- Travelers auto insurance: Overall verdict
- What auto insurance coverages does Travelers offer?
- How does Travelers insurance rank?
- How much is Travelers auto insurance?
- Travelers car insurance rates by state
- Travelers insurance rates for teens
- Travelers insurance rates for adults
- Travelers insurance rates for seniors
- Travelers insurance rates for drivers with tickets, accidents and poor credit
- Travelers insurance discounts and ways to save
- What do people ask about Travelers insurance?
- Resources & Methodology
Travelers auto insurance: Overall verdict
Travelers' ratings at a glance:
- Customer satisfaction: 89% satisfaction
- Claims handling: 82% satisfaction
- Recommended to others: 86%
- Trustworthiness: 93%
- Average monthly full coverage rate: $175
Travelers is an excellent pick if:
- You’re looking for a balance of low rates and top-notch service
- A big, financially stable company is important to you
- You want a lot of policy options and discounts
Travelers scored well across most survey areas, including claims handling, customer satisfaction, and policy offerings.
A No. 1 ranking in our Best Car Insurance Companies of 2026 list makes it a company well worth checking out for most drivers.
What auto insurance coverages does Travelers offer?
Travelers offers a full range of car insurance policies to meet most drivers’ needs, and can also bundle your home insurance and other policies.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Loan/lease gap
- Rental reimbursement
- Roadside assistance
- New car replacement
- Accident forgiveness
- Rideshare coverage
How does Travelers insurance rank?
Travelers is our No. 1 choice for auto insurance in 2026, thanks to affordable rates, a good track record with the NAIC and superior financial stability. It earned high scores from real customers in our annual survey, where customers particularly praised the company’s policy offerings.
Here's a look at how it compares to other national carriers.
| Company | AM Best | Customer satisfaction | NAIC** | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Travelers | A++ | 89% | 0.625 | $175 | 4.55 |
| GEICO | A++ | 83% | 0.603 | $179 | 4.5 |
| Nationwide | A | 88% | 0.636 | $205 | 4.19 |
| Progressive | A+ | 78% | 0.604 | $223 | 4.05 |
| Amica | A+ | 77% | 0.588 | $231 | 4.02 |
| State Farm | A+ | 84% | 0.869 | $239 | 3.91 |
| Allstate | A+ | 83% | 1.2 | $267 | 3.57 |
| Farmers | A | 84% | 1.239 | $257 | 3.52 |
| USAA* | A++ | 90% | 1.164 | $131 | 4.53 |
*USAA is only available to military members, veterans and their families, and as a result is not ranked.
**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Travelers auto insurance?
Travelers has the lowest rates of all national carriers in our survey, averaging $175 a month. Only USAA is cheaper, but it isn’t open to everyone.
The average full coverage rate for a 40-year-old driver is $209 per month.
Here is a comparison of rates with Travelers’ national competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Travelers | $2,103 | $175 |
| Allstate | $3,205 | $267 |
| Amica | $2,767 | $231 |
| Farmers | $3,085 | $257 |
| GEICO | $2,148 | $179 |
| Nationwide | $2,463 | $205 |
| Progressive | $2,675 | $223 |
| State Farm | $2,874 | $239 |
| USAA | $1,572 | $131 |
Travelers car insurance rates by state
Drivers in New York and California pay some of the highest rates for Travelers auto insurance, while those in Maine and Virginia will get some of the best deals.
Car insurance rates by state vary. Some states have considerably higher insurance rates because of frequent hail events, flooding, higher litigation costs and other factors.
Here’s a sample of rates from selected states for a 40-year-old driver.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Alabama | $524 | $673 | $1,677 |
| Arkansas | $447 | $557 | $1,680 |
| Arizona | $517 | $693 | $1,707 |
| California | $1,035 | $1,283 | $3,604 |
| Florida | $784 | $1,218 | $2,520 |
| Iowa | $321 | $381 | $1,449 |
| Idaho | $407 | $507 | $1,756 |
| Illinois | $574 | $622 | $1,455 |
| Indiana | $370 | $442 | $1,475 |
| Kansas | $399 | $424 | $1,844 |
| Kentucky | $541 | $645 | $1,813 |
| Massachusetts | $897 | $1,115 | $2,962 |
| Maryland | $700 | $773 | $1,957 |
| Maine | $328 | $329 | $964 |
| Michigan | $368 | $383 | $2,182 |
| Minnesota | $575 | $601 | $1,776 |
| Missouri | $450 | $517 | $1,687 |
| Mississippi | $489 | $680 | $1,885 |
| New Jersey | $1,512 | $1,591 | $2,579 |
| Nevada | $739 | $1,108 | $2,222 |
| New York | $2,062 | $2,153 | $4,010 |
| Ohio | $583 | $683 | $2,353 |
| Oregon | $716 | $763 | $1,657 |
| Pennsylvania | $340 | $481 | $1,423 |
| Rhode Island | $567 | $839 | $2,141 |
| South Carolina | $790 | $1,096 | $2,342 |
| Tennessee | $397 | $494 | $1,657 |
| Virginia | $386 | $391 | $1,213 |
| Washington | $522 | $880 | $2,164 |
| Wisconsin | $344 | $396 | $1,284 |
Travelers insurance rates for teens
The average cost of teen car insurance with Travelers is $6,417 a year. As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Travelers.
Here’s a comparison of the rates a teenage driver can expect to pay annually with Travelers versus those for older drivers.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Travelers | $6,417 | $3,270 | $2,103 |
| Allstate | $9,895 | $4,811 | $3,205 |
| Amica | $9,594 | $4,704 | $2,767 |
| Farmers | $11,628 | $4,595 | $3,085 |
| GEICO | $6,112 | $3,186 | $2,148 |
| Nationwide | $7,821 | $3,824 | $2,463 |
| Progressive | $10,196 | $4,372 | $2,675 |
| State Farm | $7,922 | $4,624 | $2,874 |
| USAA | $5,267 | $2,492 | $1,572 |
Travelers insurance rates for adults
Travelers rates average $2,459 a year for a male and $2,387 a year for a female at age 25. At age 40, those rates go down to $2,125 a year for a male and $2,081 a year for a female.
Rates drop from there, then sneak back up a bit for senior drivers.
Here’s what adults can expect to pay annually for full coverage car insurance with Travelers at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $2,459 | $2,387 |
| 30 | $2,317 | $2,251 |
| 35 | $2,255 | $2,205 |
| 40 | $2,125 | $2,081 |
| 45 | $2,095 | $2,046 |
| 50 | $2,040 | $1,987 |
| 55 | $1,897 | $1,839 |
| 60 | $1,903 | $1,832 |
Travelers insurance rates for seniors
The average cost of a Travelers policy at age 65 is $1,969 a year for a male and $1,882 for a female. Rates generally begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.
Here’s what a senior driver can expect to pay annually with Travelers at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $1,969 | $1,882 |
| 70 | $2,110 | $1,982 |
| 75 | $2,344 | $2,179 |
Travelers insurance rates for drivers with tickets, accidents and poor credit
Travelers raises car insurance rates the most for drivers with poor credit, about 46% higher than for drivers with a clean driving record.
Insurance companies are very good at crunching numbers and have extensive risk profiles of drivers at every age, stage of life, and gender.
Because it increases the risk of a claim, insurance companies look at things like whether you have any speeding tickets on record or at-fault accidents. Those with a generally poor driving record can expect to see the sharpest premium increases. Poor credit is also associated with a higher risk of claims, so insurers charge higher rates.
Travelers insurance discounts and ways to save
Aside from shopping around, one of the best ways to lower your insurance premiums is to see if you are eligible for discounts.
Insurers offer a wide range of discounts for things like bundling insurance policies with the same carrier, installing safety devices in your vehicle, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.
The discounts can range from 5% up to as much as 30%. Sometimes you can qualify for multiple discounts.
Travelers offers a good selection of auto insurance discounts to clients including the following:
- Multi-policy
- Multi-car
- Homeownership
- Safe driver
- Continuous insurance discount
- Hybrid/electric car discount
- New car discount
- EFT/good payer/pay in full discount
- Early quote
- Good student
- Student away at school
- Driver training course
What do people ask about Travelers insurance?
Why did my Travelers rate go up?
Car insurance rates go up for a lot of reasons. Sometimes it’s related to the driver, like a ticket or accident, but it may simply be an across-the-board rate increase. Car insurance rates have increased nationwide recently in response to higher claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs related to issues like increased cost of parts and labor and increased incidences of severe weather. If you don’t know why your rate went up, contact Travelers to ask.
Is Travelers good at paying claims?
Travelers has an A++ rating with AM Best, which indicates its financial ability to pay claims. However, based on a consumer survey, J.D. Power rated it a little below average for claims satisfaction. Of course, there are many aspects to claims satisfaction, and the lower rating doesn’t mean the company doesn’t pay claims but may reflect the claims process more than the outcome.
Is Travelers a good insurance company?
Travelers has a low complaint volume with the NAIC, among the lowest of the companies we surveyed, and a strong customer satisfaction record. Many clients speak favorably of their experiences with Travelers.
Not all comments are favorable, of course, so it can be highly dependent on your individual experience.
Resources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Source
Travelers. “Car insurance discounts.” Accessed March 2026.
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