Travelers Auto Insurance Review

Our team rates Travelers auto insurance a 9.5 out of 10 and names it Best for Most Drivers. The company is our top pick for vehicle coverage and comes with perks like affordable rates, flexible coverage options and plenty of discounts and add-ons.

Travelers Insurance Pros and Cons

Here are the pros and cons of purchasing insurance through Travelers:

Can bundle with homeowners insurance and more

Travelers Insurance Rating

Our score was aggregated from five key performance areas including industry standing, availability, coverage, cost and customer experience. You can see the breakdown of each of these scores in the table below:

Rating Category	Score (Out of 10)
Industry Standing	9.0
Availability	10
Coverage	9.8
Cost	9.8
Customer Experience	8.7
Overall Rating	9.5

How Good Is Travelers Insurance?

Travelers insurance is our top pick for plan options, affordable coverage and good customer service. Regardless of what coverage you choose, you’ll most likely find what you need for a reasonable price.

Travelers Insurance Ratings

Below are ratings for Travelers from reputable rating agencies:

J.D. Power 2023 U.S. Auto Insurance Study: Travelers insurance is below the industry average for customer satisfaction, according to J.D. Power. Its scores ranged from 782 to 822 out of 1000 depending on the region or state.
J.D. Power 2023 Auto Claims Satisfaction Study: Travelers ranks 18th out of 24 insurance companies with a score of 871 out of 1000. This score was seven points below the industry average.
National Association of Insurance Commissioners (NAIC) Complaint Index: The company earned a score of 0.42, which means its complaints are well below the industry average of one.
A.M. Best Rating: The company received an A + + rating for financial strength.

Travelers Insurance Comparison

Below you can compare Travelers to other major insurance providers:

Comparison	Travelers Insurance Rating vs. Competitors	The Bottom Line
Travelers vs. Progressive	9.5 vs. 9.0	Overall, Travelers is a more affordable option for coverage than Progressive.
Travelers vs. State Farm	9.5 vs. 9.4	While State Farm has better customer service, Travelers has more coverage options and lower costs.
Travelers vs. Liberty Mutual	9.5 vs. 9.0	Liberty Mutual has less availability across the U.S., making Travelers the better option for most.
Travelers vs. Allstate	9.5 vs. 8.8	In all facets of cost, coverage, and customer service, Travelers is a better option than Allstate.
Travelers vs. Nationwide	9.5 vs. 9.1	Nationwide has a worse standing in the industry overall compared to Travelers.
Travelers vs. USAA	9.5 vs. 9.2	If you’re a military member, USAA is the best option. If not, Travelers is your best bet.
Travelers vs. Farmers	9.5 vs. 8.6	Travelers is the superior option to Farmers regardless of the level of coverage you choose.
Travelers vs. Geico	9.5 vs. 9.1	Geico has comparable pricing, but Travelers offers more add-ons.
Travelers vs. American Family	9.5 vs. 9.1	Travelers is more available and has a better industry standing than American Family.

Travelers Car Insurance Cost

For research, we base our average rates on the profile of an unmarried 35-year-old with a clean driving record, good credit history and a 2022 Toyota Camry. The national average for a year of full coverage insurance is $2,008. In general, Travelers auto insurance pricing is slightly cheaper than average, and compared to its competitors. Our rate estimates show that the average cost of a full coverage policy from Travelers is $1,595 per year or $133 per month.

Is Travelers Insurance Expensive?

Travelers is among the more affordable providers out there with rates 20% lower than the national average for full coverage, according to our rate averages. While minimum liability coverage is typically closer to the average, you can find particularly low rates for comprehensive plans. We also found them to be the second cheapest insurance company out of the 130 we reviewed.

Travelers Full Coverage Car Insurance Vs. Competitors

We found full coverage rates from Travelers are cheaper than the national average. Below you’ll find its average pricing in comparison to major competitors:

Provider	Average Monthly Cost	Average Annual Cost
Nationwide	$119	$1,433
Erie Insurance	$122	$1,458
USAA	$126	$1,512
Travelers	$133	$1,595
Geico	$133	$1,596
Auto-Owners Insurance	$135	$1,619
State Farm	$138	$1,657
Progressive	$169	$2,030
Allstate	$216	$2,598
Farmers	$264	$3,169

Travelers Minimum Liability Car Insurance Vs. Competitors

Minimum liability coverage from Travelers is 2% more expensive than average rates. See its rates in comparison to major competitors:

Provider	Average Monthly Cost	Average Annual Cost
Auto-Owners Insurance	$30	$358
USAA	$32	$387
Erie Insurance	$33	$390
Geico	$38	$461
State Farm	$44	$523
Nationwide	$44	$531
Travelers	$54	$648
Progressive	$58	$697
Allstate	$71	$854
Farmers	$96	$1,153

Travelers Insurance Quotes

In the sections below, you can compare car insurance quotes for average pricing by age and driving record. The price you pay for car insurance depends on various factors, and the Travelers rates you receive may not reflect the estimates below.

Travelers Auto Insurance Rates For Teens

Auto insurance for teens from Travelers is cheaper than the national average of $7,581 for 16-year-olds. Below you can compare pricing for the ages of 16 to 19:

Age	Average Monthly Cost	Average Annual Cost
16	$453	$5,436
17*	$440	$5,276
18*	$369	$4,429
19*	$298	$3,570

Travelers Auto Insurance Rates For Young Adults

For young adults, Travelers has 18% cheaper rates on average in comparison to competitors. Here are average rates for 21 and 25 year olds:

Age	Average Monthly Cost	Average Annual Cost
21*	$209	$2,513
25	$141	$1,694

* Rates are from 2022 data.

Travelers Auto Insurance Rates For Adults

If you’re between the ages of 35-55, you can expect rates to be 27% lower than average for coverage. See average rates for these age groups:

Age	Average Monthly Cost	Average Annual Cost
35	$133	$1,595
45	$123	$1,475
55	$112	$1,346

Travelers Auto Insurance Rates For Seniors

You can get some of the best vehicle insurance for seniors at Travelers with average costs that are 10% lower than national rates. Below, you can compare costs:

Age	Average Monthly Cost	Average Annual Cost
65*	$122	$1,465
75*	$146	$1,754

Travelers Car Insurance Rates by Driver Profile

If you’re purchasing vehicle insurance with bad credit from Travelers, expect rates to be 21% lower than average. It’s also cheaper than the national average if you’ve been in an accident or had a DUI or DWI. Here are a few more Travelers cost estimates that apply to different driver profiles:

Driver Profile	Average Monthly Cost	Average Annual Cost
Good credit and driving history	$133	$1,595
Poor credit	$252	$3,019
One recent accident	$176	$2,110
DUI conviction	$185	$2,218

Travelers Car Insurance Discounts

Even though Travelers is already affordable, there are discounts that can help you save even more on car insurance premiums. The number of available Travelers insurance discounts is comparable to what you’ll find with other top insurers. Below is a list of the auto insurance discount offerings by Travelers Insurance:

Travelers Discount	Discount Description
Multi-policy	You can get a discount if you bundle your Travelers auto coverage with other insurance.
Multi-car	If you insure multiple cars on the same policy, you can lower your rates.
Home ownership	If you own your own home, regardless of where it’s insured, you can save on auto insurance.
Safe driver	If your household doesn’t have any claims in three to five years, you can get a discount on your auto policy.
Continuous insurance	You may be eligible for a discount if you’ve held a Travelers insurance policy with no gaps in coverage.
Hybrid/electric car	If you own or lease an alternative fuel vehicle, you can save on Travelers auto insurance.
New car	You may qualify for savings if you purchase a car that’s three model years old or less.
Payment choice	If you pay in full, opt to go paperless or set up automatic payments, you can receive a discount.
Early quote	If you get a quote from Travelers before your current policy expires, you may be eligible for a discount if you switch.
Good student	High school and college students who maintain at least a B average can save money on coverage.
Student away at school	If you have a student in school at least 100 miles away that doesn’t drive, you can get a discount.
Driver training	Drivers who complete an approved driver’s education class can qualify for a discount.

Travelers IntelliDrive Discount

IntelliDrive is Travelers’ telematics insurance program, or usage-based program. It’s a mobile app that evaluates your driving habits, like the time of day you drive, your speed, acceleration and braking and how much you interact with your phone behind the wheel. Good drivers can earn a discount of up to 30%, but if you display riskier driving habits, your premium can increase.

The IntelliDrive program isn’t available in the following states:

Alaska
California
Hawaii
Louisiana
Michigan
New York
Rhode Island
West Virginia

Travelers Insurance Quote

You can receive Travelers insurance quotes either on its website or through a local agent at 1-866-603-4909. You’ll be required to enter personal information such as your birth date or location, vehicle details (make,model, mileage) and the coverage level you want. From there you’ll be given a set quote and can immediately choose to get coverage and apply discounts.

Travelers Car Insurance Coverage

You can get the standard types of car insurance through Travelers:

Bodily injury liability: A type of liability car insurance that covers other parties’ medical bills after an accident you cause
Property damage liability: Covers other parties’ property repair bills after an accident you cause
Collision insurance: Covers repairs to your own vehicle after an accident you cause
Comprehensive insurance: Covers repairs to your vehicle after a non-collision incident such as a flood, vandalism or theft
Medical payments (MedPay): Covers certain medical bills for you and your passengers after an accident, regardless of who is at fault
Personal injury protection (PIP): Covers medical bills, lost wages and death benefits for you and your passengers after an accident in a no-fault state
Underinsured motorist/uninsured motorist: Covers your property repairs and medical bills if you’re hit by a driver who cannot be identified (such as in a hit-and-run situation) or does not have enough insurance coverage to pay your bills

Each state sets its own minimum requirements for auto insurance, so you may not need the same coverage as your friends and relatives in a different area of the country. Beyond meeting minimum coverage limits, it’s smart to get collision and comprehensive insurance to further protect your finances in the event of an accident.

Additional Travelers Insurance Coverage Options

The company also offers additional coverage and other insurance products you can add onto your auto policy:

Two levels of 24/7 roadside assistance
Rental car coverage in the case of a covered accident
Guaranteed asset protection insurance, also known as gap insurance, to cover what you owe on a loan or lease after your car is totaled
Accident forgiveness and minor violation forgiveness
New car replacement coverage to help with the purchase of a new vehicle if yours is totaled within the first five years of ownership
Rideshare coverage in Colorado and Illinois

Travelers Insurance Claim Process

You can file a claim with Travelers over the phone, on the company website or through its mobile app. A claim professional will then contact you and walk you through the process. You can easily track the status of your claim by creating a MyTravelers account on the Travelers website.

Travelers can assess the damage to your vehicle through its network of trusted repair facilities or via virtual inspection. Once your car has been repaired and you’ve paid your insurance deductible, Travelers will pay you or your loan or lease company.

Travelers Insurance Customer Reviews

In August 2022, we surveyed 6,923 customers of major insurance companies. Through this research, we found that Travelers ranked fifth out of 15 companies for overall satisfaction. Customers reported that they enjoyed the shopping experience and usability on its website. Below is a summary of our results.

Travelers Insurance Customer Satisfaction

Of the 6,923 respondents, 1.5% (or 105) had a Travelers auto insurance policy. These respondents rated Travelers a score of 4.2 out of 5 in terms of overall customer satisfaction.

Travelers Insurance Customer Ratings

Here’s a look at how survey respondents rated Travelers insurance customer service in five major segments: affordability, discounts, coverage, shopping and website experience.

Ratings Category	Score (Out of 5)
Affordability	3.8
Discounts	3.7
Coverage	3.9
Shopping	4
Website	4

Travelers Insurance Reviews BBB

Travelers has an A rating from the Better Business Bureau (BBB). But out of 230 customer reviews on the website, Travelers averaged a score of 1 out of 5 stars. While this may seem alarming, this website is generally used for customer complaints, and the company has responded to more complaints than reviews in the past 12 months. It’s also a small sample size in comparison to its larger clientele.

Our team reached out to Travelers about its negative reviews and scores, but received no response.

Travelers Insurance Reviews Reddit

Overall, reviews on Reddit for the company are extremely positive and people praise its great customer service, large array of discounts and great claims services. They also say Travelers’ prices are lower than those of competitors like Allstate and Progressive. Negative reviews from Reddit users say that certain vehicles can’t take advantage of lower rates, and some report having customer service issues when getting a policy from the company directly.

Travelers Insurance App Reviews

Those who use the Travelers insurance app rate it highly. On the App Store, the Travelers Mobile application averaged a score of 4.7 out 5 stars with 65,000 reviews. On Google Play, the score was lower at 3.5 out of 5 from around 1,420 reviews. Many praise the app for its ease of use and convenient profile management while others report a lack of up-to-date information (mostly on the Google Play app version).

Travelers Home Insurance

While Travelers offers plenty of coverage options, the company tends to be on the expensive side compared to other providers. You’ll likely find the best home insurance for you elsewhere. We recommend comparing homeowners policy quotes to find a great deal.

Travelers Home Insurance Cost

Based on our analysis of average home insurance costs, we found a homeowners policy from Travelers can cost anywhere from $1,856 to $3,941 or an average of $2,661. This is more expensive than the industry average of $2,417. However, pricing for homeowners policies can differ based on location, square footage, home age, credit score and more.

Travelers Home Insurance Discounts

Below are the discounts that Travelers offers to help customers save on home insurance:

Travelers Home Insurance Discount	Details
Multi-policy	Get a discount of up to 12% for bundling your home insurance policy with a Travelers auto insurance policy and three other policies.
Home buyer	Get a discount if you purchased your home within 12 months of the policy effective date.
Loss-free	Receive a discount if you haven’t experienced a loss within a specified period.
Protective device	Save by having protective devices in your home, such as smoke detectors, interior sprinkler systems or a home security system.
Green home	Get up to 5% off your policy if your home is a certified “green home” by the Leadership in Energy and Environmental Design (LEED) organization.

Travelers Home Insurance Coverage

Most homeowners insurance policies cover the cost of losses to your home and personal property resulting from severe weather incidents or theft and vandalism.

Travelers offers the following standard types of home insurance coverage:

Dwelling coverage: This coverage helps you pay to repair or rebuild your home if a covered event damages it. Note that you’ll want to have enough dwelling coverage to pay for estimated repairs or rebuild or replace your property.
Other structures coverage: This insurance helps pay for covered damages to detached structures on your property like garages, sheds and fences.
Personal property coverage: This coverage helps pay for personal items in your home, such as furniture and clothes, which were damaged or destroyed by a covered loss.
Loss of use coverage: This insurance helps cover additional living expenses if you temporarily move out of your home while it’s being restored.
Personal liability coverage: This coverage can protect you in the event of a claim and helps cover costs if a lawsuit is brought against you or a member of your household for bodily injury or property damage.
Medical payments to others: This insurance pays for medical bills if someone is injured in your home and it’s not your fault.

The company also has options for condo insurance with similar coverages to those mentioned above.

Additional Travelers Home Insurance Options

Travelers also provides the following add-on home insurance coverage options:

Coverage Add-on	Plan Details
Special personal property coverage	This provides broader protection for your possessions in the event of a covered loss.
Contents replacement cost coverage	This helps cover personal property losses based on their replacement cost at the time of loss with no deduction or depreciation.
Additional replacement cost protection coverage	If dwelling coverage isn’t enough to repair or rebuild your house after a loss, this add-on provides extra coverage.
Jewelry and valuable items coverage	This coverage provides extra protection and higher limits for valuables including jewelry and silverware.
Personal articles floater	This add-on policy is available if you need more coverage for specific valuables.
Water backup and sump pump discharge or overflow coverage	This add-on option covers a loss if water backs up from a sewer or drain within your home or if water discharges or overflows from your sump pump.
Identity fraud coverage	If you’re a victim of identity fraud, Travelers will reimburse you up to $25,000.
Green home coverage	After a covered loss, Travelers provides additional protection that can help cover the cost to repair, replace or rebuild with green materials.

Travelers Home Insurance Review

Travelers home insurance is pretty standard for the industry, and while the company does offer plenty of add-on options, its policies are expensive compared to other companies. We recommend comparing as many homeowners insurance quotes as possible from multiple companies.

Start comparing our top picks in our comprehensive reviews:

Liberty Mutual home insurance
Allstate home insurance
Farmers home insurance
State Farm home insurance
Nationwide home insurance
Erie home insurance
USAA home insurance
American Family home insurance

Travelers Renters Insurance

Travelers offers standard coverages for renters insurance which include personal property, personal liability and medical payments. However, it also offers the additional benefit of coverage for damages caused by work done to a rental property. You can also get add-ons for valuable items and content replacements.

Travelers Renters Insurance Price

Based on quotes we received from Travelers, renters insurance from the company costs around $23.44 per month on average. This is well over the national monthly average of $15. It isn’t one of the cheapest renters insurance providers in our analysis, but your quote can vary widely depending on the coverage level you choose, your credit score, deductible and more.

Travelers Renters Insurance Review

We rated Travelers renters insurance a 4.15 out of 5 stars for its great add-on coverage options and customer claims satisfaction. While it’s slightly more expensive than average, your rate may vary. In your search for the best renters insurance, we recommend comparing as many quotes as possible.

Below you can compare our top picks through our reviews:

Lemonade renters insurance
Toggle renters insurance
State Farm renters insurance
USAA renters insurance
American Family renters insurance
Nationwide renters insurance
Allstate renters insurance

Travelers Insurance: Other Policy Offerings

In addition to the coverage plans mentioned, Travelers also has plans for the following:

Motorcycle insurance
Boat insurance
RV insurance
Travel insurance
Pet insurance
Landlord insurance
Wedding insurance
Flood insurance
Umbrella insurance
Business insurance

Travelers Motorcycle Insurance

Travelers does not offer motorcycle insurance directly and instead does so through an affiliate provider named Dairyland. Coverages include collision, comprehensive and liability insurance. You can also purchase add-on options for rental reimbursement, replacement vehicles, roadside assistance and special equipment.

Dairyland is one of our picks for cheap motorcycle insurance coverage, but we recommend comparing multiple quotes before making a decision. Below you’ll find additional company reviews to help in your search:

Progressive motorcycle insurance
Geico motorcycle insurance

Travelers Boat Insurance

Travelers offers boat and yacht insurance to cover damages incurred while on the waves and to persons on board your vessel. You’ll also receive medical payment coverages and towing cost reimbursement with your policy. We recommend comparing boat insurance prices to get the best deal for your marine vehicle.

Check out some of our best boat insurance and cheapest boat insurance picks:

State Farm boat insurance
Progressive boat insurance
Allstate boat insurance

Travelers RV Insurance

As part of Travelers’ homeowners sector, you can purchase RV insurance for your motorhome. While details are not provided expressly on its website, it does offer standard coverage for all types of motorhomes. However, you’ll have to compare RV insurance costs online in order to get a better read for what a policy may cost.

If you’re looking for some of the best and cheapest RV insurance policies out there, begin your search with these providers:

Progressive RV insurance
Geico RV insurance
Allstate RV insurance
State Farm RV insurance

Travelers Travel Insurance

Travelers offers travel insurance through Travel Insured International. Two types of travel coverage are available for multi-trip and single-trip policies:

Travel Policy	Type of Policy	Coverage Details
Worldwide Trip Protector	Single-Trip	This includes trip delays, cancellation/interruption, accident/sickness and up to $1 million in medical evacuation coverage.
Annual Multi-Trip Protector	Multi-Trip	This covers accident/sickness, trip delay and medical evacuation up to $400,000 dollars or two occurrences for one year of unlimited trips.

With either plan, you can purchase add-ons for travel inconvenience and cancellations for any reason. Travel Insured International isn’t one of our top picks for the best or cheapest travel insurance offerings out there, but we recommend comparing quotes from multiple providers to get the best deal possible.

Below we’ve provided some of our top picks to help you get started:

Travelex travel insurance
Nationwide travel insurance
Faye travel insurance
Allianz travel insurance
Trawick travel insurance

Travelers Pet Insurance

Travelers offers pet insurance policies with no network restrictions, examinations or upper age limits (dogs eight months and older). Plans are customizable and come with a discount of 10% if you insure multiple pets or are a current Travelers policyholder. While it’s not one of our picks for the best or cheapest pet insurance companies, we believe it’s a good idea to get a quote from them and multiple other companies.

You can start comparing our top picks below:

Lemonade pet insurance
Spot pet insurance
ASPCA pet insurance
Embrace pet insurance
Fetch pet insurance

Travelers Flood Insurance

To protect your home or condo from environmental flood damages, Travelers offers flood insurance plans through its partner, Neptune Flood. You can also get add-on coverages for unattached structures, basement items, pool repair and temporary living expenses.

Travelers Landlord Insurance

Travelers offers landlord insurance for those who own rental properties containing one to four units. Coverages are basically the same as renters insurance, but include liabilities and damage that affect the owner of the property.

Travelers Wedding and Special Event Insurance

To make sure your big day goes perfectly, Travelers offers wedding and special event insurance. Many venues require wedding insurance, and plans can cover alcohol-related incidents, gifts, jewelry, cancellation, attire and other liability damages. You can even get travel expenses covered if you’re using transportation provided by a venue.

Travelers Umbrella Insurance

Travelers umbrella insurance options can give you extra liability protections past your home and auto plans or other policies. It also provides additional protections for libel, slander, legal defense costs and other incidents outside the U.S.

Travelers Business Insurance

Travelers offers insurance policies including coverage for liability, property, workers compensation, commercial vehicles and more. It also provides services to help lower the risk of accidents within your company and conduct audits.

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