4.3 / 5

Travelers Auto Insurance Review

Travelers is a well-established insurance provider with a long history, low costs, and solid coverage options, making it a great option for many people.

Haley Sprankle

By 

Haley Sprankle

Haley Sprankle

Reviews Editor

Haley Sprankle is a former reviews editor at Policygenius who specializes in homeowners and auto insurance. Previously, she was a writer at Wirecutter and The New York Times.

Updated  | 4 min read

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Travelers

OVERALL

4.3

THE GOOD

    Low average premiums

    Great financial outlook

    Plenty of digital tools

THE BAD

    Not as many unique coverage options

THE BOTTOM LINE

Travelers insurance has been around since the 1860s, building up a wide client base and an even better reputation. The company scores well among consumer websites and credit-rating agencies alike, proving that Travelers has more to offer than just low premiums and solid coverage — it provides a full customer experience. This company is great for anyone looking for good customer service and basic coverage at lower-than-average prices.

Price

Average annual premium cost for auto insurance coverage and number of discounts available.

8.3

Financial confidence

Financial ratings from credit rating agencies.

9.3

Third-party ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.

7.5

Policy options

Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.

8.7

Customer experience

Ease of use, convenience, availability, points of contact, payment options, and claims ratings.

9.0

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The details

The good

Low average premiums. The average cost of a full-coverage policy with Travelers is about 5% lower than the national average. On top of that, there are plenty of available discounts as well.

Great financial outlook. All of the top credit rating agencies gave Travelers high marks for the company’s financial performance. This gives customers greater confidence that Travelers will be around for a long time.

Plenty of digital tools. Whether you need to pay your bill or manage your policy, you can do all that online or through the Travelers mobile app. You can even file claims through the app, which is especially useful after an accident.

The bad

Not as many unique coverage options. Travelers has all of the basic coverage options most drivers will need, but it doesn’t offer any real standout coverage options. This won’t be a problem for most people, but if you’re interested in something specific, like original equipment manufacturer coverage you may want to consider other options.

Price

Average annual premium cost for auto insurance coverage and number of discounts available.

8.3

Travelers is one of the more affordable carriers when compared to industry average rates. After analyzing rate data from Quadrant Information Services, we found the average premium for a full-coverage policy with Travelers is $1,580. This is almost 5% lower than the national average of $1,652. 

Discounts

Travelers offers 16 discounts on their website, which gives you plenty of opportunities to lower your premiums even more. Those discounts include:

  • Multi-policy discount. Save money when you bundle multiple insurance policies through Travelers, like home and auto insurance.

  • Multi-car discount. If you insure more than one car on the same policy, you could save money.

  • Homeowner discount. If you own your home or condo, you may be eligible for a discount.

  • Safe driver discount. Going 3-5 years without any major accidents or traffic violations could earn you a discount on your premium. 

  • Continuous insurance discount. If you’ve had insurance with Travelers consistently without any gaps, you could be eligible to save money.

  • Hybrid/electric car discount. You could earn a discount if you drive a car that runs on electricity, alternative fuel, or some hybrid of those. 

  • New car discount. This discount can be applied if you’ve bought your car in the last three years and you’re the first owner.

  • EFT discount. If you pay your bill with an electronic funds transfer (EFT) or a payroll deduction, you could see a reduction in your bill. 

  • Pay in full discount. Paying your bill up front at the beginning of your policy could also save you some money.

  • Good payer discount. You can earn a discount on your premium if you consistently pay your bill on time. 

  • Early quote discount. If you get your quote before your current policy ends, you could get a discount. 

  • Good student discount. High school and college-aged students who receive a B average or above can earn a discount on their policy.

  • Student away at school discount. If you have a dependent who goes to school 100 or more miles away and won’t be driving a car, you could get a discount.

  • Driver training discount. After finishing an approved driving course, you could be eligible for a discount. 

  • Affinity programs discount. If you’re a part of a participating affinity group through your credit union, employer, or association group, you could get a discount on your premium. 

  • IntelliDrive discount. You could earn a discount if you install the IntelliDrive application on your phone which monitors your driving for 90 days and awards discounts to safe drivers.

Financial confidence

Financial ratings from credit rating agencies.

9.3

It’s helpful to understand how well an insurance company is doing financially. This can indicate that the company will have the capital to fulfill claims and other financial obligations to you. Amongst our trusted credit rating agencies, Travelers scores top marks. Here’s how the scores break down:

  • A.M. Best: A++

  • Moody’s: Aa2

  • S&P: AA

A.M. Best is one of the top credit-rating agencies we use to assess financial confidence. Travelers has a score of A++ (effective February 8, 2022), which is the highest rank you can earn.

Moody’s rates a company’s ability to pay back debts and assesses its financial standings as a whole, which is especially important when considering claims payouts. Travelers has a rating of Aa2, the third highest score you can earn from the company.

Standard & Poor’s (S&P) also rates companies based on their ability to pay out claims and overall financial performance. Like with Moody’s, Travelers has the third highest score of AA.

Third-party ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.

7.5

It’s hard to understand what type of experience you’ll get out of an insurance company without being a customer. That’s why third-party reviews can be so useful in giving insight into the overall customer experience. Travelers scored well among the websites we use to judge this. Here’s how it scored:

  • Consumer Affairs: 4/5

  • Consumers Advocate: N/A

  • NAIC: 0

Consumer Affairs is a customer review website that allows consumers to rate companies directly. Travelers has a high score of 4 out of 5, meaning that customers seem satisfied overall with their service.

Consumers Advocate scores companies based on factors like policy offerings and claims processing. Consumers Advocate hasn’t scored Travelers directly, but the company ranks on the top 10 list for the best auto insurance companies. This indicates to us that the company is viewed highly.

National Association of Insurance Commissioners (NAIC) rates companies based on the number of complaints they receive. Travelers has a score of zero, meaning that the company hasn’t received enough complaints to rank.

Policy options

Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.

8.7

Coverage options

Travelers offers solid coverage options, but nothing too unique. First, you can get basic coverage that includes:

  • Liability coverage. Covers the costs if you damage someone else's car or injure another driver in an accident.

  • Personal injury protection. Helps cover the cost if you or your passengers are harmed in an accident (this is required in no-fault states).

  • Uninsured and underinsured motorist coverage. Covers you and your vehicle if someone with inadequate insurance, or without insurance, hits your car.

  • Comprehensive coverage. Covers the costs of any non-collision damage done to your car including vandalism or theft.

  • Collision coverage. Covers the cost of the damage to your car in the case of an at-fault accident.

Then, there are a handful of other coverages you can add on to your policy. Again, there’s nothing particularly notable about these options, but they’re still good to have in case you need them. Those include:

  • Loan/lease gap coverage. Required by many lenders, “gap” coverage protects you in the event that a rented or leased vehicle is totaled and you owe more on the remainder of the lease or loan than the car was worth.

  • Rental coverage. This coverage provides reimbursement if you need to rent a car while yours is being fixed after a covered incident. 

  • Roadside assistance. You can add this to your policy for help in the event of incidents like flat tires and dead batteries.

  • New car replacement coverage. If your car is 5 years old or younger and is deemed a total loss after an accident, this coverage will pay to replace it with the same make and model.

  • Accident forgiveness. If you qualify for it, you can add this to your policy to prevent your rates from increasing after a single accident.

  • Rideshare coverage. This coverage protects you while you’re on the clock for a rideshare company like Lyft or Uber. 

  • Named non-owner coverage. If someone frequently drives a car, but doesn’t own it (think a family or a household car), you can add this coverage to protect them in the event of an accident. 

Roadside assistance

Travelers offers two tiers of roadside assistance — Roadside Assistance Coverage and the Premier Roadside Assistance Package. Here’s how the two tiers break down:

Roadside Assistance Coverage

  • Towing for up to 15 miles

  • Dead battery/jumpstart services

  • Fuel delivery

  • Flat tire change

  • Lockout assistance

  • Roadside winching (or dragging)

Premier Roadside Assistance Coverage

  • Everything offered in the basic package

  • Towing for up to 100 miles

  • Trip interruption coverage, which will reimburse you if your car breaks down during a trip more than 100 miles away. This covers $200 a day for up to $600 total for food, lodging, and transportation needs.

  • Personal property coverage for up to $500 for any belongings that are destroyed, damaged, or stolen during a covered incident.

Other insurance products

Travelers offers other standard insurance products, including:

  • Homeowners insurance

  • Condo insurance

  • Boat insurance

  • Motorcycle insurance

  • Wedding/event insurance

  • Renters insurance

  • Umbrella liability insurance

Customer experience

Ease of use, convenience, availability, points of contact, payment options, and claims ratings.

9.0

When it comes to customer experience, Travelers offers great digital tools, is widely available, and has multiple payment options.

State availability

Travelers is available in 42 states. It’s not available in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, or Wyoming. Travelers is available in:

  • Alabama

  • Arizona

  • Arkansas

  • California

  • Colorado

  • Connecticut

  • Delaware

  • Florida

  • Georgia

  • Idaho

  • Illinois

  • Indiana

  • Iowa

  • Kansas

  • Kentucky

  • Maine

  • Maryland

  • Massachusetts

  • Michigan

  • Minnesota

  • Mississippi

  • Montana

  • Nebraska

  • Nevada

  • New Hampshire

  • New Jersey

  • New Mexico

  • New York

  • North Carolina

  • Ohio

  • Oklahoma

  • Oregon

  • Pennsylvania

  • Rhode Island

  • South Carolina

  • Tennessee

  • Texas

  • Utah

  • Vermont

  • Virginia

  • Washington

  • Wisconsin

Digital tools

  • Online quote tool and application

  • Online and mobile bill pay

  • Online and mobile policy management

  • Online and mobile claims filing

  • Electronic policy delivery

  • Usage-based mobile app (IntelliDrive)

  • FAQ and blog resources

Agent points of contact

  • Phone

  • Online

  • Mobile app

Ease of claims

You can file claims by phone, online, or through the Travelers mobile app.

Payment methods

  • Mail

  • Phone

  • Online

  • App

  • Autopay

  • EFT

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.