- Nationwide vs. Travelers: Which one is the cheapest?
- Nationwide vs. Travelers: Rates by age group
- Nationwide vs. Travelers: Rates for high-risk drivers
- Nationwide vs. Travelers: Which is better rated?
- Nationwide vs. Travelers: Rates in your state
- Nationwide vs. Travelers: Which offers better discounts?
- Nationwide vs. Travelers: The bottom line
- Methodology
Nationwide vs. Travelers: Which one is the cheapest?
Travelers costs $518 per year, while Travelers costs $532 per year for state minimum coverage.
For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, Nationwide costs an average of $1,548. On the other hand, Travelers is more expensive, with an average cost of $1,606.
It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage | Average annual premium for liability-only (50/100/50) car insurance |
|---|---|---|---|
| Nationwide | $1,548 | $532 | $651 |
| Travelers | $1,606 | $518 | $646 |
Nationwide vs. Travelers: Rates by age group
Teen drivers pay the highest car insurance rates. Travelers offers the cheapest car insurance rates for teen drivers at $4,834 per year. On the other hand, Nationwide offers car insurance rates at an average of $5,285 annually.
Age plays a major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.
Adults pay an average of $1,533 with Nationwide, while Travelers charges an average of $1,615 for an adult. The table below lists the car insurance rates for different age groups for Nationwide and Travelers.
| Age group | Nationwide | Travelers |
|---|---|---|
| Teens | $5,285 | $4,834 |
| Young adults | $2,556 | $2,476 |
| Adults | $1,533 | $1,615 |
| Seniors | $1,456 | $1,590 |
Nationwide vs. Travelers: Rates for high-risk drivers
Travelers offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.
For drivers with a DUI, Travelers is more affordable, with an average rate of $2,998.
Check out the table below to see how Nationwide rates compare to Travelers rates for different driving violations.
| Type of violation | Nationwide | Travelers |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,537 | $2,463 |
| 1 At-fault property damage accident under $2K | $2,481 | $2,462 |
| At-fault bodily injury accident | $2,673 | $2,601 |
| Careless driving | $2,203 | $2,705 |
| DUI | $3,627 | $2,998 |
| Reckless driving | $3,221 | $2,829 |
| Speeding | $2,347 | $2,416 |
Nationwide vs. Travelers: Which is better rated?
Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how Nationwide and Travelers scored in the best car insurance companies of 2025.
Overall, Nationwide scored 4.33, while Travelers scored 4.62.
| Ratings | Travelers | Nationwide |
|---|---|---|
| NAIC | 0.49 | 0.64 |
| AM Best | A++ | A |
| Average annual premium | $1,584 | $1,548 |
| Average monthly premium | $132 | $129 |
| Customer Satisfaction | ||
| Insurance.com score |
Nationwide vs. Travelers: Rates in your state
Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for Nationwide and Travelers. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| State | Nationwide | Travelers |
|---|---|---|
| Alabama | $1,345 | $1,428 |
| Arizona | $1,726 | $1,489 |
| Arkansas | $1,503 | $1,442 |
| California | $2,799 | $2,460 |
| Connecticut | $1,766 | N/A |
| Delaware | $1,498 | $1,595 |
| Florida | $2,150 | $2,356 |
| Idaho | $1,505 | $1,263 |
| Illinois | N/A | $1,119 |
| Indiana | $1,309 | $1,264 |
| Iowa | N/A | $1,238 |
| Kansas | $1,316 | $1,601 |
| Kentucky | N/A | $1,804 |
| Maine | N/A | $853 |
| Maryland | $1,363 | $1,523 |
| Massachusetts | N/A | $2,274 |
| Michigan | N/A | $1,817 |
| Minnesota | $1,363 | $1,618 |
| Mississippi | $1,331 | $1,636 |
| Missouri | $1,361 | $1,515 |
| Montana | $1,394 | N/A |
| Nebraska | $1,216 | N/A |
| Nevada | N/A | $1,995 |
| New Hampshire | $1,145 | N/A |
| New Jersey | N/A | $1,706 |
| New Mexico | $1,806 | N/A |
| New York | N/A | $2,677 |
| North Carolina | $1,513 | N/A |
| North Dakota | $1,152 | N/A |
| Ohio | N/A | $1,336 |
| Oregon | $1,411 | $1,318 |
| Pennsylvania | $1,196 | $952 |
| Rhode Island | $1,911 | $1,946 |
| South Carolina | N/A | $1,949 |
| South Dakota | $1,526 | N/A |
| Tennessee | $1,632 | $1,395 |
| Texas | $1,502 | N/A |
| Utah | $1,135 | N/A |
| Vermont | $935 | N/A |
| Virginia | N/A | $1,169 |
| Washington | $1,658 | $1,503 |
| Washington, D.C. | $2,558 | N/A |
| West Virginia | $1,215 | N/A |
| Wisconsin | $1,287 | $1,089 |
Nationwide vs. Travelers: Which offers better discounts?
Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Nationwide and Travelers offer to their customers.
| Discounts | Nationwide | Travelers |
|---|---|---|
| Payment type | 9% | 7% |
| Telematics | 8% | N/A |
| Multi policy | 7% | 7% |
| Lower annual mileage | 12% | 7% |
| Marital status | 7% | 4% |
| Days advanced purchase | 7% | 6% |
| Homeowner | 5% | 6% |
| Daily commute | N/A | 5% |
| Loyalty | 4% | 0% |
| Paperless/electornic documents | 4% | N/A |
| Electronic funds transfer | 3% | 4% |
| Safety devices | 3% | 2% |
| Vehicle ownership | N/A | 3% |
| Air bags | 2% | 1% |
| Anti-theft device | 1% | 1% |
Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.
Nationwide vs. Travelers: The bottom line
Both Nationwide and Travelers are good insurance companies, but if getting the lowest rates is your priority, Nationwide might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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