Last updated: March 31, 2026
Travelers Car Insurance Pricing 2026
On average, a full coverage policy from Travelers is $1,837 annually ($153 monthly) and a minimum coverage policy is $684 annually ($57 monthly).
Editor's Rating:
4.1/5
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Travelers is a trusted name in the auto insurance world, and that’s no surprise, since it’s been in business for more than 165 years. It offers a range of auto insurance coverage with policies customized to fit customer needs. Here, we’ll explain what you can expect to pay for auto coverage with Travelers, the company’s discounts and programs, and an overview of its history in the auto insurance industry.
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Travelers Car Insurance Cost
The average annual premium for full coverage at Travelers costs about $1,837. Keep in mind that many factors determine what you will pay for your premium, so you may pay less or more than the average. Here are the average premium costs for several situations:
| Policy type | Travelers average cost per year | Travelers average cost per month |
|---|---|---|
| Full coverage | $1,837 | $153 |
| Minimum coverage | $684 | $57 |
| Teen drivers | $4,520 | $377 |
| Seniors | $1,660 | $138 |
| With a speeding ticket | $2,204 | $184 |
| With an at-fault accident | $3,521 | $293 |
| With a DUI | $3,643 | $304 |
| With low credit | $3,016 | $251 |
NOTE:
If you have a teenager under your premium, expect even higher prices. The national average auto cost to insure a teenager is $6,054 per year.
Save Money With Travelers Discounts
| Discount type | Qualifications |
|---|---|
| Safe driver | You must have a clean driving record with no accidents, major claims, or violations for the past three to five years. Some states may require additional prerequisites like no risky driving habits. |
| Multipolicy | You need to have a bundle of policies, e.g., purchase homeowners insurance along with auto and umbrella, boat, or valuable items insurance. |
| Continuous insurance | To qualify, customers must have Travelers/car insurance with no gaps in their coverage. |
| Multicar | You must have coverage with Travelers Insurance and have a minimum of two cars in your household that need coverage. |
| New car | You need to have a brand new car that is less than three years old to qualify. |
| Hybrid/electric vehicle | This discount is available for Travelers customers who own or lease a hybrid vehicle. |
| Good student | Policyholders with drivers enrolled in high school or college full time who hold a B grade average or higher can save on insurance. |
| Driver training | This discount is available for drivers, especially young drivers, who complete an approved driver education course. |
| Student away at school | Save if you are an individual with a driver on their policy who currently attends school more than 100 miles away and will not be driving any of the cars on the policy. |
| Homeownership | If you are a home or condo owner, you qualify for a discount regardless of whether or not your home is insured with Travelers. |
| Early quote | Get a quote with Travelers before your current auto insurance policy expires and save. |
| Paid in full | Pay your premium in full upfront to receive a discount. |
| Good payer | You need to have a good history of payments (no late payment fees) within the last 12 months. |
| Electronic Funds Transfer (EFT) | Show proof of enrollment in auto-pay. |
| Intellidrive program | You can enroll in this 90-day program by enabling the MyTravelers mobile app that tracks your driving habits. This app scores you based on speed, the time of day you drive, whether you call or text, and how you accelerate and brake. To qualify for this discount, you must drive within 13,000 miles per year. |
| Affinity program | To receive this discount, you must be a part of a participating association, business, or credit union. |
FYI:
Discount rates may vary by state and other factors, so it’s best you call a Travelers agent for the most accurate discount quote.
Favorite Features
Named Non-Owner Coverage
If you drive frequently but do not own a car, Travelers offers liability coverage to protect you financially in the event of an accident. Non-owner car insurance is right for you if any of the following statements are true:
- You use car-sharing services.
- You borrow vehicles from others.
- You rent vehicles frequently.
Paperless/Automatic Billing
Never risk a late payment again when you sign up for paperless and automatic billing. This feature sends you a digital reminder that a payment is due.
Umbrella Insurance
Umbrella insurance goes beyond basic liability coverage. If you are in an auto accident that requires financial protection beyond the standard coverage, Travelers umbrella insurance can provide the following:
- Legal defense or lawsuit costs
- Coverage of $1 million to $5 million to protect your assets
- Coverage for claims that deal with defamation, libel, or slander
- Coverage for the high cost of medical bills or attorney fees
- Liabilities outside the U.S.1
Travelers Mobile App
Mobile apps make life easier by saying goodbye to long waiting times on the phone. With the Travelers mobile app, you can accomplish the following tasks:
- Pay your bill.
- Edit policy features.
- Track roadside assistance when you most need it.
- View and download your auto insurance identification cards.
- File a claim and check its status.
Multipolicy Offerings
Travelers insurance coverage includes, but is not limited to, the following:
- Boat and yacht
- Business
- Commercial auto and trucking
- Cyber
- Flood
- Homeowners
- Jewelry and valuable items
- Landlord
- Motorcycle
- Pet
- Property
- Renters
- Travel
- Weddings and events
What States Offer Travelers Insurance?
Travelers insurance is available in 42 states and the District of Columbia. It is not available in the following states:
- Alaska
- Hawaii
- Louisiana
- Michigan
- North Dakota
- South Dakota
- West Virginia
- Wyoming
Cancellation Policy
If, for any reason, you need to cancel your Travelers auto policy, it will not charge an early cancellation fee. Cancel your policy through the following methods:
- Call a representative at 1-800-842-5075.
- Visit your local Travelers insurance agent.
- Mail a written letter of cancellation to:
- Travelers
- P.O. Box 5600
- Hartford, CT 06102
In your written notice, make sure to include your name, the date you want the policy to conclude, and your policy number.
Company Background
Travelers was founded in 1864 in Hartford, Connecticut, when businessman James G. Batterson and banker James E. Bolter decided to pair up as business partners. It began as an accident insurance company when Baker, as a joke, asked Bolter how much it would cost to insure him for $5,000 in case of his accidental death walking home from the post office.
The first concept of accident insurance would later evolve into the company offering several types of insurance coverage, including liability insurance for employers (workers’ compensation), aircraft liability, and accident policies for spaceflight and exploration. In addition, Travelers was the first company to offer automobile insurance in 1897.
Besides being the first insurance company to offer auto insurance, this company was also the first to do the following:
- 1971: Travelers revealed a toll-free number for customers and the general public to call for any insurance-related questions or concerns.
- 2006: Travelers became the first company to offer a discount to customers with hybrid vehicles on their policies.
- 2019: Travelers offered customers access to digital claims payments through PayPal.
Travelers Contact Information
| Contact method | Information |
|---|---|
| Phone | Quote: 1-888-664-2015 Billing and policy questions: 1-800-564-5043 Claims: 1-800-252-4633 Customer service: 1-888-564-5043 |
| Mailing address | Payments:
Travelers Personal Insurance Cancellations: Travelers |
Conclusion
Travelers takes pride in its standards and ability to keep premiums at an affordable price. If you would like to know more about auto insurance coverage options, read our guide to the best car insurance companies to determine what type of coverage works best for your needs. In addition, we’ve included some frequently asked questions in case you still have questions regarding Travelers auto policies. Learn more in our Travelers car insurance review.
Frequently Asked Questions
No, GEICO doesn’t own Travelers, although they occasionally do business together. For instance, GEICO offers home insurance policies underwritten by Travelers. GEICO is owned by Berkshire Hathaway, while Travelers is a separate company.
When it comes to the claims process, Travelers has mixed third-party ratings. It scored below average in J.D. Power’s 2025 Claims Satisfaction study2, while CRASH Network gave it a “C” grade, which was on par with other major national insurers.
If you have an auto accident, Travelers will keep it on record for five years. However, it may remain on your record longer, depending on the details of the accident.
In certain situations, you may need special coverage after making modifications to your vehicle. It’s best to review your policy or speak to a Travelers agent to see if your premiums will increase because of aftermarket modifications.
Travelers insurance usually allows you to make changes or updates to your auto policy at any moment. To make changes, visit your Travelers app, visit the Travelers website, or contact your agent. You may want to speak to an agent directly, since some coverage changes and policy updates may affect the cost of your premium.
Sources
Umbrella Insurance Coverage. Travelers. (2026).
https://www.travelers.com/umbrella-insuranceSatisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-study
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