Could one insurer really cut your annual auto cost by more than 20%?
Travelers tops 2025 lists for auto insurance, offering average minimum plans near $57 per month and full coverage around $161 monthly — roughly 21% below national averages. That track record, plus an AM Best A++ rating and 160+ years in business, makes them worth a close look.
We will break down core coverage, add-ons like Premier New Car Replacement for up to five years, accident forgiveness, and the IntelliDrive telematics program that can yield up to 30% renewal savings (mileage limits apply).
Expect a clear comparison of rates, claims experiences (many settled in one to two weeks), and customer service notes so you can judge value and cost. If you live in AK, HI, LA, MI, ND, SD, WV, or WY, note that Travelers doesn’t operate there.
Ready to compare rates now? Start with a side‑by‑side look at top providers and find discounts that fit your policy — or visit a trusted comparison of top insurers for more context: best car insurance companies.
Key Takeaways
- Travelers at a Glance: Why This Insurer Tops 2025 Auto Rankings
- Current Pricing Snapshot: What Drivers Pay for Travelers Auto Coverage
- Coverage Options and Add‑Ons That Set Travelers Apart
- Discounts That Can Lower Your Insurance Cost
- IntelliDrive and the MyTravelers Mobile App: Tech to Save and Simplify
- How to Get traveler car insurance quotes Today
- Availability, Eligibility, and Where Travelers Is Not Offered
- Claims Experience and Customer Service Performance
- How Travelers Compares: Rates, Bundles, and Value Against Competitors
- Policy Management Essentials: Cancellations, Non‑Owner, and Multi‑Policy
- Conclusion
- FAQ
- FAQ
- Travelers ranks #1 in 2025 with below‑average pricing for many drivers.
- Strong financial strength (AM Best A++) supports reliable claim payments.
- Premier New Car Replacement and accident forgiveness add clear value.
- IntelliDrive telematics can lower renewal rates, subject to mileage limits.
- Claims are often resolved in one to two weeks, though regional service varies.
- Not available in AK, HI, LA, MI, ND, SD, WV, or WY — check availability first.
- Gather basic driver and vehicle details to get accurate rate comparisons now.
Travelers at a Glance: Why This Insurer Tops 2025 Auto Rankings
A legacy insurer from 1864, Travelers backs its policies with AM Best’s A++ rating and a broad set of coverage options. This history signals long-term stability and strong claims‑paying capacity for drivers nationwide.
Independent 2025 reviews placed the company as “Best for Most Drivers,” citing excellent value, wide availability, and competitive pricing. Its position in the top 10 by market share helps sustain robust claims networks and responsive customer service resources.
What stands out
- Financial strength: AM Best A++ supports confidence in claim payments and continuity.
- Coverage breadth: Core protections plus add-ons like Premier New Car Replacement, gap, and accident forgiveness.
- Scale and service: Large market share means better adjuster access and regional claims staffing.
Note: Auto policies are often among the cheapest nationally, while home rates and bundles can cost more. Regional customer service scores vary, with stronger marks in New York, so local experience may differ.
Next step: Move to pricing and discount details to see how these rankings could lower your policy costs.
Current Pricing Snapshot: What Drivers Pay for Travelers Auto Coverage
This snapshot translates current market data into clear monthly and annual costs so you can gauge affordability fast.
Average costs: MarketWatch shows about $57 per month for minimum coverage and roughly $161 per month for full coverage. That full plan translates to about $1,630 per year in another study, while minimum coverage averages near $530 annually.
Age and risk trends
Rates vary widely by age. Teens face the highest average—about $3,946 per year—while young adults average near $1,637. Middle‑aged drivers often see about $2,133, and older drivers drop to roughly $1,130 annually.
High‑risk categories
Drivers with recent incidents often pay less here than nationally. Post‑accident averages run about $82 per month (vs. $98 nationally). DUI and speeding ticket averages also trend lower, near $92 and $72 per month respectively.
Geography and what full coverage includes
State differences matter: Iowa, Wisconsin, Pennsylvania, and Virginia tend to be cheaper; New York, California, and South Carolina are pricier markets.
Full coverage typically bundles liability, collision, comprehensive, and often PIP/MedPay plus UM/UIM. Personalized quotes will vary with vehicle type, ZIP code, driving history, credit where allowed, and chosen deductibles and limits.
- Translate monthly/annual figures when comparing plans.
- Get multiple quotes the same day to isolate true rate differences.
- Adjust deductibles and confirm required coverages for financed vehicles.
For a detailed look at what full protection covers and how costs stack up, see our full coverage guide. Discounts and telematics can lower premiums at renewal; we’ll cover those next.
Coverage Options and Add‑Ons That Set Travelers Apart
Know which coverages form the backbone of a smart auto policy and which extras can protect your wallet after a loss.
Core protections include bodily injury and property damage liability, collision, comprehensive, and medical payments or PIP.
These cover the most common claim scenarios: liability pays other people’s losses, collision fixes your vehicle after a crash, and comprehensive handles theft or weather damage.
Premier New Car Replacement
Travelers offers Premier New Car Replacement that can replace a totaled vehicle with a brand‑new model if the loss occurs within the first five years of ownership.
This extends protection beyond many competitors and suits owners of new-model autos.
Gap, Accident Forgiveness, and Roadside
Gap coverage helps drivers with loans or leases by covering the difference between loan balance and actual cash value.
Accident forgiveness is available through the Responsible Driver Plan; the Premier Responsible Driver Plan adds a decreasing deductible and a total deductible loss waiver if the vehicle is totaled after a covered accident.
Roadside tiers range from basic jump starts and local towing to Premier Roadside Assistance with towing up to 100 miles, trip interruption, and up to $500 personal property coverage.
Rental reimbursement helps you stay mobile while a covered repair is underway.
Umbrella and Non‑Owner Options
An umbrella policy adds liability layers (commonly $1M–$10M) that sit above your auto limits.
Non‑owner coverage protects someone who frequently rents or borrows vehicles, and limited rideshare options may bridge gaps for drivers who work for a TNC, subject to state rules.
Tip: Tailor coverages to vehicle age, loan status, and how often you drive to balance cost and protection.
Discounts That Can Lower Your Insurance Cost
Smart shoppers use a mix of driving, payment, and household discounts to lower costs. Travelers offers 14 discount types, which is above the industry average. That mix can make a real difference on your renewal.
Stackable savings to pursue:
- Safe driver (varies by state, often up to 30%; not available in CA or NY).
- Continuous coverage (up to 15%) and good payer (about 15%).
- Early quote (3%–10% in most states) and paid‑in‑full (≈7.5%).
Bundle and household discounts
Combine home and auto to lower the policy cost. Multicar and homeownership credits reward households that insure several vehicles or own a residence.
Driver and vehicle credits
- New car (under three years) and hybrid/electric vehicles.
- Good student and student‑away (typically 100+ miles) and driver training completion.
Telematics option: IntelliDrive can deliver up to 30% renewal savings for drivers under 13,000 miles per year. Availability excludes CA, NY, WA, and MD in many cases.
“Document report cards, certificates, proof of ownership, and VINs to speed verification and qualify discount faster.”
Discounts vary by state and underwriting rules, so get a personalized estimate and revisit savings at each renewal. For tips on how to apply these reductions, see how to lower car insurance costs.
IntelliDrive and the MyTravelers Mobile App: Tech to Save and Simplify
A 90-day driving review plus a feature-rich mobile app combine to make policy management faster and potentially cheaper.
How IntelliDrive works: The program runs for 90 days via the MyTravelers app and records speeding, phone use, acceleration, braking, and time of day. Safe driving within 13,000 miles per year can earn up to 30% off at renewal, though availability and limits vary by state.
MyTravelers app essentials include digital ID cards, bill pay, policy updates, roadside assistance tracking, and in-app claims filing and status checks. Weekday chat support helps reduce hold times and paperwork.
User feedback is strong on iOS (4.7/5) but mixed on Android (2.6/5), where some customers report payment and performance issues. Expect different experiences across platforms.
- Keep acceleration and braking smooth and avoid phone use while driving.
- Limit late-night trips to improve telematics scores.
- Check program terms for data use and any temporary rate changes on enrollment.
“App tools can speed proof-of-coverage requests, streamline claims intake, and cut phone time during a stressful loss.”
Tip: Drivers with newer vehicles or those using Premier New Car Replacement for up to five years may find telematics and digital claims tools especially helpful. Always update the mobile app and permit required tracking for accurate results.
How to Get traveler car insurance quotes Today
Collecting vehicle and driver facts first makes comparing policy offers simple and reliable.
Fast path: enter your ZIP code, compare rates, and lock in discounts
Start by entering your zip code to pull local offers. Then add driver and vehicle details to see side-by-side rates from top companies.
Quote tips: list vehicles/drivers, mileage, claims history, and coverage limits
Gather the VINs, annual mileage, driver license numbers, and any lienholder info before you begin.
- Copy your current insurance policy declarations to match liability, collision, and comprehensive limits.
- Disclose recent claims and violations accurately to avoid later premium adjustments.
- Select deductibles that fit your budget and add likely discounts—multicar, multi-policy, good student, or hybrid credits.
- Consider optional add-ons such as gap, accident forgiveness, rental reimbursement, and Premier New Car Replacement if you have a loan or lease.
| Step | What to Enter | Why it Matters |
|---|---|---|
| 1. ZIP code | Your postal code | Local rates and availability vary by state and ZIP code |
| 2. Vehicle info | VIN, year, model, mileage | Accurate vehicle details produce precise insurance rates |
| 3. Driver history | License numbers, claims, violations | Underwriting uses this to set premiums and discounts |
| 4. Coverage choices | Limits, deductibles, add-ons | Match policies for an apples-to-apples cost comparison |
Note: Travelers is not offered in AK, HI, LA, MI, ND, SD, WV, or WY. If you live there, use the same checklist to compare other carriers.
Run a quote with Travelers now to capture early-quote discounts and telematics savings while shopping rates.
Availability, Eligibility, and Where Travelers Is Not Offered
Before you request a price or pick limits, confirm state availability to avoid surprises.
Where it’s sold: The company offers personal auto insurance in 42 states and the District of Columbia. It does not write personal auto policies in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, or Wyoming.
State exceptions and program limits
Programs like IntelliDrive, accident forgiveness, and some discounts depend on state rules. That means quoted savings and available coverage can change by ZIP code.
Non-owner liability, umbrella options, and bundling with home policies may also vary. If you move, re-quote right away: premiums, minimum limits, and discounts often shift after a state change.
- Verify PIP/MedPay and uninsured motorist rules in your state.
- Ask about local claim networks and preferred repair shops.
- Contact a local Travelers agent or use online tools to confirm city-level service.
| Topic | What to check | Why it matters |
|---|---|---|
| State availability | Is your state served? | Determines if you can buy a policy from this company |
| Program eligibility | IntelliDrive, discounts, non-owner | Impacts potential savings and coverage options |
| Bundling | Home + auto options | May change total premium and convenience |
“If the company isn’t offered where you live, use this checklist to compare other insurance companies and match coverage needs.”
Claims Experience and Customer Service Performance
Fast, clear claims handling matters most after an accident. Travelers’ claims data and customer feedback show timely processing and helpful adjusters for many policyholders.
Speed and satisfaction
Survey results indicate most auto insurance claims are approved within one to two weeks for straightforward losses. That timeline aligns with industry norms and helps customers get repairs started quickly.
Service quality and scores
Policyholders often report professional, clear interactions with adjusters. In 2025 surveys, 76% of customers said they were satisfied and 82% would recommend the company.
J.D. Power scores vary by region and fall below average in several areas, though performance is notably stronger in New York.
Digital tools and practical tips
The MyTravelers mobile app supports first notice of loss, status tracking, and access to the MyTravelers Repair Network. Insurer payments may go by direct deposit or, in some cases, PayPal; network shops can be paid directly.
- Document photos, date/time, and contact details at FNOL.
- Review coverage limits, deductibles, and rental benefits before filing.
- Expect longer timelines for complex claims or parts delays; stay in regular contact with your adjuster.
“Using preferred repair facilities and responding promptly to information requests can shorten claim cycles.”
How Travelers Compares: Rates, Bundles, and Value Against Competitors
Many shoppers find that auto pricing and home premiums tell two different value stories for the same company.
Auto strength:
Auto: among the cheapest for minimum and full coverage nationally
MarketWatch ranks this company #1 overall for auto in 2025. It is frequently among the least expensive for both minimum liability and full coverage plans. That makes its auto insurance a strong value for drivers focused on monthly cost and robust add-ons.
Bundles and home: higher‑than‑average premiums versus rivals
Home averages run near $4,566 annually for a $350,000 dwelling with a $1,000 deductible—about 56% above the national average. Typical full coverage bundle examples can hit roughly $6,561 per year, which may cost more than offerings from State Farm or Allstate in some markets.
- Why keep auto here: Premier New Car Replacement, accident forgiveness, rental coverage, and telematics savings improve auto value.
- Bundle test: Always compare bundled versus separate policies—regional dwelling factors change the math.
- Financial strength: AM Best A++ supports long‑term claim payment reliability versus smaller companies.
| Area | Travelers strength | Consider |
|---|---|---|
| Auto rates | Top-ranked for full coverage; very competitive | Run same-day comparisons with identical limits |
| Home premiums | Above national average | Bundling may raise total cost |
| Add-ons & discounts | Rich options and telematics savings | Can offset higher home premiums for some buyers |
“For many households, Travelers is an excellent auto-only pick; confirm bundle math before moving home coverage.”
Policy Management Essentials: Cancellations, Non‑Owner, and Multi‑Policy
Managing a policy means making timely changes to protect coverage and avoid gaps.
Cancellations: Travelers charges no early cancellation fee. Cancel by calling 1‑800‑842‑5075, visiting a local agent, or mailing a written request to Travelers, P.O. Box 5600, Hartford, CT 06102. Include your name, policy number, and desired end date.
Time cancellations to match a new policy start date to avoid gaps and possible state penalties. Keep proof of the new policy on hand when you cancel.
Non‑owner coverage: Named non‑owner liability is ideal for frequent renters, borrowers, or those using car‑share services who lack a vehicle of their own. It covers liability but usually excludes physical damage to the vehicle driven.
Pair non‑owner policies with rental contract protections or credit card coverage when possible to cover damage or loss.
Multi‑policy and mid‑term changes: Bundle auto with home, renters, umbrella, or valuables to access discounts, but compare bundle totals to standalone costs first.
| Action | How to Do It | Why It Matters |
|---|---|---|
| Cancel policy | Phone, agent, or mailed request (include name, policy #, end date) | Stops coverage; avoid gaps by aligning new policy start |
| Add/remove vehicle or driver | MyTravelers app or agent | Keeps coverage current and avoids denied claims |
| Switch payment | Pay in full or EFT | May reduce fees and activate discounts |
“Keep digital ID cards current in the app and review your policy after major life events to maintain proper coverage.”
Conclusion
Conclusion
To conclude, Travelers blends low average premiums with meaningful coverage extras that matter after a loss.
Travelers pairs competitive auto rates and AM Best A++ strength with standout options like Premier New Car Replacement for the first five years, accident forgiveness, gap, and tiered roadside help.
IntelliDrive telematics and a broad discount menu can help you save up to 30% at renewal. Auto claims often resolve in one to two weeks, though regional service scores vary.
Run a ZIP code check, compare identical limits across companies, and confirm state availability before bundling. Gather driver and vehicle details, choose liability, collision, comprehensive, and rental add-ons if needed, then lock in a quote to capture current rates.
Ready to compare? Start with your ZIP code and use the mobile app tools to save money and streamline claims.
FAQ
What factors most influence my Travelers car insurance rate?
Your rate depends on driving record, age, ZIP code, vehicle make and model, annual mileage, coverage limits, and prior claims. Discounts, bundling a home policy, and telematics programs like IntelliDrive can also reduce premiums.
How much does full coverage typically cost with Travelers?
National averages put full coverage near 1 per month, with some studies showing an annual benchmark around
FAQ
What factors most influence my Travelers car insurance rate?
Your rate depends on driving record, age, ZIP code, vehicle make and model, annual mileage, coverage limits, and prior claims. Discounts, bundling a home policy, and telematics programs like IntelliDrive can also reduce premiums.
How much does full coverage typically cost with Travelers?
National averages put full coverage near $161 per month, with some studies showing an annual benchmark around $1,630. Your actual cost will vary by state, driving history, and selected endorsements such as new car replacement or gap protection.
Which discounts should I ask about to save money?
Key discounts include safe-driver, continuous-coverage, multi-policy bundling, multi-vehicle, paid-in-full, electronic funds transfer, good-student, and new-vehicle or hybrid/electric savings. IntelliDrive telematics may offer up to 30% renewal savings for low-mile drivers.
What coverage options are available beyond basic liability?
Options include collision, comprehensive, uninsured/underinsured motorist, personal injury protection or MedPay, rental reimbursement, roadside assistance, accident forgiveness, new car replacement (up to five years), and umbrella liability for extra limits.
How does the IntelliDrive program work and will it affect my renewal?
IntelliDrive uses mileage and driving behavior data to tailor pricing. If you drive safely and stay below mileage thresholds, you may see renewal savings. Enrollment is optional and requires app or device participation.
Can I manage my policy and file claims through a mobile app?
Yes. The MyTravelers app provides digital ID cards, billing, roadside assistance, and claim filing/tracking. Reviews are strong on iOS and mixed on Android, but core functions are widely available.
What should I have ready when I get a quote online?
Prepare vehicle VINs and year/make/model, driver license numbers and birthdates, estimated annual mileage, prior-claims history, current policy details if applicable, and your ZIP code to find state-specific rates and discounts.
Is Travelers available in my state?
Travelers operates in most states but is not offered in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, and Wyoming. Availability can vary for specific products, so enter your ZIP code for confirmation.
How long does an auto claim typically take to resolve?
Simple claims often see approvals within one to two weeks, with adjusters coordinating repairs and payments. Complex cases may take longer; good documentation and prompt communication speed the process.
Will adding a new driver or new vehicle raise my premium?
Adding a high-risk driver or a high-value vehicle usually increases premiums. However, adding a safer, experienced driver or enrolling the vehicle in safety-feature discounts can offset some cost increases.
What is the New Car Replacement benefit and who qualifies?
New Car Replacement covers the cost to replace a totaled new vehicle with a comparable model, typically for up to five years from purchase. Qualifications often require the vehicle to be financed or meet mileage/age limits—check policy specifics.
Does Travelers offer non-owner liability coverage?
Yes. Non-owner liability helps drivers who rent or borrow vehicles frequently and need liability protection without an owned-vehicle policy. It’s useful for rideshare drivers who don’t have a personal vehicle on the policy.
How do Travelers rates compare to other major carriers?
Travelers often ranks among the more affordable options for minimum and full-coverage auto policies nationally, though bundled home and auto premiums can be higher than some competitors. Comparing quotes by ZIP code gives the clearest picture.
Are there penalties for cancelling a policy early?
Travelers generally does not charge an early cancellation fee. You can cancel by phone, through an agent, or via mail, but check for any prorated refunds or outstanding balances.
Will a DUI, accident, or speeding ticket make my premiums unaffordable?
A serious violation raises rates, but increases vary. Some high-risk drivers still find competitive pricing with Travelers, especially after a few years of clean driving or by using discounts and telematics to rebuild savings.
How can I get the best quote quickly?
Enter your ZIP code, gather vehicle and driver details, apply eligible discounts, and compare coverage limits. Locking in multi-policy or paid-in-full discounts up front will produce a faster, more accurate rate.
,630. Your actual cost will vary by state, driving history, and selected endorsements such as new car replacement or gap protection.
Which discounts should I ask about to save money?
Key discounts include safe-driver, continuous-coverage, multi-policy bundling, multi-vehicle, paid-in-full, electronic funds transfer, good-student, and new-vehicle or hybrid/electric savings. IntelliDrive telematics may offer up to 30% renewal savings for low-mile drivers.
What coverage options are available beyond basic liability?
Options include collision, comprehensive, uninsured/underinsured motorist, personal injury protection or MedPay, rental reimbursement, roadside assistance, accident forgiveness, new car replacement (up to five years), and umbrella liability for extra limits.
How does the IntelliDrive program work and will it affect my renewal?
IntelliDrive uses mileage and driving behavior data to tailor pricing. If you drive safely and stay below mileage thresholds, you may see renewal savings. Enrollment is optional and requires app or device participation.
Can I manage my policy and file claims through a mobile app?
Yes. The MyTravelers app provides digital ID cards, billing, roadside assistance, and claim filing/tracking. Reviews are strong on iOS and mixed on Android, but core functions are widely available.
What should I have ready when I get a quote online?
Prepare vehicle VINs and year/make/model, driver license numbers and birthdates, estimated annual mileage, prior-claims history, current policy details if applicable, and your ZIP code to find state-specific rates and discounts.
Is Travelers available in my state?
Travelers operates in most states but is not offered in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, and Wyoming. Availability can vary for specific products, so enter your ZIP code for confirmation.
How long does an auto claim typically take to resolve?
Simple claims often see approvals within one to two weeks, with adjusters coordinating repairs and payments. Complex cases may take longer; good documentation and prompt communication speed the process.
Will adding a new driver or new vehicle raise my premium?
Adding a high-risk driver or a high-value vehicle usually increases premiums. However, adding a safer, experienced driver or enrolling the vehicle in safety-feature discounts can offset some cost increases.
What is the New Car Replacement benefit and who qualifies?
New Car Replacement covers the cost to replace a totaled new vehicle with a comparable model, typically for up to five years from purchase. Qualifications often require the vehicle to be financed or meet mileage/age limits—check policy specifics.
Does Travelers offer non-owner liability coverage?
Yes. Non-owner liability helps drivers who rent or borrow vehicles frequently and need liability protection without an owned-vehicle policy. It’s useful for rideshare drivers who don’t have a personal vehicle on the policy.
How do Travelers rates compare to other major carriers?
Travelers often ranks among the more affordable options for minimum and full-coverage auto policies nationally, though bundled home and auto premiums can be higher than some competitors. Comparing quotes by ZIP code gives the clearest picture.
Are there penalties for cancelling a policy early?
Travelers generally does not charge an early cancellation fee. You can cancel by phone, through an agent, or via mail, but check for any prorated refunds or outstanding balances.
Will a DUI, accident, or speeding ticket make my premiums unaffordable?
A serious violation raises rates, but increases vary. Some high-risk drivers still find competitive pricing with Travelers, especially after a few years of clean driving or by using discounts and telematics to rebuild savings.
How can I get the best quote quickly?
Enter your ZIP code, gather vehicle and driver details, apply eligible discounts, and compare coverage limits. Locking in multi-policy or paid-in-full discounts up front will produce a faster, more accurate rate.