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Travelers auto insurance earns a 9.0 out of 10.0 rating and a recognition for “Most Coverage Options” for its flexible coverage and add-ons for drivers.
Travelers is a well-regarded company with a long history, but Travelers auto and home insurance might not be right for everyone. In this article, we at the Guides Auto Team will look at Travelers insurance reviews from customers, discounts and coverage to help you decide if you should get home and car insurance from the company.
When shopping for insurance, it can be difficult to tell which provider is right for you and your vehicle. We recommend getting quotes from several of the industry’s best car insurance and cheapest car insurance companies and best homeowners insurance companies before making a decision.
The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Learn more about our methodology.
Our team rates Travelers auto insurance a 9.0 out of 10.0 and names it Most Coverage Options for 2022. The score of “9.0” was aggregated from five key performance areas including: reputation, availability, coverage, cost and customer experience. You can read more about how we weigh each factor in our methodology below.
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Yes, Travelers is a good car insurance option for most drivers. The insurer offers a wide range of discounts and coverage options, which translates to relatively affordable coverage. But, Travelers insurance reviews are often fairly mixed.
After researching Travelers car insurance reviews, coverage and cost, we found a few features that are unique to the company. These include:
Here are the pros and cons of purchasing a Travelers car insurance policy:
Better Business Bureau (BBB) rating: A
AM Best financial strength rating: A++
Travelers was founded in 1864 and today is one of the largest property and casualty insurance companies in the U.S., offering a range of coverage options in 43 states and Washington, D.C. The company has a fair number of discounts, plus a safe driving app that can help motorists save money.
Travelers reviews are mixed but tend to lean negative. Positive Travelers insurance reviews praise the company’s responsiveness when it comes to handling insurance claims. The company’s negative reviews also tend to focus on issues with claims — from denial of coverage to unresponsive customer service representatives.
We conducted a nationwide car insurance satisfaction survey in August 2022 that polled 6,923 people. We found that about 1.5% of respondents had a Travelers auto insurance policy. Here’s a look at how Travelers insurance customer service compares with the industry average from our survey.
Our survey also discovered respondents who filed a claim were happy with Travelers’ customer service, rating it a 4.4-star rating out of 5.0. Participants also gave the company a 4.2-star rating for satisfaction with the claim or outcome.
Travelers ranked below average in the J.D. Power 2022 U.S. Insurance Shopping Study℠, with 853 points out of a possible 1,000. The segment average for the study was 863. Additionally, the company ranked below average in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠ and has not received outstanding customer feedback.
Travelers has a 1.1 out of 5.0-star BBB customer rating. However, just under 130 customers have written Travelers insurance reviews on the BBB, so this isn’t a true representation of how all customers feel about the company.
It’s important to keep in mind that customers are often more likely to write a review after a negative experience than they are to report a positive experience. Our team reached out to Travelers for a comment on its negative reviews but did not receive a response.
Reddit features discussions on all types of topics, including auto insurance. Travelers customers on the platform typically praise the company’s claims process and strong customer service. The appraisers Travelers works with are also singled out for praise, as are the discounts the company offers.
Each state sets its own minimum requirements for auto insurance, so you may not need the same coverage as your friends and relatives in a different area of the country. Beyond meeting minimum coverage limits, it’s smart to get collision and comprehensive insurance to further protect your finances in the event of an accident.
Source: The Ramsay Show
You can get the standard types of car insurance through Travelers:The company also offers additional coverage and other insurance products you can add onto your auto policy:
You can file a claim with Travelers over the phone, on the company website or through its mobile app. A claim professional will then contact you and walk you through the process. You can easily track the status of your claim by creating a MyTravelers® account on the Travelers website.
Travelers can assess the damage to your vehicle through its network of trusted repair facilities or via virtual inspection. Once your car has been repaired and you’ve paid your deductible, Travelers will pay you or your loan or lease company.
In general, Travelers auto insurance pricing is slightly cheaper than average compared to competitors. Our rate estimates show that the average cost of an annual full coverage policy from Travelers is $1,669 per year or $139 per month. This is for a 35-year-old driver with a good driving record and good credit. The national average for the same driver profile is $1,730.
The price you pay for car insurance depends on various factors, and the Travelers rates you receive may not reflect the estimates below. For example, if you’ve had multiple speeding tickets, at-fault accidents, DUIs and other traffic violations in the past three years — you can expect higher rates.
If you have bad credit, you’ll likely pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan. And if you’re a young driver 25 or under, your insurance options will be more expensive.
Age plays a major factor when it comes to finding out what you’ll pay for car insurance. Our research shows average rates from Travelers are right on par with the national average for teen drivers.
The table below shows average monthly and annual cost estimates for a Travelers policy broken down by age.
Compared with other national insurance providers, Travelers car insurance policies tend to cost around the national average of $1,730 per year.
Here’s how Travelers compares to eight other leading car insurance providers:The table below highlights the average monthly and annual costs of a full coverage policy from the cheapest regional and national providers. As you can see, you’re likely to find more affordable coverage through other leading providers like USAA, Erie Insurance, Nationwide and Geico.
Car insurance costs are heavily influenced by where you live. Travelers auto insurance is most expensive in New York, Massachusetts and Florida, while more affordable rates can be found in Virginia, Maine and Idaho.
Travelers Annual Cost Estimate
Travelers Annual Cost Estimate
*Travelers auto insurance cost information not available for all states.
While Travelers’ rate estimates are average, you may pay more or less for a car insurance policy depending on your particular circumstances. Several factors affect the price you pay for car insurance, some of which are in your control. Understanding what factors you’re able to control can help ensure you receive the best rate possible.
Here are the most significant factors that impact your insurance premium:
Travelers policyholders can take advantage of these discounts:
Travelers Auto Insurance Discount
Save money by bundling your auto insurance with home insurance, renters insurance or another policy.
Up to 13%
Save money when you have multiple vehicles on your Travelers auto insurance policy.
Up to 8%
Receive a discount if you own a home or condo.
Up to 5%
Safe driver discount
Receive a discount for going at least three years without an accident, violation or major claim.
Up to 23%
Continuous insurance discount
Earn savings for having no gaps in your insurance coverage.
Up to 15%
Hybrid/electric vehicle discount
Save money when you own a hybrid or electric vehicle.
New car discount
Save money when you insure a car that’s fewer than three years old.
Up to 10%
Get a discount for making electronic payments, paying your policy in full and paying your bill on time.
Early quote discount
Get a discount for switching to Travelers and getting a quote before your current policy expires.
Up to 10%
Good student discount
Earn savings by being a full-time high school or college student and maintaining at least a B average.
Up to 8%
Student away at school discount
Earn savings when you go to a college at least 100 miles away and leave your vehicle at home.
Up to 7%
Driver training discount
Save money when you complete an approved driver’s education course.
Up to 8%
Another way Travelers insurance customers can lower their premiums is by enrolling in IntelliDrive. If you’re a good driver, the program can lower your rates after a 90-day tracking period. However, bad driving habits will increase your rates in some states.
Travelers also has a mobile app that allows customers to pay bills, file claims, view insurance ID cards, call roadside assistance and more.
Based on our research, Travelers home insurance generally costs less than the national average. The National Association of Insurance Commissioners (NAIC) reports that most homeowners paid around $1,249 per year for home insurance coverage in 2018.
Our experts reached out to Travelers for home insurance quotes to give you a better idea of what you can expect to pay for coverage. The estimates below are for single-family homes.
Home Square Footage
Total Cost Per Year
El Paso, Texas
1,712 square feet
Salt Lake City, Utah
3,019 square feet
1,995 square feet
1,824 square feet
1,492 square feet
Each of the home insurance quotes listed above includes:
We explain coverage types in further detail below.
Many factors influence your final home insurance cost. These include:
You can also work with a Travelers customer service representative to customize your policy. You’ll have the option to choose which homeowners insurance and add-ons are best for you and your budget.
Homeowners can take advantage of the following discounts from Travelers:
Travelers Home Insurance Discount
Get a discount up to 12% for bundling your home insurance policy with a Travelers auto insurance policy and three other policies.
Home buyer discount
Get a discount if you purchased your home within 12 months of the policy effective date.
Receive a discount if you have not experienced a loss within a specified period.
Protective device discount
Save by having protective devices in your home, such as smoke detectors, interior sprinkler systems or a home security system.
Green home discount
Get a discount if your home is a certified “green home” by the Leadership in Energy and Environmental Design (LEED) organization.
Most homeowners insurance policies cover the cost of losses to your home and personal property resulting from severe weather incidents or theft and vandalism.
Travelers offers the following standard types of home insurance coverage:
Travelers also provides the following add-on home insurance coverage options:
Our bottom line is that Travelers auto insurance earns a 9.0 out of 10.0 stars and the name Most Coverage Options in 2022 based on the same categories used to assess all car insurance providers.
If you’re looking for a good combination of affordable pricing, quality coverage and strong customer service, we recommend getting free car insurance quotes from USAA and Geico. You can shop for car insurance quotes online or directly to an insurance agent if you want to ask more questions.
USAA offers affordable rates for most drivers and great customer service for its members. The company provides coverage exclusively for military members, veterans and their families. It has an A++ financial strength rating from AM Best and offers a number of driver discounts, as well as specialty coverage such as roadside assistance, rideshare coverage and accident forgiveness.
Read more: USAA insurance review
If you’re not a member of the military or an immediate family member, Geico is another top pick. This company provides great rates to many drivers, has an A++ AM Best financial strength rating and offers 16 policy discounts you may be eligible for.
One thing we especially like about Geico is that it offers mechanical breakdown insurance, which is similar to an extended car warranty. This means you can protect your car from accidents and breakdowns at the same time.
Read more: Geico insurance review
Compare providers: USAA vs. Geico
Below are frequently asked questions about Travelers auto insurance.
Yes, Travelers is a reliable insurance company for both auto and home insurance. The company offers several home and car insurance options that are at par with national average costs, according to our research. The insurer also holds an A rating from the BBB and an A++ financial strength rating from AM Best.
No, Travelers is not owned by Geico. A group of shareholders manage Travelers as a publicly traded company, with its biggest stakeholders including The Vanguard Group, BlackRock and State Street Corp.
Our research shows USAA has the highest customer satisfaction of any insurance company. In the J.D. Power 2022 U.S. Auto Insurance Study℠, it scored the highest in overall customer satisfaction for all regions except California.
Travelers’ A++ financial strength score indicates the company’s ability to reliably pay out claims. Our January 2022 car insurance survey found 39% of Travelers policyholders had their claim resolved in under two weeks. However, Travelers insurance reviews about the claims process are mixed, and the company received a below-average score in the 2022 J.D. Power Auto Insurance Study.
We’ve reviewed dozens of car insurance companies, considering factors such as cost, insurance options, customer reviews, industry reputation and availability. Based on this, our picks for five of the top insurance companies are USAA, Geico, State Farm, Progressive and Travelers.
Yes, Travelers is a good homeowners insurance company that offers a wide range of coverage options. It’s a reliable insurer that has been around for a long time and has strong financials, as indicated by its A++ AM Best rating.
Generally speaking, State Farm auto insurance rates tend to be cheaper than Travelers insurance. However, your rates will depend on many factors, including your age, your vehicle and the discounts you qualify for. The only way to know for sure is to compare quotes from both State Farm and Travelers.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
*Data accurate at time of publication.
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