Nationwide vs. Travelers: Which offers the cheapest auto insurance rates?

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

For a teen — one of the most expensive age groups to insure — Travelers has the cheapest rates, coming in at $4,834 per year. Nationwide costs an average of $5,285 for a teen driver.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,533 a year at Nationwide, while car insurance for adults at Travelers costs $1,615 per year.

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?

When choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how Nationwide and Travelers scored among the best car insurance companies of 2025.

Overall, Nationwide earned a score of 4.33, while Travelers received a score of 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	4.0	4.1
Insurance.com score	4.6	4.3

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 solid insurance companies, but if rates are what matter most to you, Nationwide may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

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: