Travelers has a rich history of firsts. It was the first company to offer travel insurance, the first to write an auto insurance policy, and the first to offer multiple insurance products.
Who Benefits Most and Least from Travelers Insurance?
- People planning to add spouses and teen drivers to their policy
- Drivers looking for a trusted insurance company
Not the Best For…
- Drivers who want a reliable mobile app
- High-risk drivers searching for cheap insurance
Travelers Insurance: Reliable Insurance For Low-Risk Drivers
Travelers has provided American drivers with quality auto insurance for the last 122 years. Travelers is a good option for drivers planning to add their spouses and teenage children to their auto insurance policies, and those who also hold other Travelers insurance products. Travelers doesn’t exactly dish out the cheapest rates to high-risk drivers, so if you’re under 30 or have a spotty driving record, Travelers might not be the right choice for you.
Travelers Car Insurance Ratings
Insurify Composite Score: 81 out of 100
Insurify gives Travelers an Insurify Composite Score of 81/100. This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
Overall Satisfaction About average
Call Center Representative About average
Pricing The rest
Insurer Website About average
Local Agent About average
Policy Offerings About average
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction About average
Repair Process The rest
Claim Servicing About average
Settlement About average
Rental Experience About average
Estimation Process About average
First Notice of Loss (FNOL) About average
J.D. Power Ratings by Region (out of 1,000)
Region Ratings State Average
Southwest 809 The rest
Southeast 822 About average
Central 814 The rest
Mid-Atlantic 820 The rest
New England 804 The rest
Florida 810 The rest
New York 821 About average
North Central 805 The rest
Company Name Ratings
A.M. Best A++
Standard & Poor's AA
Travelers Insurance Car Insurance Quotes and Discounts
Shopping for coverage doesn’t always mean buying the cheapest car insurance policy possible. But it sure helps to have a couple discounts!
Factoring in discounts is an essential step of the process that could lead to some premiums being much less expensive than others. A seemingly costly premium could turn into something much more affordable than you first thought.
You should consider using Insurify when you’re shopping for your car insurance policy — it applies any discounts you’re eligible for and lets you compare car insurance quotes between several insurance companies!
Auto Insurance Quotes Comparison: Travelers vs. Progressive, GEICO, State Farm, Allstate, and Liberty Mutual
Insurify’s data team compared Travelers car insurance quotes to those of its competitors. Below are the quotes for a 42-year-old female driver from Houston, Texas who drives a 2010 Honda Civic and has a clean driving record:
Insurance company Quote
State Farm $56/month
Liberty Mutual $152/month
These would be her rates if she were to get a speeding ticket for going at 75 mph in a 50 mph zone:
Insurance company Quote
State Farm $56/month
Liberty Mutual $211/month
And these would be her rates if she were to get into an at-fault accident:
Insurance company Quote
State Farm $61/month
Liberty Mutual $190/month
Lastly, the team compared her quotes if she were to add her sixteen-year-old to her policy:
Insurance company Quote
State Farm $193/month
Liberty Mutual $352/month
Drivers Can SAVE with these Discounts from Travelers
Here are some of Travelers’ discounts:
|Safe Driver Discount||up to 23%|
|Good Payer Discount||up to 15%|
|Continuous Coverage Discount||up to 15%
|Multiple Policy Discount||up to 13%
|Hybrid/Electric Vehicle Discount||up to 10%|
|New Car Discount||up to 10%|
|Early Quote Discount||up to 10%
|Driving training discount||up to 8%|
|Defensive Driver Discount|| up to 8%
|Multiple Vehicle Discount||up to 8%|
|Good Student Discount||up to 8%|
|Paid in full discount||up to 8%
|Student Away at School Discount||up to 7%
|Home Owner Discount||up to 5%
|Preferred payment discount||up to 3%
States Where Travelers Car Insurance is Offered
Travelers offers insurance in all 50 states and Washington, D.C. Coverage options vary by state, so you should visit the Travelers website or speak to an insurance agent to check for insurance options in your state.
Make sure you compare quotes and coverage options! Click here to find the cheapest car insurance quotes in your state.
Travelers Auto Insurance Coverages
Travelers offers policyholders the following coverages as part of their standard coverage. You should check in with a Travelers agent to confirm what standard coverage entails in your state.
Travelers offers customers both property damage and bodily injury liability, which are mandatory in most states. If you’re at fault in a car accident, Travelers will pay to cover the vehicular damage and medical expenses sustained by the other party. If the other party were to file a lawsuit against you as a result of the accident, Travelers would cover those costs as well.
Medical Payments Coverage
If you’re in an accident, regardless of who’s at fault, Travelers will pay for the medical expenses of everyone in your car who was injured.
Personal Injury Protection Coverage
Personal Injury Protection covers you, your family members, or any passengers in your car if you’re in an accident. Also called no-fault insurance, PIP is required in some states while optional in others. If you have PIP, Travelers will cover medical expenses, compensate for lost wages, and reimburse funeral costs if you, your family members, or passengers were injured.
Travelers provides collision coverage, which covers damage if your car collides with another object or vehicle, or if your car rolls over.
This covers any damages to your vehicle that wasn’t caused by a collision. Generally, comprehensive insurance covers damage caused by storms, floods, fires, vandalism, theft, and hitting a deer or other animal.
Uninsured/Underinsured Motorist Coverage
Getting into an accident that was someone else’s fault is already pretty bad. But it could be far worse if the at-fault driver doesn’t have insurance or doesn’t have enough insurance to cover the cost of damages to your car. Travelers offers uninsured motorist coverage that would cover your medical bills and vehicular damage in such a scenario.
Other Special Auto Coverages Offered by Travelers Insurance
The following are optional coverages that are available as add-ons to standard Travelers auto insurance:
Travelers offers basic roadside assistance, which includes up to 15 miles of towing free of charge, as well as services like jump-starting your car, changing your car’s tires, delivering fuel, and unlocking your car if you’ve lost your keys.
Travelers’ Premier Roadside Assistance program includes basic coverage as well as 100 miles of free towing, trip interruption coverage, and personal property coverage. Trip interruption coverage means Travelers will reimburse you up to $200 a day (for three days), to help cover lodging and meals if your car breaks down over 100 miles from your home and isn’t in driving condition. Personal property coverage has a $500 limit and covers any stolen or damaged property and valuable items that are covered under comprehensive or collision loss.
Travelers’ accident forgiveness program is a part of its Responsible Driver Plan. The basic plan offers accident forgiveness and minor violation forgiveness for any isolated accident or minor violation you might have in a 36-month period. This means Travelers won’t increase your premium, as insurance companies typically do if you have an accident or receive a ticket.
The premier version of the plan includes the basic plan as well as decreasing deductibles and total loss deductible waivers. The decreasing deductible means that for every six months everyone on your insurance plan is accident-free, you earn a $50 credit (up to a $500 limit), that you can use to pay the deductible for a covered loss. A total loss deductible waiver means you don’t have to pay a deductible if your car is totaled.
New Car Replacement Coverage
This plan includes new car replacement, loan/lease gap coverage, and glass deductible. If your vehicle is totaled in a covered loss, Travelers will pay (minus relevant deductibles) for a brand new car of the same make and model as the totaled vehicle. This doesn’t include cars that were stolen or damaged by flood and fire. This applies only for the first five years that you own the vehicle, and you must be the original owner of the vehicle.
The loan/lease gap coverage comes handy if your car is financed or leased, and is then totaled. The coverage pays the difference between the actual cash value of the totaled vehicle and the unpaid balance of the loan/lease.
The glass deductible can be used in place of your comprehensive coverage. If your car is vandalized or damaged by a storm, but you only have glass damage, you only have to pay the glass deductible. Glass damage here means damage to the windshield, windows, mirrors, or exterior lights.
Rental Car Insurance Coverage
If your car was severely damaged in an accident and is currently in the shop for repairs, Travelers will pay for your rental car. This add-on only applies if the original vehicle was damaged in a loss covered by your collision or comprehensive insurance. Your vehicle also needs to be out of commission for longer than 24 hours for Travelers to reimburse you for the rental car.
Travelers offers IntelliDrive, a telematics program, which could get you up to a 20 percent discount. You can enroll in the program by downloading the IntelliDrive app, which will then capture and score your driving habits over 90 days.
Enrolling itself gets you a small discount, which varies based on your state. Once you’ve completed the program, you get a discount at your next policy renewal. Of course, the discount only applies if the app considered you a good driver. If your driving was deemed risky, you might end up paying an even higher premium, except in Washington D.C., Maryland, Montana, Pennsylvania, and Virginia.
IntelliDrive is available in Alabama, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Iowa, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Maine, Minnesota, Montana, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, and Washington, D.C.
Other Insurance Products Offered by Travelers Insurance
Travelers has a rich history of providing multiple insurance products in addition to car insurance. Remember, bundling policies, like merging your home insurance with your car insurance policy could get you a hefty discount! Travelers offers the following insurance products:
Travelers’ home insurance includes dwelling protection and covers other structures on your property like gardens, sheds, and fences. Personal property, personal liability, and loss of use coverage are also part of standard coverage. At the same time, you can purchase extra insurance to cover things like identity fraud monitoring and water damage.
Travelers renters insurance includes personal property coverage, personal liability protection, medical payments coverage, and additional living expenses if your rented property is damaged and inhabitable. You can also protect your jewelry and other valuable items as an add-on to standard coverage. One other option is to bundle car and renters insurance for a discount.
Travelers no longer sells life insurance itself, but still provides term life insurance through its subsidiary Primerica.
Wedding & Special Event Insurance
Planning big events can take up a lot of your time and money. Travelers offers insurance for big events like weddings and anniversary parties, to safeguard your investment in case your caterer backs out last minute or if you need to move your venue last minute.
How Can I Buy Auto Insurance from Travelers?
You can buy auto insurance from Travelers online, over the phone, or by visiting an agent in person.
You can call 1 (888) 306-4047 or visit the Travelers website to buy your policy online.
Alternatively, you could also use Insurify, which lets you compare Travelers quotes to 10+ other insurance companies. That way, you can make sure you’re getting the best price from the best companies!
How Can I Pay for My Travelers Car Insurance Policy?
You can pay for your Travelers auto insurance policy online, over the phone, and by mail.
You can pay online by logging into your My Travelers account and using your credit or debit card to pay your balance.
Pay by mail
You can mail a check or money order to the following address to pay your Travelers auto insurance bill:
P.O Box 660307
Dallas, TX 75266-0307
For overnight delivery, mail payments to:
Attn: Lockbox Operations Box 660307
2701 East Grauwyler Rd., Bldg 1
Irving, TX 75061
Pay by phone
Check the upper right corner of your Travelers bill and follow the provided prompts. You can then use your phone to pay your bill, check how much you have left to pay, find information about any cancellations or changes to your policy.
Pay by home banking
You can pay your Travelers bill through your own bank or financial institution. You’ll have to ask your bank or financial institution if they have provisions for this.
How Often Will Travelers Increase My Premiums?
Premiums are all relative—you could start out with a very low rate, only to find your rate has jumped when you want to renew your policy. Travelers could increase your premium due to a couple of different factors, like where you live, your profession, and your discounts. So if you’ve recently moved, switched jobs, or no are no longer eligible for certain discounts, you could face higher premiums.
You could also find yourself facing higher premiums after changes to your driving record or after filing a claim. Here are some scenarios where Travelers would increase your premium:
If you get into an accident
If you get into an accident, Travelers is probably going to increase your auto policy premium. This is especially true if you also file a claim pertaining to damage that was a result of this accident. Luckily, Travelers has an accident forgiveness program that could “forgive” you for having an accident. In other words, it wouldn’t increase your premium if you purchased Travelers’ Responsible Driver Plan, which includes accident forgiveness.
If you file a claim
Travelers will definitely increase your premium if you file a claim. On average, Travelers raises your auto insurance premium by 35 percent after you file a claim. For other claims, such as comprehensive claims, Travelers will increase your premium by 15 percent on average. If the cost of repairs is below your deductible or is only slightly higher, you might consider paying out-of-pocket instead of filing a claim. However, if the cost of repairs greatly exceeds your deductible, you should definitely file a claim—that’s what insurance is for, after all!
If you have a violation
If you were convicted of a moving violation like speeding or driving under the influence, you become a high-risk insurance driver, and it will cost more to insure you. As a result, Travelers may increase your insurance rate. This, of course, depends on the violation itself; for example, a speeding ticket isn’t usually penalized as much as a DUI.
How Does Travelers’ Claims Process Work?
If your car is damaged and you’ve decided to file a claim, you can do so by logging into your MyTravelers account, or by calling 1 (800) 252-4633. The Travelers claims center is available 24/7.
Make sure you take pictures at the scene of the accident that clearly document your vehicle’s damage, so you can include those when you’re filing a claim. If the accident was severe and involved other people, you might even consider filing a police report, which you should also include when filing the claim.
Before filing a claim, you might consider surveying the damage and getting an estimate for the damages. If the cost of damages is lower or about the same as your deductible, you might consider paying out-of-pocket, since filing a claim could lead to a higher premium in the future.
Once you’ve filed a claim with Travelers, a claim professional from Travelers will contact you to coordinate a time for them come evaluate your car’s damages. They might also contact other people who were involved in the incident.
The claim professional will then make an assessment determining whether the loss is covered and how much Travelers is willing to pay for the damages. If Travelers decides to pay the claim, they can either mail you the check or send the money to you electronically.
If the damage to your vehicle was someone else’s fault, Travelers might pursue them and their insurance company for reimbursement. If Travelers is reimbursed, they might also refund your deductible.
Reviews on various websites mentioned that pursuing a claim with Travelers can be a long and frustrating process. According to the 2018 U.S. Auto Insurance Claims Satisfaction Study, Travelers’ claims satisfaction was only “about average.”
How Can I Cancel My Travelers Car Insurance Policy?
If you’re unhappy with your Travelers auto insurance policy and want to cancel it, you can call 1 (800) 842-5075. Travelers might ask you to mail in a cancellation letter.
Travelers might also require you to pay a cancellation fee if you cancel your policy before the policy term ends, this is usually a percentage of your remaining premium. If you can avoid it, you might want to consider canceling your policy at the end of the policy term instead.
Driving without insurance is illegal and increases your premiums in the future, so make sure you have another policy lined up on the day you cancel your Travelers policy. You might consider using Insurify, a website that lets you compare quotes from up to 20 insurance companies at a time.
How Much Does Uber/Lyft Coverage Cost with Travelers?
Travelers offers coverage to rideshare drivers only in Colorado and Illinois. The coverage applies to the period between drivers opening the rideshare app and before accepting passengers.
Usually, the period afterward is covered by the rideshare company’s insurance. This is a handy add-on for drivers who already have Travelers auto insurance and are currently working for rideshare companies in Colorado and Illinois.
Insurance Companies Similar to Travelers
Travelers is a longtime pillar of the auto insurance industry and is currently the third-largest personal insurance writer. Travelers targets multiple demographics and sells specialized insurance products through various subsidiaries. Its competitors include Liberty Mutual, Allstate, Progressive, and GEICO.
According to Insurify’s internal database of over 1.6 million car insurance applications and our analysis of external sources, drivers who now hold Travelers auto insurance often switched from the following companies:
- State Farm
- Liberty Mutual
We also found that people who previously held Travelers auto insurance often switched to the following companies:
Travelers Car Insurance Customer Satisfaction and Policyholder Reviews
Reviews for Travelers auto insurance range from very satisfied to very upset. Its customer service seems to be quite hit-or-miss since some reviewers say they were impressed with the quality while others find representatives rude and unhelpful.
Good reviews primarily mention Travelers’ low rates, helpful agents, and roadside assistance.
Bad reviews focus mostly on Travelers’ seemingly long and taxing claims process and complained that Travelers was cutting corners when it came to car repairs.
Travelers Mobile App Review
The Travelers app gives users access to their digital insurance ID and lets them make payments, report claims, contact claim professionals, and get roadside assistance.
Travelers doesn’t have the most fleshed-out app and fetched poor scores on both the Apple and Google app stores with a 2.5 and 2.7 out of 5, respectively.
Samsung user reviewers were mostly concerned with the app’s inability to keep up with Samsung’s software updates, resulting in constant crashes. Apple users complained about having issues storing credentials with touch ID and logging into their accounts through their phones in general.
|App store||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||2.5||111|
|Mobile App (Android)||2.7||345|
IntelliDrive App Review
The IntelliDrive app fares slightly better on app store reviews than the general Travelers app, fetching a 3.0 and 2.3 on the Apple and Google app stores, respectively.
Reviews complained that the app didn’t correctly track routes, and didn’t adequately explain why some behaviors might be considered wrong. Others complained that the app registered harsh braking and acceleration where none existed.
Some reviews, on the other hand, said they were glad they downloaded the app and that it made them more careful drivers.
|App store||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||3.0||142|
|Mobile App (Android)||2.3||182|
Frequently Asked Questions: Travelers Car Insurance
Does Travelers have good insurance?
Travelers is a good option if you’re a low-risk driver planning to add your spouse or children to your policy or are planning to also buy Travelers home or renters insurance. Travelers is also a good option if you’re looking for a reputable company with a strong track record and relatively cheap prices.
Does Travelers have cheap insurance?
You can’t rely on one company to have the cheapest insurance quote available each time. Travelers might have had a really cheap quote for your friend, but it might have a different quote for you depending on factors specific to you and your driving record. The best thing you can do to make sure you get the cheapest quote is to use a quote comparison website like Insurify, which lets you compare customized quotes from up to 20 companies based on your driving record.
Where can I find the cheapest insurance?
You can use Insurify, which lets you compare customized quotes from 10+ insurance companies at a time. That way, you can compare prices and coverages to make sure you buy a policy that fits you—and your wallet—just right.
How do you know if Travelers is the cheapest car insurance in your area?
Your insurance rates are heavily dependent on factors like your age and location. Just because a certain company is the cheapest option in one city doesn’t necessarily mean they’re the best option in another. You should always compare quotes on Insurify, which lets you compare quotes from up to 20 different insurance companies at a time, to make sure you’re getting the cheapest quotes!
Travelers Auto Insurance Overview
The Travelers Insurance company was first founded back in 1864 to provide accident insurance to people traveling by train and road. By the turn of the century, Travelers had also written the first auto insurance policy in America and become the first company to offer more than one type of insurance.
In 2004, Travelers merged with St. Paul Companies (founded in 1855) and became one of the largest property and casualty insurers in the U.S.
Travelers has been a component of the Dow Jones index since 2009 and has an A++ A.M. Best rating for financial strength.
Travelers Contact Information
|Customer service phone number||1 (800) 842-5075|
|Claims service phone number||1 (800) 252-4633|
|Customer service mail form||Online form|
|MyTravelers® Technical Assistance||1 (877) 754-0481|
|Headquarters address||485 Lexington Ave.
New York, NY