Travelers Auto Insurance Review: Should you buy in 2024?

Travelers sells auto insurance throughout the U.S. The company has competitive rates and several different options for coverage. If you’re searching for car insurance, Travelers may be a great fit for you.

You should compare multiple auto insurance quotes from multiple providers in your area before making any final decisions on coverage. Doing so will help you ensure you aren’t paying too much for coverage.

What You Should Know About Travelers Companies, Inc.

Yes, customers believe Travelers is a good insurance company with which to renew their current policies. They appreciate its affordable and competitive rates. Additionally, policyholders state that Travelers is one of the best insurers in terms of claims handling, ranking higher than Progressive and State Farm with J.D. Power. For information on these other providers, see Progressive auto insurance review and State Farm auto insurance review.

The National Association of Insurance Commissioners (NAIC) gives Travelers a .43 complaint ratio, meaning it receives far fewer complaints than other national insurers. However, customers are still unlikely to recommend Travelers Insurance due to the company’s lack of customer service options and availability.

Customers have several ways to buy auto insurance, and Travelers makes paying your bills and submitting claims easy with its website and app. The company also offers ample options for saving money with discounts, but if you’re looking for the most affordable rates, you may get a better deal on coverage by going with a company like State Farm or GEICO. For more information, see Geico auto insurance review.

Still, you should compare quotes to ensure you are getting the coverage you want at a price that works with your budget.

Does Travelers auto insurance have good ratings and reviews?

Travelers has an A++ (Superior) financial strength rating with A.M. Best. Additionally, the company has an A rating with the Better Business Bureau (BBB). The NAIC found that Travelers has fewer complaints than one would expect for a company of its size. 

The BBB customer rating for Travelers is just 1.1 out of 5 stars. Its other industry ratings are as follows:

• J.D. Power: 3-5
• NAIC: 0.43
• S&P: AA
• Moody’s: A2

Travelers is a well-known and respected company, and it has garnered many encouraging ratings. If you’re considering purchasing a policy with Travelers, read customer reviews online to better understand how past and present policyholders feel about the company.

Does Travelers insurance have good customer service?

Travelers customers are happy with the claims handling but not necessarily with the customer service aspect of the company. Still, the company garners fewer than the expected number of complaints for a company of its size. 

According to Travelers insurance reviews, only 44% of Travelers policyholders state they are wholly satisfied with their policies and experiences with the company regarding customer service. 

The satisfaction rate increases, however, once customers file a claim, as 56% Travelers policyholders who recently filed claims report that they are completely satisfied with their experience. 

Does Travelers insurance handle claims well?

Travelers received encouraging ratings in terms of how it handles claims. Nearly 62% of Travelers customers report being completely satisfied with the ease of filing a claim. And 65% of policyholders state they were completely satisfied with how Travelers resolved their claims. 

Do customers stay loyal to Travelers insurance?

Nearly 62% of Travelers customers report being completely satisfied with the ease of filing a claim, but only 33% believe they would recommend the company to friends and family. 

Regarding individuals who filed claims, 42% of people were very likely to renew, but 37% said they would recommend the company to others. 

Travelers Companies, Inc. Insurance Coverage Options

Travelers offers several different types of coverage to its policyholders. Depending on what you’re looking for, this may help you decide whether Travelers is a good car insurance company for you. 

Some of the coverage options Travelers offers include:

• Bodily injury. This type of coverage is often required, depending on where you live. Bodily injury liability car insurance pays for injuries you caused another person or people as the result of an accident. 
• Property damage. This type of coverage is often required, depending on where you live. Property damage coverage pays for damage you cause to another person’s vehicle or other property during an accident. 
• Personal injury protection (PIP). This coverage is required in no-fault insurance states. Personal injury protection insurance covers medical bills and can help with other bills depending on your level of coverage.
• Medical Payments (MedPay). This coverage is sometimes required, depending on where you live. MedPay covers medical bills specifically. 
• Collision coverage. Collision car insurance pays for damage to your vehicle caused during an accident. This coverage applies even if you were at fault in an accident.
• Comprehensive coverage. Comprehensive car insurance coverage pays for damage to your vehicle following a non-accident-related incident, such as vandalism or inclement weather.
• Uninsured or underinsured motorist coverage. This coverage is sometimes required, depending on where you live. Uninsured/underinsured motorist coverage allows your policy to pay for damages if the at-fault driver does not carry sufficient auto insurance. 

In addition to the coverages listed above, Travelers also offers additional options for even more protection. These options include:

• GAP coverage. GAP insurance pays the difference between what your car is actually worth and what you owe on your lease or loan if it’s totaled in an accident.
• Rental car coverage. Travelers pays you back for anything you spend on rental cars while your vehicle is repaired after a covered event. 
• Roadside assistance. If you’re stuck on the side of the road, roadside assistance coverage helps you get fuel service, flat tire repair, key lockout services, and more. 
• New car replacement coverage. If you drive a new car, this coverage will replace your vehicle with the exact make and model if yours is destroyed and totaled in a covered accident. 
• Accident forgiveness coverage. Your rates won’t increase because of one accident. This coverage helps you maintain your car insurance rates even if you’re at fault in an accident. 

Depending on what you’re looking for, Travelers may have the coverage options you need to feel safe and secure on the road. 

What services do you get with a Travelers auto insurance policy?

When you purchase car insurance with Travelers, you can take advantage of the company’s roadside assistance plan, the Travelers mobile app, the company’s IntelliDrive program, and the option for a decreasing deductible on your policy.

Does Travelers sell other insurance?

Travelers sells insurance policies outside of auto insurance, including:

• Motorcycle
• Boat and yacht
• Wedding  
• Event
• Home
• Travel
• Condo
• Renters
• Landlord
• Pet
• Valuable Items
• Umbrella
• Business

You may be able to take advantage of a bundled policy discount if you choose one or more additional insurance options with Travelers.

Read more: Can auto and motorcycle insurance be bundled?

What is IntelliDrive with Travelers?

Travelers offers IntelliDrive, a usage-based program that allows the company to track specific elements of how you drive on a regular basis. Via an app from Travelers, IntelliDrive assesses things about your driving habits, such as:

• Stops and starts
• Acceleration
• Overall speed
• Driving time of day
• Distance driven

Travelers offers IntelliDrive as a way for policyholders to potentially save money on their insurance policies. If you use this program, you may be able to save as much as 30% on your rates, so long as you prove yourself to be a safe driver.

The IntelliDrive app has positive reviews on Google Play and the App Store. However, some customers complain that the app shows inaccurate driving information. 

The downside of enrolling in a program like IntelliDrive is that your rates can increase if you have risky driving habits. So, if you’re not sure whether how you drive could actually save money on a policy with Travelers, you may not want to enroll in the IntelliDrive program. For more information, see Travelers IntelliDrive review.

Travelers Companies, Inc. Insurance Rates Breakdown

The average cost of a Travelers auto insurance policy is $1,371 annually. This equates to roughly $114 per month.

Average rates with Travelers are around 11% below the national average, which is $1,539 annually or $128 monthly. The company consistently has slightly below average rates in each demographic mentioned below. 

Every insurance company develops rates by considering several factors. Travelers determines unique rates for each of its policyholders based on age, driving history, credit score, coverage type, and more.

The average cost for a full coverage auto insurance policy with Travelers is $1,287 annually or $107 per month. The national average for this same policy is $1,477 or $123 per month.

Compared to other well-known providers, Travelers came in just under the market average. The company’s premiums are more expensive than companies like Nationwide and GEICO, but cheaper than Allstate and Farmers.

When you look at Travelers rates based on a person’s driving record, company rates stay consistently below the national average for a clean driving record, a speeding ticket, an at-fault accident, and a teen driver.

How much is a liability-only policy with Travelers?

Minimum coverage is often the least expensive option for car insurance – see minimum auto insurance required by state. With Travelers, you can save a good bit of money by choosing a liability-only policy.

Average Minimum Coverage Monthly Rates for the Top Auto Insurance Companies

For more information on liability coverage, see buy liability auto insurance coverage.

Liability coverage costs $471 with Travelers, or $39 per month. The national average for a liability policy is $541 annually or $45 per month.

While the rates for a minimum coverage policy can be tempting, it’s important for you to consider the downside of carrying too little coverage. If you’re at fault in an accident, carrying a minimum coverage policy could mean you would pay a lot out of pocket. 

To avoid paying so much in the event of an accident, it may be a better idea for you to carry a full coverage policy, which includes both collision auto insurance and comprehensive auto insurance coverage.

How much is a full coverage policy with Travelers?

A full coverage policy can be a lot more expensive than a liability policy, depending on the company.

Average Full Coverage Annual Rates for the Top Auto Insurance Companies

Travelers rates for a full coverage policy are around $1,287 per year on average. This equates to around $107 per month. The national average for full coverage is $1,477 annually or $123 per month.

How much is Travelers car insurance in each state?

Rates for Travelers auto insurance are the most expensive in New York, Massachusetts, and Florida. The cheapest states for Travelers insurance are Virginia, Maine, and Idaho.

Full Coverage Auto Insurance Monthly Rates by State

As you can see, New Jersey and Florida are some of the most expensive states to purchase Travelers insurance. Still, if you live in one of those states, it’s a good idea to find and compare quotes from multiple providers. 

You may find that Travelers rates are more competitive than rates with other insurers.

How much do Travelers auto insurance rates change based on age?

An 18-year-old driver would pay an average of $729 monthly for Travelers car insurance. In comparison, a 45-year-old would only pay $58 per month.

When compared to other companies, Travelers charges more than GEICO for most all age categories, but the company has rates that are competitive or cheaper than companies like State Farm and Allstate.

Travelers charges around $6,271 per year for car insurance for female teenagers. This equates to around $522 per month. The national average for female teens is $4,962 annually or $413 monthly.

Average Monthly Full Coverage Teenage Auto Insurance Rates for the Top Insurance Companies

Male teenagers pay around $8,750 annually or $729 monthly for car insurance with Travelers. The national average for male teens is $5,947 or $472 per month.

For more information, see buy cheap auto insurance for teenagers.

How much is Travelers car insurance for adult drivers?

Young adult drivers pay less than the national average for Travelers car insurance in most cases. 

Young adult female drivers pay $1,482 annually or $124 per month. The national average is $1,734 annually or $145 monthly. Male young adult drivers pay $1,543 on average with Travelers. This equates to $129 per month. And the national average is $1,842 annually or $154 per month.

Adult drivers pay less than young adults for coverage with Travelers.

Annual Full Coverage Adult Auto Insurance Rates for the Top Insurance Companies

Adult females pay $1,173 annually or $97 monthly for coverage with Travelers. Adult males pay $1,274 or $106 per month for coverage. Both of these are below the national average in each category.

What are Travelers insurance rates for seniors?

Senior drivers often see an increase in auto insurance costs. Many companies charge more when a policyholder turns 65. 

Average Monthly Full Coverage Auto Insurance Rates for Senior Drivers

Seniors pay an average of $1,145 annually with Travelers. This amounts to $95 every month. The national average is $1,381 or $115 per month.

For more information, see buy cheap auto insurance for senior citizens.

Do driving records impact car insurance rates with Travelers?

A person’s driving record is likely to impact their overall car insurance rates. With Travelers, your driving record is a factor when the company determines your initial premiums.

Travelers Rates After a Speeding Ticket

If you have a speeding ticket on your driving record, you can expect your car insurance rates to increase. Most insurance companies will see you as more likely to file a claim if you receive one or more traffic violations.

Average Monthly Auto Insurance Rates for the Top Insurance Companies for Drivers with a Traffic Ticket

Travelers rates after a speeding ticket are around $1,780 annually or $148 per month. The national average for car insurance rates after a speeding ticket is $1,818 annually or $152 monthly. 

For more information, see buy high-risk auto insurance coverage.

Travelers Rates After an Accident

If you’re in a car accident, your rates may increase when you file a claim. This is especially true if you were at fault in the accident. Accidents can significantly raise your car insurance rates, regardless of your insurance provider. 

Average Monthly Rates for the Top Insurance Companies for Drivers with an Accident

You can expect rates around $1,932 or $157 per month if you have an accident on your driving record. The national average for car insurance rates with an accident on your driving record is $2,180 annually or $176 per month.

For more information, see cheap auto insurance companies that accept drivers with multiple accidents.

Travelers Rates After a DUI

Does auto insurance cover DUI accidents? If you are caught driving under the influence, you can face severe fines and penalties. Depending on where you live, you may even have to serve a specific amount of jail time. 

A DUI is a very serious offense, and insurance companies see it as such. If you have a DUI on your driving record, you will have to wait to reinstate your license. Still, once you have a valid driver’s license, you may still find it difficult to get a car insurance policy.

Companies that are willing to take you on as a client will do so at much higher rates, and you can expect to pay nearly triple what you were paying before your DUI conviction.

Average Monthly Rates for the Top Insurance Companies for Drivers with a DUI

Travelers policyholders pay $2,203 for coverage after a DUI conviction. Keep in mind that this type of policy could only carry the state’s minimum coverage. A liability policy typically costs less than $500 per year.

The monthly cost of a Travelers policy with a DUI is $230. The national average is around $2,601 annually or $218 per month. 

Travelers Rates with Poor Credit

Believe it or not, your credit score can impact your car insurance rates. Many companies believe there’s a correlation between poor credit scores and an increase in claims. Companies tend to charge higher rates when people have low credit scores to account for this.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Travelers policyholders pay $2,328 annually with poor credit. This equates to monthly rates of around $296. In comparison, the national average for car insurance for people who have poor credit is $2,757 annually or $226 per month.

For more information, see buy cheap auto insurance for drivers with bad credit.

Travelers Companies, Inc. Discounts Available

Travelers offers several auto insurance discounts, including:

• Multi-policy discount
• Multi-car discount
• Homeowner discount
• Safe driver discount
• Continuous coverage discount
• Hybrid or electric car discount
• New car discount
• Paid-in-full discount
• Early quote discount
• Good student discount
• Student away at school discount
• Driver training discount
• Affinity program discount
• IntelliDrive program discount

Some discounts can help policyholders save as much as 25% on their car insurance policies. If you believe you are eligible for a discount with Travelers, speak with a representative to see how much you could save on coverage.

How Travelers Companies, Inc. Ranks Among Providers

There are a few companies that offer more competitive rates than Travelers. Take a look at the table below to see what other insurers charge for car insurance.

In many cases, GEICO, Auto-Owners, and other companies offer more competitive rates than Travelers.

Read more: Auto-Owners Auto Insurance Review: Should you buy

Travelers vs. Allstate

Travelers score higher in terms of claims handling, customer loyalty, and likelihood to renew. 

However, while Allstate beats Travelers in most likely to be recommended, Travelers is still cheaper on average. A policy with Travelers costs $1,371 annually or $114 monthly. Allstate charges $2,047 annually or $171 per month. For more information see Allstate vs. Travelers auto insurance review.

Travelers vs. Progressive

Progressive outranks Travelers in terms of customer service, but Travelers has better scores in terms of claims handling, customer loyalty, likely to recommend, and likely to renew. 

Progressive is more expensive than Travelers. The company charges $1,533 or $143 monthly for coverage, while Travelers charges $114 monthly. For more information, see Travelers vs. Progressive auto insurance review.

Travelers vs. State Farm

State Farm rates tend to be cheaper than Travelers auto insurance quotes, but Travelers ranks higher in terms of claims satisfaction. You will only know how much you’ll pay for coverage with Travelers by getting online quotes, so learn more in our State Farm vs. Travelers auto insurance review.