Travelers Insurance Review 2025

Our take

Travelers auto insurance is a solid option for drivers seeking customizable coverage options and the chance for a rate discount. This insurer is well-rated by industry reports and consumers alike.

Pros:

• Low number of customer complaints.
• Customizable coverage.
• Many premium discount options.

Cons:

• Does not offer SR-22 insurance.
• Not available in all 50 states.

Travelers car insurance review

Jerry did not give Travelers a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.

With multiple discounts and coverage customization options, Travelers insurance stands out as a strong option for drivers with clean records seeking low premiums. This insurer fares well with consumers and in industry reports. It boasts a high financial strength rating.

Travelers is the sixth largest car insurance provider in the United States, according to the National Association of Insurance Commissioners (NAIC). The company sells insurance in many states and customers can purchase coverage online, over the phone or in-person from an agent.

Who is Travelers best for?

Travelers auto insurance is best for consumers with clean driving records who want plenty of coverage customization options, or who qualify for one of the insurer’s many discounts.

Travelers does not file SR-22 documents for drivers, according to a customer service representative, so high-risk drivers who require those forms may not be a fit for Travelers.

Though Travelers is a well-rated insurer, it’s wise to compare policies from multiple companies to find the most affordable coverage.

How much does Travelers car insurance cost?

Travelers has a reputation for offering affordable premiums to qualified customers with rates that are often under the national averages. Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy, and the amount of coverage you want.

Travelers car insurance discounts

Travelers offers a variety of ways for drivers to reduce their premiums. The insurer provides discounts for:

• Having multiple insurance policies.
• Insuring multiple vehicles.
• Being a homeowner.
• Going three to five years without a major claim or violation.
• Being a loyal Travelers customer.
• Driving a hybrid or electric car.
• Buying a new car.
• Insuring a high school or college student who maintains a B average or better.
• Paying your policy in full, setting up automatic payments or consistently paying your premium on time.

Does Travelers offer insurance based on driving behavior?

Yes. Drivers 42 states and Washington, D.C. may have the option to save on Travelers car insurance costs by using the company’s telematics program, IntelliDrive, to track their driving behavior. The program rewards:

• Not driving late at night.
• Not accelerating or braking quickly.
• Not driving at a high speed.
• Avoiding distractions while driving.

Travelers car insurance coverage options

Like most insurers, Travelers offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

• Coverage definitions

  Coverage	Definition
  Collision	Pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive	Covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Liability for Bodily Injury (BI)	Helps cover medical costs sustained by others in an accident you cause. It’s mandatory in most states.
  Liability for Property Damage (PD)	Helps pay for repairs or replacements of any vehicles or objects you damage. It’s mandatory in most states.
  Personal Injury Protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical Expenses (MedPay)	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states
  Uninsured/Underinsured Motorist (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance or carries insufficient coverage to pay for your costs.

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Travelers also provides the following optional coverage add-ons:

• Loan/lease gap insurance, which may cover the difference between the actual value of a financed or leased vehicle that has been totaled and your remaining unpaid balance.
• Roadside assistance helps cover expenses if your car breaks due to a dead battery or low fuel, for example.
• Accident forgiveness protects some drivers from a premium increase after one accident.
• Rental coverage pays for a rental car if your vehicle is out of commission due to an accident.
• New car replacement may cover the cost of replacing a new car with another new car of the same make and model.
• Rideshare coverage covers drivers who perform ride-hailing or delivery services during the time when they are waiting for a request.

Industry ratings of Travelers car insurance

Travelers car insurance does well in industry ratings with above-average marks in J.D. Power’s auto insurance shopping study and a consumer complaint index that’s lower than many competitors.

• CRASH Network details

  CRASH Network, an automotive trade publication, gives Travelers a C in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for drivers.

  Travelers is ranked No. 63 out of 88 insurers rated.

  In 2024, the CRASH Network’s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on the CRASH Network’s website.

• J.D. Power details

  Travelers is ranked No. 6 out of 17 insurers rated in J.D. Power’s 2024 Insurance Shopping Study, well above average.

  
  However, the insurer came in at No. 18 out of 21 insurers rated on J.D. Power’s 2024 Auto Claims Satisfaction Study.

  J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.

• AM Best details

  Travelers car insurance received an A++ financial strength rating from AM Best, the highest rating possible. This indicates that, according to AM Best, Travelers has a superior ability to pay out insurance claims.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Customer reviews of Travelers

Hundreds of Jerry customers have used and reviewed Travelers auto insurance and have given the company a strong overall score.

Jerry customer reviews

4.4

287 Reviews

Ratings

5 Stars

64%

4 Stars

18%

3 Stars

13%

2 Stars

3%

1 Star

2%

How to contact Travelers

Policyholders can log on to the Travelers website (https://www.travelers.com/) or use the company’s mobile app to manage their policies, view claim statuses, pay their bills and chat with customer service representatives.

Here are the company’s telephone numbers:

Get a quote: 1-855-335-8715.

Policy questions: 1-800-842-5075.

File or check on a claim: 1-800-252-4633.

Methodology

We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.

These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts