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Pros And Cons

Travelers Insurance Pros

Travelers Insurance Cons

Offers several standard and add-on insurance options

Not as affordable as competitors

Several discounts available for good students and responsible drivers

Not available in all states

A++ financial strength rating from A.M. Best

Drivers can participate in Travelers’ IntelliDrive® program

How We Rate Travelers

Cost

4.4

Coverage

4.8

Reliability

4.5

Service

4.3

Overall Rating

4.5

Travelers is one of the 10 largest insurance companies in the nation, according to the National Association of Insurance Commissioners (NAIC). The company offers standard auto insurance coverage as well as extensive add-on options, which is why we named it Best Coverage Options in our industry review for 2022. Additionally, Travelers insurance reviews show the company has a positive standing with customers.

Our experts will provide you with an in-depth look at Travelers auto insurance, including a deep dive into the company’s cost, coverage and customer reviews. We’ll also explain why we named it one of the best car insurance companies in the nation.

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Travelers Car Insurance Review Highlights

Founded: 1864
Parent company: Travelers Property Casualty Corp.
States available: 43
AM Best financial strength rating: A++
Insurance types: Auto, home, renters, boat and yacht, travel, and pet

Founded in 1864, Travelers is one of the oldest insurance companies in the world. The company became the first to sell more than one type of insurance, adding life insurance after its founding as an accident insurance company.

The company currently operates in 43 states, with 13,500 insurance agents available worldwide. Travelers currently sells:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Boat and yacht insurance
  • Travel insurance
  • Pet insurance

Travelers Car Insurance Cost And Discounts

Our cost estimates for full coverage policies show that drivers with clean records and good credit scores typically pay $1,617 annually for Travelers car insurance. This is slightly lower than the national average, which is $1,732 for a full coverage policy.

We included annual rate estimates below to help you get an idea of how much car insurance costs with Travelers in states where it’s available. The cost estimates are based on a 35-year-old married driver with a clean driving record and good credit scores.

State

Annual Rate Estimate

State

Annual Rate Estimate

Alabama

$1,269

Arizona

$1,543

Colorado

$1,503

Connecticut

$1,548

Delaware

$1,258

Florida

$2,471

Idaho

$1,050

Illinois

$1,347

Kansas

$1,461

Kentucky

$1,480

Maine

$924

Maryland

$1,684

Massachusetts

$2,675

Minnesota

$1,509

New Jersey

$2,376

North Carolina

$1,262

Nevada

$2,296

New York

$3,241

Oregon

$1,332

Pennsylvania

$786

Rhode Island

$1,767

South Carolina

$1,458

Tennessee

$1,452

Virginia

$1,233

Washington

$1,545

*Cost information is not available for all states where Travelers auto insurance is offered.

Factors That Affect Auto Insurance Rates

It’s important to note that these are just estimates and your car insurance costs could be higher or lower. Factors that affect the cost of car insurance include:

  • Age
  • Gender
  • Marital status
  • Location
  • Driving experience
  • Driving record
  • Credit history

Travelers Auto Insurance Discounts

Travelers auto insurance reviews mention that customers are pleased with the affordable rates they receive from the company. The insurer provides a number of opportunities to bring car insurance policy costs down through its wide variety of discounts. Travelers offers:

  • Multi-Policy Discount: Save up to 13 percent on your car insurance for bundling insurance policies.
  • Multi-Car Discount: Receive a discount if you insure two or more vehicles on the same insurance policy.
  • Homeownership Discount: Get a discount on your car insurance premium if you own a home or condo.
  • Safe Driver Discount: Having no previous accidents, violations, or comprehensive claims on your driving record means you could save money with this discount.
  • Continuous Insurance Discount: Keeping your insurance policy under Travelers means you may qualify for additional savings.
  • Hybrid/Electric Car Insurance Discount: Owning or leasing a hybrid or electric vehicle means you are eligible for discounts.
  • New Car Discount: Purchasing a new car or owning a vehicle that is less than three years old helps you save on your insurance premium.
  • Pay in Full, Electronic Funds Transfer, and Good Payer Discounts: Paying your entire premium up front, through electronic funds transfer (EFT), or on time each month will earn you additional savings.
  • Early Quote Discount: Get a car insurance quote from Travelers before your current policy expires to receive a discount.
  • Good Student Discount: Dependents on your insurance plan who are in high school or college with B averages or better qualify for the Good Student discount.
  • Student Away at School Discount: Children on your insurance plan who go to school 100 miles away from home and aren’t planning on driving your cars qualify for this discount.
  • Driver Training Discount: Complete an approved driver education course and save on your insurance coverage.

Early Quote, EFT, New Car, Safe Driver, Continuous Insurance, Paid in Full, Good Payer, and Multi-Car discounts are not available in California.

Travelers Auto Insurance Coverage

Travelers insurance offers various car insurance plans, whether you’re looking to meet your state’s minimum insurance requirements or you want comprehensive coverage. 

Here are the standard types of coverage that Travelers offers:

Liability

Bodily injury (BI) liability insurance covers medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

Collision

Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.

Comprehensive

Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

Medical Payments

Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

Personal Injury Protection

Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses, such as lost wages.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Travelers Add-On Coverage Options

The company also offers additional coverage options so you can find the protection you need, including:

Loan/Lease Gap

Loan/lease gap insurance pays the difference between the actual cash value of your vehicle and the unpaid balance of your auto loan/lease if your car is totaled in an accident.

Rental Car

Rental car coverage helps pay for a rental car if your vehicle is damaged in a covered accident and is out of commission for more than 24 hours.

Roadside Assistance

Roadside assistance coverage is an add-on insurance policy that can help you when you are stranded due to unexpected car trouble.

New Car Replacement

New car replacement coverage replaces your new car with the same make and model if the original is totaled in the first five years of ownership.

Accident Forgiveness

Accident forgiveness coverage forgives one accident within a specified time.

Named Non-Owner

Named non-owner insurance is coverage for drivers who don’t own vehicles.

Umbrella Insurance

Umbrella insurance provides additional liability coverage to help cover defense, costs, attorney fees and other charges associated with lawsuits.

Travelers Usage-Based Insurance

Drivers in select states can choose to take part in Travelers’ IntelliDrive® program. The 90-day program uses a smartphone app to capture data and score how safely you drive based on your driving habits. You can earn discounts on your policy simply by enrolling in the program. When you renew your auto insurance policy, the data can lead to extra savings or an increased premium depending on your driving behaviors.

The Travelers IntelliDrive app has high ratings, especially compared to other companies’ usage-based insurance apps. It has a 4.1-star rating out of 5.0 on Google Play and a 4.5-star rating out of 5.0 on the App Store, and users report that it works well.

Travelers Insurance Mobile App

Travelers offers a mobile app for drivers on the App Store and Google Play. You can use the Travelers Mobile app to pay insurance costs, track roadside assistance, file a claim and check its status, download auto insurance ID cards, and access your agent’s contact information.

The Travelers Mobile app currently has a 4.7-star rating out of 5.0 on the App Store from over 26,000 reviews. It also has a 3.3-star rating out of 5.0 on Google Play. Many customers are pleased with how easy and convenient it is to use, though some report issues with the payment process through the app.

Travelers Insurance Reviews

Better Business Bureau (BBB) rating: A
BBB complaints in last three years: 472
J.D. Power customer satisfaction index: 861 / 1,000

Travelers has a positive insurance industry reputation, especially when it comes to the company’s quotes and claims processes. The company scored 860 out of 1,000 points and is ranked sixth in the largest insurers category in the J.D. Power 2021 U.S. Insurance Shopping StudySM. Travelers also holds an A++ (Superior) financial strength rating from AM Best, which shows its ability to pay out claims on time.

While Travelers holds an A rating from the BBB, it also has a 1.1-star rating out of 5.0 from customer reviews on the site and has closed over 450 complaints in the past three years. Though negative reviews may seem like a cause for concern, it’s normal for a company of this size to have a low rating and many negative reviews. Overall, these represent a relatively small number of Travelers insurance policyholders.

Positive Travelers Insurance Reviews

Positive Travelers insurance reviews praise the company for its affordable coverage and excellent customer service.

“[I’ve] been with Travelers for probably 30 years for auto insurance. [I] have made three claims for totaled cars. They have been excellent to deal with, responsive, informative, and fair. So far, I’m very happy with them.”
– David A. via BBB

“Great coverage and great prices.”
– Donald W. via BBB

Negative Travelers Insurance Reviews

Negative reviews highlight issues with the company paying out insurance claims to drivers after accidents.

“I’m absolutely disgusted with Travelers. They are unethical complete liars [and] they will say anything not to pay a claim. Let this be your warning. Do not use this company for anything.”
– Casey B. via BBB

“[They] barely even try. [They] stated I was in the lane and out of my spot when they backed into my car, yet somehow I’m the one at fault. Worst vehicle insurance possible.”
– Alecia C. via BBB

What Customers Say About Travelers

Our January 2022 car insurance survey which polled 1,000 respondents found that around 40 people had a Travelers car insurance policy. Additionally, we asked the 1,000 people surveyed if they had ever experienced a rate increase without an obvious cause (like an accident or ticket) from their car insurance provider. Over 20 respondents with a Travelers car insurance policy reported they had never had a rate increase without an obvious cause.

Travelers Insurance Rating: 4.5 Out Of 5.0

We give Travelers insurance a score of 4.5 out of 5.0. The car insurance provider has many discounts for drivers in addition to standard and add-on coverage options. It is one of the most popular choices for auto coverage in the nation. However, there are insurers that can offer more affordable rates and have better customer service reputations.

Other Recommendations For Car Insurance

While Travelers insurance is a good option for many drivers, we recommend reaching out to other companies before signing a contract. This will allow you to shop around for car insurance quotes to find the best deal and coverage for your situation.

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Geico: Best Overall Provider

Geico is the second-largest insurer in the U.S. behind State Farm. The company offers every standard car insurance option, as well as additional coverage add-ons such as roadside assistance, rental reimbursement, and mechanical breakdown insurance.

Geico has an A++ (Superior) financial strength rating from AM Best, showing that it is equipped to meet customer claims obligations. It also has an A+ rating from the BBB.

Read more in our complete Geico car insurance review.

USAA: Best For Military Members

USAA auto insurance is available only to military members, veterans, and their families. The company has some of the lowest average rates and highest customer satisfaction scores of any insurance company.

USAA has an A++ (Superior) financial strength rating from AM Best and scores highly in a number of J.D. Power insurance studies. It received the highest score in the J.D. Power 2021 U.S. Insurance Shopping Study℠, with 902 out of 1,000 points.

Learn more about the insurer in our USAA car insurance review.

FAQ: Travelers Insurance Reviews

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.