Travelers Auto Insurance Review

Travelers is a well-established insurance provider with a long history and solid coverage options. Travelers car insurance boasts above-average claims satisfaction and timely claim payouts, making it a good option among the large carriers.

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Overview

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.

Pros

  • Above-average claims satisfaction rating
  • Intuitive digital tools
  • Wide range of available discounts
  • Accident forgiveness and decreasing-deductible options

Cons

  • Not available in every state
  • Can be particular about clients
  • Rates for standalone auto coverage may not be as cost-effective

By The Numbers

Founded: 1853

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

Which states is Travelers car insurance available in?

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 auto insurance availility by state

StateAvailabilityStateAvailability
AlabamaXMontanaX
Alaska NebraskaX
ArizonaXNevadaX
ArkansasXNew HampshireX
CaliforniaXNew JerseyX
ColoradoXNew MexicoX
ConnecticutXNew YorkX
DelawareXNorth CarolinaX
FloridaXNorth Dakota
GeorgiaXOhioX
Hawaii OklahomaX
IdahoXOregonX
IllinoisXPennsylvaniaX
IndianaXRhode IslandX
IowaXSouth CarolinaX
KansasXSouth Dakota
KentuckyXTennesseeX
Louisiana TexasX
MaineXUtahX
MassachusettsXVermontX
MarylandXVirginiaX
Michigan WashingtonX
MinnesotaXWashington D.C.X
MississippiXWest VirginiaX
MissouriXWisconsinX
WyomingX

Policy Details

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.

Standard coverage options

  • 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

Additional coverage and features

  • 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.

How much does Travelers cost?

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 CoveragesPolicy Limits
Liability$250,000 each person, $500,000 each accident
Property damage$100,000
Uninsured/Underinsured motorists bodily injury$250,000 each person, $500,000 each accident
Uninsured/Underinsured motorists property damage$50,000 each accident
ComprehensiveN/A
CollisionN/A
Substitute transportation (rental car)$30 each day, $900 maximum payout

Total annual premium = $1,130

Discounts

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 dependants 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.

Company details

Application process

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.

Claims process

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.

Other types of insurance offered

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

Digital tools

  • 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

Contact info

Website: www.travelers.com

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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