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For drivers looking for a solid car insurance provider that’s time-tested and can offer competitive rates, Travelers is a great option. Travelers offers the standard insurance options that most drivers need, along with some special coverage options, like insurance for ride-share drivers, or discounts for families with a student away at school.
Travelers car insurance may be part of a company that’s over a century old, but at this point it’s very much a modern provider, with a straightforward website that’s fairly intuitive when it comes to getting a quote or filing a claim online. And with a mobile app that can handle all your policy, bills and claim information, Travelers makes it possible to go totally paperless. Travelers even partners with Amazon to make it possible to access your policy information through Alexa.
But, while Travelers writes policies in 42 states and the District of Columbia, that still leaves some drivers out in the cold. It also has a tendency to be slightly pickier when it comes to clients, meaning not every application will be approved. It also tends to have better deals on auto when bundled with another type of insurance as opposed to standalone auto.
Market Share: 3.82%
A.M. Best rating: A++ (Superior)
Better Business Bureau rating: A+
Consumer Reports rating: 90
J.D. Power Claims Satisfaction rating: 866
Travelers car insurance is available in 42 states and the District of Columbia. It’s not available in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota or Wyoming.
Travelers is a well-established, major carrier — meaning that you’ll be able to find all the standard coverage options you’ll get from similar large competitors. It also offers comparable discounts, as well as some standout offers that could help you shave money off your regular premiums, like the Premier Responsible Driver Plan, which gives drivers up to $500 off their deductible for staying accident free.
Liability protection - The core of most car insurance policies, liability protection covers you financially if you cause damage or injuries to someone else, their vehicle or other property with your car
Collision coverage - This covers damage to your car caused by an accident
Comprehensive coverage - Covers you financially for any damage to your car that’s not caused by a collision, like extreme weather, vandalism, theft or fire
Personal injury protection - This covers medical expenses, lost wages and other expenses for you and your passengers after injuries following an accident
Uninsured and underinsured motorists coverage - This protects you from costs incurred after an accident caused by an uninsured or underinsured driver
Medical payments coverage - Helps pay for medical expenses for you or your passengers after an accident, whether or not you were at fault
Ride-sharing coverage - Only available in Colorado and Illinois, this coverage can help protect rideshare drivers by offering extra coverage while a ride-share app is on but before a driver has been matched with a passenger
Rental car reimbursement - Covers the cost of a rental car if your vehicle is damaged and out of commission for longer than 24 hours
Roadside assistance - Pays for towing, fuel delivery, flat-tire change, a jumpstart, or lockout assistance
New car replacement - Pays to replace your car with a new one of the same make and model if you total your vehicle within the first five years of ownership
Accident forgiveness - Prevents your rates from increasing after an at-fault incident. Learn more about accident forgiveness.
The cost of car insurance can vary drastically and depends on everything from your ZIP code to your age to your credit history, so it’s difficult to predict what an average driver’s policy will be before they actually go get a quote.
But let’s examine a sample auto insurance policy from Travelers for a driver in a Southern state with three vehicles: A 15-year-old sedan, a two-year-old pickup truck, and a one-year-old SUV. The total annual premium for the policy was 1,130, higher than that state’s average annual auto insurance premium of $1,048.
|Basic Coverages||Policy Limits|
|Liability||$250,000 each person, $500,000 each accident|
|Uninsured/Underinsured motorists bodily injury||$250,000 each person, $500,000 each accident|
|Uninsured/Underinsured motorists property damage||$50,000 each accident|
|Substitute transportation (rental car)||$30 each day, $900 maximum payout|
Total annual premium = $1,130
Travelers offers similar discounts to many of its competitors, like benefits for bundling car insurance with home or condo insurance, or “good student” discounts for high school or college students who maintain above a certain grade point average. There are also discounts for driving a hybrid or electric vehicle, discounts for insuring two or more cars on the same policy, and discounts for having one of your dependents away at school without a car.
The company also recently rolled out its Intellidrive program, which tracks drivers through a smartphone app and can help knock money off your premiums if it records safe driving behavior.
With a simple, straightforward website, the quote process is easier with Travelers than it is with some of its competitors. Travelers promises an online quote in less than seven minutes, and when we went through the process it took a little less than that. You can also get a quote by calling an agent. After you get your quote (and compare with other offers) you can continue the buying process online or via phone.
Travelers allows you to submit claims online, over the phone, or through the Travelers mobile app. On the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, Travelers scored 866, slightly above the industry average of 861, which put it ahead of other major providers like State Farm, Nationwide, Allstate, GEICO, MetLife, Esurance and Progressive.
And Consumer Reports readers gave Travelers a rating of “excellent” for factors like ease of reaching an agent, freedom to choose repair shops, and receiving a timely payment. It scored a “very good,” slightly lower on the scale, for how well readers felt they had been kept informed of their claim status.
Drivers can save significantly by bundling car insurance with another type of insurance from Travelers — and there are plenty of choices when it comes to adding more coverage.
Homeowners insurance - Insurance for your home
Condo insurance - If you own a condo, this covers everything your condo association’s master policy doesn’t
Renters insurance - This will cover all the stuff inside your rental unit and also a lot of stuff outside it, too
Landlord insurance - Protects you if your tenants damage your property
Jewelry and valuable items coverage - Coverage for items whose value exceeds the limits on your home or renters insurance
Boat and yacht insurance - Insurance for your marine vessel
Umbrella insurance - Extra liability that you can add to home or auto policies to protect you from claims that wouldn’t normally be covered or amounts that exceed your limits
Access your policy info through Alexa on Amazon devices
The optional Intellidrive program that tracks your driving via smartphone for 90 days and adjusts your rates accordingly
Online bill payment and claims filing
A Travelers mobile app for paying bills, filing claims, and viewing your policy overview
Phone: (917) 778-6000
Headquarters: 485 Lexington Avenue, New York, NY 10017
The review on this page is only for the company’s auto insurance products.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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