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Travelers Insurance Reviews

We rate Travelers 4.5 out of 5.0 stars and name it Best Coverage Options. See what Travelers insurance reviews show about its coverage and cost.

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09/20/2023 02:17 PM

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Travelers is one of the 10 largest insurance companies in the nation, according to the National Association of Insurance Commissioners (NAIC). The company offers standard auto insurance coverage as well as extensive add-on options, which is why we named it Best Coverage Options in our industry review for 2022. Additionally, Travelers insurance reviews show the company has a positive standing with customers.

Our experts will provide you with an in-depth look at Travelers auto insurance, including a deep dive into the company’s cost, coverage and customer reviews. We’ll also explain why we named it one of the best car insurance companies in the nation.

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Travelers Insurance Review

We give Travelers insurance a score of 4.5 out of 5.0. The car insurance provider has many discounts for drivers in addition to standard and add-on coverage options. It is one of the most popular choices for auto coverage in the nation. However, there are insurers that can offer more affordable rates and have better customer service reputations.

Travelers Insurance Rating

Below is a breakdown of our overall Travelers insurance rating of 4.5 out of 5.0 stars and each category that makes up our review team’s ratings. The final score of 4.5 was aggregated from Travelers’ performance across four main areas: cost, coverage, reliability, and claims service:

Reviews Category Rating Score
Cost 4.4
Coverage 4.8
Reliability 4.5
Service 4.3
Overall Rating 4.5

The overall score was determined by using the same methodology our review team uses to deliver unbiased assessments of auto insurance companies.

To outline some of the main reasons we gave this rating, below are detailed pros and cons surrounding Travelers insurance:

Travelers Insurance: Pros and Cons

Pros Offers several standard and add-on insurance options Several discounts available for good students and responsible drivers A++ financial strength rating from A.M. Best Drivers can participate in Travelers’ IntelliDrive® program
Cons Not as affordable as competitors Not available in all states

About Travelers Insurance

Founded: 1864
Parent company: Travelers Property Casualty Corp.
States available: 43
AM Best financial strength rating: A++
Insurance types: Auto, home, renters, boat and yacht, travel, and pet

Founded in 1864, Travelers is one of the oldest insurance companies in the world. The company became the first to sell more than one type of insurance, adding life insurance after its founding as an accident insurance company.

The company currently operates in 43 states, with 13,500 insurance agents available worldwide. Travelers currently sells:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Boat and yacht insurance
  • Travel insurance
  • Pet insurance

Travelers Auto Insurance Costs

Our cost estimates for full coverage policies show that drivers with clean records and good credit scores typically pay $1,617 annually for Travelers car insurance. This is slightly lower than the national average, which is $1,732 for a full coverage policy.

Travelers Auto Insurance Rates

Compared to the national average, Travelers auto insurance rates are 7% cheaper according to our estimates. Travelers’ auto insurance reviews mention that customers are pleased with the affordable rates they receive from the company. Travelers overall is not an expensive option compared to other companies, but insurance providers like Geico and USSA  are usually cheaper on average. It’s also important to note that these rates are just estimates and your car insurance costs could be higher or lower.

In our January 2022 car insurance survey, we polled 1,000 respondents and asked them if they had ever experienced a rate increase without an obvious cause (like an accident or ticket) from their car insurance provider. Additionally, we found that around 40 people had a Travelers car insurance policy Over 20 respondents with a Travelers car insurance policy reported they had never had a rate increase without an obvious cause. With this in mind, below we have listed what Travelers looks at when determining your insurance rates.

The factors that affect your Travelers car insurance costs include:

  • Age
  • Gender
  • Marital status
  • Location
  • Driving experience
  • Driving record
  • Credit history

In the next section, we will go into more detail about what your Travelers auto insurance costs will look like in states where it is offered.

Travelers Auto Insurance Rates: Estimates by State

Below are annual auto insurance rate estimates to help you get an idea of how much car insurance costs for Travelers in covered states. The insurance cost estimates are based on a 35-year-old married driver with a clean driving record and good credit scores.

State Annual Rate Estimate State Annual Rate Estimate
Alabama $1,269 Arizona $1,543
Colorado $1,503 Connecticut $1,548
Delaware $1,258 Florida $2,471
Idaho $1,050 Illinois $1,347
Kansas $1,461 Kentucky $1,480
Maine $924 Maryland $1,684
Massachusetts $2,675 Minnesota $1,509
New Jersey $2,376 North Carolina $1,262
Nevada $2,296 New York $3,241
Oregon $1,332 Pennsylvania $786
Rhode Island $1,767 South Carolina $1,458
Tennessee $1,452 Virginia $1,233
Washington $1,545

*Cost information is not available for all states where Travelers auto insurance is offered.

Travelers Auto Insurance Discounts

Travelers provide a number of opportunities to bring auto insurance policy costs down through its wide variety of discounts. Travelers insurance offers these car insurance discounts:

  • Multi-Policy Discount: Save up to 13 percent on your car insurance for bundling insurance policies.
  • Multi-Car Discount: Receive a discount if you insure two or more vehicles on the same insurance policy.
  • Homeownership Discount: Get a discount on your car insurance premium if you own a home or condo.
  • Safe Driver Discount: Having no previous accidents, violations, or comprehensive claims on your driving record means you could save money with this discount.
  • Continuous Insurance Discount: Keeping your insurance policy under Travelers means you may qualify for additional savings.
  • Hybrid/Electric Car Insurance Discount: Owning or leasing a hybrid or electric vehicle means you are eligible for discounts.
  • New Car Discount: Purchasing a new car or owning a vehicle that is less than three years old helps you save on your insurance premium.
  • Pay in Full, Electronic Funds Transfer, and Good Payer Discounts: Paying your entire premium up front, through electronic funds transfer (EFT), or on time each month will earn you additional savings.
  • Early Quote Discount: Get a car insurance quote from Travelers before your current policy expires to receive a discount.
  • Good Student Discount: Dependents on your insurance plan who are in high school or college with B averages or better qualify for the Good Student discount.
  • Student Away at School Discount: Children on your insurance plan who go to school 100 miles away from home and aren’t planning on driving your cars qualify for this discount.
  • Driver Training Discount: Complete an approved driver education course and save on your insurance coverage.

Early Quote, EFT, New Car, Safe Driver, Continuous Insurance, Paid in Full, Good Payer, and Multi-Car discounts are not available in California.

Travelers Auto Insurance Coverage

Travelers insurance offers various car insurance plans, whether you’re looking to meet your state’s minimum insurance requirements or you want comprehensive coverage. 

Here are the standard types of coverage that Travelers offers:

Liability Bodily injury (BI) liability insurance covers medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses, such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Travelers Auto Insurance Coverage: Additional Options 

The company also offers additional coverage options so you can find the protection you need, including:

Loan/Lease Gap Loan/lease gap insurance pays the difference between the actual cash value of your vehicle and the unpaid balance of your auto loan/lease if your car is totaled in an accident.
Rental Car Rental car coverage helps pay for a rental car if your vehicle is damaged in a covered accident and is out of commission for more than 24 hours.
Roadside Assistance Roadside assistance coverage is an add-on insurance policy that can help you when you are stranded due to unexpected car trouble.
New Car Replacement New car replacement coverage replaces your new car with the same make and model if the original is totaled in the first five years of ownership.
Accident Forgiveness Accident forgiveness coverage forgives one accident within a specified time.
Named Non-Owner Named non-owner insurance is coverage for drivers who don’t own vehicles.
Umbrella Insurance Umbrella insurance provides additional liability coverage to help cover defense, costs, attorney fees and other charges associated with lawsuits.

Travelers Rental Car Insurance

Travelers offers rental car insurance as standard through your auto insurance policy and through their rental car reimbursement program. If you enroll in rental car reimbursement, Travelers will pay a fixed amount per day toward the cost of your rental, up to a maximum per-claim limit. Their rental reimbursement coverage costs between $2 to $15 on average, but rates may differ. If you do not enroll, coverage on your rental car will be limited by the same terms in your personal policy.

Travelers Usage-Based Insurance

Drivers in select states can choose to take part in Travelers’ usage-based insurance program IntelliDrive®. The 90-day program uses a smartphone app to capture data and score how safely you drive based on your driving habits. You can earn discounts on your policy simply by enrolling in the program. When you renew your auto insurance policy, the data can lead to extra savings or an increased premium depending on your driving behaviors.

How to Cancel Travelers Auto Insurance

You can cancel your auto insurance policy through three different methods including calling a representative at 800-842-5075, writing a letter to (Travelers P.O. Box 5600 Hartford, CT 06102), or going to a local Travelers office. Before pursuing any of these options make sure you have your name, Travelers policy number, the cancellation date of your policy, and details for your replacement policy. Travelers do not have a cancellation fee so you can feel free to cancel a policy at any time.

Travelers Mobile App

Travelers offers a mobile app for drivers on the App Store and Google Play. You can use the Travelers Mobile app to pay insurance costs, track roadside assistance, file a claim and check its status, download auto insurance ID cards, and access your agent’s contact information.

The Travelers Mobile app currently has a 4.7-star rating out of 5.0 on the App Store from over 26,000 reviews. It also has a 3.3-star rating out of 5.0 on Google Play. Many customers are pleased with how easy and convenient it is to use, though some report issues with the payment process through the app.

Travelers Insurance Customer Reviews

Better Business Bureau (BBB) rating: A
BBB complaints in last three years: 472
J.D. Power customer satisfaction index: 861 / 1,000

Travelers has a positive insurance industry reputation, especially when it comes to the company’s quotes and claims processes. The company scored 860 out of 1,000 points and is ranked sixth in the largest insurers category in the J.D. Power 2021 U.S. Insurance Shopping StudySM. Travelers also holds an A++ (Superior) financial strength rating from AM Best, which shows its ability to pay out claims on time.

While Travelers holds an A rating from the BBB, it also has a 1.1-star rating out of 5.0 from customer reviews on the site and has closed over 450 complaints in the past three years. Though negative reviews may seem like a cause for concern, it’s normal for a company of this size to have a low rating and many negative reviews. Overall, these represent a relatively small number of Travelers insurance policyholders.

Positive Travelers Insurance Reviews

Positive Travelers insurance reviews praise the company for its affordable coverage and excellent customer service.

“[I’ve] been with Travelers for probably 30 years for auto insurance. [I] have made three claims for totaled cars. They have been excellent to deal with, responsive, informative, and fair. So far, I’m very happy with them.”
– David A. via BBB

“Great coverage and great prices.”
– Donald W. via BBB

Travelers Insurance Complaints

Travelers insurance complaints highlight issues with the company paying out insurance claims to drivers after accidents.

“I’m absolutely disgusted with Travelers. They are unethical complete liars [and] they will say anything not to pay a claim. Let this be your warning. Do not use this company for anything.”
– Casey B. via BBB

“[They] barely even try. [They] stated I was in the lane and out of my spot when they backed into my car, yet somehow I’m the one at fault. Worst vehicle insurance possible.”
– Alecia C. via BBB

Travelers IntelliDrive Reviews

The Travelers IntelliDrive app has high ratings, especially compared to other companies’ usage-based insurance apps. It has a 4.1-star rating out of 5.0 on Google Play and a 4.5-star rating out of 5.0 on the App Store, and users report that it works well.

Travelers Auto Insurance Reviews: Conclusion

In our review, we rate Travelers insurance a 4.5 out of 5.0 stars for its many discount options and stellar customer service. Travelers offers plenty of insurance coverage options and incentives for students and new drivers. Coverage costs are also cheaper on average for its insurance policies, but availability is limited.

While Travelers insurance is a good option for many drivers, we recommend reaching out to other companies before signing a contract. This will allow you to shop around for car insurance quotes to find the best deal and coverage for your situation.

Travelers Auto Insurance Competitors: Top Providers

While Travelers can be a great option, you should compare top insurance providers to find the best deals. Through our review of the best car insurance companies, we found that Geico and USAA stood out above the rest. Below is a breakdown of their coverage options and reputation.

Geico: Best Overall Provider

Geico is the second-largest insurer in the U.S. behind State Farm. The company offers every standard car insurance option, as well as additional coverage add-ons such as roadside assistance, rental reimbursement, and mechanical breakdown insurance.

Geico has an A++ (Superior) financial strength rating from AM Best, showing that it is equipped to meet customer claims obligations. It also has an A+ rating from the BBB.

Read more in our complete Geico car insurance review.

USAA: Best For Military Members

USAA auto insurance is available only to military members, veterans, and their families. The company has some of the lowest average rates and highest customer satisfaction scores of any insurance company.

USAA has an A++ (Superior) financial strength rating from AM Best and scores highly in a number of J.D. Power insurance studies. It received the highest score in the J.D. Power 2021 U.S. Insurance Shopping Study℠, with 902 out of 1,000 points.

Learn more about the insurer in our USAA car insurance review.

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Travelers Auto Insurance Review: FAQ

Is Travelers good at paying claims?

Yes, Travelers is good at paying claims. The company has an A++ financial strength rating, which shows it has the financial capability of paying out claims on time. Further, our January 2022 car insurance survey found that over 39% of Travelers policyholders had their claims resolved within two weeks.

Is Travelers a good company?

Travelers Insurance is a good option for drivers who are looking for comprehensive coverage. The company offers six standard insurance options in addition to several add-on coverage options.

Does Travelers Insurance have a good rating?

Yes, Travelers insurance holds an A++ (Superior) financial strength rating from AM Best and an A rating from the BBB. Both ratings show the company’s ability to pay out claims and respond to complaints.

What are the best insurance companies?

We named USAA, Geico, Progressive, State Farm, and Travelers as the best car insurance companies based on reliability, cost, coverage, and customer service. These companies consistently had some of the best rates in the industry for most drivers.

What is Travelers' NAIC number?

The National Association of Insurance Commissioners (NAIC) assigned Travelers 25658 as its NAIC number. This number tracks customer complaints and ethics violations across state lines. Each Travelers affiliate company has its own code.

What is the Travelers insurance claims number?

Travelers policyholders who need to report claims can contact the company at 1-800-238-6225. If you want to check on the status of your claim, you can speak to a representative by calling the same phone number.

What insurance products does Travelers sell?

Travelers sells a range of standard coverage products. The insurer sells home insurance policies, auto insurance, renters insurance, boat and yacht insurance, travel insurance, and pet insurance.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.