cheapest travel insurance domestic

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9 Best Travel Insurance Companies of 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Here are the cheapest travel insurance companies of July 2024

These travel insurance companies offer affordable interruption and medical coverage..

Travel insurance can be a valuable protection if your domestic or international trip doesn't quite go to plan. But, after booking flights, hotels, rental cars and experiences, you probably don't want to spend much more on your trip.  

Luckily, travel insurance isn't a huge expense, and some companies offer surprisingly affordable rates to insure your trip. CNBC Select gathered data on dozens of the top travel insurance companies and found several that stand out for their strong coverage at low prices.

Here are the best cheap travel insurance companies if you're looking to cover your upcoming adventures. (See our methodology for more information on how we made this list.)

Best cheap travel insurance  

• Best for road trips: Berkshire Hathaway Travel Protection  
• Best for adventure travel : World Nomads Travel Insurance
• Best for families : C&F Travel Insured International Travel Insurance  
• Best for cruises : Nationwide Travel Insurance

Best for road trips   

Berkshire hathaway travel protection.

The best way to estimate your costs is to request a quote

Policy highlights

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

24/7 assistance available

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for? Berkshire Hathaway Travel Protection is ideal for those looking for strong coverage backed by a major insurer at a relatively affordable price point.

Standout benefits: This company offers travel insurance that's tailored to a variety of different modes of transportation and travel styles. It offers additional cancel for any reason (CFAR) coverage and rental car collision coverage 

[ Jump to more details ]

Best for adventure travel

World nomads travel insurance.

World Nomads offers travel insurance for all sorts of travelers, from families to solo adventure travelers. Policies are underwritten by Nationwide and offer strong coverage of emergency accident and illness situations, as well as emergency evacuation scenarios.

• Affordable coverage for many travelers
• Coverage for adventure activities like scuba diving, bungee jumping and more
• Lower trip cancellation limits than other travel insurance we reviewed

Who's this for? World Nomads Travel Insurance is a good choice for travelers looking for affordable coverage. It's an especially strong option for those planning on adventure activities like scuba diving which can be excluded from some other travel insurance plans.  

Standout benefits: This travel insurance offers coverage for stolen gear or belongings, and high coverage limits for emergency medical insurance compared to some of the other plans we reviewed.  

Best for families 

C&f travel insured international travel insurance.

Travel Insurance from this company can include annual travel insurance plans as well as single-trip travel insurance. Optional coverages include cancel for any reason coverage and travel inconvenience coverage. Cruise insurance is available.

• Cruise coverage available
• Option to enhance your coverage with additional, optional coverages
• CFAR not available to New York residents

Who's this for? For families wanting to cover an upcoming trip or vacation, C&F Travel Insured International has two plans (in most states) that can help with everything from trip interruptions to missed tour or cruise connections.  

Standout benefits: C&F's policies are particularly family-friendly since children aged 17 and younger can be included for no extra cost when on the same plan as a paid adult. It also offers robust evacuation benefits.

Best for cruises  

Nationwide travel insurance.

Nationwide's wide coverage for travel insurance allows many different types of travelers to find coverage that fits their needs. Three levels of cruise insurance coverage gives extra options to cruise passengers.

• 10-day review period on cruise insurance policies to make sure the plan meets your needs (not available in NY or WA)
• Most basic cruise plan doesn't offer CFAR coverage

Who's this for?  Those embarking on a cruise will find enhanced, cruise-specific coverage from Nationwide . It offers three unique levels of cruise-specific coverage that can help with things like mechanical breakdowns, itinerary changes, and other on-ship disruptions.  

Standout benefits: Nationwide also offers single trip insurance and annual trip insurance plans for those planning other types of vacations.  

More on our top cheap travel insurance companies 

Berkshire hathaway travel protection .

Berkshire Hathaway offers specialized coverage for many different types of travelers, from adventure-focused travelers planning on sky diving or scuba diving to luxury travel coverage. This company also offers tailored coverage for road, air and cruise travel. Claims can be paid as quickly as the same day.  

CFAR coverage available?   

24/7 assistance?  

[ Return to summary ]

World Nomads Travel Insurance 

World Nomads offers travel insurance coverage backed by Nationwide . It offers a 10-day review (provided that no claims have been filed) to help you make sure your coverage is what you want. The company also offers the opportunity to buy coverage when already abroad.  

C&F Travel Insured International 

C&F Travel Insured International has been offering travel insurance for 25 years. The company has a convenient mobile app for travelers for quick access to travel alerts and in-app claims. This travel insurance can be a good option for anyone booking with points or miles since plans offer up to $250 for penalty costs associated with returning points or miles to an account when a trip is canceled for a covered reason.  

Nationwide Travel Insurance 

Nationwide's travel insurance offers a variety of options for all types of travelers, including cruise travelers. It offers strong coverage for both interruption scenarios and medical situations. Customer service is available around the clock and around the world.  

What is travel insurance? 

Travel insurance is coverage designed to protect you while you're miles away from home. It can cover everything from travel inconveniences like lost luggage to serious medical emergencies while abroad.  

What does travel insurance cover? 

Travel insurance can cover injuries and illnesses while abroad where your typical medical insurance won't apply. It can also cover travel interruptions and delays , including lost luggage. While some credit cards offer travel insurance perks, a specific travel insurance policy could bolster that coverage.  

How much does travel insurance cost?  

Travel insurance generally costs about 4% to 10% of your trip's total cost, according to travel insurance comparison site InsureMyTrip . Costs vary based on the age of the travelers, how long you're traveling, and the types and limits of coverage.  

Is travel insurance worth it?  

While no one expects their trips to go awry, travel insurance can be a good backup for anything that does happen. Travel insurance is worth it because it can keep you from having to pick up the costs of medical bills or lost travel expenses if something goes wrong. Keep in mind though that several  top travel credit cards offer certain travel insurance benefits  so you may already have some coverage.

What's the best company for travel insurance?  

CNBC Select reviewed dozens of travel insurance companies and found that AXA Assistance USA Travel Insurance and Travel Guard Travel Insurance stand out for their strong coverage, variety of choices and financial strength.  

Bottom line

Travel insurance can cover a variety of situations, from medical emergencies while abroad to lost luggage or delays. It generally costs between 5% and 10% of your trip's total non-refundable expenses and can save you significant money if something doesn't go to plan. However, it's important to shop around as some companies offer cheaper rates than others. Also, remember that you may already have some form of coverage if you hold certain premium credit cards .

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best cheap travel insurance.

Our methodology 

To determine the best cheap travel insurance companies,  CNBC Select  analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for a number of situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

To consider costs, we gathered quotes from the top travel insurance companies for four sample trips, which included:

1. A two-person trip to Mexico:

• $2,000 per person, $4,000 total
• New York residents
• Travelers aged 35

2. A two-person trip to the United Kingdom:

• $3,000 per person, $6,000 total
• Travelers aged 65

3. A family of four's trip to the United Kingdom:

• $3,000 per person, $12,000 total
• Two travelers aged 35 with two children, ages 8 and 10

4. A cruise to Alaska for a family of four (including flights):

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money . And follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Find the Best Travel Insurance & Avoid Costly Surprises

• 22 Top-Rated Providers
• Side-by-Side Comparison
• 3 Million+ Travelers Insured

Explore Travel Insurance Types and Quotes

Standard single trip policies.

Our top plan type that covers cancellations, medical emergencies, delays, and luggage, protecting you from purchase to return.

Annual / Multi Trip Policies

A cost-effective choice for frequent travelers, these plans include medical, delay, and luggage benefits, with optional add-ons for trip cancellation or interruption.

Cruise Insurance Policies

Offers comprehensive protection for land and sea trips, with high medical coverage and weather safeguards.

Adventure & Sports Policies

Adrenaline-seeker? No problem. These plans cover lost or delayed sports equipment, cancellations, and medical emergencies.

Quote, Compare, and Go

Finding the best coverage for your trip is easy. Get personalized quotes from top providers in minutes.

Tell us some basic details about your trip to start your quote and we’ll handle the rest.

See how plans from the best travel insurance companies compete side-by-side.

Choose the perfect policy at the lowest price and travel with peace of mind.

Join More Than 3 Million Protected Travelers

Let’s face it, traveling these days can be expensive. That’s why we make it quick and easy to compare affordable travel insurance policies from the nation’s most trusted providers. Since your trip deserves the best coverage, we make sure that every plan on our site is carefully vetted and backed by real customer reviews.

• America’s largest travel insurance marketplace
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Save With Squaremouth

No bias. No hidden fees. All the support. That’s why for 20 years, our customers keep coming back.

What Travel Insurance Benefits Do I Need?

Check out the comprehensive benefits our providers offer and find the perfect policy to meet your travel needs.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great price

"I looked for alternative travel insurance besides Allianz. I'm glad I searched because I got just what I needed and a very good price!"

Kent from MA 06/20/2024

Easy to Use

"Squaremouth makes shopping for travel insurance easy by allowing a side-by-side comparison of policies and offering endlessly customizable filters."

Stephanie from MI 06/12/2024

10 star customer service

"Beyond best in class service levels. The expertise and information shared was amazing."

Susan from GA 06/03/2024

Great selection, Easy choosing

"It's always good to see all choices when decisions about insurance are concerned. I always go to Squaremouth when I need travel insurance."

Spencer from NV 06/03/2024

"Website was easy to navigate. Numerous options for insurance. Excellent filter opportunities."

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

Most Popular Types of Travel Insurance

When it comes to travel insurance, there’s no such thing as a “one-size-fits-all" policy. Discover the different types of travel insurance coverage you should consider for your upcoming trip.

10 Ways to Get Great Coverage For Less

When it comes to travel insurance, more expensive does not necessarily mean better. We uncover 10 proven tactics you can use during your search to lower premiums without sacrificing protection.

Our Travel Insurance Experts are Available

Have questions? We have answers.

What Does Travel Insurance Cover?

Travel insurance is designed to cover out-of-pocket expenses relating to an unforeseen disruption to your trip. The majority of policies sold through Squaremouth are comprehensive and offer coverage for trip cancellations, medical emergencies, significant delays, and mishandled or lost luggage.

How Much Does Travel Insurance Cost?

Comprehensive travel insurance usually costs between 5% to 10% of your insured trip expenses. Factors like your trip cost, age, trip length, and coverage needs can impact pricing . You can lower your premium by comparing plans and choosing policies that don’t include cancellation coverage.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: The situations and expenses that are covered by a travel insurance policy.
• Coverage Limits: The maximum dollar amount that will be reimbursed within each benefit.
• Exclusions: Specific activities, expenses, and scenarios that are not covered in the event of a claim.
• Premium: The cost of the policy for your specific trip.
• Provider Reputation: Based on past customer reviews regarding interactions with assistance services and the claims experience.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance plans cover cancellations for reasons like sudden illness, injury, death of a family member, natural disasters, or unexpected work obligations. Policies with Trip Cancellation benefits usually offer 100% reimbursement for prepaid, non-refundable trip costs.

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Choosing the right travel insurance company can take time. We recommend comparing plans from at least 3-5 providers before buying.

Is Travel Insurance Mandatory for International Travel?

Travel insurance is not typically required when traveling overseas. The majority of travel insurance customers purchase their plans voluntarily for peace of mind and financial protection. With that said, some destinations or organized tours may require proof of international health insurance that lasts for the duration of your trip.

Does Travel Insurance Cover Canceled Flights?

Yes, the majority of travel insurance plans provide reimbursement if your flight is canceled and your travel plans are significantly delayed. You may be eligible for coverage through your policy’s Travel Delay or Trip Cancellation benefit depending on how soon you’re able to be rebooked.

Is Travel Insurance Necessary for International Travel?

Travel insurance acts as a financial safety net as you explore the world. Since most U.S. healthcare plans don’t extend coverage overseas, travel insurance can act as an international health insurance plan that protects you from unexpected medical expenses you may face during a trip. While rare, certain destinations or tour operators may require proof of travel insurance that lasts for the duration of your trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

It depends. Many travel insurance plans exclude coverage for pre-existing conditions, but some offer wavers, if you purchase within 14-21 days of your initial trip deposit. Check your policy details carefully to understand the specifics.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers you for one specific trip and is the most popular choice. Annual Travel Insurance on the other hand, covers multiple trips within a year. If you travel frequently, an annual plan can be more cost-effective and convenient than buying individual policies for each trip.

How Do I File A Travel Insurance Claim?

Each provider will have their own unique claims process. However, most will include the following steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Follow up: Stay in touch with the insurer for updates on your claim status.

View our Claims Center for more information on filing a travel insurance claim.

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Travel Insurance for Domestic Vacations (2024)

Learn about how you can be prepared for the unexpected with travel insurance for your domestic vacations.

in under 2 minutes

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

It is more than common for U.S. residents to plan a vacation within their home country — over 2.29 billion Americans traveled domestically from 2020 to 2021. Domestic vacations are a popular form of travel where you can explore your own country of residence, but do you need travel insurance for domestic vacations?

While you may be more familiar with your home country than another destination, investing in travel insurance can be just as useful as if you were traveling internationally. Keep reading to learn about travel insurance for domestic vacations, including why it is important and how you can ensure you choose the best travel insurance policy for your next trip.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Emergency Medical Care For Domestic Vacations

Although your health insurance is more likely to work domestically than abroad, your coverage may not extend to doctors or hospitals in other parts of the country. Travel medical insurance can bridge coverage gaps by covering medical treatment costs if you are hurt or fall sick on vacation.

Covered emergencies typically include hospital charges, treatments such as surgeries or medicines, ambulance fees and emergency medical evacuations. Some policies also offer a waiver to cover issues related to pre-existing conditions.

Your insurance policy will offer medical coverage up to a certain amount — a minimum of $50,000 to $100,000 is recommended for most travelers. However, you can tailor your travel coverage based on your existing health insurance plan.

Comprehensive travel insurance also includes benefits if you become seriously injured or die during your trip, including medical evacuation coverage and repatriation of your remains. Some policies include the option to add coverage for accidental death and dismemberment, such as with life insurance.

Investing in travel medical insurance may be worthwhile if you would face out-of-network costs for treatment while traveling, are a senior traveler looking to complement Medicare coverage or have pre-existing conditions.

Insurance to Cover Baggage Loss, Delay or Damage

Your travel insurance policy will cover you In the event your baggage is lost, delayed or damaged for reasons outside your control. Your policy will include baggage coverage up to a maximum limit, which you can review when requesting travel insurance quotes.

Make sure to select an insurance policy with a high enough limit to cover the cost of your baggage and possessions. Providers may also offer reimbursement if you experience a baggage delay and need to purchase additional items in the interim.

Some policies will also help you recoup lost travel documents. This coverage offers peace of mind in case something goes wrong with your luggage during a trip.

Insurance for Trip Cancellations and Interruptions

Travel insurance plans often include trip cancellation coverage , which reimburses you for prepaid, nonrefundable costs if your trip gets canceled for reasons outside your control. For example, if your flight is canceled due to a natural disaster or you experience a death in the family. This type of insurance typically refunds partial or full costs related to airfare and accommodations.

Your policy will include fine print with details surrounding the circumstances in which you can claim reimbursement for a trip interruption , delay or cancellation. Many policies will cover events related to the unexpected death of a family member, natural disasters, legal reasons such as jury duty and more.

For more flexibility surrounding trip cancellations, you can also invest in cancel for any reason coverage . Also known as CFAR coverage, this policy add-on allows you to cancel a trip for reasons outside your policy.

Reimbursement of Missed and Delayed Flights

If your flight gets delayed or you miss a connection, travel insurance can reimburse you for prepaid costs and additional expenses you incur due to the interruption. This means you can gain some of your initial trip payment back in the event of a delay or missed connection, but coverage only applies if interruptions occur for a covered reason.

Some trip insurance providers also offer travel assistance services to help you navigate issues while away, like if you need a last-minute hotel after experiencing a flight delay.

Understanding Policy Exclusions and Limitations

Like all types of insurance plans, travel protection comes with coverage exclusions and limitations. However, providers may offer some excluded items as add-on coverage for an additional cost. Examples of common exclusions include the following:

• Mental health-related costs
• Accidents, injuries or death due to drug or alcohol influence
• Injuries from high-risk sports or adventure activities
• Pre-existing medical conditions
• Rental car damage

It’s important to check your insurance benefits for exclusions and adjust your trip coverage if any limitations apply to your itinerary. Understanding the terms and conditions of your travel insurance policy can ensure it offers the level of coverage you need and you qualify for reimbursement should you file a claim.

How Much Does Domestic Travel Insurance Cost?

Travel insurance costs depend on factors such as your personal details, where you are traveling to and the length of your stay. Generally, travel insurance ranges from $35 to $200 per trip . While some providers offer single-trip coverage for one-time travelers, others have multi-trip packages to insure multiple trips within a given timeframe. The best way to determine exact travel insurance costs is to request a quote directly from a provider.

Tips for Choosing the Right Travel Insurance Policy

The below tips can help you choose the right travel insurance coverage for your domestic vacation.

Check the Coverage You Already Have

In some cases, your credit card includes travel insurance coverage. Your health insurance benefits may also extend to your planned location of travel. We recommend speaking with your providers in advance to see what coverage you already have for a domestic vacation before purchasing an additional travel insurance policy.

Determine the Right Level of Coverage

When choosing any travel insurance policy, you want to make sure the coverage is sufficient for you and any traveling companions. This includes medical expenses, baggage loss and trip interruption coverages. For example, if you are planning on traveling with expensive items such as a camera, make sure your insurance will cover the value if something were to happen to your belongings.

Review Travel Insurance Customer Reviews

It’s important to make sure the travel insurance provider you select is reputable and reliable. Reading customer reviews on sites like the Better Business Bureau and Trustpilot is a good way to learn about customer experiences and the claims process.

Consider Policy Deductibles and Exclusions

Depending on the type of coverage you select, your travel insurance policy may include a deductible. Should you file a travel insurance claim on your insurance, the deductible is the amount you will have to pay before your travel insurance kicks in. Considering the price of your deductible beforehand can help ensure you can afford the payment if you have to file a claim.

Also check that your policy does not include any exclusions that could limit your coverage and that the coverage limits meet your travel needs.

Filing a Travel Insurance Claim

The following steps outline the general process should you need to file a claim on your travel insurance. Your experience may vary depending on your provider.

Contact Your Insurance Provider

The first step you’ll need to take to file a claim is to contact your insurance provider. Your policy information should include details regarding which number to call in the event of any incident. You may also be able to file a claim online. Keep this information handy during your trip.

Provide Your Policy Number and Incident Details

Once you contact your insurance, it will likely ask for your policy number, which you can find in your policy documents, and details of the incident. This information will help your provider develop a better understanding of your coverage and necessary next steps.

Submit a Claims Form and Supporting Evidence

Your travel insurance provider will send you a claims form to complete and submit alongside any evidence related to your incident, such as purchase receipts. Make sure you have copies of all submitted documentation should you need to refer back to the claim in the future.

Is It Worth It To Purchase Travel Insurance For a Domestic Trip?

Purchasing travel insurance for your domestic vacation can ensure you have coverage in case of unforeseen events, like travel delays , canceled flights or lost baggage. While there are many benefits to investing in trip protection , it is ultimately up to you to decide if a policy is worth it for your travels. Travel insurance for a domestic vacation can not only provide peace of mind but also help mitigate financial loss if you experience a trip interruption.

Purchasing a policy from leading companies such as Allianz , AXA Assistance USA or Travelex can ensure you receive comprehensive coverage from a reputable provider. We recommend requesting free quotes from at least three companies before selecting a policy.

Frequently Asked Questions About Domestic Travel Insurance

Does domestic travel insurance cover flight cancellations.

Most standard travel insurance policies for domestic trips will cover flight cancellations and delays. You can also receive compensation from your airline if flights get interrupted for reasons outside your control.

What is the best travel insurance company?

There are a variety of travel insurance companies that offer domestic vacation policies, and the best option for you depends on your coverage needs and budget. We suggest researching the top travel insurance providers and comparing policies to make an informed decision as to which is the best. Or if you’re on a budget, check out the most affordable travel insurance options.

Does travel insurance cover costs related to the COVID-19 pandemic?

Many travel insurance policies cover certain costs if you get COVID while traveling, such as quarantine and medical expenses. However, we suggest checking with your provider to determine the exact details of your policy’s COVID-19 coverage .

Do I need travel insurance for international travel?

Like with domestic travel, purchasing trip protection for an international destination is up to you. However, some countries may require you to purchase travel insurance as an entry requirement. Regardless, travel insurance can help cover medical costs abroad and offer other benefits if the unexpected happens during your international trip.

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Resources:

June 1, 2020

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Best Cheap Travel Insurance of June 2024

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In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Best Cheap Travel Insurance Plans

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation:  Aegis General Travel Insurance
• Best for medical-only coverage:  GeoBlue Travel Insurance
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Best Cheap Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best for trip cancellation: Aegis General Travel Insurance

The Aegis General Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review here.

Best for medical-only coverage: GeoBlue Travel Insurance

GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance. Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums. A 30-year-old from California would pay as low as $20.55 for a policy that covers a two-week trip. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs.

Read our GeoBlue travel insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, dropping trip cancellation coverage and travel inconvenience coverage. It's a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel insurance aggregator SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

Why You Should Trust Us: How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

What company offers the cheapest travel insurance?

If you just want trip cancellation protection, go with the Aegis Trip Cancellation plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• Best for adventure traveling
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in July 2024

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Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies of 2024 Summary

• Best Overall: Nationwide Travel Insurance
• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance
• Best for Road Trips: Travelex Travel Insurance
• Best for Adventure Sports :  World Nomads Travel Insurance

Top Travel Insurance Companies Comparison

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Best Overall Travel Insurance

Nationwide travel insurance.

Nationwide is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review .

Best Travel Insurance Runner-Up

Axa assistance usa.

AXA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review .

Best Travel Insurance for Cruises

Travel guard.

AIG is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review .

Best Travel Insurance for Reputation

C&f travel insured.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review . 

Best Travel Insurance for Pre-Existing Conditions

Tin leg travel insurance.

Tin Leg is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review .

Best Travel Insurance for Digital Nomads

Worldtrips travel insurance.

WorldTrips has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review .

Best Travel Insurance for Affordability

Trawick international travel insurance.

Trawick is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review .

Best Travel Insurance for Road Trips

Travelex travel insurance.

Travelex offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review .

Best for Adventure Traveling

World nomads travel insurance.

World Nomads distinguishes itself from others by covering over 300 sports and activities, from skydiving to golf. Additionally, its one of the few travel insurance companies that allow you to purchase after departing for your destination. However, you'll have a 72-hour waiting period before coverage kicks in.

That said, World Nomads doesn't have the highest coverage limits compared to its competitors on this list. It also doesn't have the most customization, only providing two plans to choose from with no options for pre-existing condition coverage. Yet, World Nomads still stands out for its sports coverage and post-departure coverage.

Read our World Nomads review .

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

For adventure sports coverage, you'll want to look at World Nomads , which covers over 300 sports.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Domestic travel insurance: Australia

Domestic travel insurance starts from $2.60 a day. get cover for flight cancellations, lost luggage, covid disruptions and more..

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Is domestic travel insurance worth it?

What does domestic travel insurance cover, cheap domestic travel insurance: insureandgo, domestic travel insurance and covid-19, good reasons to get domestic travel insurance in australia, compare domestic travel insurance, why compare domestic travel insurance with finder, how to find cheap domestic travel insurance, what's not covered with domestic travel insurance, frequently asked questions, what you need to know.

• Domestic travel insurance covers you for unexpected costs while travelling within Australia.
• Thanks to your medical costs already being covered by Medicare or insurance, domestic policies are generally cheaper.
• Cover starts from around $2.60 a day, so it offers decent value.

Domestic travel insurance is generally worth taking out, although it's not always a no-brainer like international travel insurance is. That's because you should already covered for medical care in Ausrtalia, either with Medicare or an OVHC policy, if you're here on a visa.

Domestic tourism is always increasing - November 2023 saw 9.2 million overnight trips , up 8% from the year before. That's 9.2 million opportunities for luggage to get lost, plans to get interrupted or unexpected costs to crop up.

Delays and cancellations

30% of Australians have had issues with a low-cost carrier in the past 12 months, according to Finder research. Domestic travel insurance can cover you for cancelled or delayed flights .

COVID-19 expenses

Lots of domestic travel insurance policies now cover COVID-related expenses e.g. if you need cancel or rearrange your trip because you catch COVID.

Luggage and personal belongings

Comprehensive travel insurance policies cover lost and delayed luggage . This could be a really helpful benefit when travelling in Austrlia. According to Finder's latest 2023 research, almost 8% of Australians have lost personal items when travelling.

What's good about InsureandGo?

• It's very cheap. Out of 23 insurers, its Domestic Gold policy is typically $180+ less than average.
• The Bare Essentials option cost $2.60 a day for a 2 week trip. That makes it the cheapest policy on Finder.
• The Domestic Gold option won Finder's domestic travel insurance award . It covers up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs, and $7,500 for rental car excess cover.
• As the name implies, Bare Essentials covers well, the essentials - $2,000 for cancellations, $2,000 for lost luggage and it can cover pre-existing conditions with an assessment.
• The Bare Essentials option is probably fine for short trips. It might not be enough for longer holidays.
• The product disclosure statement is confusing. Unfortunately, this is an issue with many travel insurers.

Why Gary selected InsureandGo Travel

Domestic Gold

The insurance team analysed 23 comprehensive domestic travel insurance policies as part of the 2023 Finder Awards. We rated policies on both price and 14 different features. InsureandGo's Domestic Gold was one of the cheapest comprehensive policies.

Bare Essentials

The Domestic Bare Essentials was the cheapest policy available on Finder. We used our travel insurance engine to compare quotes. The cheapest policy was based on a 2 week trip for a 30 year old.

Lots of domestic travel insurance policies cover COVID-related expenses . These can include:

• Trip rearrangement or cancellation costs if you, a fellow traveller or your host gets COVID and it impacts your trip
• Expenses if you're unexpectedly forced into quarantine during your trip
• A prepaid activity that's booked in Australia or New Zealand is shut down
• Extra child care costs if you get COVID

Brands with covid benefits for domestic trips

Yes, you've got Medicare but there are lots of other ways travel insurance can come in handy:

• Cancellations. This can include anything you've pre-booked – flights, accommodation, excursions and more.
• Luggage. Lost and delayed luggage has been more common since COVID. Travel insurance can cover essentials so your trip isn't disrupted.
• Hiring a car. Rental car excess cover is often included in your domestic travel insurance policy so you can avoid the pricey insurance at the dealership.
• Snow trips. Most brands offer ski insurance policies that will cover your equipment and reimburse you for unused lift passes if something goes wrong. There are similar policies for golfers too.

There are loads of domestic travel insurance policies to choose from. While most cover similar situations, you will find some differences with price and benefit limits. It's also often the case that certain benefits are automatically included or offered as add-ons.

Here is a list of some of our partners and how their domestic policies compare. The policy cost is based on a hypothetical 7-day trip taken by a 28-year-old traveller between 5 and 12 July 2024.

We compare prices from more travel insurance brands than any other site in Australia

You pay the same price as buying directly from the travel insurer

We don't ask for your phone or email to see prices

Our travel insurance engine and expert picks makes it easy to find domestic cover

Finding a cheap domestic travel insurance policy shouldn't be difficult. Here are a few simple ways you can reduce your domestic travel insurance premium:

• Buy a bare-bones policy. Some insurers offer budget policies that only cover you for the most costly risks, like needing to cancel your trip or cut it short due to an emergency. Obviously, you won't be covered for as much, but if you're looking to save, this is the easiest way to do it.
• Increase your excess. You can reduce your premium by agreeing to pay a higher excess on your claims. Just don't increase your excess to a level you'd have a hard time paying.
• Bargain shop. Insurers often run special promotions. If you look hard enough, you'll find coupon codes , giveaways and loyalty incentives.
• Buy a joint policy. Many insurers will give you a discount if you and your travelling companion (be it friend or partner) take out a policy together . You'll each receive full benefits in most cases.
• Don't add options you don't need. Some people need extra cover, especially if their trip involves expensive hobbies like skiing. But if your flights and activities didn't cost much, you can go with a more no-frills policy instead.
• Shop around. It definitely pays to weigh your options. Once you've determined what you need, comparing policies becomes much easier. Review your options carefully and pay attention to each policy's features, limitations and exclusions.

Because of Australia's public healthcare system, Medicare, domestic travel insurance rarely provides medical cover. As well as this, insurers will provide you a list of circumstances that will void your cover . These are called exclusions. Here are some you may encounter:

• You didn't disclose a pre-existing condition. You'll be denied for claims related to pre-existing conditions unless your insurer approved it ahead of time. If you have an ailment, tell the insurer before signing up.
• You were careless with your belongings. Don't leave your stuff unattended. If it's stolen, the insurer won't replace it.
• You acted recklessly. Say goodbye to your claim if you're drunk or high , or if you break the law.
• You ignored medical advice. If the doctor says don't travel, you should probably listen. It's dangerous to your health and your claim.
• You cancelled your trip for no good reason. Your insurer won't reimburse you just because you changed your mind about travelling .

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top domestic travel insurance tips

• Your health insurance will cover you for injuries while in Australia, but you still need travel insurance to deal with unexpected cancellations and lost luggage.
• One other common trap? Remember, you're not covered by Medicare on a cruise, even if it's only in Australian waters.
• Shop around - there are big differences in the costs of policies with similar inclusions.

Why you can trust Finder's travel insurance experts

Flights in and around Australia can often be quite affordable, so it's tempting to assume it's worth the risk to travel uninsured. It really comes down to how much you're willing to risk. In the current post-lockdown environment, with flights frequently being cancelled and luggage being lost, it's a really good idea to get travel insurance even if you're only travelling within Australia.

Is medical evacuation and repatriation covered by domestic travel insurance?

Only a select few brands will cover you for medical evacuation by road or air if you need it in Australia. Our researchers found that Travel Insurance Direct will cover up to $50,000 in expenses for medical evacuation or repatriation on home turf. If you're cruising on Australian waters and want to be covered for emergency medical evacuation, you'll typically need to purchase a comprehensive international travel insurance policy. Remember to read the fine print in your PDS to find out how you're covered.

Read more about Travel Insurance Direct .

Will I be covered by Medicare if I go to see a doctor in another state?

Yes. Medicare will cover you regardless of what state you are travelling in. Because domestic travel insurance policies don't need to cover medical expenses, they are typically a bit cheaper than international policies. The only thing you might want to check is if your ambulance health cover includes all states.

I am over 70. Can I take out cover?

Yes. Most insurers will cover you if you're over 70 years. In some cases you may be required to submit details of your medical history in order to take out cover.

Do I have to be a certain distance from my home for cover to apply?

In most cases, yes. Most insurers will require you to be at least 200km from your place of residence for your domestic policy to apply.

Is cover on my credit card enough?

Most credit cards don't offer cover for domestic travel, only for international trips. That said, there are some cards that will offer cover for cancelled flights, delays and missed connections. Find out more about how credit card travel insurance compares to standalone cover .

I'm taking a cruise in Australian waters. Is domestic travel insurance enough?

You will not be covered by Medicare or private health insurance for any medical-related losses while at sea, even if travelling between Australian ports, so you'll need an international policy. Learn more about cruise travel insurance .

Is Norfolk Island covered under domestic policies?

There are no Medicare benefits for Norfolk Island so you will need an international policy. As an example, for the provider Covermore, this would fall under region Indonesia, South West Pacific, Norfolk Island and New Zealand.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

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Domestic Travel Insurance USA – Comparison and Reviews

Home | Travel | Domestic Travel Insurance USA – Comparison and Reviews

When traveling abroad, get a policy from one of the  best travel insurance companies . You can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Getting domestic travel insurance for the US is just as important as purchasing travel insurance for all of your international travels. Travel mishaps, such as missed flights, lost luggage, and sudden illness, can happen no matter where you’re traveling, so it’s always good to have insurance coverage, even if you’re just traveling domestically within the US.

Domestic travel insurance for the USA covers you for trips you take within the US and provides coverage for many of the same things that international travel insurance does, such as trip interruptions and delays or medical emergencies. Travel insurance with COVID-19 coverage is also useful for domestic travel.

Since the pandemic outbreak, we have been traveling only within the US and we have compared all the options to determine which is the best domestic travel insurance. For our trips to Utah, California, and Alaska, we purchased the World Nomads plan since this company provides the best domestic travel insurance for the USA . They offer excellent coverage that is as good as other, much more expensive policies, while still being affordable.

If you’re traveling abroad, then check our guide on best travel insurance for Americans.

What Is Domestic Travel Insurance?

You may be wondering, what is domestic travel insurance? US domestic travel insurance is travel insurance for American citizens and residents who are traveling within the US. Domestic trip insurance ensures that you’re still covered for common travel situations that may arise, such as trip cancellation, baggage loss, and more.

So what’s the difference between domestic insurance and general travel insurance? Both cover baggage loss; trip cancellation, delay, and interruption; emergency medical expenses; and evacuation and repatriation. However, domestic travel insurance is for trips within the US that are at least 100 miles away from your residence, while general travel insurance is for international travel.

Does travel insurance cover domestic travel? The best travel insurance companies offer policies that cover both domestic and international travel.

Do I need travel insurance for domestic travel within the USA?

Having domestic travel insurance is always a good idea. Your flight might be delayed due to bad weather. You may twist an ankle as you’re hiking on a steep path. Your luggage might get lost or delayed on its way to your destination.

Plenty of unexpected things can happen, no matter where you’re traveling, so it’s always safer to have domestic travel insurance for the USA .

What Does Domestic Travel Insurance Cover?

There are many different coverage aspects to domestic travel insurance , including:

Domestic Trip Cancellation Insurance

One of the most important things domestic insurance provides coverage for is domestic trip cancellation insurance , which covers trip cancellation, interruption, and delay.

That means if you need to cancel, interrupt, or delay your trip because of circumstances that are out of your control, such as sudden illness, death, bad weather, or more, you will be covered.

Some domestic travel insurance also allows you to add Cancel for Any Reason coverage, which gives you even more flexibility. With Cancel for Any Reason coverage, you can cancel your trip for any reason up to 48 hours before the trip and get reimbursed up to 75% of your insured trip cost.

Domestic Flight Cancellation Insurance

Flights can get interrupted, canceled, or delayed due to bad weather, or sudden, severe illness may necessitate changing your travel plans.

There’s no point in paying for any of these expenses yourself when domestic flight cancellation insurance can cover any flight cancellations, interruptions, or delays and any fees associated with them, such as accommodation and food expenses.

Domestic flight cancellation insurance can also give you the peace of mind that comes with knowing that you’re covered no matter what happens with your flights. Don’t take the risk of assuming that nothing will go wrong with a domestic flight – make sure you’re covered by domestic flight cancellation insurance .

Domestic Air Travel Insurance

There’s nothing more inconvenient when you’re traveling than losing your suitcase and having to scramble to buy new toiletries and clothes. Luckily, besides flight interruptions, cancellations, and delays, domestic air travel insurance also covers baggage loss and delays.

Domestic travel insurance can also cover lost or stolen baggage that is not a result of air travel, so even if you’re road-tripping or taking a bus and you lose your expensive laptop and favorite summer clothes, you’ll be covered.

Domestic Travel Health Insurance

Don’t underestimate the value of having domestic travel health insurance with emergency medical expense coverage. Sprained ankles, broken bones, and food poisoning can happen anytime and anywhere.

As you probably know, medical treatment can be very expensive in the US. Unfortunately, it may be the case that your primary insurance provider does not provide coverage outside your local area, or that the state where you receive treatment does not accept your insurance.

Without domestic travel health insurance , you could be treated as out-of-network and have to pay large fees out of pocket.

However, if you purchase domestic travel medical insurance , you will always have that coverage in case your primary insurance provider doesn’t cover you where you are in the US. Additionally, if your primary insurance only covers part of your medical fees, domestic travel medical insurance can help you cover the rest of them.

Domestic Travel Dental Insurance for the USA

Maybe you trip, fall, and lose a couple of teeth. Or you’re playing volleyball, the ball hits your face hard, and you chip your tooth. Either way, domestic travel dental insurance has got you covered if any dental emergencies arise.

As with domestic travel health insurance , domestic travel dental insurance for the USA can cover you whether your primary insurance partially covers you or doesn’t cover you at all.

Domestic Travel Insurance Comparison

Your domestic travel insurance quote depends entirely on several factors: your age, your state of residence, the length of your trip, and the cost of your trip. In general, the younger you are and the shorter and less expensive your trip is, the cheaper your domestic travel insurance will be.

In order to help you buy domestic travel insurance , I’ve created a domestic travel insurance comparison chart to show you insurance policies’ different prices and features. In order to get the quotes for the comparison, I’ve used the example of a 30-year-old American male who lives in Pennsylvania and is traveling around the US for two weeks, with a trip cost of $2,500.

* Price used for example. Price of the domestic travel insurance will vary depending on the trip cost selected.

Best Domestic Travel Insurance USA

Now that you’ve seen the domestic travel insurance comparison , you’ll know that World Nomads is the best domestic travel insurance for the USA. Their policy has the best coverage-to-price ratio since they offer the same amount of coverage as other, more expensive policies while still being affordable.

Also, I have needed to use their over-the-phone customer support a couple of times, and they have always been very responsive and easy to deal with claims.

Now, let’s get into each domestic insurance company and what their policies cover.

1. World Nomads , the best domestic travel insurance for the USA

The best domestic travel insurance for the USA is definitely World Nomads . They offer excellent coverage that is as good as other, much more expensive policies, while still being affordable.

Their Standard plan was the one I used for the comparison and for my last trips, but they also have an Explorer Plan, which is more expensive but has higher coverage. Both plans include emergency medical and dental coverage, evacuation and repatriation, trip cancellation, trip interruption, trip delay, and baggage coverage.

Both World Nomads plans also include adventure sports and activities coverage, so it’s the perfect domestic travel insurance for adrenaline junkies and adventurous folks. However, neither plan offers Cancel for Any Reason coverage.

2. IMG , the best domestic travel medical insurance

IMG is the option for you if you want the best domestic travel medical insurance . Their iTravelInsured Travel LX plan offers the highest amount of Emergency Medical coverage. It also allows you to add optional Cancel and Interruption for Any Reason coverage, which means that you can cancel or interrupt your trip for any reason 48 hours or more before departure and be reimbursed 75% of your insured trip cost.

Their iTravelInsured Travel LX plan even includes Cancel for Work Reasons coverage, so you can get reimbursed if you have to cancel your trip due to getting transferred, terminated, or other work-related reasons.

However, the iTravelInsured Travel LX plan is expensive and you can get similar coverage from World Nomads for much cheaper. On top of that, adding Cancel or Interruption for Any Reason coverage will make your plan even more expensive.

IMG offers two other plans, iTravelInsured Travel Lite and iTravelInsured Travel SE, which are both cheaper but provide lower coverage and don’t include the Cancel and Interruption for Any Reason coverage option.

3. Travelex , the cheapest domestic travel insurance for the USA

If you want the cheapest domestic travel insurance for the USA , Travelex is for you. Their Travel America plan is affordable, basic, and gets the job done.

The Travel America plan offers Trip Inconvenience coverage and even includes a Frequent Traveler Benefit. It also offers good Baggage Loss coverage. However, their coverage for Emergency Medical Expenses, Trip Cancellation, and Trip Interruption is very low, especially compared to World Nomads , which is similarly priced.

Travelex’s two other plans, Travel Basic and Travel Select, are both more expensive but offer a higher amount of coverage, particularly for Trip Cancellation and Trip Interruption. Still, none of these plans offers a Cancel for Any Reason upgrade.

4. AIG , the best domestic travel insurance USA for flexibility

AIG is a great domestic travel insurance if you want flexibility. If you plan on taking a cruise instead of flying, their Travel Guard Preferred plan offers Cruise coverage. The plan comes with Cancel for Work Reason coverage and Missed Connection coverage, and can also be upgraded to include Cancel for Any Reason coverage.

However, AIG is the most expensive domestic travel insurance by far, and adding Cancel for Any Reason coverage will only make it more expensive. World Nomads offers similar or better coverage for a much more affordable price.

AIG also has the more affordable Travel Guard Essential plan, with even more basic coverage, and the more expensive Travel Guard Deluxe plan with a higher amount of coverage.

5. World Trips, the best domestic travel insurance USA for seniors

The best domestic travel insurance for seniors is World Trips , which includes good coverage for Emergency Medical Expenses. It’s also one of the best travel insurance for pre-existing conditions.

Like AIG, World Trips’ Atlas Journey Preferred Plan includes Cruise coverage and the option of Cancel for Any Reason coverage. It also includes Travel Inconvenience coverage. However, World Nomads offers pretty much equivalent coverage in terms of Emergency Medical, Trip Interruption, Trip Cancellation, and Baggage Loss for a more affordable price.

Other plans include Atlas Journey Economy and Atlas Journey Premier. World Trips’ Atlas Journey Economy is their most affordable plan, while Atlas Journey Premier is their most expensive.

Conclusion: Is Domestic Travel Insurance Worth It?

The ultimate question about domestic insurance is probably: is domestic travel insurance worth it? The answer is: yes, it is.

It’s easy to believe that nothing will go wrong because you’re traveling within your own country, but accidents and unforeseen events can happen anywhere. With any of the best domestic travel insurance for the USA that I’ve discussed, you can rest assured that you’ll be covered should any travel mishap arise while you’re traveling around the US.

I have traveled with World Nomads for my most recent domestic trips. However, feel free to do your research and decide which is the best domestic travel insurance for you.

I hope this article helped you learn more about domestic travel insurance for the USA . If you have any questions, leave a comment below and I’ll happily answer your question!

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Do I need travel insurance for my summer vacation? It's complicated.

• Travel insurance can be complicated, but it's worth it if you have travel expenses that insurance would cover.
• You might not need travel insurance if you're taking a driving vacation and staying in a place where lodging is free.
• If you're leaving the country, you'll likely need travel insurance.

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If you're planning to travel somewhere this summer, you're probably thinking of buying travel insurance.

Kingsley Hopkins is. He's headed to Portugal and Iceland with his girlfriend, and he wants to make sure he's covered for things like medical emergencies or trip disruptions, "or if a volcano erupts," he said.

Check out   Elliott Confidential , the newsletter the travel industry doesn't want you to read. Each issue is filled with breaking news, deep insights, and exclusive strategies for becoming a better traveler. But don't tell anyone!

But getting the right travel insurance can be complicated. There's no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Learn more: Best travel insurance

Chances are, so have you.

Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that's busy.

At the same time, danger and uncertainty are lurking everywhere – wars in Europe and in the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It's no wonder people are giving some serious thought to insurance. 

Older travelers are particularly worried. And they should be, said PK Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

Warning: American tourists are being profiled. Don't be one of them.

Try this pro trick for an affordable and stress-free summer vacation

"According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities," he said.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and standalone travel insurance. What should you get?

You need peace of mind 

But don't just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind – knowing that if something goes wrong, you'll be taken care of.

"Knowing you're protected from unforeseen travel mishaps – like delays, lost baggage and even medical emergencies – can make the trip that much more enjoyable,” said Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don't need insurance

Here's when you can skip travel insurance, according to experts:

• If you already have coverage. "You may already have travel coverage through your benefits at work, your credit card, or through group benefits with an organization," said Jiten Puri, CEO of PolicyAdvisor.com. If you do, there's no need to buy more coverage. You're all set.
• If you're not traveling far. If you're taking a driving vacation and staying in a place where lodging is free, like a relative's sofa, then there's not much to insure. "If you already have health insurance, it may cover you for a domestic trip, so you don't need to think about health insurance coverage," said Joe Cronin, CEO of International Citizens Insurance .
• If your trip isn't insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying "yes" to optional travel insurance that your online travel agency may offer you when you're booking a trip. You might not need it.

Here's when you need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here's when you need the extra coverage:

• If you have travel expenses that insurance would cover. "If you have many prepaid, nonrefundable expenses, it's best to take out travel insurance," said Lauren Gumport, a spokeswoman for Faye Travel Insurance ."This includes things like flights, hotel rooms, tickets and activities." The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.
• If you're leaving the country. "Your regular medical insurance might not extend coverage beyond your home borders," said John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka, and some European countries.
• If you can't afford to lose your trip. "When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions or emergencies," explained Robert Gallagher, president of the US Travel Insurance Association (USTIA). "Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?"  

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

Should you repeat your vacation? Let's settle this once and for all.

Junk fees: Travelers are drowning in junk fees during the summer of surcharges

How one traveler insured his summer vacation

So, how did Hopkins handle his travel insurance needs? Well, as I mentioned – it's complicated.

Hopkins said he always buys some travel insurance before he takes a trip, "but how much, and what I cover, varies," he explained.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something went wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

"We’re going to be doing a lot of hiking in Iceland," he said. "And you just never know." 

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened. 

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

"I’ve heard good things about them," he said. "Hopefully, we won’t need any of it."

How do I insure my trips?

I'm on the road about 360 days a year, so I'm always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a long-time Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know – that's a lot of peace of mind. 

But I've also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, New Mexico, a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott  is an author, consumer advocate, and journalist. He founded  Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes  Elliott Confidential , a travel newsletter, and the  Elliott Report , a news site about customer service. If you need help with a consumer problem, you can  reach him here  or email him at  [email protected] .

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

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Cheap Full Coverage Car Insurance for 2024

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Full coverage is a term used to describe a car insurance policy that includes your state’s minimum requirements, plus comprehensive and collision insurance.

The best way to get cheap full coverage insurance is to shop around and compare quotes from at least three insurers.

Full coverage car insurance isn’t a specific type of policy, but a combination of coverage types that typically includes liability, comprehensive and collision insurance. If you have a loan or lease, your lender likely requires you to have it.

» MORE: What is full coverage car insurance?

See what you could save on car insurance

Finding the cheapest full coverage car insurance.

Because it combines several types of coverage, finding cheap full coverage insurance can be tough. For example, full coverage car insurance can cost more than triple the price of minimum required coverage. That’s why it pays to shop around.

Cheap full coverage auto insurance companies

Here are average prices for full coverage insurance from nine of the largest car insurance companies, nationwide, according to NerdWallet’s June 2024 analysis:

*USAA is only available to military, veterans and their families.

At a median annual rate of $1,279 , or $107 a month, American Family offers the cheapest full coverage car insurance.

You can save a significant amount of money by picking the cheapest company available out of the nine listed above, which are among the biggest auto insurers in the nation.

Going with a smaller, regional insurer can often save you even more. While state availability can be limited, smaller companies can often be cheaper than a large insurer. For example, NJM is only available in five states but has an average rate of $1,490 a year for full coverage.

Continue reading to see more full coverage car insurance rates for:

The cheapest best full coverage car insurance.

The cheapest company in each state.

The cheapest full coverage insurance for drivers with an accident or DUI on record.

The cheapest full coverage insurance options for drivers with poor credit.

Full coverage auto insurance can be pricey. If you’re looking for the cheapest car insurance, period, check out NerdWallet's analysis of cheap car insurance for state-mandated minimum coverage.

» MORE: NerdWallet’s auto insurance reviews for 2024

NerdWallet’s editorial team analyzed full coverage car insurance rates from pricing analytics company Quadrant Information Services. Our analysis looked at 35-year-old drivers in all ZIP codes across the 50 U.S. states and Washington, D.C., with a variety of driving and credit histories. All drivers had a 2021 Toyota Camry LE .

The cheapest best full coverage car insurance companies

Price is likely a major factor when deciding which insurance company to choose, but it shouldn’t be the only one. In fact, the best full coverage insurance providers may not be the cheapest. If you want cheap full coverage insurance without sacrificing customer service, compare the average rates for full coverage car insurance from NerdWallet’s best car insurance companies.

All of these companies earned a NerdWallet 5-star rating. Keep in mind that not all companies offer policies in every state.

American Family : $1,279 per year.

Amica : $2,281 per year.

Auto-Owners : $1,420 per year.

Geico : $1,306 per year.

NJM : $1,490 per year.

Shelter: $1,569 per year.

State Farm : $2,006 per year.

Travelers : $1,405 per year.

USAA : $1,259 per year. (USAA is available only to military, veterans and their families.)

Cheap full coverage insurance for different drivers

A lot of factors go into determining each person’s car insurance rates, including their state, driving history and credit history. NerdWallet put together the companies with the cheapest average full coverage rates for different driver profiles to give you a better picture of what you might expect to pay for full coverage car insurance.

Cheap full coverage car insurance companies by state

Your location can have a big effect on how much you pay for full coverage auto insurance. For example, our average car insurance cost analysis showed that drivers in Florida pay over three times as much for full coverage insurance as those in Wyoming.

Looking for the most affordable full coverage insurance in your state? Here are the cheapest insurers, on average, in all 50 states and Washington, D.C.

Cheap full coverage auto insurance for drivers with an accident or DUI

Among large insurers, Travelers has the cheapest full coverage insurance rates, on average, for non-military drivers who caused an accident. American Family has the cheapest rates for drivers with a DUI.

Here are average full coverage rates from the largest insurers in the nation for drivers with one at-fault accident or a DUI.

Full coverage car insurance for drivers after an accident

Full coverage car insurance for drivers with a recent dui.

It pays to shop around and compare full coverage auto insurance quotes from multiple companies, including smaller insurers. Sometimes a lesser-known company may be able to save you even more. As an example, Erie ’s average full coverage rate for drivers with one at-fault accident is $1,588 , while Root ’s average rate for drivers with a DUI is $1,424 .

» MORE: The best cheap car insurance

Cheap full coverage car insurance for drivers with poor credit

You may not realize that your credit history can affect car insurance costs, sometimes drastically. Insurers use credit-based insurance scores to determine how likely you are to file a claim. A credit-based insurance score takes into account a driver’s credit history when pricing rates.

California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.

Finding cheap full coverage car insurance is still possible even with less-than-stellar credit. You’ll just want to compare car insurance rates to find the most affordable policy.

Here are average full coverage rates from the largest auto insurance companies for drivers with poor credit.

If you have poor credit, be sure to shop around and compare quotes from multiple insurers, including lesser-known companies. Sometimes a smaller company will offer a cheaper rate than a larger insurer. For example, drivers with poor credit may be able to get full coverage from The Hartford for as low as $1,550 per year, on average.

How full coverage car insurance works

“Full coverage” is a term used to describe an auto insurance policy that covers damage from a variety of situations. It’s typically a combination of three different coverage types: liability , comprehensive and collision insurance .

Comprehensive and collision insurance each come with a deductible , which is the amount of money you’re responsible for in the event of a claim.

While most states require a minimum amount of car insurance to drive legally, those minimums probably won’t cover any damage to your car. If someone else hits your car, the other driver’s insurance will likely pay for the damage. But in any other situation — including if you cause an accident — you’ll probably need full coverage insurance to pay for damage to your vehicle.

For example, let’s say a tree falls on your car during a storm. You would need an auto policy with comprehensive insurance to cover the repair costs. If your deductible is $1,000 but the fallen tree caused $5,000 worth of damage to your car, you’ll pay the $1,000 deductible and your insurance will cover the rest.

Without full coverage car insurance, you’d be responsible for the full $5,000.

To learn more about the different types of auto insurance and what they cover, use our tool below.

How to find cheap full coverage auto insurance

If you’re looking to save money by getting the cheapest possible car insurance, here are six things you can try:

Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the most affordable insurance, but prices can change, so check roughly once a year.

Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with another insurance policy, insuring multiple cars or being a student.

Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved from the city to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.

Raise your deductible. The higher your deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that, by raising your deductible, you’ll  lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever file a claim.

Shop for quotes after your driving record improves. Shop for cheap car insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.

Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.

» MORE: How to get the cheapest car insurance rates possible

Comparing full coverage car insurance quotes

When you shop for car insurance from different companies, it’s important to compare car insurance quotes for the same coverage. Otherwise, you might think you got a good price from one insurer, only to discover that you don’t have enough coverage when you need to actually file a claim.

When comparing full coverage auto insurance quotes, be sure to:

Use the same deductibles and liability limits across quotes for an apples-to-apples comparison.

Choose a deductible amount you could afford when selecting collision and comprehensive coverage. That way, you won’t be scrambling for cash to cover your deductible if you need to file a claim.

Compare add-on coverage details. Options like gap insurance , accident forgiveness and pet injury coverage vary from one insurer to the next. Be sure to check each company’s website for details and restrictions about add-ons that matter to you.

Provide the same information every time. If you’re using multiple tools to get full coverage insurance quotes, make sure the drivers, cars, address and driving history all match.

Get quotes from three or more insurers. The more insurers you gather quotes from, the greater your odds of finding the cheapest full coverage car insurance for you.

» MORE: Get free car insurance quotes

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology .

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance .

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are median rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.

$300,000 bodily injury liability coverage per crash.

$50,000 property damage liability coverage per crash.

$100,000 uninsured motorist bodily injury coverage per person.

$300,000 uninsured motorist bodily injury coverage per crash.

Collision coverage with $1,000 deductible.

Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

For drivers with a DUI, we added a single drunken-driving violation.

For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

On a similar note...

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