Travelers Car Insurance Review [Definitive Guide]

Our Travelers Car Insurance Review will help you decide if Travelers Auto Insurance is the right company for you. Travelers has strong financial ratings on multiple sites and also managed to increase its market share over the past four years. Unfortunately, Travelers is not available in every U.S. state. Use our free ZIP code search below to see if Travelers Car Insurance and other providers are available in your city.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 9, 2020

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Travelers Insurance OverviewStats
Year Founded1864
Current ExecutivesAlan D. Schnitzer
Chairman and Chief Executive Officer
Numbers of EmployeesApprox. 30,000 employees
& 13,500 independent agents
Total Revenues/AssetsTotal Revenue $30.2 billion
Total Assets $104.2 billion
Headquarters Address1 Tower Sq
Hartford, CT 06183
Phone NumberBilling and Policy:
1.800.842.5075
Customer Advocacy:
1-866-336-2077
Company Websitehttps://www.travelers.com
Premiums Written4,697,743
Loss Ratio0.6
Best ForPersonal
Property and Casualty
Business
Specialty Insurance
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Thinking of traveling under the protection of Travelers auto insurance? Before you rush into buying a Travelers policy, it’s important to know what you’re getting into.

Our Travelers car insurance review will give you insight into the rates and protection you can expect from Travelers so that nothing surprises you later down the road.

Keep scrolling to read about everything from Travelers’ ratings to its mobile app functions.

Ready to compare rates now? Enter your zip code above for FREE.

Table of Contents

Rating Agencies

Looking at what others think of a company is a great way to weed out the less-than-stellar insurers. However, it can be time-consuming to read through dozens of reviews and hard to determine which review sites are worth looking at.

To save you time, we’ve collected the best reviews from financial rating sites and customer satisfaction studies.

Keep reading to see what others think of Travelers as an insurer.

AM Best

The first rating site we want to look at is AM Best. Through their system, companies are rated on their financial strength, such as their ability to meet ongoing financial obligations.

Travelers has an A++ rating from AM Best.

This is a fantastic rating. It shows that AM Best believes Travelers has a superior ability to fulfill its financial obligations.

Better Business Bureau

The Better Business Bureau (BBB) rates companies based on a variety of factors:

  • Advertising issues
  • Complaint history
  • Business type
  • Failure to honor commitments to BBB
  • Licensing and government actions known to BBB
  • Time in business
  • Transparency of business practices

Once the BBB evaluates these factors, the companies are rated on a 100 point scale and assigned a letter grade.

However, the BBB rates companies based on location, so one company could have multiple different ratings depending on where you live.

Travelers earned an A+ in multiple states with the BBB.

This is the highest grade available, and it means Travelers earned at least a 97 out of 100 on their scoring scale.

If you want to check the specific BBB rating in your area, visit the BBB website and enter the company’s name and your location in the search box.

Moody’s Rating

Moody’s is another financial rater. Like AM Best, Moody’s looks at the financial creditworthiness of a company.

Moody’s gave Travelers an Aa2 (the third-highest rating).

This rating means that Moody’s believes Travelers’ outlook is stable. It also means Travelers has a low credit risk and can pay back short-term debts, which is excellent.

Paying back short-term debts means Travelers can pay customers’ claims. So both AM Best and Moody’s believe that Travelers is solid financially.

S&P

S&P stands for Standard and Poors, a major provider of data and ratings on companies’ financial standings.

Travelers has an AA rating from S&P, which is the second-highest rating.

This means Travelers has a strong ability to fulfill its financial obligations.

Combined with AM Best and Moody’s ratings, S&P’s rating shows that Travelers is incredibly strong financially.

NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) is a major provider of data and research studies.

One of the areas the NAIC focuses on is insurance companies’ complaint indexes.

A complaint index is formulated by comparing the number of complaints a company receives to the company’s total number of customers.

Let’s take a look at the NAIC’s complaint index.

Private Passenger Policies201620172018
Total Complaints445
Complaint Index
(better or worse than National Index)
1.98 (worse)3.95 (worse)6.37 (worse)
National Complaint Index0.781.21.15
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While Travelers only has a few complaints, its complaint ratio is high and has increased over the years.

As Travelers builds its customer base, though, the complaint ratio should drop.

J.D. Power

Now that we’ve covered financial ratings, let’s take a look at customer satisfaction ratings. J.D. Power conducted a 2019 survey of over 42,700 customers.

Each company can earn up to 1,000 points and is then assigned a power circle rating.

  • Five power circles mean a company is “among the best.”
  • Four power circles mean a company is “better than most.”
  • Three power circles mean a company is “about average.”
  • Two power circles designate a company as “the rest.”

Let’s see what Travelers earned in different U.S. regions.

RegionOverall Customer Satisfaction
(out of 1,000)
Power Circle Rating
Californian/an/a
Central832About Average
Florida820The Rest
Mid-Atlantic821The Rest
New England810The Rest
New York845Better than Most
North Central803The Rest
Northwestn/an/a
Southeast822The Rest
Southwest789The Rest
Texasn/an/a
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Travelers didn’t score well in J.D. Power’s study. It only scored “better than most” in one region and scored “about average” or “the rest” in the other regions.

This isn’t great, as it indicates that Travelers is performing at an average level when it comes to customer satisfaction.

Consumer Reports

Consumer Reports is another company that judges customer satisfaction.

Companies receive an overall score out of 100 and then separate scores for individual categories.

Claims HandlingScore/Rating
Reader Score90
Ease of reaching an agentExcellent
Simplicity of the processVery good
Promptness of response - very goodExcellent
Damage amountVery good
Agent courtesyExcellent
Timely paymentExcellent
Freedom to select repair shopExcellent
Being kept informed of claim statusVery good
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Travelers has a great overall score from Consumer Reports. It also scored well in each category, with ratings of excellent or very good, which are two of the highest options.

Consumer Affairs

Finally, we want to take a look at Consumer Affairs’ customer ratings.

Travelers has two out of five stars on Consumer Affairs.

This low rating is normal. It is based on fewer than 40 reviews, so it is not representative of Travelers’ service as a whole.

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Travelers’ Company History

Travelers was founded in 1864 by James G. Batterson with the sole purpose of providing accident insurance to customers. In 1897, though, Travelers expanded its services to auto insurance, and later began insuring aircraft in 1919.

Today, Travelers offers much more than just accident, auto, and aircraft insurance. The company also has property, personal, business, and life insurance.

We want to take a look at Travelers’ recent history to gauge where the company stands now. Keep reading to learn about Travelers’ market share, marketing, and employee reviews.

Travelers’ Market Share

A market share is a great indicator of how well a company is competing in the marketplace. Let’s take a look at the NAIC’s data on Travelers’ market share from 2015–2018 below.

Year2015201620172018
Travelers' Market Share 1.66%1.82%1.9%1.9%
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Travelers has increased its market share over these years. While the increase is small, it’s a great sign of growth for the company.

It means Travelers is actively working to stay competitive in the marketplace and increase its business.

Travelers’ Position for the Future

Based on what we’ve covered so far, Travelers is in a good position for the future.

It has strong financial ratings on multiple sites and has also managed to increase its market share over four years.

While ratings on some of the customer satisfaction sites are only okay, the company still seems to be thriving. If Travelers works on its customer service, it should continue to do well in the future.

Bottom line? Travelers isn’t at risk of folding to its competitors anytime soon.

Travelers’ Online Presence

A strong online presence is vital in promoting a company. In addition to Travelers’ website, people can check in with the company at the following social media handles:

Travelers also has a mobile app so that customers can access their accounts from their phones. All of these outreach methods serve to promote Travelers and guarantee word of the company will get around.

If you would like to get information from a person rather than an online forum, you can talk to a Travelers agent in your area.

Travelers’ Commercials

Commercials are another important outreach tactic. A company’s marketing needs to grab people’s attention, or a commercial will be forgotten shortly after watching.

Instead of using humor, Travelers uses a more sentimental approach. The main message behind its commercials is that its insurance will serve to protect generations.

Seeing as Travelers has been around since 1864, the generational approach is a smart marketing campaign. Travelers is saying that if you purchase its insurance, it will protect your property so you can pass it on to your descendants.

Travelers in the Community

Being involved in the community is another way companies can promote themselves, while also doing some good.

Travelers’community involvement has “contributed more than $218 million toward important causes” in the last decade. Within the last two years, Travelers employees have racked up 250,000 hours of volunteer work.

Travelers’ donations and volunteerism are focused on the following areas:

  • Academic and Career Success: Travelers works to support students who are underrepresented from middle school on.
  • Thriving Neighborhoods: Travelers supports communities through projects like fortified housing programs. The goal is to create safer neighborhoods.
  • Culturally-Enriched Communities: Travelers donates to programs that use cultural arts to encourage academic learning.

Travelers has invested a great deal of time and money into communities, which is great.

Community involvement may help promote a company, but it also shows a company cares about the community and its customers.

Travelers’ Employees

Employees have the inside scoop, so it’s always a good idea to check in with them and see what they think of the company they work for.

Let’s start with Glassdoor’s rating of Travelers.

Travelers has an employee rating of 3.9 out of five stars.

This is a great rating. 75 percent of employees also said they’d recommend Travelers to a friend, which is a decent number. Furthermore, 86 percent of employees said they approve of Travelers’ CEO.

Many employees also praised the company’s work/life balance and benefits, though some did say there was a poor work/life balance and disliked that there is only one main office location in Hartford.

Still, Travelers has a great overall endorsement from employees. Glassdoor gave Travelers the following awards for its workplace environment:

  • One of the Best Places to Work in 2019 (#70), 2018 (#80), 2011 (#31), and 2010 (#39)
  • One of the Top CEOs in 2019 (#80), 2017 (#47), and 2018 (#87)

Travelers has consistently won awards from Glassdoor, which is a great sign. We want to dig a little deeper into Travelers, though, by also looking at Payscale’s rating of the company.

Travelers has 3.6 out of five stars on Payscale.

This rating is broken down into categories on Payscale, showing what employees think are the best and worst aspects of the company.

Travelers’ employees ranked their employer best in the categories of company outlook, manager relationships, and manager communication. However, the company scored low in the categories of pay transparency, pay policy, and fair pay.

Complaints in the pay categories are common at most companies, so Travelers isn’t out of the ordinary with this rating.

Awards and Accolades

We’ve mentioned that Travelers has won some awards from Glassdoor, but they have been recognized elsewhere as well.

The company has numerous awards for both corporate recognition and workplace culture.

Let’s take a look at Travelers’ corporate awards.

  • Fortune 500, Fortune, 1995-2019
  • FTSE4Good Index Series, 2001-2018
  • World’s Most Admired Company, Fortune, 2006-2018
  • America’s Most JUST Companies list, JUST Capital and Forbes, 2019-2020
  • North America Index Component, Dow Jones Sustainability Index, 2007-2019
  • Barron’s 500, Barron’s, 2008-2017
  • Largest U.S. Workers Compensation and Commercial Property Carrier, NAIC, 2014-2019

Travelers also has an impressive list of culture awards that it’s won over the last decade.

  • Military Friendly® Company, VIQTORY, 2018-2019
  • Military Friendly® Employer, VIQTORY, 2007-2020
  • Military Friendly® Brand, VIQTORY, 2017-2020
  • Military Friendly® Supplier Diversity Program, VIQTORY, 2018-2020
  • Best for Vets, Military Times, 2010-2011, 2014-2019
  • Military Times Best for VETS Index, 2017-2019
  • Top Veteran-Friendly Company, U.S. Veterans Magazine, 2014 and 2017-2019
  • America’s Best Employers, Forbes, 2015-2018
  • America’s Best Employers for Diversity, Forbes, 2019
  • America’s Best Employers for Women, Forbes, 2019
  • Best Place to Work for LGBTQ Equality, Human Rights Campaign Foundation, 2016-2019
  • Best Place to Work for Disability Inclusion, Disability: IN and American Association of People with Disabilities, 2018
  • Clear Assured Bronze Standard for Inclusive Best Practices (UK), Clear Company, 2019
  • Employer of the Year, Lifeworks, 2019
  • Best Place to Work, Glassdoor, 2018-2019

These awards demonstrate that Travelers is does a great job encouraging and nurturing diversity, as it has won awards for being inclusive of military members, women, the LGBTQ community, people with disabilities, and more.

Cheap Car Insurance Rates

Will Travelers’ rates meet your budget? This is the question we’ll help you answer in this section.

We want to see how pricy Travelers is and what factors are most likely to affect your rates with this company. To bring you accurate rate data, we’ve partnered with Quadrant.

This section will cover everything from Travelers’ availability to driving record rates. Let’s jump right in.

Travelers’ Availability and Rates by State

Unfortunately, Travelers is not available in every U.S. state. If you move to one of the states Travelers doesn’t cover, you will have to find a new provider.

Travelers is not available in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Carolina, West Virginia, and Wyoming.

However, Travelers is available in 42 states, so you have a pretty good chance of being able to keep Travelers as a provider. You may not want to, though, if your rates change drastically after a move.

Below are Travelers’ rates by state, so you can see just how much a move can lower or raise your car insurance rates.

StateState Average Travelers' Annual PremiumCompared to State Average (+/-)Compared to State Average (%)
Alabama$3,566.96$3,697.80$130.843.67%
Arizona$3,770.97$3,084.74-$686.23-18.20%
Arkansas$4,124.98$5,973.33$1,848.3544.81%
California$3,688.93$3,349.54-$339.39-9.20%
Colorado$3,876.39Data Not Available--
Connecticut$4,618.92$6,004.29$1,385.3729.99%
Delaware$5,986.32$4,182.36-$1,803.96-30.13%
District of Columbia$4,439.24Data Not Available
Florida$4,680.46Data Not Available--
Georgia$4,966.83Data Not Available--
Idaho$2,979.09$3,226.29$247.208.30%
Illinois$3,305.48$2,499.76-$805.73-24.38%
Indiana$3,414.97$3,393.75-$21.22-0.62%
Iowa$2,981.28$5,429.38$2,448.1082.12%
Kansas$3,279.62$4,341.43$1,061.8132.38%
Kentucky$5,195.40$6,551.68$1,356.2826.11%
Maine$2,953.28$2,252.97-$700.31-23.71%
Maryland$4,582.70Data Not Available--
Massachusetts$2,678.85$3,537.94$859.0932.07%
Minnesota$4,403.25Data Not Available--
Mississippi$3,664.57$3,729.32$64.751.77%
Missouri$3,328.93Data Not Available--
Montana$3,220.84Data Not Available--
Nebraska$3,283.68Data Not Available--
Nevada$4,861.70$5,360.41$498.7110.26%
New Hampshire$3,151.77Data Not Available--
New Jersey$5,515.21$4,254.49-$1,260.72-22.86%
New Mexico$3,463.64Data Not Available--
New York$4,289.88$4,578.79$288.916.73%
North Carolina$3,393.11$3,132.66-$260.45-7.68%
Ohio$2,709.71$3,135.16$425.4515.70%
Oklahoma$4,142.33Data Not Available--
Oregon$3,467.77$2,892.19-$575.58-16.60%
Pennsylvania$4,034.50$7,842.47$3,807.9894.39%
Rhode Island$5,003.36$6,909.45$1,906.0938.10%
South Dakota$3,982.27Data Not Available
Tennessee$3,660.89$2,738.52-$922.37-25.20%
Texas$4,043.28Data Not Available--
Utah$3,611.89Data Not Available--
Vermont$3,234.13Data Not Available--
Virginia$2,357.87Data Not Available--
Washington$3,059.32Data Not Available--
Wisconsin$3,606.06Data Not Available--
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While we don’t have data for every state in which Travelers is available, the data we do have shows Travelers’ rates are usually higher than the average rates charged in the states.

In Pennsylvania, for example, Travelers costs 94 percent more than what the average company is charging. This is quite a big difference.

Where Travelers is cheapest (in Delaware), their rates are only 30 percent less than the average rates.

In most states, though, it’s a safe bet you’re going to pay more with Travelers than you would doing business with most other insurance companies.

Comparing the Top 10 Counties by Market Share

Now that we know Travelers’ rates tend to be pricy, we want to see how these rates compare specifically to other providers’ rates.

StateAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alabama$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arizona$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
Arkansas$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
California$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Connecticut$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
Delaware$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Maine$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Massachusetts$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Mississippi$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New Jersey$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New York$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
North Carolina$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
Tennessee$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
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Travelers’ standing varies from state to state. In some states, such as Michigan, Travelers’ rates fall in the middle of the pack. However, in others, Travelers’ rates are the second-most-expensive rates (just behind Allstate).

So if you choose Travelers, check and make sure that its rates for your state are not astronomically higher than the state average.

Average Travelers’ Male vs. Female Car Insurance Rates

We’ve covered location and rates, and now we want to dive into the other factors Travelers will use to determine your rates.

Gender and age are two of the most common factors, although gender is prohibited from being used as a factor in California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and parts of Michigan.

In all other states, though, Travelers will use accident data to determine which gender is more of a risk to insure.

The general conclusion is that males are more likely to engage in risky or reckless driving behavior, and as a result, Travelers’ charges them more.

Age and Marital StatusAverage Premium
Married 60-year old female$2,051.98
Married 60-year old male$2,074.41
Married 35-year old female$2,178.66
Married 35-year old male$2,199.51
Single 25-year old female$2,325.25
Single 25-year old male$2,491.21
Single 17-year old female$9,307.32
Single 17-year old male$12,850.91
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The price difference between genders does decrease as drivers age. While 17-year-old males pay about $3,000 more than 17-year-old females, 60-year-old males only pay about $23 more than 60-year-old females.

This is because both men and women become significantly better drivers as they age and gain experience. A 60-year-old male driver is going to pay about $10,000 less annually than a 17-year-old male.

So remember that while rates are high for teens, they will drop as they age.

Travelers’ Rates by Make and Model Last Five-Year Average

Do you know what the safety rating of your car is? Or if the replacement parts for your vehicle are easy to find? Even if you don’t, your insurers do.

Travelers will look at the safety rating of your car and the expense of parts to calculate a rate. Below, you can get an idea of how prices can range for common vehicles.

Vehicle Make and ModelTravelers' Average Premium
2015 Ford F-150:
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$4,023.47
2015 Honda Civic Sedan:
LX with 2.0L 4cyl and CVT
$4,420.37
2015 Toyota RAV4: XLE$4,383.78
2018 Ford F-150:
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$4,412.42
2018 Honda Civic Sedan:
LX with 2.0L 4cyl and CVT
$4,661.22
2018 Toyota RAV4: XLE$4,708.19
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There is about a $700 difference between the most and least expensive cars on this list.

That’s a hefty price. So next time you shop for a new car, make sure to check the price range of insurance for different vehicles.

Average Travelers’ Commute Rates

While getting a car with great safety ratings is one way to decrease costs, how far you drive also has an impact on costs.

Distance TravelledTravelers' Average Premium
10-mile commute (6,000 annual mileage)$4,399.85
25-mile commute (12,000 annual mileage)$4,469.96
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Travelers’ rate increase for a long commute is low, only about $70 per year (or $6 a month). However, remember that Travelers’ rates are already high, so the company can get away with charging a lower commute rate.

Average Travelers’ Coverage Level Rates

Since we know Travelers tends to have more expensive rates, we want to make sure that upgrading to a new coverage level is still affordable.

Coverage LevelAverage Rate
Low$4,223.63
Medium$4,462.02
High$4,619.07
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To upgrade from low to medium coverage at Travelers costs $239 and upgrading from medium to high coverage costs $157.

So to go from low to high coverage costs you an additional $396 a year (or $33 a month). This is low, as most companies charge about $1,000 to upgrade from low to high coverage.

However, Travelers’ rates are more expensive, so even though the price increase is low, the rate will still be high.

Average Travelers’ Credit History Rates

Another important factor is a driver’s credit history.

The average credit score in the U.S. is 675, which is usually classified as a good credit score.

If your credit score is below 675, you may have to pay a higher rate as a result of your fair or poor credit score.

Credit HistoryTravelers' Average Rate
Good$4,058.97
Fair$4,344.10
Poor$5,160.22
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If you go from good to poor credit, Travelers will increase your rates by about $1,100. This is on par with most other insurance companies.

Average Company Driving Record Rates

Driving record incidents are also huge factors when it comes to your rates.

Driving RecordTravelers' Average Rate
Clean Record $3,447.69
With 1 Speeding Violation$4,260.80
With 1 Accident$4,289.74
With 1 DUI$5,741.40
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A DUI on your record will cost you the most, about $2,000. A speeding violation costs the least, but it will still raise your rates about $800 (in addition to the cost of your speeding ticket).

These price increases are just for a first offense, which means if you have more than one offense on your record you’ll pay even more than the rates above.

Coverages Offered

We’ve covered Travelers’ rates in-depth and found that it costs more than other companies. Since you will likely be paying more than the average rates for car insurance, we want to make sure you’re getting your money’s worth.

To see what Travelers offers for its high price, we’re going to go through the company’s coverage levels, discounts, and programs.

Keep scrolling to see what Travelers offers its customers.

Types of Coverages Offered

Let’s start by seeing what types of auto insurance coverage Travelers offers.

  • Collision – Covers you if another car or object damages your car in a collision.
  • Comprehensive – Covers you if your car is damaged from something other than a collision with another vehicle (weather, vandalism, theft, and animal collisions).
  • Liability – Liability coverage will cover the other person’s injury or property damage costs if you caused the accident.
  • Medical Payments – Covers medical expenses for both you and your passengers.
  • Personal Injury Protection (PIP) – Covers your medical expenses and lost wages after an accident.
  • Uninsured/Underinsured Motorist – Covers you if you are in an accident with drivers who have little or no insurance and therefore can’t pay your accident costs.

Travelers offers all the basic coverages you might need. It also has extra add-on coverage options, like:

  • Loan/Lease Gap Insurance – Covers the difference between what you still owe on your car and what your vehicle is actually worth after your car is totaled.
  • New Car Replacement – Replaces your car if you total your new car within five years of purchase.
  • Rental Coverage – Provides a rental car until yours is fixed after a claimable accident.
  • Ridesharing – Only available for rideshare drivers in Colorado and Illinois.
  • Roadside Assistance – Helps with common problems like having a dead battery, locking yourself out of the car, running out of gas, and towing.
  • Umbrella Insurance – Provides extra liability insurance (useful in case you’re sued after an accident).

Travers has a great selection of add-ons, although it doesn’t have classic or modified car insurance. Also, its rideshare insurance is only available in two states.

Factors that Affect Your Rates

We’ve already covered several factors that affect your rates at Travelers.

As a reminder, they are:

  • Commute distance
  • Coverage level
  • Credit history
  • Demographics
  • Driving record
  • Vehicle type

However, there is one factor that affects your rates that we haven’t yet discussed. Discounts are a great way to lower your rates and are often overlooked.

One popular discount is the bundling option. If you bundle your Travelers auto insurance policy with a home insurance policy (or any other policy), you can earn a significant discount.

So if you want to keep your insurance policies in one place, look into getting a bundling discount.

Getting the Best Rates with Travelers

Travelers offers more than just bundling discounts. Take a look at the complete list of discounts the company offers below.

Travelers' DiscountsPercentage Saved
Anti-lock Brakesconsult with agent

Anti-Theftconsult with agent
Claim Free23%
Continuous Coverage15%
Daytime Running Lightsconsult with agent
Defensive Driver10%
Distant Student7%
Driver's Ed8%
Driving Device/App30%
Early Signing10%
Full Payment7.5%
Further Educationconsult with agent
Garaging/Storingconsult with agent
Good Student8%
Green Vehicle10%
Homeowner5%
Low Mileageconsult with agent
Membership/Groupconsult with agent
Multiple Policies13%
Multiple Vehicles8%
Newer Vehicle10%
Occupationconsult with agent
On Time Payments15%
Paperless/Auto Billing3%
Passive Restraintconsult with agent
Safe Driver23%
Vehicle Recoveryconsult with agent
VIN Etchingconsult with agent
Total Discounts 28
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Travelers has a total of 28 discounts, which isn’t bad (the highest number of discounts offered by a provider is 38).

Many discounts are easy to apply for, such as paperless billing.

Travelers’ Programs

Since you are paying a high price for Travelers insurance, looking through the available programs should be worth your time.

  • Accident Forgiveness – This program costs a fee, but it will forgive you one accident and one minor violation every 36 months.
  • Premier Responsible Driver Plan® – Once again, you can pay a fee to join the vanishing deductible plan. Drivers can earn up to $50 off their deductible for every six months they are accident and major violation-free (up to a total of $500 off).
  • Usage-Based App – IntelliDrive® monitors your driving habits and offers up to a 20 percent discount for good driving. Unsafe driving will result in a higher premium (except for in DC, MD, MT, PA, and VA).

Travelers’ usage-based app has the unfortunate problem of raising rates for unsafe driving. So unless you’re a perfect driver, don’t join this program.

It’s worth noting that you’ll have to pay to join Travelers’ accident forgiveness program, while at most other companies this option is offered for free.

What Stands Out and What’s Missing

We’ve covered rates and coverages, so let’s take a look at the good and bad points so far.

  • What Stands Out – Travelers has a good array of coverage options and a decent amount of discounts.
  • What’s Missing – Travelers has higher than average rates, charges for most of its programs, and it’s missing classic car insurance.

The bad news? There are a few more negatives than positives so far. Hopefully, this will balance out as we go through some more factors.

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Canceling Your Policy

If you find there are too many downsides to doing business with Travelers, you will want to cancel your policy.

However, canceling your insurance policy can be a frustrating ordeal. Insurers aren’t forthcoming on how to cancel, leaving you wading through complicated instructions as you try to collect the needed paperwork.

The good news is that breaking up with Travelers doesn’t have to make you want to throw your phone across the room. Being prepared beforehand will help the process go smoothly.

So keep reading to learn how to cancel your policy at Travelers.

Cancellation Fee 

Travelers doesn’t list a cancellation fee, which means there probably isn’t one. Usually, the only time a company charges a fee is if a customer cancels before the end of a renewal cycle.

Is there a refund?

Once again, Travelers doesn’t have information readily available about refunds. However, insurers are duty-bound to refund you for any unused policy.

So if you cancel before the end of a renewal cycle, Travelers should refund you for any unused months you prepaid for.

If you pay month by month, you won’t be refunded, as you won’t have any unused coverage.

How to Cancel

Ready to cancel? Keep reading for a step-by-step guide of how to cancel a Travelers policy.

Step One: Have a New Insurer

Before you even begin the process of canceling your policy with Travelers, you need a policy with a new insurer.

Why?

Unless you no longer need insurance because you sold your car, you need proof of a new insurer to cancel. Otherwise, you will have a lapse in insurance on your record.

Your new insurer will also ask for the end date of your Travelers policy, so if you cancel it before your new policy starts, your new insurer will take note.

Step Two: Contact Travelers

Once you have your new insurer, it’s time to contact Travelers to cancel. Just make sure you have the following information ready beforehand:

  • Contact information (name, address, and phone number)
  • Number of your Travelers policy
  • Date that you want your policy to end
  • Name, policy number, and start date of your new insurer, or
  • A bill of sale or proof of license plate relinquishment

Once you have the necessary information ready, you can use the following methods to cancel:

  • Call Travelers at 1.866.336.2077
  • Visit a local agent
  • Message an agent through the Travelers website

Calling or visiting an agent are the most direct ways to cancel your policy. We want to point out that simply stopping your payments is not a method of cancellation.

Travelers can take you to court for missed payments — it won’t just cancel your policy. So make sure you officially cancel with them.

Step Three: Make Sure Cancellation Worked

There are nightmare stories of people who thought they canceled their policies but found they had actually been paying for them for months.

With new payment methods like automatic billing, sometimes mistakes are made and customers keep paying for a canceled policy. So make sure to check your account after cancellation or call Travelers again to make sure the cancellation went through.

When can I cancel?

You can cancel anytime you want. The cancellation will go into effect immediately or at your desired end date.

However, Travelers may charge you a small fee if you cancel before the end of a renewal cycle.

How to Make a Claim

Multiple risk factors are outside your control every time you drive, from other drivers to deer to weather conditions. As a result, there is a good chance you’ll have to file a claim at some point in your driving career.

It is good to be prepared beforehand so that you don’t have to scramble to figure out how to file a claim after an accident.

Keep reading to learn how to make a claim with Travelers. We will also cover the number of claims Travelers pays out on each year.

Ease of Making a Claim

Before you make a claim, make sure you collect as much information as possible. You should try to have all of the following:

  • Photos taken of the damage (if possible)
  • Your contact information
  • Name/contact information of the other driver
  • Type of claim (auto, home, etc.)
  • Date of the incident
  • Description of what happened
  • Description of any injuries

Of course, in a hit-and-run, you won’t be able to collect the other driver’s information. So just try to get as much information as you can and any filed police reports.

Now that you have your information, you can file through any of the following options:

    • App – File a claim through Travelers’ mobile app.
    • Online – Sign in to your Travelers’ account to file online.
    • Phone – Call 1.800.252.4633 to file a claim over the phone.

All of these claim methods are available 24/7, so you can file at any time of the day.

Premiums Written

A company’s written premiums may seem unrelated to claims, but they give us insight into how capable a company is of paying their claims.

A company that has a high number of written premiums is earning more, so it is more capable of paying out customers’ claims. The number of written premiums also has an impact on how much companies charge for policies.

For example, if a company has written few premiums but paid out on a lot of claims, it will have to raise rates in order to remain financially solvent.

So let’s take a look at the NAIC’s data on Travelers’ written premiums.

YearDirect Premiums Written
2015$3,153,507,000
2016$3,896,786,000
2017$4,396,705,000
2018$4,697,743,000
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Travelers has managed to significantly increase its written premiums over four years. This is great, as it means Travelers is building its customer base and has more resources to pay claims.

Loss Ratio

Another way of looking at these figures is through a company’s loss ratio.

A loss ratio compares the number of claims paid to the number of premiums written. So a loss ratio of 60 percent means for every $100 earned in written premiums, $60 is being spend on claims.

  • High Loss Ratio (over 100 percent) – A company is paying out too many claims (risking bankruptcy).
  • Low Loss Ratio – A company isn’t paying out many claims, so there is a high chance of your claim being denied.

Now that we know what loss ratios mean, let’s look at NAIC’s data on Travelers’ loss ratios.

YearLoss Ratio
201559.87%
201665.45%
201766.6%
201860%
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The loss ratios look good. Travelers is paying out a decent number of claims while avoiding the risk of bankruptcy.

How to Get a Quote Online

One of the best ways to determine if a company’s prices will meet your budget is to get a free quote. This will also allow you to compare prices with multiple providers.

Luckily, it is easy to get a quote from Travelers. Keep reading for our step-by-step guide.

Step One: Visit Travelers’ Website

The first step to getting a free quote is to visit Travelers’ website. On the homepage, you will see a red banner advertising a free quote.

travelers-front-page

To get started on your quote, select auto and enter your ZIP code before clicking start quote.

If you prefer to get your free quote over the phone, you can call 1.888.308.7828. You will need the same information as for an online quote.

Step Two: Enter Personal Information

Travelers will first ask you for some basic personal information.

travelers quote questions 1 (1)

Step Three: Enter Vehicle Information

Unless you know your vehicle identification number (VIN), you’ll have to enter your vehicle make and model.

travelers quote vehicle

Travelers will also ask questions about how far you drive your vehicle on a daily basis and if there are any custom modifications made to your vehicle.

travelers_quote_commutenadcustom-medium

Step Four: Enter Driver Information

Next, Travelers will ask about your license and any violations on your driving record.

Travelers Quote, Driver Record-medium

Fill out this section as accurately as possible, or your quote won’t be accurate.

Step Five: Get Quote

Once you’ve filled out your vehicle and driver history, Travelers will give you your quote and the option to buy a policy.

travelers quotes comparison

You can also pick and choose coverages to adjust your quote.

travelers quotes coverage breakdown

So if you’re debating a coverage like uninsured motorist, this is a great time to compare prices.

As a reminder, you need the following information to get a quote from Travelers, either online or over the phone.

CategoryInformation Needed
PersonalFull address, date of birth, and email
(phone number is optional)
VehicleVIN (Vehicle Identification Number) OR
car year, make, model, and body style.
DriverDriving history in the last five years
(accidents, tickets, DUIs, past claims)
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You do not need your social security number or your license.

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Design of Website and Apps

If customers can’t easily find information on a site, or if they download an app and it has a lot of glitches, they may consider signing up with a different company.

Since signing up with Travelers means you’ll be using its website and apps, we want to make sure Travelers’ technology is well-designed and runs smoothly.

Stick with us as we go through Travelers’ website and apps.

Design of Website

Travelers has a well-designed website. Information is organized under main topics at the top of the website, and there is also a search and a log in option.

Travelers Main page

If you click on one of the topics, you will see a dropdown menu like the one below.

Travelers Expandable Menu

This clean layout makes it easy to find the answers to your questions. If you get stumped when searching through the topics, you can always enter a basic search word into the search option at the top of the screen.

So overall, we have to say Travelers has a well-designed website that’s easy to navigate and visually appealing.

Design of Apps

Apps are usually a bit trickier to design, as there tend to be more bugs and updates required. Let’s start by taking a look at Travelers’ main app.

MyTravelers® app has 2.6 stars out of five on the Apple App Store (based on over 100 ratings). On Google Play, the MyTravelers® app has three out of five stars (based on over 300 ratings).

The app doesn’t have stellar ratings, which is a concern. Since the app is used for everything from paying bills to filing claims, major glitches are frustrating.

travelers app screenshots

A majority of the complaints focused on technical issues:

  • Face ID not working
  • Touch ID not working
  • App not opening

If Travelers fixes these bugs with new updates, the app should earn better ratings. After all, the app conveniently lets customers do all of the following:

  • Pay insurance bills
  • Set up automatic payment
  • View, print, or download insurance ID cards
  • View policy information
  • File a claim
  • Get roadside assistance
  • Go paperless

Travelers’ IntelliDrive® also has only okay ratings on the App Store and Google Play.

IntelliDrive® has 3.1 stars out of five in the App Store (based on over 100 reviews) and 2.6 stars out of five from Google Play (based on over 100 reviews).

travelers usage-based app

Common complaints? Users are disgruntled about how fast the app drains their battery when driving. They are also upset with how the app penalizes all hard-braking events, as not all hard-braking events are the driver’s fault.

However, neither of these issues is out of the ordinary. They are common problems with all usage-based driving apps.

Pros and Cons

We’ve covered everything from rates to website design, so let’s take a moment to go over the advantages and disadvantages of a Travelers policy.

ProsCons
Strong financial strength
Not available in all 50 states
Continued market share growth Third-highest average rate
among top 10 insurers
Has a variety of add-ons,
including gap insurance,
new car replacement, and discounts
Not all
customer satisfaction feedback was positive
Plenty of services and tools
accessible through Travelers' main app, such as roadside assistance and filing claims
Consistent negative feedback on
mobile app's functionality
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Ultimately, it’s up to you to weigh these pros and cons and determine whether or not Travelers is the right insurance provider to meet your needs.

The Bottom Line

If you choose Travelers, your rates may be more expensive than at other companies. However, Travelers does have several discounts that can lower your car insurance costs.

Unfortunately, the programs that lower car insurance costs (accident forgiveness and vanishing deductibles) aren’t free — you’ll have to pay a small fee to join them.

However, Travelers does offer a great range of basic coverages and add-ons, so your vehicle will be well-protected.

The bottom line?

Travelers is a bit more expensive, but you’ll be getting good coverage from a reputable, financially solid company for the price.

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FAQ

We’ve covered a lot in this review, but you might still have questions about Travelers. Keep reading to see what others are asking about this insurance provider.

Does Travelers cover rental cars?

If you have rental car coverage, Travelers will cover the cost of a rental car after a claimable accident. Your car does have to be in the repair shop for more than 24 hours for you to qualify for a rental car, though.

Does Travelers cover windshield repair or replacement?

Travelers will pay for your windshield repair or replacement if you have comprehensive coverage and the damage is claimable.

When you file a claim, you will have to file specifically for an auto glass and windshield claim.

Does Travelers offer roadside assistance?

Travelers offers the option to buy roadside assistance as an add-on coverage. Roadside assistance will help with the following situations:

  • Locked out of car
  • Ran out of gas
  • Flat tire
  • Dead battery
  • Towing

If you need assistance, you can ask for assistance through Travelers’ main app or call them.

How does Travelers auto insurance rate?

Travelers has great financial ratings, but its customer service ratings were only okay. Still, Travelers has rated well overall on a majority of review sites.

Is Travelers’ insurance cheap?

It depends on where you live. In some areas, Travelers’ rates are below the state average. However, you can expect Travelers’ rates to be more expensive than the average in the majority of states.

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