How much does Travelers auto insurance cost in New Jersey?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Travelers in New Jersey runs about $1,675/year (~$140/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Travelers cheaper than other carriers in New Jersey?

Yes — Travelers typically runs about 13% below the New Jersey state average ($1,925/year for all carriers combined). The cheaper alternatives in New Jersey are typically USAA, GEICO, Erie. Whether Travelers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the New Jersey minimum coverage requirements?

New Jersey requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. New Jersey is a no-fault state, so personal injury protection (PIP) is also required. No-fault state with choice of basic or standard policy. Population density drives high collision rates.

Does Travelers offer discounts to New Jersey drivers?

Travelers offers 7+ discounts that New Jersey drivers can stack: IntelliDrive (telematics), Multi-policy, Continuous insurance, Hybrid/EV, Homeowner, Safe driver, New car. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

How much does Travelers auto insurance cost in New Jersey?

Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Travelers in New Jersey runs about $1,675/year (~$140/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Travelers cheaper than other carriers in New Jersey?

Yes — Travelers typically runs about 13% below the New Jersey state average ($1,925/year for all carriers combined). The cheaper alternatives in New Jersey are typically USAA, GEICO, Erie. Whether Travelers is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the New Jersey minimum coverage requirements?

New Jersey requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. New Jersey is a no-fault state, so personal injury protection (PIP) is also required. No-fault state with choice of basic or standard policy. Population density drives high collision rates.

Does Travelers offer discounts to New Jersey drivers?

Travelers offers 7+ discounts that New Jersey drivers can stack: IntelliDrive (telematics), Multi-policy, Continuous insurance, Hybrid/EV, Homeowner, Safe driver, New car. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

Travelers Auto Insurance in New Jersey

Travelers is the largest property-casualty insurer in the U.S. and writes about 2.5% of the personal-auto market. IntelliDrive telematics + ~150-year claims operations history make it a default choice for risk-averse drivers who want a balance of price and service. Here's what Travelers typically costs in New Jersey for 2026 — plus the 3 cheaper alternatives most New Jersey drivers overlook.

Read our full Travelers auto insurance review

Estimated annual premium

$1,675

Estimated monthly

$140

New Jersey state avg

$1,925

vs New Jersey avg

-13%

Why drivers pick Travelers

Strong claims-handling and policy stability — Travelers has lower mid-policy rate creep than most direct writers (industry-low 3.2% avg annual increase vs. peer 5.5%).

Where Travelers falls short

Initial quotes for high-risk drivers (1+ at-fault claims, sub-680 FICO) run 15-25% above peer carriers — pricing softens at renewal but starts steep.

New Jersey minimum coverage requirements

Bodily Injury Liability: 25/50 thousand per person / per accident
Property Damage Liability: $25K
No-Fault State: Personal Injury Protection (PIP) coverage required

No-fault state with choice of basic or standard policy. Population density drives high collision rates.

Cheaper alternatives to Travelers in New Jersey

Based on CarSavr's rate modeling, the 3 carriers below typically come in below Travelers for a comparable driver profile in New Jersey. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$1,150/yr

Save $525/yr

GEICO

Clean-record drivers · Online-first shoppers

$1,450/yr

Save $225/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$1,450/yr

Save $225/yr

Travelers discounts available to New Jersey drivers

IntelliDrive (telematics)Multi-policyContinuous insuranceHybrid/EVHomeownerSafe driverNew car

Travelers New Jersey rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Travelers New Jersey estimate for each class:

+10% vs sedan

Travelers SUV insurance

New Jersey estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Travelers Pickup truck insurance

New Jersey estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Travelers Electric Vehicle (EV) insurance

New Jersey estimate · Tesla Model 3, Tesla Model Y

Travelers New Jersey rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Travelers New Jersey estimate for each profile:

+100% vs standard

Travelers New Driver insurance

New Jersey · 16-24

-8% vs standard

Travelers Senior Driver insurance

New Jersey · 65+

Travelers NOT ELIGIBLE

Travelers SR-22 High-Risk insurance

New Jersey · any (SR-22 required)

-18% vs standard

Travelers Low-Mileage Driver insurance

New Jersey · any (<7,500 mi/yr)

Frequently asked questions

Methodology: Estimated annual premium is computed as Travelers's national average ($1,560) multiplied by New Jersey's state-vs-national premium index ($1,925 ÷ national average $1,789 ≈ 1.08x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Travelers J.D. Power score: 821/1000. A.M. Best rating: A++ (2024).