Travelers Car Insurance Cost: Average Rates & Factors

Choosing a car insurance provider can be challenging. If you're considering Travelers, exploring its pricing structure will help you determine if it's the best fit. However, we recommend gathering quotes from several companies to ensure you're getting the best deal if you want to save money on your car insurance.

Travelers car insurance pricing per month

Travelers charges $193 per month on average for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $96.

Keep in mind these are average figures. Your actual rate will depend on several factors, including age, location, credit score, and driving history. While your individual rate with Travelers may be different, these averages provide a useful benchmark for comparing providers.

Travelers average monthly cost National average monthly cost Full coverage $193 $187 Liability-only $96 $98

Travelers' rates versus other car insurance providers

Each company uses different methods to evaluate risk and apply discounts, which means pricing varies considerably. Comparing quotes will show you how Travelers measures up for your particular circumstances.

Provider Average monthly full coverage cost Average monthly liability-only cost State Farm $108 $53 Progressive $152 $86 GEICO $148 $80 Allstate $148 $72 USAA $103 $51 Travelers $193 $96

Travelers' rates by age

Age plays a major role in how Travelers sets its rates. Car insurance for teen drivers carries the highest premiums, with full-coverage policies averaging $455 per month.

Rates generally decline as you move into your 20s, with Travelers averaging $242. The downward trend continues through your 30s at an average of $188 and into your 40s at $177.

The most affordable rates often go to drivers in their 50s and 60s, who pay approximately $158 and $142 per month.

Once you reach your 70s, rates tend to climb again to around $144 monthly. This pattern shows how insurers adjust pricing based on risk at various life stages.

Age group Travelers average monthly full coverage cost National average monthly cost Teens $455 $347 20s $242 $238 30s $188 $198 40s $177 $192 50s $158 $178 60s $142 $163 70s $144 $167

Travelers' rates for high-risk drivers

A record of traffic violations or accidents will push your Travelers car insurance rate higher. High-risk drivers with a speeding ticket on their record pay about $260 per month on average. Those with an at-fault accident face monthly costs near $266.

Drivers with a DUI face substantially higher premiums, averaging approximately $277 per month. These are standard rates for high-risk situations, though your actual cost will vary based on when the incident occurred and other individual factors.

Driving record Travelers average monthly full coverage cost National average monthly cost Accident $266 $250 Speeding ticket $260 $241 DUI $277 $269

How does your credit score affect your rate with Travelers?

Your credit score influences insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Travelers adjusts pricing according to your credit tier. Drivers with excellent credit average $166 monthly, while good credit translates to rates around $185.

Those with average credit scores pay monthly premiums close to $196, while poor credit results in average costs near $235 per month.

These figures demonstrate how significantly credit impacts your premium, though your final rate will also reflect other personal characteristics.

Credit score Travelers average monthly cost of full coverage National average monthly cost Excellent $166 $163 Good $185 $179 Average $196 $195 Poor $235 $227

FAQs

Does Travelers offer accident forgiveness for car insurance policies?

Travelers provides two accident forgiveness add-on options through its Responsible Driver Plan and Premier Responsible Driver Plan. The basic plan forgives one accident or minor violation to prevent rate increases, while the Premier plan includes additional benefits like a decreasing deductible that reduces by fifty dollars every six months you remain accident-free, up to $500 off. The Premier plan also waives your deductible entirely if your vehicle is declared a total loss, which could save you money compared to other carriers that don't offer this comprehensive protection.

Can I get Travelers car insurance if I drive for Uber or Lyft?

Travelers offers rideshare insurance coverage for drivers, though availability varies by state and is not currently offered in California. This specialized coverage fills the gaps left by your rideshare company's insurance and your personal auto policy, ensuring you're protected during all periods of rideshare activity.

What is Travelers' IntelliDrive program?

Travelers' IntelliDrive program monitors your driving behavior for 90 days through a smartphone app, tracking factors like speed, braking, acceleration, phone usage, and time of day you drive. You could save up to 30% on your premium with good driving scores, though poor performance might increase your rates.

Bottom line

Is Travelers the right car insurance company for you? The best way to find out is to get quotes from this company as well as others and compare them based on price and service.

Data throughout provided by Insurify. 

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