Travelers Auto Insurance Review: Ratings and Quotes (2024)

Overall, Travelers has strong industry ratings but some negative customer reviews online.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 11, 2024

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When looking for car insurance online, you may find plenty of options for insurers. One insurer that will likely come up in your search is Travelers. Overall, Travelers has a good industry reputation and offers a wide variety of products in addition to auto insurance.

Here’s what you need to know about Travelers’ car insurance products, industry ratings, discounts, and reviews.

Quick Facts
  • Travelers has nearly 160 years of insurance industry experience.

  • You can potentially qualify for 12 discounts from Travelers.

  • Travelers received an AM Best Financial Strength Rating of A++ (Superior), the highest level possible.[1]

What is Travelers auto insurance?

Travelers currently has a multi-national distribution network of more than 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, and Ireland serving customers with various coverage options, like auto, property, and pet insurance.

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$195/mo

Travelers has been in business since 1864. Today, the company sells numerous lines of insurance, including auto, homeowners, condo, renters, flood, travel and pet coverage. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling your auto policy with another Travelers policy, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index, but a 2-star rating on Trustpilot.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • Trustpilot reviews are mostly negative

Read our Travelers review
Dorothy - June 6, 2024
Verified

Travelers Insurance

Travelers has been my insurance company for over 10 years and I am very satisfied.

James - June 5, 2024
Verified

Missed a Payment and My Installments Increased

After missing one payment, my monthly installments increased by over $100 and have not returned to the original rate. It might be worth looking for a cheaper option.

Linda - June 2, 2024
Verified

Terrible

The rate increases every 6 months.

How does Travelers auto insurance work?

Travelers auto insurance works by providing customers coverage in exchange for premiums. When you file a claim for an incident your policy covers, Travelers pays for the repair or medical costs, depending on the event.

Travelers auto insurance coverage

Here are the coverage options Travelers offers for drivers to customize their policies:

  • Liability coverage: Liability insurance covers both property damage liability and bodily injury liability. It covers drivers when they’re in an accident and cause damage to another vehicle or injure another person. Most states require liability coverage for drivers.

  • Personal injury protection (PIP): This insurance coverage kicks in to pay for your and your passengers’ medical expenses and lost wages regardless of who caused the accident.

  • Medical payments insurance: Also known as MedPay, this covers the medical bills for you and your passengers if you’re in an accident.

  • Underinsured/uninsured motorist coverage: If someone without insurance or enough insurance damages your car or injures you, this helps cover the excess repair or medical costs.

  • Collision coverage: This covers repair costs for your vehicle’s damages in a collision-related event, like a car accident, hitting another object, rollover accidents, or pothole damage.

  • Comprehensive coverage: Comprehensive insurance covers incidents not related to a collision. This can include theft, vandalism, fire, weather hazards, hitting animals, and cracked windshields.

  • Loan/lease gap coverage: If you finance or lease your vehicle, this coverage will pay the difference between your car’s actual cash value and what you owe if the car is totaled.

  • Rental reimbursement: While your car is in the repair shop, this coverage helps pay for the cost of a rental car to get around.

  • Roadside assistance: This add-on can help cover some, or all, of the cost of towing, jump-starting, or unlocking your car in a roadside emergency.

  • New-car replacement: If Travelers declares your car totaled within five years of buying it new, it will replace your vehicle with a brand-new one of the same make and model.

  • Accident forgiveness: This rider will forgive one accident in a certain time frame, which can prevent an increase in car insurance rates, even if it’s your fault.

  • Rideshare insurance: When you drive for a rideshare company and have the app activated but are waiting to accept a ride, this insurance provides coverage in the gaps where the rideshare app company doesn’t. However, it’s only available in Colorado and Illinois.

How to get a Travelers car insurance quote

Drivers can get a Travelers car insurance quote on its website by entering their ZIP code and other personal information. They can also call 1 (800) 366-2303 to speak to a representative and get a quote by phone.

Insurify makes it easy to get auto insurance quotes online from Travelers and compare them to other insurers. You just have to answer a few simple questions and then you can see the list of offers from Travelers and many other auto insurers.

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Travelers car insurance cost by state

The state where you live influences your car insurance rates.[2] States with densely populated cities tend to have higher average premiums with Travelers.

Here are the average costs for full-coverage and liability-only auto insurance with Travelers in some example states.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

State NameFull CoverageLiability Only
Tennessee6030
North Carolina7951
Illinois10665
Pennsylvania14177
Arizona168101
Ohio16993
Florida172148
Virginia202114
Washington242113
California378178
New Jersey408273
New York547390
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers auto insurance rates by driving history

Your driving history can affect your insurance premiums because violations like speeding tickets, at-fault accidents, and DUIs reflect how likely you are to file a claim. The more likely you are to file a claim, the more you can expect to pay for car insurance.[2]

Here’s how the average monthly rate for full-coverage and liability-only insurance can change with Travelers depending on your driving history.

Quote Price by Driving Record

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See Also: Cheapest Car Insurance by Driving Record

Travelers car insurance cost by age

Insurance companies tend to charge older drivers less for car insurance since they have more driving experience, have better driving habits, and are less likely to file a claim. Drivers younger than 25 tend to spend the most on car insurance since they pose a higher risk to insurance companies.[2]

Here’s how much drivers may expect to pay on average for Travelers car insurance, by age.

Quote Price by Age Group

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers car insurance discounts

Qualifying for discounts can help you save on your insurance policy. While you may not qualify for every discount, these are some discounts Travelers offers on auto insurance policies:

  • Multi-policy discount: Travelers advertises that customers can save up to 13% on car insurance when they buy more than one policy.

  • Multi-car discount: You can score a discount if your household insures more than one car with Travelers.

  • Homeownership discount: You can qualify for an auto insurance discount if you own a home or condo, even if your property isn’t insured through Travelers.

  • Safe driver discount: You may get this discount if you have a driving record free of accidents, claims, or violations.

  • Continuous insurance discount: If you have continuous coverage with no gaps through Travelers, you may be eligible for this discount.

  • Hybrid/electric car insurance discount: Owning or leasing a hybrid car or electric car can help you save on car insurance costs.

  • New-car discount: You may be eligible for this discount if you purchase or own a car less than 3 years old.

  • EFT, pay in full, and good payer discounts: Making payments with electronic funds transfer (EFT) or a payroll deduction or establishing a record of on-time payments can help you get a discount.

  • Early quote discount: If you get a Travelers car insurance quote and policy as a new customer before your current coverage expires, you may be eligible for extra savings.

  • Good student discount: High school or college students who maintain a B average or better can qualify for a good student discount.

  • Student away at school discount: If a dependent on a policy goes away to school (at least 100 miles away) and won’t drive one of the insured cars during the school year, it may mean another discount for you.

  • Driver training discount: Successfully completing an approved driver education course is another way to save with Travelers.

Travelers Insurance bundling options

If you purchase more than one type of insurance policy through Travelers, you can potentially save money on your auto premiums. For example, if you bundle a home and auto policy, then you can save up to 13% on your auto insurance. This potential savings drops to 7% for Texas and Oklahoma residents.

Read More: Car Insurance Discount Guide

Travelers car insurance reviews and ratings

Travelers has earned some impressive marks in third-party ratings. It earned an average score of 829 (on a 1,000-point scale) across regions in J.D. Power’s 2022 Auto Insurance Study for overall customer satisfaction but has an average customer satisfaction score.[3] Travelers also earned an AM Best rating of A++ (Superior) for financial strength, which indicates a high likelihood of being able to pay out future claims.[1]

Travelers customer reviews

Read reviews from verified Travelers customers.

Dorothy - June 6, 2024
Verified

Travelers Insurance

Travelers has been my insurance company for over 10 years and I am very satisfied.
James - June 5, 2024
Verified

Missed a Payment and My Installments Increased

After missing one payment, my monthly installments increased by over $100 and have not returned to the original rate. It might be worth looking for a cheaper option.
Linda - June 2, 2024
Verified

Terrible

The rate increases every 6 months.
Constance - June 1, 2024
Verified

Average

The premiums increase rapidly. They doubled in 5 years.

Travelers ratings

Let’s look at some ratings to see how Travelers insurance products are being reviewed.

  • Shopper Approved: 4.9 out of 5 stars

  • Sitejabber: 2.5 out of 5 stars

  • Trustpilot: 2 out of 5 stars

Travelers vs. other insurance providers

The car insurance market is highly saturated, which means you have several options available to you. Here are some competitors of Travelers worth looking into.

Travelers vs. Allstate

Allstate is one of the largest car insurance companies by market share and offers policies nationwide. Travelers and Allstate offer many of the same coverage options, except Allstate offers insurance for car trips to Mexico and classic cars. However, Allstate doesn’t advertise premium coverage options like new car replacement, which Travelers does. But many of the advertised discounts are the same between the two companies.

Allstate has an average monthly rate of $137 for full-coverage insurance and $62 for liability-only insurance, compared to Travelers’ $195 for full coverage and $89 for liability only.

Travelers vs. Farmers

Farmers also offers car insurance coverage to drivers nationwide. Farmers offers many add-on options that Travelers doesn’t, such as spare parts coverage, full windshield and glass coverage, and original equipment manufacturer (OEM) coverage. If you want to fully customize your policy with plenty of options, then Farmers is worth it.

But the extra options come with a higher price tag. Farmers’ average full-coverage insurance costs $248 a month, and its liability-only insurance costs an average of $111 a month. By comparison, Travelers' average national rates for full coverage and liability policies are $195 and $89, respectively.

Travelers vs. State Farm

State Farm is another nationwide insurer with a long history of selling car insurance policies. However, its options for additional coverage are lacking compared to Travelers. State Farm offers standard car insurance coverage and very few endorsements. But State Farm offers interesting ways for drivers to save through its Steer Clear and Drive Safe & Save programs.

State Farm’s full-coverage insurance is an average of $117 a month, compared to Travelers’ $195. And while Travelers’ liability-only coverage is an average of $89, State Farm’s is $54.

Travelers car insurance pros and cons

Pros
  • Mobile app has high average reviews in the Apple App Store

  • Advertises 12 potential discounts for drivers

  • Offers robust auto insurance options for customizing coverage

Cons
  • Many negative online customer reviews

  • Rideshare coverage is only available in Colorado and Illinois

Filing an auto insurance claim with Travelers

You can file an auto insurance claim with Travelers online or via phone by calling 1 (800) 252-4633.

Plan to have the following information ready when you file a claim with Travelers:

  • The date, location, and any photos of damage or injuries that occurred

  • Your and any other parties’ contact information and policy numbers

  • The type of insurance claim you’re filing

  • A description of what happened

Learn More: Why Do Car Insurance Companies Deny Claims?

Other Travelers insurance products

Travelers sells various insurance products besides car insurance, which can make it easy to have all your insurance policies in one place. Alongside car insurance, it offers the following policy types:

  • Home

  • Condo

  • Renters

  • Boat and yacht

  • Umbrella

  • Valuable items

  • Landlord

  • Wedding and event

  • Travel

  • Pet

  • Motorcycle

  • Flood

Travelers Insurance FAQs

To help you make more informed decisions when it comes time to buy auto insurance, here are answers to some commonly asked questions about Travelers insurance.

  • Is Travelers legitimate?

    Yes, Travelers is a legitimate insurance company with a long history of offering insurance policies. It has an A++ financial rating from AM Best, which indicates its ability to pay out future claims.[1]

  • Is Travelers car insurance worth it?

    Travelers offers robust car insurance options for drivers to customize their coverage and slightly above-average monthly rates, so it can be worth it. However, the best car insurance company for you will depend on the coverage you need for the price that fits your budget.

  • What is the average cost of Travelers car insurance?

    Travelers’ average cost is $172 per month for full-coverage insurance and $131 per month for liability-only insurance.

  • Is Travelers good at paying claims?

    Travelers is very likely to pay out any future claims. Travelers received an A.M. Best financial strength rating of A++ (Superior) and a Long-Term Issuer Credit Rating of “aa+” (Superior) — which indicates a financially secure company.[1]

  • What is Travelers’ overall customer satisfaction?

    Travelers has an average overall rate of customer satisfaction. This insurance provider earned an average score of 829 out of 1,000 across regions in the J.D. Power 2022 Auto Insurance Study of overall customer satisfaction.[3]

Sources

  1. AM Best. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries."
  2. III. "What determines the price of an auto insurance policy?."
  3. JD Power. "2022 U.S. Auto Insurance Study."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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