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When looking for car insurance online, you may find plenty of options for insurers. One insurer that will likely come up in your search is Travelers. Overall, Travelers has a good industry reputation and offers a wide variety of products in addition to auto insurance.
Here’s what you need to know about Travelers’ car insurance products, industry ratings, discounts, and reviews.
Travelers has more than 165 years of insurance industry experience.
You can potentially qualify for 12 discounts from Travelers.
Travelers received an A.M. Best Financial Strength Rating of A++ (Superior).
What is Travelers auto insurance?
Travelers has more than 165 years of experience in the insurance industry and currently has more than 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, and Ireland serving customers with various coverage options, like auto, property, and pet insurance.
How does Travelers auto insurance work?
Travelers auto insurance works by providing customers coverage in exchange for premiums. When you file a claim for an incident your policy covers, Travelers pays for the repair or medical costs, depending on the event.
Travelers auto insurance coverage
Here are the coverage options Travelers offers for drivers to customize their policies:
Liability coverage: Liability insurance covers both property damage liability and bodily injury liability. It covers drivers when they’re in an accident and cause damage to another vehicle or injure another person. Most states require liability coverage for drivers.
Personal injury protection (PIP): This insurance coverage kicks in to pay for your and your passengers’ medical expenses and lost wages regardless of who caused the accident.
Medical payments insurance: Also known as MedPay, this covers the medical bills for you and your passengers if you’re in an accident.
Underinsured/uninsured motorist coverage: If someone without insurance or enough insurance damages your car or injures you, this helps cover the excess repair or medical costs.
Collision coverage: This covers repair costs for your vehicle’s damages in a collision-related event, like a car accident, hitting another object, or flipping your car.
Comprehensive coverage: Comprehensive insurance covers incidents not related to a collision. This can include theft, vandalism, storms, and hitting animals.
Loan/lease gap coverage: If you finance or lease your vehicle, this coverage will pay the difference between your car’s actual cash value and what you owe if the car is totaled.
Rental reimbursement: While your car is in the repair shop, this coverage helps pay for the cost of a rental car to get around.
Roadside assistance: This add-on can help cover some, or all, of the cost of towing, jump-starting, or unlocking your car in a roadside emergency.
New-car replacement: If Travelers declares your car totaled within five years of buying it new, it will replace your vehicle with a brand-new one of the same make and model.
Accident forgiveness: This rider will forgive one accident in a certain time frame, which can prevent an increase in car insurance rates, even if it’s your fault.
Rideshare insurance: When you drive for a rideshare company and have the app activated but are waiting to accept a ride, this insurance provides coverage in the gaps where the rideshare app company doesn’t. However, it’s only available in Colorado and Illinois.
How to get a Travelers car insurance quote
Drivers can get a Travelers car insurance quote on its website by entering their ZIP code and other personal information. They can also call 1 (800) 366-2303 to speak to a representative and get a quote by phone.
Insurify makes it easy to get auto insurance quotes online from Travelers and compare them to other insurers. You just have to answer a few simple questions and then you can see the list of offers from Travelers and other insurance companies.
Check Out: The 10 Best Car Insurance Companies
Travelers car insurance cost by state
The state where you live influences your car insurance rates. States with densely populated cities tend to have higher average premiums with Travelers.
Here are the average costs for full-coverage and liability-only auto insurance with Travelers for the 15 most-populated states.
|State||Average Monthly Quote: Full Coverage||Average Monthly Quote: Liability Only|
Travelers auto insurance rates by driving history
Your driving history can affect your insurance premiums because violations like tickets, accidents, and DUIs reflect how likely you are to file a claim. The more likely you are to file a claim, the more you can expect to pay for car insurance.
Here’s how the average monthly rate for full-coverage and liability-only insurance can change with Travelers depending on your driving history.
|Driving History||Average Monthly Quote: Full Coverage||Average Monthly Quote: Liability Only|
|With speeding ticket||$230||$176|
|With at-fault accident||$246||$187|
See Also: Cheapest Car Insurance by Driving Record
Travelers car insurance cost by age
Insurance companies tend to charge older drivers less for car insurance since they have more driving experience, have better driving habits, and are less likely to file a claim. Drivers younger than 25 tend to spend the most on car insurance since they pose a higher risk to insurance companies.
Here’s how much drivers may expect to pay on average for Travelers car insurance, by age.
|Driver Age||Average Monthly Quote|
Travelers car insurance discounts
Qualifying for discounts can help you save on your insurance policy. While you may not qualify for every discount, these are some discounts Travelers offers on auto insurance policies:
Multi-policy discount: Travelers advertises that customers can save up to 13% on car insurance when they buy more than one policy.
Multi-car discount: You can score a discount if your household insures more than one car with Travelers.
Homeownership discount: You can qualify for a discount if you own a home or condo, even if your property isn’t insured through Travelers.
Safe driver discount: You may get this discount if you have a driving record free of accidents, claims, or violations.
Continuous insurance discount: If you have continuous coverage with no gaps through Travelers, you may be eligible for this discount.
Hybrid/electric car insurance discount: Owning or leasing a hybrid car or electric car can help you save on car insurance costs.
New-car discount: You may be eligible for this discount if you purchase or own a car less than 3 years old.
EFT, pay in full, and good payer discounts: Making payments with electronic funds transfer (EFT) or a payroll deduction or establishing a record of on-time payments can help you get a discount.
Early quote discount: If you get a Travelers car insurance quote and policy as a new customer before your current coverage expires, you may be eligible for extra savings.
Good student discount: High school or college students who maintain a B average or better can qualify for a good student discount.
Student away at school discount: If a dependent on a policy goes away to school (at least 100 miles away) and won’t drive one of the insured cars during the school year, it may mean another discount for you.
Driver training discount: Successfully completing an approved driver education course is another way to save with Travelers.
Travelers Insurance bundling options
If you purchase more than one type of insurance policy through Travelers, you can potentially save money on your premiums. For example, if you bundle a home and auto policy, then you can save up to 10% on your auto insurance. This potential savings drops to 7% for Texas and Oklahoma residents.
Read More: Car Insurance Discount Guide
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Travelers car insurance reviews and ratings
Travelers has earned some impressive marks in third-party ratings. It earned an average score of 829 (on a 1,000-point scale) across regions in J.D. Power’s 2022 Auto Insurance Study for overall customer satisfaction but has an average customer satisfaction score. Travelers also earned an A.M. Best rating of A++ (Superior) for financial strength, which indicates a high likelihood of being able to pay out future claims.
Travelers customer reviews
The following reviews from the Better Business Bureau (BBB) can shed some light on recent positive and negative customer experiences.
Let’s look at some ratings to see how Travelers insurance products are being reviewed.
Shopper Approved: 4.9 out of 5 stars
Sitejabber: 2.5 out of 5 stars
Trustpilot: 2.3 out of 5 stars
Travelers vs. other insurance providers
The car insurance market is highly saturated, which means you have several options available to you. Here are some competitors of Travelers worth looking into.
Travelers vs. Allstate
Allstate is one of the largest car insurance companies by market share and offers policies nationwide. Travelers and Allstate offer many of the same coverage options, except Allstate offers insurance for trips to Mexico and classic cars. However, Allstate doesn’t advertise premium coverage options like new car replacement, which Travelers does. But many of the advertised discounts are the same between the two companies.
Allstate is slightly more expensive: It has an average monthly rate of $212 for full-coverage insurance and $146 for liability-only insurance, compared to Travelers’ $172 for full coverage and $131 for liability only.
Travelers vs. Farmers
Farmers also offers car insurance coverage to drivers nationwide and wrote more than $25 million in direct premiums in 2021. Farmers offers many add-on options that Travelers doesn ’t, such as spare parts coverage, full windshield and glass coverage, and original equipment manufacturer (OEM) coverage. If you want to fully customize your policy with plenty of options, then Farmers is worth it.
But the extra options come with a higher price tag. Farmers’ average full-coverage insurance costs $317 a month, and its liability-only insurance costs an average of $218 a month. Both of these averages are higher than Travelers’ full-coverage average monthly rate of $172 and liability-only average of $131 a month.
Travelers vs. State Farm
State Farm is another nationwide insurer with a long history of selling car insurance policies. However, its options for additional coverage are lacking compared to Travelers. State Farm offers standard car insurance coverage and very few riders. But State Farm offers interesting ways for drivers to save through its Steer Clear and Drive Safe & Save programs.
State Farm and Travelers have similar average costs for car insurance. State Farm’s full-coverage insurance is an average of $175 a month, compared to Travelers’ $172. And while Travelers’ liability-only coverage is an average of $131, State Farm’s is $125.
Travelers car insurance pros and cons
Mobile app has high average reviews in the Apple App Store
Advertises 12 potential discounts for drivers
Offers robust auto insurance options for customizing coverage
Below-average BBB customer rating
Rideshare coverage is only available in Colorado and Illinois
Filing an auto insurance claim with Travelers
You can file an auto insurance claim with Travelers online or via phone by calling 1 (800) 252-4633.
Plan to have the following information ready when you file a claim with Travelers:
The date, location, and any photos of damage or injuries that occurred
Your and any other parties’ contact information and policy numbers
The type of insurance claim you’re filing
A description of what happened
Learn More: Why Do Car Insurance Companies Deny Claims?
Other Travelers insurance products
Travelers sells various insurance products besides car insurance, which can make it easy to have all your insurance policies in one place. Alongside car insurance, it offers the following policy types:
Boat and yacht
Wedding and event
Travelers Insurance FAQs
To help you make more informed decisions when it comes time to buy auto insurance, here are answers to some commonly asked questions about Travelers insurance.
Yes, Travelers is a legitimate insurance company with a long history of offering insurance policies. It has an A++ financial rating from A.M. Best, which indicates its ability to pay out future claims.
Travelers offers robust car insurance options for drivers to customize their coverage and slightly above-average monthly rates, so it can be worth it. However, the best car insurance company for you will depend on the coverage you need for the price that fits your budget.
Travelers’ average cost is $172 per month for full-coverage insurance and $131 per month for liability-only insurance.
Travelers is very likely to pay out any future claims. Travelers received an A.M. Best financial strength rating of A++ (Superior) and a Long-Term Issuer Credit Rating of “aa+” (Superior) — which indicates a financially secure company.
Travelers has an average overall rate of customer satisfaction. This insurance provider earned an average score of 829 out of 1,000 across regions in the J.D. Power 2022 Auto Insurance Study of overall customer satisfaction.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- AM Best. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries." Accessed February 15, 2023
- III. "What determines the price of an auto insurance policy?." Accessed February 14, 2023
- JD Power. "2022 U.S. Auto Insurance Study." Accessed February 15, 2023