Travelers Auto Insurance: User Reviews and Quotes (2024)

Travelers holds strong financial strength ratings, but its premiums are higher than its competitors.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

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 Friedlander
Reviewed byMark Friedlander
Mark Friedlander
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 Halachev
Data reviewed byKonstantin Halachev
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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 July 18, 2024

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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.

Quick Facts
  • Travelers offers full-coverage insurance for $196 per month and liability insurance for $90 per month, on average.

  • Travelers offers several discounts, such as a multi-policy discount, a good student discount for young drivers, and an electric vehicle discount.

  • Drivers can save up to 30% through Intellidrive, Travelers’ optional telematics program.

How Travelers compares to other insurance companies

Compare personalized, real-time quotes
User Reviews
3.5
IQ Score
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

Read more driver reviews of Travelers
Laura - July 15, 2024
Verified

Travelers Rocks

They are very helpful and no one has been able to match what I pay. I'm an excellent driver with a perfect driving record and only drive less than 5000 miles a year. I love the discounts they offer me. I've had no bad experiences with them.

Drake - July 15, 2024
Verified

Average

Too expensive.

Douglas - July 15, 2024
Verified

Other Than Price, A Good Company

It's very, very, very expensive. Almost double most other companies.
FactorHow Travelers Compares
RatesHigher than competitors
Customer serviceLower than competitors
DiscountsSimilar to competitors
AvailabilitySimilar to competitors
Financial strengthStronger 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.

DriverTravelers Average QuoteNational Average
Drivers with a clean record$90$105
Drivers with a speeding ticket$107$149
Drivers with an at-fault accident$114$156
Drivers with a DUI$152$177
Teen drivers$163$185
Senior drivers$67$78
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.

StateTravelers Full-Coverage RateState Average
Alabama$93$160
Arizona$173$191
Arkansas$140$281
California$386$287
Colorado$254$220
Connecticut$194$368
Delaware$196$241
Florida$172$272
Georgia$145$241
Hawaii$104$116
Illinois$108$184
Indiana$109$144
Iowa$93$151
Kansas$167$204
Kentucky$167$292
Maine$144$171
Maryland$271$331
Massachusetts$79$242
Michigan$269$328
Minnesota$104$205
Mississippi$141$216
Missouri$165$235
Montana$180$193
Nebraska$199$220
Nevada$288$340
New Hampshire$117$134
New Jersey$414$230
New Mexico$178$191
New York$538$185
North Carolina$79$101
North Dakota $134$165
Ohio$168$155
Oklahoma$187$193
Oregon$85$176
Pennsylvania$145$187
Rhode Island $280$212
South Carolina$162$280
South Dakota$158$179
Tennessee$61$178
Texas$137$250
Utah$167$196
Vermont $147$154
Virginia$206$172
Washington$242$172
Washington, D.C.$217$187
West Virginia$165$171
Wisconsin$114$143
Wyoming$159$179
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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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.

Laura - July 15, 2024
Verified

Travelers Rocks

They are very helpful and no one has been able to match what I pay. I'm an excellent driver with a perfect driving record and only drive less than 5000 miles a year. I love the discounts they offer me. I've had no bad experiences with them.
Drake - July 15, 2024
Verified

Average

Too expensive.
Douglas - July 15, 2024
Verified

Other Than Price, A Good Company

It's very, very, very expensive. Almost double most other companies.
Linda - July 10, 2024
Verified

Final

Dealing with the computer-generated documents is trouble for me.

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.

RatingScoreWhat This Means
AM BestA++Superior ability to meet financial obligations 
J.D. Power797 out of 1,000Worse than many competitors 
NAIC Complaint Index10.89Very 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:

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental coverage

    Rental coverage will help cover the cost of a rental car after a covered accident or loss.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Limited ridesharing coverage

    The limited ridesharing optional coverage endorsement offers rideshare insurance or coverage for rideshare drivers.

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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.

Sources

  1. Trustpilot. "Travelers."
  2. Better Business Bureau. "Travelers."
  3. Naic.org. "Consumer Insurance Refined Search Results."
Anna Baluch
Anna BaluchInsurance Writer

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
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

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 Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
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 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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