is made.
Premiums, deductibles, and limits
Premiums are what you pay for a policy. A deductible is your out-of-pocket amount per claim. Limits are the maximum the policy pays.
Higher limits increase protection but raise premiums. A larger deductible usually lowers your premium but costs more when you file a claim.
Beyond the basics
Uninsured/underinsured motorist and personal injury protection (PIP) fill gaps where the at-fault driver lacks adequate coverage or to handle medical bills and lost wages. Availability varies by state, so ask an agent about requirements and options.
| Coverage | What it pays | When it helps | Notes |
|---|---|---|---|
| Liability | Others’ medical/repair costs | When you cause an accident | State minimums apply |
| Collision | Repair or replace your vehicle | Collision with object or vehicle | Subject to deductible |
| Comprehensive | Non-collision loss (theft, storm) | Theft, fire, weather, animal strike | Often paired with collision |
| Gap / Transportation / UM-PIP | Loan gap, rental costs, medical cover | Total loss, repair downtime, uninsured crash | Optional; state limits affect PIP/UM |
Match limits to your needs and request side-by-side pricing for different deductible levels. For a guided comparison, see this auto insurance comparison guide.
Discounts, Bundling, and Programs to Lower Your Premium
Explore practical steps to cut costs while keeping the protection you need.
Stacking discounts is often the fastest way to reduce your premiums. Look for Safe Driver, Good Student, Early Quote, Paid‑in‑Full, and Good Payer credits. Availability and amounts vary by state, so verify what applies to your policy.
Bundle and combine
Combine auto and home or renters to unlock multi‑policy savings and simplify bills. Bundling can also include umbrella, boat, or valuable‑items coverage for extra savings and alignment across policies.
Telematics and mileage
IntelliDrive is a 90‑day telematics program that scores speed, time of day, phone use, and braking. In states where it’s offered you may save up to 30% if you drive under 13,000 miles per year.
What to check and re‑run
- Confirm state limits — some discounts or telematics aren’t available in certain states (for example, Safe Driver and IntelliDrive restrictions apply in specific states).
- Consider Multicar, New Car, Driver Training, Student Away, EFT, and affinity credits when they fit your profile.
- Re‑run your discounts and coverage page or speak with an agent after life changes to capture new savings.
How to Get a travelers insurance quote car Online
Need a fast, accurate price? Start with your zip and a few basics to get tailored results.
ZIP code required: enter the required must 5-digits to get localized rates and state-specific coverage details. This first step unlocks the correct forms for your state and shows available discounts.
What you’ll need: driver names, license numbers, recent driving history, garaging address code, each vehicle’s VIN and primary use, plus preferred limits and deductible choices. Accurate details help the system continue quote find results that match your profile.
How to submit and get help
- Begin online to see immediate, itemized options.
- Call get quote at 1.866.218.0397 to speak with a representative if you have questions or want live help.
- Prefer a local touch? Use quote find agent tools to connect with a nearby agent who can finish the application.
| Start step | Why it matters | How to proceed |
|---|---|---|
| Enter 5-digit zip | Shows local rules and rates | Type the required must 5-digits first |
| Gather documents | Speeds the process | Have VINs, license numbers, mileage |
| Choose contact method | Online, phone, or agent | Finish online, call get quote, or meet agent |
When ready, compare the itemized quotes and adjust coverage sliders. For direct policy tools and online quotes, visit this car insurance page.
Tools, Service, and Extras That Add Value
Smart apps and supplemental policies give drivers faster service and broader liability safeguards.
MyTravelers mobile app puts key functions on your phone. Use it to request quotes, view and download digital ID cards, pay a policy bill, file claims, and track roadside assistance.
Keep documents in the app so you can show proof of car insurance when needed. The app also lets you edit policy features and sometimes get a repair estimate before you file.
Named non-owner and umbrella options
Named Non‑Owner coverage follows a driver who borrows or rents a vehicle. It provides liability protection without owning the vehicle.
Umbrella plans add $1M–$10M of extra liability and legal defense. They can cover certain claims abroad and help with high medical or attorney costs.
- Enable paperless and EFT to simplify billing and qualify for select discounts.
- Ask an agent about midterm changes and endorsements for modified vehicles or aftermarket parts and how a deductible may apply.
- Explore telematics programs to earn savings based on driving habits.
| Tool / Extra | What it does | When it helps |
|---|---|---|
| Mobile app | Pay bills, ID cards, file & track claims, roadside | After an incident or for everyday access |
| Named Non‑Owner | Liability when you drive but don’t own | Frequent renting or borrowing a vehicle |
| Umbrella | $1M–$10M extra liability, legal defense | High-net-worth exposures or serious claims |
Tip: Use car insurance tips and insurance tips resources to learn best practices for claims, rentals, and roadside planning. Bundling with home can also help align coverage and reduce total costs.
Is Travelers Right for You? Pros, Cons, and Who It Fits
Evaluate value by weighing typical rates, discount programs, and app features against your personal driving profile.
Where it shines
Competitive pricing: Full coverage averages about $1,630 annually for many drivers, making this option a solid market contender.
Deep discount mix: Multi‑policy bundling, Safe Driver, Good Payer, and telematics via IntelliDrive (up to 30% savings if you drive under 13,000 miles/year where offered) can lower costs substantially.
Digital convenience: Manage policies, ID cards, billing, and claims in one app for fast service and less paperwork.
Potential limitations
Availability is limited in eight states (AK, HI, LA, MI, ND, SD, WV, WY). That reduces options for some shoppers.
Not all discounts apply everywhere—Safe Driver isn’t offered in CA or NY, and IntelliDrive is absent in CA, NY, WA, and MD. Verify eligibility early to avoid surprises.
Comparing quotes fairly
Hold deductibles, limits, and coverages constant when you compare offers. That shows true cost differences rather than plan design gaps.
- Use a quote find agent or call get quote to discuss unique needs, like umbrella limits or high‑value vehicles.
- Continue quote find with multiple carriers, then use car insurance tips and insurance tips resources articles to validate your choice.
Conclusion
Use this final step to match coverage options with your budget and driving needs. , Start with the required must 5-digits zip code to see localized rates and then compare liability, collision, and comprehensive limits side by side.
If you want help, call get quote at 1.866.218.0397 or work with a local agent to finish a quote. You can also start online and enter the required must 5-digits to view personalized pricing.
Bundle auto with home or renters to save money and consider extras like gap, extended transportation, non‑owner, or umbrella protection if your cars and assets need more coverage.
Decide, bind the policy that fits your budget, and drive with peace of mind.
FAQ
How do I compare Travelers insurance quote car rates online?
Start by entering your 5-digit ZIP code on the carrier’s website to pull local rates. Have each driver’s license number, vehicle information, and current coverage limits ready. Use the online comparison tool to view minimum liability versus full coverage prices and adjust deductibles or limits to see how premiums change.
What should I know about Travelers auto insurance at a glance?
Coverage typically includes liability, collision, and comprehensive protections along with optional add-ons like rental reimbursement and roadside assistance. Discounts and bundling options can lower costs. Review policy limits, deductibles, and state-required coverages before deciding.
How do average premiums differ between minimum and full coverage?
Minimum liability policies cost less up front but offer limited protection. Full coverage—liability plus collision and comprehensive—raises premiums but reduces out-of-pocket repair and replacement costs after an accident. Compare both to match your budget and vehicle value.
How do different driver profiles affect rates?
Rates vary by age, driving record, and life stage. Teens and new drivers pay the most, young adults see moderate reductions with good records, mature drivers often get lower prices, and older drivers may face increases depending on health and claims history.
How do tickets and DUIs impact my premium?
Moving violations and DUIs typically trigger significant rate hikes and can affect insurability for several years. Multiple infractions increase risk ratings and may reduce discount eligibility, raising long‑term costs.
What factors most affect cost: vehicle, driving, ZIP code, and coverage choices?
Vehicle age, model, and safety features influence premiums. Driving history and annual mileage matter. ZIP code affects theft, vandalism, and accident statistics used to set local rates. Coverage choices—limits, deductibles, and add‑ons—complete the pricing picture.
What are core protections in a policy?
Core protections include liability for bodily injury and property damage, collision for crash repairs, and comprehensive for noncollision losses like theft or weather damage. Each serves a different financial need after an incident.
Do I need gap coverage for a loan or lease vehicle?
Gap coverage covers the difference between your lender’s payoff amount and your vehicle’s actual cash value if totaled. It’s usually recommended for leased cars or financed vehicles with high depreciation.
What about rental car and extended transportation coverage?
Rental reimbursement helps with transportation costs while your vehicle is repaired after a covered loss. Extended transportation or loss of use coverage varies by policy and can be added to reduce inconvenience and expenses.
How do premiums, deductibles, and limits work?
Premiums are your periodic payment for coverage. Deductibles are what you pay out of pocket when filing a claim; higher deductibles lower premiums. Limits set the maximum the carrier pays for covered losses—higher limits raise costs but increase protection.
What about uninsured/underinsured and personal injury protection?
Uninsured/underinsured motorist coverage protects you if another at‑fault driver lacks adequate coverage. Personal injury protection (PIP) covers medical expenses and sometimes lost wages regardless of fault, required in some states.
What discounts and programs can lower my premium?
Common savings include safe driver, good student, multi‑policy bundling with home or renters, and early‑purchase discounts. Telematics programs track driving behavior for potential rewards. Availability and eligibility vary by state.
Does bundling home, condo, or renters with auto save money?
Yes. Bundling multiple policies under one carrier often yields multi‑policy discounts and simplifies billing. Compare total cost and coverage to ensure the bundle is the best financial decision.
How does the IntelliDrive telematics program affect rates?
Telematics programs monitor driving habits like speed, braking, and mileage. Safe driving behavior can qualify you for reduced premiums; risky patterns may limit savings. Opt‑in and privacy details differ by program.
Are discounts and programs available in every state?
No. Availability and specific discounts depend on state regulations and local underwriting. Always enter your 5‑digit ZIP code to get accurate offers for your area.
How do I get a travelers insurance quote car online?
Begin online by entering your ZIP code and basic driver and vehicle details. You can also call to get a quote or work with a local agent to review coverage options, discounts, and state requirements to complete the application.
Why is a 5-digit ZIP code required to start a quote?
The 5‑digit ZIP code determines state and local rates, available coverages, and applicable discounts. It ensures the quote reflects regional risk, statutory mandates, and pricing variations.
What information will I need to get an accurate quote?
Have each driver’s license number, vehicle identification numbers (VINs), current policy details, estimated annual mileage, and desired coverage limits and deductibles ready for the most precise estimate.
Can I complete the process online, by phone, or with an agent?
Yes. You can get a rate online, call to speak with a representative, or meet a local agent to compare options and finalize a policy. Choose the method that best fits your comfort and need for guidance.
What digital tools and services add value to a policy?
Mobile apps offer digital ID cards, bill pay, claims filing, and roadside assistance requests. Online account management simplifies policy changes, while connected apps can provide driving insights and discounts.
What are named non‑owner and umbrella policies?
A named non‑owner policy covers drivers who don’t own a vehicle but still need liability protection when driving borrowed cars. An umbrella policy offers extra liability limits above underlying policies for broader protection.
Where does this carrier shine and where might it be limited?
Strengths include robust discounts, bundling options, and digital tools. Limitations can include variable state availability and eligibility rules for specific savings programs. Always compare multiple offers to find the best fit.
How should I compare quotes fairly across insurers?
Compare identical coverage limits, deductibles, and optional coverages. Use the same ZIP code and driver information, and account for discounts and customer service factors like claims handling and financial strength.