Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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 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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With headquarters in New York City, Travelers has been in the insurance industry for more than 165 years and is one of the largest insurance companies. The insurer offers individual, business, and specialty insurance products and services for customers across the U.S.
While Travelers scores well for financial strength and offers car insurance coverage in most of the U.S., its rates tend to be higher than those of its competitors.
The good news is you can still find cheap car insurance if you take advantage of discounts, compare rates, and choose the right policy for your unique situation. Here’s what you need to know about Travelers and its auto insurance offerings.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$90/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.
$196/mo
Travelers offers higher car insurance rates than competitors and other solid car insurance companies, like Allstate, Farmers, GEICO, and Progressive. It scores worse for customer service, has a similar number of discounts, and has a similar availability to its competitors. But Travelers excels in financial strength, with an AM Best financial strength rating of A++ (Superior).
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.
Sherran - July 23, 2024
Verified
No worries with Travelers
Good.
Carolyn - July 22, 2024
Verified
High Rates
It's expensive.
…
Factor
How Travelers Compares
Rates
Higher than competitors
Customer service
Lower than competitors
Discounts
Similar to competitors
Availability
Similar to competitors
Financial strength
Stronger than competitors
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Travelers Updates
Travelers has stopped writing policies for some ZIP codes in the Tampa Bay area.
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How Travelers rates compare to competitors
Travelers offers liability insurance for $90 per month and full coverage for $196 per month. While Travelers’ rates aren’t the highest on the market, other major insurers offer cheaper quotes.
Check out the table below to see how Travelers’ full-coverage rates stack up against its competitors.
Full-Coverage Rates by Insurance Company
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.
Average cost of Travelers auto insurance
Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers as more likely to file a claim and charge higher rates to make up for the possible financial loss.
Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.
The table below illustrates how Travelers’ monthly liability rates compare to the national average liability rates for various driver profiles.
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 car insurance cost by state
Your state and city will affect the cost of car insurance from Travelers. Insurance companies use factors like climate, theft rates, and population density to determine your rates. In general, Travelers’ premiums are higher than other national insurance companies.
This table shows the average monthly full-coverage car insurance rates for Travelers auto insurance compared to the state average for many of the states in which Travelers writes policies.
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. Idaho excluded due to lack of data.
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4.8/5
Travelers car insurance discounts
Car insurance discounts can help you save money and score a great deal on a car insurance policy. Fortunately, Travelers advertises several auto insurance discounts that could lead to cheaper car insurance quotes for potential customers, including:
Multi-policy discount
Multi-car discount
Homeownership discount
Safe driver discount
Continuous insurance discount
Hybrid/electric car insurance discount
New car discount
Electronic funds transfer (EFT) discount
Early quote discount
Good student discount
Student away at school discount
Driver training discount
How customers feel about Travelers
On Trustpilot, Travelers earned 1.5 out of 5 stars out of 37 reviews. The car insurance company earned a similar rating of 1.05 out of 5 stars on the Better Business Bureau (BBB) website based on more than 270 reviews.[1][2]
Most negative reviews and complaints discuss negative experiences with the claim process and high premiums. Positive reviews are minimal on these sites.
Travelers customer reviews
Below, you’ll find real, verified insurance reviews from customers who have had actual experiences with Travelers.
Adrienne - July 24, 2024
Verified
Lack of Loyalty from Travelers
It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.
Sherran - July 23, 2024
Verified
No worries with Travelers
Good.
Carolyn - July 22, 2024
Verified
High Rates
It's expensive.
Steven - July 22, 2024
Verified
Good but Raised My Premiums for No Reason
Overall, they're good. I just don't like my premiums going up by 100 dollars when I have a clean record.
…
Travelers ratings
Ratings from reputable organizations like AM Best, J.D. Power, and the National Association of Insurance Commissioners help show the quality, reliability, and health of Travelers. While the company has great financial strength, it has a very high complaint score from the NAIC Complaint Index of 10.89.[3]
The NAIC rates companies using a scale of one representing average, zero representing fewer complaints, and two representing more complaints. Travelers’ score of 10.89 signals low customer satisfaction.
Additionally, while decent, Travelers’ J.D. Power score for customer claim satisfaction is lower than its competitors. Here’s a look at the ratings Travelers received.
Rating
Score
What This Means
AM Best
A++
Superior ability to meet financial obligations
J.D. Power
797 out of 1,000
Worse than many competitors
NAIC Complaint Index
10.89
Very high number of complaints
Travelers car insurance coverage options
Like most auto insurance companies, Travelers offers liability insurance that includes bodily injury and property damage coverage. Comprehensive and collision coverages are also available for drivers who want additional protection and peace of mind while on the road.
Here are several other car insurance coverage options from Travelers:
Loan/lease gap insurance
If someone steals your car, or your insurer deems it a total loss after a car accident, gap insurance may cover the difference between its actual cash value and the outstanding balance on your loan or lease.
Roadside assistance
If you get stranded on the side of the road and need towing, fuel, or another emergency service, roadside assistance can be a real lifesaver and make things easier during an already stressful time.
Accident forgiveness
With accident forgiveness, Travelers will forgive the first time you get into an accident within a specific period of time so you can avoid a premium increase.
Rental coverage
Rental coverage will help cover the cost of a rental car after a covered accident or loss.
New-car replacement
New-car replacement coverage will repair or replace your car with a new vehicle of the same make and model if you total it within the first five years you own it.
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Other options for Travelers customers
In addition to personal and commercial auto insurance, Travelers offers a variety of other insurance products you can purchase through an agent, including:
Home insurance: If you own a home, a home insurance policy through Travelers can be a good choice. A number of homeowners insurance add-ons are available, such as content replacement cost coverage, identity theft coverage, green home coverage, and jewelry and valuable items coverage. The many discounts allow for affordable home insurance rates.
Yacht and boat insurance: With a Travelers yacht and boat policy, you can choose an agreed value or actual cash value coverage and receive roadside assistance for emergencies you may encounter while on the water.
Renters insurance: If you rent a property, your landlord may require renters insurance to protect your personal property. Travelers offers renters policies at affordable rates.
Travel insurance: A travel insurance policy from Travelers can protect you on a single trip or several trips if you’re an avid traveler and invest in an annual multi-trip protector.
How Travelers Intellidrive works
Intellidrive is an optional Travelers program that rewards policyholders for safe driving with low rates. Once you download the smartphone app and log into your account, it’ll record your speed, acceleration, braking, and distractions when you drive. After a 90-day period, Intellidrive will determine your driving performance and give you a driving score.
While a good Travelers score indicates you’re a safe driver and can allow you to save up to 30% on your auto policy, a lower score may increase your premiums. If you decide you don’t want to participate in Intellidrive, you can opt out of the program within 45 days of signing up.
Travelers insurance FAQs
If you’re still unsure about Travelers, this additional information can give you some more information on the company and its car insurance policies.
Is Travelers legitimate?
Yes. Travelers is a legitimate insurance company that’s been around for more than 165 years. It’s a leading car insurance company with high ratings from reputable organizations, such as AM Best and J.D. Power. The insurer may be worth exploring if you qualify for many discounts and can land competitive rates.
What is the average cost of Travelers car insurance?
On average, Travelers car insurance costs $90 per month for liability coverage and $196 for a full-coverage policy. Note that your rates will depend on your location, ZIP code, driving history, credit score, and other factors.
Is Travelers owned by GEICO?
No. Travelers isn’t owned by GEICO. Travelers is a separate car insurance company that sells its own policies. You can get a Travelers estimate through one of its insurance agents.
Is Travelers good at paying claims?
Yes. Travelers received an AM Best financial strength rating of A++ (Superior) and a 797 J.D. Power score. This signals that the insurer has the financial ability to pay out claims and has decent customer satisfaction when paying claims.
If you purchase an auto policy from Travelers and have to file a claim, you can expect fair compensation and a positive experience.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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 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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