What Discounts Does Travelers Offer for Auto Insurance?

Last Updated on January 4, 2026

Travelers is one of the biggest names in U.S. auto insurance. If you’re shopping for coverage (or you already have a policy), it’s worth checking every available discount—because savings are often “opt-in” or require proof. For a full company overview, see our Travelers auto insurance review.

Travelers says it offers up to 15 auto insurance discounts, depending on your state, policy type, and eligibility. The easiest way to unlock savings is to focus on the big categories: bundling, household/vehicle setup, driving history, payment choices, student status, and telematics.

Below is a clear, up-to-date breakdown of Travelers auto insurance discounts, how they typically work, and what to ask for when you request a quote or review your policy.

KEY TAKEAWAYS

1. Travelers Offers Up to 15 Discounts: Eligibility and savings vary by state, driver profile, and underwriting company.
2. Bundling Is Often the Biggest Win: Combining auto with home, condo, or renters coverage can unlock a multi-policy discount.
3. Telematics Can Be High-Impact: IntelliDrive programs can deliver large renewal savings for safe driving—but risky driving may increase premiums in some states.
4. Discount Availability Depends on Your State: Some common discounts aren’t offered everywhere, so ask for a discount audit when you quote or renew.

Travelers Auto Insurance Discounts at a Glance

• Bundling discounts: Multi-policy savings when you combine auto with home, condo, renters, and more.
• Household and vehicle discounts: Multi-car, home ownership, new car, and hybrid/electric.
• Driver-based discounts: Safe driver, continuous insurance, student discounts, driver training.
• Payment discounts: Pay in full, EFT/autopay, and “good payer” discounts (where offered).
• Programs and special offers: IntelliDrive telematics programs and affinity (member/employee) programs.

Multi-Policy Bundling Discount

Bundling is usually the fastest path to meaningful savings. Travelers offers a multi-policy discount when you buy auto coverage alongside another Travelers policy—commonly homeowners, condo, or renters insurance.

If you’re new to bundling, here’s a step-by-step guide on how to bundle auto and homeowners insurance to save money.

Tip: Ask your agent or Travelers rep to run quotes both ways (auto-only vs. bundled). Sometimes bundling changes your eligibility for other discounts too.

Multi-Car Discount

If your household insures two or more vehicles on one Travelers policy, you may qualify for a multi-car discount. This often applies to families with multiple drivers, couples with separate cars, or households with a backup vehicle.

Want the fine print on how these work across insurers? Read our guide to multi-car discounts.

Home Ownership Discount

Travelers may offer an auto insurance discount if you own a home or condo—even if your home insurance is with another company. In many cases, insurers view homeowners as lower-risk policyholders overall.

Here’s what to know about eligibility and how to ask for it: can homeowners get auto insurance discounts?

Safe Driver Discount

Travelers may offer a safe driver discount if your household has a clean driving history over a defined period (often 3 to 5 years). “Clean” typically means no at-fault accidents, serious violations, or certain major claims.

Tip: If you recently improved your record (for example, an old ticket dropped off), ask Travelers to re-check your eligibility at renewal.

Continuous Insurance Discount

Travelers may reward drivers who keep insurance in force with no gaps in coverage. If you’ve been continuously insured and you’re switching companies, have your prior insurer’s declarations pages handy so Travelers can verify your coverage history.

We break down what counts as a “gap” and how much it can matter here: continuous coverage auto insurance discount.

Hybrid or Electric Vehicle Discount

If you own or lease a qualifying hybrid or electric vehicle, Travelers may offer an eco-friendly vehicle discount. Eligibility can vary by state and underwriting company, so it’s worth asking even if it isn’t automatically applied.

Not sure whether hybrids/EVs are typically cheaper to insure? See: are hybrid or electric vehicles cheaper to insure?

New Car Discount

Travelers may offer a discount when you purchase a new vehicle or insure a vehicle that’s generally considered “newer” (often within the last few model years). If you recently upgraded, make sure your policy reflects the correct VIN and trim—because safety features and vehicle details can also affect pricing.

Payment Discounts

How you pay can affect your premium. Travelers may offer discounts for options like:

• Pay-in-full: Paying the full term upfront instead of monthly installments.
• Electronic funds transfer (EFT) or autopay: Automated recurring payments.
• Good payer: Consistently paying on time (where available).

Pros and cons depend on your budget and cash flow. Here’s a detailed comparison: is it better to pay car insurance in full or monthly?

Early Quote Discount

If you’re new to Travelers, you may qualify for an early quote discount by requesting a quote before your current policy expires. Shopping early can also give you time to compare coverage apples-to-apples and avoid a lapse.

Good Student Discount

Travelers may offer a good student discount when a driver on your policy is enrolled full time and meets academic requirements (often a “B” average or equivalent, or being in the top portion of their class). You’ll typically need proof like a recent report card or transcript.

Student Away at School Discount

If you have a student on your policy who’s attending school far from home and won’t have a vehicle on campus, Travelers may offer a discount (requirements vary, but “100 miles away” is a common baseline). This is a popular way to keep the student covered for breaks without paying for full-time risk exposure.

Related: what’s the best way to get car insurance if I have a car at college?

Driver Training Discount

Travelers may offer a discount when a young driver completes an approved driver education course. If the discount doesn’t show up automatically, ask what documentation they need (certificate, course completion date, and provider name are common).

Travelers IntelliDrive Programs

Travelers’ telematics programs use a smartphone app to measure driving behavior. In participating states, safe drivers can earn meaningful savings at renewal—but riskier driving can increase premiums in some states.

Travelers currently markets multiple IntelliDrive options (availability varies by state), including a 90-day version and an ongoing “365” version. Depending on the program and state, Travelers advertises savings up to 30% (and up to 35% for IntelliDrive 365 in eligible states) at renewal, with some new customers also receiving a sign-up discount.

If you’re deciding whether it’s worth it, start here: is Travelers IntelliDrive good?

Affinity and Member Discounts

In addition to standard discounts, Travelers also offers affinity programs for some employers, associations, and member groups. If you’re part of a large organization (or you’re a teacher, union member, alumni association member, etc.), ask whether your group qualifies for special pricing.

Important Notes About Discount Availability

Not every discount is available in every state. For example, Travelers notes that several common discounts (like early quote, EFT, new car, safe driver, continuous insurance, pay in full, good payer, home ownership, and multi-car) aren’t available in California, and some have restrictions in states like New York, Maryland, and Washington.

If you don’t see a discount you expected, it doesn’t necessarily mean you did something wrong—it may simply be unavailable where you live, or it may require documentation to apply.

How to Make Sure You’re Getting Every Travelers Discount

1. Ask for a discount review: Request a full discount audit at purchase and at every renewal.
2. Bring documentation: Student grades, driver training certificates, prior insurance declarations pages, and proof of home ownership can help.
3. Check vehicle details: Confirm VIN, safety features, garaging address, and annual mileage are accurate.
4. Compare payment options: Pay-in-full or EFT/autopay may reduce fees and qualify you for additional savings.
5. Shop early: Getting a quote before your current policy expires can help you avoid gaps and may unlock early-quote pricing.

Final Word on Travelers Auto Insurance Discounts

Travelers offers a long list of potential discounts, but the exact savings depend on your state, driving profile, vehicles, and how your policy is set up. If you want to cut costs beyond discounts, check out our guide to top ways to save on auto insurance.

To confirm which Travelers discounts you qualify for (and what proof you’ll need), start here: Contact Travelers.

FAQs on Travelers Auto Insurance Discounts