Travelers vs. Workmen’s Auto: Which Company is the Best Fit for You?

Wondering if Travelers or Workmen's Auto is the best insurance company for you, your vehicle, and your wallet? We've broken down all the prices and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Based on national averages for car insurance, Workmen's Auto offers slightly cheaper rates than Travelers
  • Travelers offers less expensive average premiums for policyholders who have a short commute
  • Workmen's Auto has more affordable rates for policyholders who may not have much of a commute

Travelers vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Travelers or Workmen's Auto for your next policy, but which company will save you the most?

Travelers Workmen's Auto

Looking at nationwide averages, Workmen's Auto is about $16 per month cheaper than Travelers.

But that doesn't necessarily mean Workmen's Auto will be the less expensive option for each driver. Auto insurance companies use all sorts of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among multiple other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Travelers or Workmen's Auto is really the best for you, keep reading to see average rates for each carrier broken down by a range of different rate factors.

Travelers or Workmen's Auto: Average Car Insurance Rates by State

State Travelers Workmen's Auto

Travelers and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average prices. For California residents, Workmen's Auto offers car insurance for $151 a month on average. Travelers's average premiums come out to be more expensive, at $155 monthly.

There's a lot more that goes into your insurance payment than just your home state. Read on to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Travelers Workmen's Auto
18-year-old drivers$353$321
25-year-old drivers$141$130

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $30 less a month by choosing Workmen's Auto over Travelers. It's worth noting that Travelers offers car insurance in 31 different states compared to Workmen's Auto's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, with both carriers, you'll see your prices decrease significantly by the time drivers turn 25. For example, average premiums for Travelers policyholders lower over 60% and Workmen's Auto's rates drop nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Travelers Workmen's Auto
65+-year-old drivers$132$124

Drivers around retirement age typically enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase premiums.

But who has the best prices for retired drivers between Travelers and Workmen's Auto? Workmen's Auto gets the slight edge, with rates for drivers 65 and older $8 more affordable than the national average for Travelers.

Which is the Best Company for Married Drivers?

Travelers Workmen's Auto

Did you know that auto insurance prices are typically cheaper for married policyholders than they are for those who are single? This usually boils down to married drivers having more than one car on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single policyholders, with premiums only differing around $15 per month, on average. But for married couples, the advantage is clear - Workmen's Auto offers the most affordable average rates.

Travelers vs. Workmen's Auto: Average Rates by Gender

Travelers Workmen's Auto

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to auto insurance men will normally end up paying a little more.

Women generally pay about 6% a month less than men with Travelers; men and women get the same monthly premiums with Workmen's Auto.

Looking at overall affordability, Workmen's Auto offers the lowest average rates for both men and women, with average prices 12% less for men and 6% cheaper for women.

Find your best rate in just a few minutes

Travelers or Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

Travelers Workmen's Auto
State Minimum*$108$67
Full Coverage**$225$235

*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.

For most people, insurance isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability coverage).

In this case, Workmen's Auto offers the cheapest average premiums for state minimum liability insurance, while Travelers has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $40 with Workmen's Auto Insurance, while full coverage comes out to be around $10 less expensive with Travelers.

Is Travelers or Workmen's Auto 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 collisions and tickets on your record, but which of these two companies offers the lowest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Travelers Workmen's Auto
Clean Record$128$111
1 Speeding Ticket$160$145

Travelers policyholders can expect their prices to go up an average of $32 per month if they get a ticket, while Workmen's Auto typically raises premiums about $34 a month, on average.

That being said, Workmen's Auto is usually the more affordable option for drivers both with a speeding ticket and with a clean record, offering rates that are $17 and $15 cheaper, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Travelers Workmen's Auto
Clean Record$128$111
1 At-Fault Accident$173$156

Travelers policyholders who get in an accident can expect to see their prices rise by over 25%, while those who have insurance through Workmen's Auto will see around a 30% increase.

Overall, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with monthly premiums averaging $156 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

Travelers Workmen's Auto
Clean Record$128$111
1 DUI$205$191

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Workmen's Auto drivers usually see a 42% increase in their insurance rates after a DUI charge, while Travelers will generally raise prices by about 38%.

Workmen's Auto has the overall most affordable premiums for drivers with a DUI on their records at $191 per month, but it's worth noting that Travelers's average rates come from 31 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

Find your best rate in just a few minutes

How does Credit Score Impact Travelers and Workmen's Auto Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for several drivers.

Auto 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 Travelers and Workmen's Auto specifically, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Travelers Workmen's Auto
Excellent Credit Score$119No Data Available
Good Credit Score$142No Data Available

Normally, if you have great credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will normally save Travelers customers around 15%. Workmen's Auto, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Travelers Workmen's Auto
Fair Credit Score$173No Data Available
Poor Credit Score$231No Data Available

Having bad credit typically means you'll also see higher prices with Travelers. As you can see, Travelers customers with poor credit scores pay about 25% per month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, Workmen's Auto doesn't have data available for credit scores, which means drivers with bad credit might find better rates with Workmen's Auto over Travelers.

Find your best rate in just a few minutes

Is Travelers or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

Travelers Workmen's Auto
6,000 Annual Miles$164$126
12,000 Annual Miles$169$175

How much you drive can have a sizable impact on how much insurance companies will charge for coverage. Usually, the more miles you put on your vehicle, the more you can expect to pay for coverage.

Looking specifically at Travelers and Workmen's Auto, Workmen's Auto is the less expensive option for people who work from home, while Workmen's Auto has better rates for those with short commutes. Travelers's average premiums for drivers with 6,000 annual miles come in just under 25% more expensive than Workmen's Auto. Those who drive 12,000 miles each year can expect to pay 3% more with Workmen's Auto over Travelers.

Travelers vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for car insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the roads in those areas.

Travelers Workmen's Auto
Urban Areas$204$149
Suburban Areas$160$154
Rural Areas$136$149

Workmen's Auto boasts the lowest average rates in urban and suburban areas, while Travelers wins in rural areas.

In urban areas, Workmen's Auto Insurance's average prices are around 27% less than Travelers. Drivers in suburban ZIP codes pay about 4% less with Workmen's Auto compared to Travelers. If you live in a rural area, you can expect to save around 9% with Travelers compared to Workmen's Auto.

Travelers vs. Workmen's Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Travelers and Workmen's Auto so that you can find the company that has the most discounts and, therefore, the biggest savings.

Travelers Workmen's Auto
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 
Driver-Vehicle Combination Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Group Discount 
Hybrid Vehicle Discount 
Mature Driver Discount
Multi-Car Discount 

Travelers blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 21 more discounts than Workmen's Auto.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver and mature driver discounts -- but Travelers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a couple unique discounts of its own -- driver-vehicle combination discounts and renewal discounts.

Find your best rate in just a few minutes

Final Thoughts: Is Travelers or Workmen's Auto Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the right fit for you?

Workmen's Auto might be best for you if....

  • You like the personalized touch of a small, regional carrier.
  • You've received a ticket for speeding recently and don't want to see your rates increase.
  • You are over 65 years old and want to save some money on your auto insurance.

Travelers might be best for you if...

  • You're planning on moving to another state soon -- Workmen's Auto Insurance is only available in California.
  • You're looking for discounts -- Travelers has the most.
  • You live in a rural area.

We hope this guide helps you get a better idea of the difference between Travelers and Workmen's Auto and that you can now make a more informed decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Travelers and Workmen's Auto. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Find your best rate in just a few minutes

Travelers vs. Workmen's Auto FAQs

Is Travelers or Workmen's Auto cheaper?

Looking just at the national average prices, Workmen's Auto is the more affordable of the two carriers, offering average rates of $151 a month compared to $167 for Travelers. However, Workmen's Auto won't necessarily be the cheapest company for every driver, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Travelers or Workmen's Auto?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for each driver -- it all comes down to what your unique car insurance profile looks like. For example, Workmen's Auto offers less expensive premiums for drivers with a recent DUI, while Travelers is cheaper for drivers with excellent credit.

Why do Travelers and Workmen's Auto offer me different rates?

Insurance companies take a look at lots of different factors when calculating the rates they charge policyholders. Variables like where you park your vehicle, where you call home, gender, age, and sometimes even things like your credit score can all be used. Both Travelers and Workmen's Auto calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Travelers or Workmen's Auto is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car 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 Travelers or Workmen's Auto 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes