Partners Mutual vs. Travelers: Which Company is the Best Fit for You?

If you're in the market for a new auto insurance policy, you might be wondering how Travelers and Partners Mutual compare when it comes to the most affordable prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Partners Mutual offers significantly cheaper rates than Travelers
  • Partners Mutual offers more affordable premiums for policyholders who have a clean record
  • Travelers offers more discounts than Partners Mutual Insurance

Partners Mutual vs. Travelers: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Partners Mutual or Travelers as your top options, but which company has less expensive prices for insurance?

Partners Mutual Travelers

Looking at nationwide averages, Partners Mutual is quite a bit cheaper than Travelers, with rates averaging $123 per month compared to $167 with Travelers.

That being said, Partners Mutual may not be the cheapest or best option for every driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your credit score, where you call home, or even your driving record (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Wanting to know if Partners Mutual or Travelers is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Partners Mutual or Travelers: Average Car Insurance Rates by State

State Partners Mutual Travelers

Partners Mutual and Travelers only compete against each other in Iowa, where Travelers offers the cheaper average premiums. For Iowa residents, Travelers offers auto insurance for $99 per month on average. Partners Mutual's average rates come out to be over 20% more expensive, at $123 a month.

There are plenty of other factors that go into your insurance bill than just where you live. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Partners Mutual Travelers
18-year-old drivers$243$353
25-year-old drivers$106$141

Teen drivers will almost always have the most expensive car insurance premiums of any group out there on the road. That's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Partners Mutual over Travelers.

But both carriers will drop rates once you turn 25. Travelers offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Partners Mutual still has the lowest premiums at $106 monthly.

Which is the Best Company for Retired Drivers?

Partners Mutual Travelers
65+-year-old drivers$99$132

Drivers around retirement age normally enjoy some of the most affordable auto insurance prices out there. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can increase rates.

So, which company offers the best premiums to retired drivers? Partners Mutual gets the edge here, with average prices coming in at about $99 per month compared to Travelers's $132.

Which is the Best Company for Married Drivers?

Partners Mutual Travelers

Did you know that insurance rates are typically more expensive for single policyholders than they are for married policyholders? That's because policies for married drivers generally cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Partners Mutual is the clear winner for single drivers, with prices around $52 per month more affordable than Travelers, on average. The advantage for married couples with Partners Mutual is also obvious, where drivers save nearly 25% a month.

Partners Mutual vs. Travelers: Average Rates by Gender

Partners Mutual Travelers

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will normally end up paying a little more.

On average, women see rates about 6% per month less with Partners Mutual, and around 6% less with Travelers when compared to their male counterparts.

When it comes to the cheapest premiums for each gender, Partners Mutual offers the lowest average rates for both men and women. On average, male drivers save about $45 a month and women save about $42 with Partners Mutual compared to the average Travelers policyholder.

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Partners Mutual or Travelers: Compare State Minimum vs. Full Coverage Rates

Partners Mutual Travelers
State Minimum*$52$108
Full Coverage**$194$225

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

However, most policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Partners Mutual usually offers significantly cheaper prices of $52 compared to Travelers's $108. When it comes to full coverage policies with similar limits, Partners Mutual again has the edge, with policies around $30 per month less expensive than Travelers, on average.

Is Partners Mutual or Travelers Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Partners Mutual Travelers
Clean Record$79$128
1 Speeding Ticket$95$160

Partners Mutual policyholders can expect their rates to go up an average of $16 a month if they get a ticket, while Travelers typically raises premiums about $32 per month, on average.

Even so, Partners Mutual has more affordable prices for drivers in both categories, offering rates that are $49 and $65 less expensive, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Partners Mutual Travelers
Clean Record$79$128
1 At-Fault Accident$115$173

After an accident, drivers who have their car insurance through Partners Mutual can expect to see around an $36 -- or about 31% -- increase in their insurance prices. Drivers who use Travelers for their auto insurance will see a monthly bill around $45 (or 26%) more expensive after reporting a collision to their car insurance carrier.

Overall, drivers who use Partners Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $115 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

Partners Mutual Travelers
Clean Record$79$128
1 DUI$203$205

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. Partners Mutual drivers usually see a 61% increase in their insurance rates after a DUI charge, while Travelers will usually climb prices by about 38%.

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How does Credit Score Impact Partners Mutual and Travelers Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect several drivers out there.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Partners Mutual and Travelers specifically, which one has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Partners Mutual Travelers
Excellent Credit Score$92$119
Good Credit Score$108$142

Which Company is Best for Drivers with Bad Credit?

Partners Mutual Travelers
Fair Credit Score$126$173
Poor Credit Score$166$231

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Is Partners Mutual or Travelers Better for Drivers who Work from Home or Have Short Commutes?

Partners Mutual Travelers
6,000 Annual Miles$123$164
12,000 Annual Miles$123$169

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance payment. Normally, the more miles you drive, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Partners Mutual charges. However, there's a small difference in monthly prices for Travelers, with policyholders who drive the least paying around $5 less each month compared to those who drive 12,000 miles yearly. Still, Partners Mutual is the cheaper option for drivers in both categories.

Partners Mutual vs. Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly insurance cost. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads in those areas.

Partners Mutual Travelers
Urban Areas$143$204
Suburban Areas$108$160
Rural Areas$118$136

When comparing these two companies side-by-side, Partners Mutual typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about 13% with Partners Mutual compared to Travelers. Drivers in suburban ZIP codes pay around 33% less with Partners Mutual compared to Travelers. In urban areas, Partners Mutual Insurance's average prices are about 30% less than Travelers.

Partners Mutual vs. Travelers Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Below, we've taken a look at all of the different discounts Partners Mutual and Travelers offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Partners Mutual Travelers
ABS Discount
Advance Quote Discount
Alternative Fuel Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
ESC Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount 
Group Discount
Hybrid Vehicle Discount 
Mature Driver Discount 
Multi-Car Discount 

Travelers blows Partners Mutual away when it comes to the sheer amount of discounts available, offering 17 more discounts than Partners Mutual.

There are a couple discounts both carriers offer, but Travelers also offers alternative fuel discounts, continuous insurance discounts, COVID-19 relief discount, and more that Partners Mutual does not.

On the flip side, Partners Mutual has a unique discount of its own -- a ESC discounts.

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Final Thoughts: Is Partners Mutual or Travelers Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which carrier is the right company for you and your specific profile and needs?

Partners Mutual might be best for you if....

  • You have an at-fault collision on your record.
  • You're looking for more protection with "full coverage" auto insurance.
  • You drive fewer than 12,000 miles every year.

Travelers might be best for you if...

  • You already have plans to move to another state -- undefined is only available in.
  • You're looking for discounts -- Travelers has the most.

We hope this guide has ben a valuable resource as you compare Partners Mutual and Travelers and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just Partners Mutual and Travelers. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

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Partners Mutual vs. Travelers FAQs

Is Partners Mutual or Travelers cheaper?

Looking just at the national average rates, Partners Mutual is the more affordable of the two carriers, offering average rates of $123 a month compared to $167 for Travelers. That being said, Partners Mutual won't necessarily be the most affordable company for everyone, since there are many different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Partners Mutual or Travelers?

Unfortunately, the real answer is "it depends.". No single carrier is necessarily "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Partners Mutual and Travelers offer me different rates?

Car insurance companies take a look at a lot of different factors when determining the premiums they charge policyholders. Things such as gender, where your home is, age, your driving record, and sometimes even things like your credit score can all come into play. Both Partners Mutual and Travelers calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Partners Mutual or Travelers is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Partners Mutual or Travelers at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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