How to Apply for Travelers Car Insurance
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Collect the essentials before you start
Have each driver’s license number, your vehicle’s VIN, current mileage and a payment card ready; gathering this data up front speeds the quote and lets coverage start the same day.
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Get a personalized quote online, by phone or through an agent
Go to Travelers.com/auto, enter your ZIP code and tap “Start a Quote,” call 1-888-695-4625, or ask a licensed independent agent—prices are identical across channels.
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Tailor your coverage and apply available discounts
Adjust liability limits, add collision, comprehensive or gap coverage, and explore extras like accident forgiveness; the quote tool shows savings for bundling home or renters, safe-driver telematics and more in real time.
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Lock in the policy with your first payment
Review the final premium, choose a pay-in-full or monthly plan, authorize Travelers to pull your driving record, then submit at least the first month’s premium—some states require a quick phone confirmation to finalize.
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Download digital ID cards and manage your policy 24/7
Instant proof of insurance appears in the MyTravelers® app and web portal, where you can file claims, add vehicles, adjust coverages or chat with support any time.
Good to know: Third-party reviewers rate Travelers highly for its robust online tools and broad discount menu, though you may have to finish the purchase by phone in certain states.
Full review of Travelers Auto Insurance: Strong Finances, Flexible Coverage—But Is It Your Best Bet?
Travelers has protected U.S. drivers since 1853—long before turn signals existed. Today it’s the sixth-largest personal-lines carrier sold through independent agents and one of the most financially secure names in the industry. Here’s what you need to know to decide whether a Travelers policy belongs in your driveway.
Financial Stability
- AM Best: A++ (Superior), the highest rating for claims-paying ability
- NAIC complaint index: 0.52 (roughly half the complaints expected for its size)
Bottom line: Travelers has the money and track record to pay claims promptly.
Availability
- Sold in 42 states + D.C.
- Not available in AK, FL, HI, LA
Average Costs
| Description | Cost |
|---|---|
| National average full coverage | $2,692 |
| Travelers average full coverage | $2,234 (-17%) |
Sample annual quotes, 35-year-old driver with clean record (3-state average)
| Carrier | Premium |
|---|---|
| Nationwide | $1,621 |
| Travelers | $2,008 |
| Allstate | $2,755 |
Takeaway: Travelers is cheaper than the national norm but often pricier than low-cost rivals unless you stack discounts.
Core Coverages (Standard Package)
- Liability
- Uninsured/Underinsured Motorist
- Collision
- Comprehensive
- PIP or Medical Payments (state-specific)
Add-Ons That Stand Out
| Endorsement | Why It Matters |
|---|---|
| Premier New Car Replacement® | Replaces a totaled vehicle with a brand-new model for up to 5 years (most rivals stop at 2-3 years). |
| Loan/Lease Gap | Pays the difference if your loan balance exceeds the car’s value. |
| Responsible Driver PlanSM | Accident forgiveness + minor-violation forgiveness every 36 months; optional deductible reduces $50 every 6 months (up to $500). |
| Rental Reimbursement | Pays for a rental car after a covered claim. |
| Roadside Assistance | Basic (15-mile tow) or Premier (100-mile tow) via MyTravelers app. |
| Limited Rideshare | Extends coverage while the rideshare app is on but no passenger yet (not in CA). |
Discounts — Where Savings Add Up
Multi-policy • Multi-car • Early Quote • Home-ownership • New Car (<3 yrs) • Hybrid/EV • Good Student & Student-Away • Driver Training • IntelliDrive® telematics (-10% upfront; up to -30% or +20% at renewal)
IntelliDrive® in a Nutshell
- 90-day app monitoring: speed, braking, phone use, night driving
- Renewal impact: -30% to +20%
- Immediate sign-up discount: 10%
Tip: Great for safe, tech-friendly drivers—risky for habitual hard-brakers.
Customer Experience
| Metric | Result |
|---|---|
| J.D. Power 2024 satisfaction | Below regional averages |
| Digital tools | MyTravelers app (policy management, claims filing, 24/7 chat) |
Who Benefits Most
- Safe drivers confident they’ll ace IntelliDrive
- Homeowners ready to bundle auto + home/umbrella policies
- Owners of new or financed vehicles (New Car Replacement + Gap)
- Families with students (good-student & student-away discounts)
- Hybrid/EV drivers seeking niche savings
Not ideal for: High-risk drivers (telematics may raise rates) or residents of AK, FL, HI, LA.
Bottom Line
Travelers pairs 170-plus years of stability with à-la-carte flexibility. Its five-year New Car Replacement and generous telematics discounts are market standouts, and the carrier’s complaint level is well below average. Yet base prices can lag the cheapest competitors and customer-satisfaction scores leave room for improvement.
If you live in one of the 42 states Travelers serves, keep a clean driving record, and plan to bundle policies or leverage IntelliDrive, add Travelers to your quote list. Just compare numbers against Nationwide, USAA (if eligible), and strong regional insurers to be sure the savings stick.