Services
Insurance
Loans
Repairs
Advice
About

Travelers Car Insurance Review
(Mar 2024)

In a study of real insurance policyholders’ experiences, the Jerry research team ranked Traveler's 2nd overall compared to companies of a similar size.
compare
Compare Quotes
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Comprehensive Travelers Car Insurance Review

With more than 165 years in the
auto insurance
industry, Travelers Insurance offers a variety of coverages at an affordable price, so it’s no wonder why they’re one of the
best car insurance companies of 2023
, according to first-hand reviews analyzed by Jerry’s research team.
After reviewing the data from over 120 insurance providers, our experts ranked Travelers 2nd overall compared to similar-sized companies.
Here’s a breakdown of how our verified Travelers policyholders ranked their insurance provider:
4.5
red starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred stargray stargray stargray stargray stargray star
234 Reviews
5 Stars
67.95%
4 Stars
18.38%
3 Stars
9.83%
2 Stars
2.14%
1 Star
1.71%
Jerry
experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. 

So, is Travelers a good insurance company?

Yes—customer reviews suggest that Travelers is one of the top insurance providers in the US.
Our experts analyzed more than 300 real customer reviews from Travelers customers. They found that of those reviews, 90.5% of respondents had positive things to say about the carrier, while just 2.1% were negative and the remainder were neutral.  
Compared to the national average of 64% positive reviews and 18.54% negative reviews, it’s clear that Travelers ranks well above average, and customers are highly satisfied with the products and services from Travelers.
The good: Positive Travelers insurance reviews talked about their excellent customer service and affordable pricing. Customers also enjoyed:
  • Robust coverage options 
  • Extensive list of discounts
  • Easy buying process
The other side: Although many Travelers customers lock in a good price for their policy, some don’t. Negative reviews revolved around high premiums, especially if drivers didn’t qualify for discounts.
We asked policyholders to rate Travelers on its affordability, claims experience, customer service, and renewal process. 
See how Traveler’s ratings compared to the national average of all companies surveyed below:
CriteriaTravelers's RatingIndustry Average
Overall
4.6
4.1
Cost / Price
4.2
3.8
Claim Experience
4.5
3.5
Customer Service
4.5
4
Renewal Experience
4.6
4
With more than 425,000 customers nationwide, Travelers prides itself on being an insurance company that cares and has built a strong reputation as one of the top property casualty insurers in the country. 
When evaluating Travelers’ strengths and weaknesses, we wanted to check out how other industry leaders, like J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC), rated them.
Here’s how Travelers ranks against the national average for other insurance companies in the US:
Critera
Travelers
Score Out Of
BBB Rating
A
A+
NAIC Rating
.43
6
Clearsurance
4.08
5
A.M. Best Rating
A++
A++
IOS App Store Rating
4.7
5
Google Play Store Rating
3.5
5
Please note* that a greater NAIC score indicates increased risk.

Travelers car insurance reviews

Not only did we ask Travelers policyholders to rate the company in several specific categories we were interested in, but we also wanted to hear what they had to say! Keep reading for actual reviews from Travelers auto insurance customers:

Travelers pros and cons

Based on our analysis of both our national insurance customer satisfaction survey and the public third-party ratings available for Travelers, here’s an overview of some of the pros and cons of buying a car insurance policy through Travelers:
iconPros
Easy online quote process
Robust full coverage offerings
Extensive car insurance discounts
A good option for teen drivers
24/7 claims reporting
Long-standing reputation
iconCons
Not available nationwide
Rideshare coverage is available only in Illinois and Colorado
Mixed customer reviews
Relatively expensive coverage
Some issues with the mobile app

Is Travelers the right insurance company for you?

Travelers is usually one of the best car insurance providers for: 
  • Drivers with a
    DUI
     
  • Teen drivers
  • Drivers who prioritize good customer service
  • Drivers who want
    accident forgiveness
     
  • Drivers with poor credit scores
Remember: While Travelers has a strong reputation and earned excellent scores across the board in our survey, average rates can be pricey compared to other companies—if you’re on a tight budget, a car insurance policy through Travelers might not be the best pick.
Travelers car insurance is only available in
42 states
and Washington, D.C., and
rideshare coverage
for Uber and Lyft drivers is only available in Illinois and Colorado.
Learn more about how our survey respondents rated Travelers' car insurance services below:

Is Travelers car insurance expensive?

While affordability is a strong point for Travelers, they can be pricier than some competitors for drivers who buy more than
state minimum car insurance coverage
According to our survey results, 25.9% of all surveyed Travelers reviews mentioned cost. Of those reviews, a whopping 76.5% had positive sentiments toward insurance costs, while 14.1% were negative.
Compared to other insurance companies of a similar size, Travelers ranked 3rd in terms of policy cost satisfaction and scored 4.2 stars out of 5.0—quite a bit higher than the national average of 3.81. Here’s how Travelers compared to the other companies in our study:
Travelers Policy Cost RatingRankingIndustry Average
4.2
3
3.8
Remember: Car insurance rates won’t be consistent across the board. Premiums vary based on individual factors, so every driver’s quote from Travelers will differ. As with other insurance providers, Travelers
calculates insurance premiums
based on the following: 
Although states allow auto insurance companies to use different rating factors when calculating insurance rates, there are general cost trends within each state. According to our data, here’s how Travelers trends:
Note: Certain states cannot use credit scores as a rating factor. California, Hawaii, Massachusetts, and Michigan currently ban insurance providers from using credit to calculate car insurance rates.

Travelers cost reviews

Check out how real Jerry users rated Travelers based on cost below:

Find real Travelers car insurance quotes

If you’re worried about finding an
affordable insurance quote
with a reputable company, don’t panic—
Jerry
is here to help you determine if Travelers is the right car insurance provider. Using our free comparison app, we’ve helped millions of drivers like you
compare auto insurance quotes
from Travelers and over 55 other insurance providers in seconds. 
Here are some recent insurance quotes from Travelers to help you best understand how your driver profile might affect the cost of a policy:
Premium (monthly)CustomerCarInsurance Coverage
$94
Tesla Model 3
• State Minimum Liability
• Comp / Collision
$137
Ford Edge SEL
• 50,000/100,000 Liability
• Comp / Collision
$90
Honda Odyssey Touring
• 100,000/300,000 Liability
• Comp / Collision
$138
Honda S2000
• 50,000/100,000 Liability
• Comp / Collision
$195
Buick Encore
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 14, 2024

Will Travelers raise your rates?

Like all insurance providers, Travelers can only increase your premium when it’s
up for renewal
Some of the most common reasons you may see an increase in your insurance rates with Travelers include: 
  • New driving violations or tickets
  • New at-fault accidents
  • New zip code
  • New vehicle on a policy 
  • New driver on a policy 
  • Inflation
  • Age
According to our survey, 55.8% of drivers with a Travelers auto insurance policy chose to renew when they received updated rates at the end of their term.

Does Travelers resolve claims fast?

If you’re looking for a quick resolution after
filing an insurance claim
, you might find it with Travelers. 
In most cases, claims are resolved within 30 business days of the claim being submitted. If your claim can’t be resolved within this window, a Travelers agent will contact you to ensure you’re aware more time is needed. 
Of the respondents in our survey, 55.8% reported having filed a claim with Travelers. They were also ranked 3rd for claims processing compared to other insurance companies of similar size and earned a 4.5 out of 5.0 rating for claims and resolutions, suggesting most Travelers customers are satisfied with the insurer’s claims processing.
Check out some of the reviews below to see how customers described their experience with the Travelers claims process:
Travelers Claims Resolution RatingRankingIndustry Average
4.5
3
3.5

Travelers claims reviews

See how real Jerry drivers rated Travelers based on claim handling below:

Does Travelers have good customer service?

When it comes to customer service, Travelers received some of the best ratings in our survey.
Survey respondents gave Travelers’ customer service a 4.5 out of 5.0 rating and ranked them 3rd compared to other insurance companies of similar size. Compared to the national average of 3.9 for customer service, Travelers customer service appears to excel, and customers are happy.
Concerning customer service, reviews from Travelers customers mention they’re easy to deal with, very accommodating, and their customer service is the best yet.
Keep reading to see how survey respondents rated Travelers customer service:
Travelers Customer Service RatingRankingIndustry Average
4.5
3
4

Travelers customer service reviews

Check out how real Jerry drivers rated Travelers based on customer service below:

Travelers car insurance discounts

Discounts are a great (and easy) option for drivers looking to save on car insurance. Luckily, Travelers offers a wide variety of
car insurance discounts
that can help you save up to 15% on your rates.
Here’s a breakdown of the available discounts with Travelers Insurance:
  • Multi-policy discount: Bundle multiple insurance policies, such as
    auto and home insurance
    , can help you save up to 13% on your auto insurance rates.
  • Multi-car discount: If you have more than one car at the same address, insure it under the same policy to be eligible for this discount. 
  • Homeownership discount: If you’re a homeowner, you may be eligible for a discount on your car insurance.
  • Safe driver discount: Travelers believes safe driving should be rewarded—if you’ve had no accidents, violations, or major comprehensive claims for the past three to five years, you could save with a
    safe driver discount
    .
  • Continuous insurance discount: If you’ve held car insurance continuously with Travelers with no gaps in coverage, you may be eligible for a reduced rate.
  • Hybrid/electric discount: If you own or lease a hybrid car, you could save on your Travelers auto insurance.
  • New car discount: When you purchase a new car or own a vehicle that’s less than three years old, you may qualify to save on your premium.
  • EFT,
    Pay in Full
    , and Good Payer discounts: You can save based on how you choose to pay. 
  • Early quote discount: If you’re new to Travelers and get a quote before your current policy expires, you may be eligible for a discount on your Travelers auto insurance policy.
  • Good student discount
    : Drivers who are enrolled in high school or college and maintain a “B” average or better may qualify for a discount on their car insurance rates.
  • Student away at school discount
    : If one of your dependents is away at school at least 100 miles away and won’t be driving, you could qualify for a lower rate.
  • Driver training discount: Complete an approved driver education course to sharpen your driving skills, and it could help you save on your premium.
Note: A complete list of discounts may not be available online, so call a Travelers agent directly and ask about what discounts they offer.

Travelers coverage options

As with any insurance company, Travelers offers basic coverages needed to meet your state’s car insurance requirements and a range of add-on coverages for drivers who want more protection. 
Here’s a breakdown of Travelers car insurance options to fulfill minimum coverage requirements:
  • Liability car insurance
    : Liability consists of
    bodily injury liability
    and
    property damage liability
    and is required by most states. If you’re involved in an at-fault car accident, liability will pay for the injuries suffered by others and any damage your vehicle caused to personal property.  
  • Uninsured/underinsured motorist coverage
    : If you’re involved in an accident with a driver who doesn’t have insurance (or doesn’t have enough insurance), this coverage will help cover the cost of your repairs and medical bills.
  • Personal injury protection (PIP)
    : Also called no-fault insurance, this is a mandatory coverage in some states. It pays for medical expenses, lost wages, and other damages regardless of who’s at fault.
  • Medical payments (MedPay) coverage
    : Similar to PIP, MedPay provides recoupment or partial recoupment as a supplement to health insurance if you and your passengers are injured in a car accident. 
Travelers also offers other insurance products that can provide more comprehensive coverage on the road:
  • Collision coverage
    : If you get into an accident with another vehicle or stationary object, or if your car rolls over, collision insurance will cover the cost of repairs or replacement.
  • Comprehensive coverage
    : This covers most things collusion doesn’t—theft, fire, vandalism, and other situations where your vehicle is damaged but not in an accident with another vehicle or object. 
  • Loan/lease or gap insurance
    : If your car is financed or leased and is declared a total loss, gap insurance bridges the gap between the
    actual cash value
    of the vehicle and the amount you still owe on your loan or lease.
  • Rental car reimbursement coverage
    : If your car needs to stay in the repair shop for more than a day after an accident, rental reimbursement coverage will help you pay for a rental car while you wait for the repairs.
  • Roadside assistance
    : Also called towing and labor coverage, this insurance covers multiple roadside emergencies such as a flat tire, dead battery, or mechanical troubles. 
  • New car replacement
    : If you total a brand-new car within the first five years of ownership, this coverage ensures you can replace it with the same make/model.
  • Accident forgiveness
    : If you have an otherwise
    clean driving record
    , accident forgiveness can prevent a major increase in your car insurance rate after you get into your first accident. Travelers’ Responsible Driver Plan even offers minor violation forgiveness! 
  • Rideshare coverage
    : Only available for rideshare drivers in Illinois and Colorado, this coverage protects you while you’re on the job and stops when you’re driving for personal reasons.
  • Named non-owner
    : If you frequently drive a car that you don’t own (i.e., you rent or borrow one), this policy offers liability coverage at a lower cost.
In addition to the additional coverages mentioned above, Travelers also offers an optional telematics program called IntelliDrive. This program monitors your driving habits and performance over 90 days via a smartphone app and then adjusts your insurance rate based on how well you drive. As an incentive, you can save on your car insurance policy’s first term just by enrolling. Upon renewal, safe driving habits can earn you a discount of up to 30%, while riskier driving habits could result in you paying a higher premium.
Finally, Travelers also offers a range of non-auto insurance products, from
homeowners insurance
and
renters insurance
to umbrella insurance, pet insurance, and wedding/event coverage. 

Compare Travelers quotes by driver profile

Your age, demographic, driving history, and more all affect your car insurance premiums. Here’s how much of a difference they can make to your auto insurance rates at Travelers.

Travelers quotes for teen drivers and senior motorists

Teen drivers
pay some of the highest insurance rates of any age group due to limited experience on the road. While teen driving rates from Travelers aren’t significantly lower than other providers, teens may find some savings, especially if they’re eligible for discounts.
card cover
Amy (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBumpass, VA
carFord F250 Super Duty
$263
per month
card cover
Cecilia (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$144
per month
card cover
Luella (24 years old)
coverageCoverage
State Minimum
$288
per month
card cover
Sadie (24 years old)
coverageCoverage
State Minimum
$227
per month
card cover
Shane (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$112
per month
Senior drivers
can also face higher rates due to age-related changes that can interfere with driving and increase the risk of accidents and injuries. However, Travelers offers a defensive driving discount in 34 states and the District of Columbia for seniors who complete an approved
defensive driving course
.
card cover
Lawrence (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationLiberty, SC
$96
per month
card cover
Jay (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$66
per month
card cover
Katherine (66 years old)
$97
per month
card cover
William (68 years old)
coverageCoverage
State Minimum
locationEpsom, NH
$89
per month
card cover
Ida (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$128
per month

Travelers quotes for drivers with violations

Car insurance for high-risk drivers
is expensive regardless of your provider, and Travelers is no different. 
Among the most common offenses is speeding. Car insurance rates typically increase after a speeding ticket, but the amount of the rate increase varies based on the severity of the offense and the insurer. Take a look at some real Travelers quotes that drivers with a speeding ticket found with Jerry.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
$197
Nell, 37
Zip: 27713
Lexus LS 460
• State Minimum Liability
• Comp / Collision
Speeding 6-10
$104
Cornelia, 30
Zip: 27405
Toyota Avalon XL
• State Minimum Liability
• Comp / Collision
Speeding 11-15
$67
Callie, 48
Zip: 27560
Mazda CX-5 Sport
• State Minimum Liability
• Comp / Collision
Speeding 16-20
$163
Birdie, 32
Zip: 23513
Ford Fusion Hybrid
• State Minimum Liability
• Comp / Collision
Speeding 21+
$115
Estella, 28
Zip: 34741
Honda Accord EX
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024
A DUI offense on your driving record can affect your car insurance rates. Not only will you see a steep increase after a
DUI
conviction, but you may also be required to
file an SR-22
or FR-44 with your state’s DMV.
Take a look at the table below to see the actual Travelers rates Jerry found drivers with a DUI.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
$197
Nell, 37
Zip: 27713
Lexus LS 460
• State Minimum Liability
• Comp / Collision
Speeding 6-10
$104
Cornelia, 30
Zip: 27405
Toyota Avalon XL
• State Minimum Liability
• Comp / Collision
Speeding 11-15
$67
Callie, 48
Zip: 27560
Mazda CX-5 Sport
• State Minimum Liability
• Comp / Collision
Speeding 16-20
$163
Birdie, 32
Zip: 23513
Ford Fusion Hybrid
• State Minimum Liability
• Comp / Collision
Speeding 21+
$115
Estella, 28
Zip: 34741
Honda Accord EX
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024
If you’re involved in an at-fault accident, your rates with Travelers will likely increase when your policy is renewed.  
Accident TypePremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
$189
Mitchell, 39
Zip: 28787
Subaru Forester Sport
• State Minimum Liability
• Comp / Collision
At Fault With Injury
$96
Lulu, 37
Zip: 27455
Subaru Crosstrek Premium
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$212
Cameron, 30
Zip: 92630
Honda Accord Touring Hybrid
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$182
Mason, 40
Zip: 92627
BMW 330E
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
$164
Franklin, 36
Zip: 94597
Audi Q5 Premium Plus
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024
Speeding tickets, accidents, and DUIs are just some of the violations that can cause your Travelers insurance rates to increase. Check out the table below to see how other violations influence your rates.
ViolationPremium (monthly)CustomerCar
Careless Driving
$189
Chevrolet Silverado C1500
Cell Phone
$92
Mazda 6 Touring
Illegal Turn
$189
KIA Optima EX
Leaving scene of an Accident/Hit and Run
$78
Land Rover LR3 SE
Defective Equipment
$138
RAM 1500 SLT
coverageLast Updated Mar 13, 2024

FAQs

Yes, Travelers does offer a defensive driving course discount for drivers who have successfully completed a state-approved driver education course. You can receive up to 8% on your car insurance rate if you're eligible for this discount. Once the discount expires, you can renew it by taking another course.
You can file a car insurance claim through the Travelers website or app. Travelers recommends calling an agent at 1-800-252-4633 for serious injuries or significant property damage.
You can get a quote for Travelers car insurance online through their website or by calling a customer service representative at 1-866-621-7097. You can also find Travelers quotes through the Jerry app and compare them with competitive quotes from dozens of other insurers!
Drivers looking for an insurance provider with good customer service and competitive rates should consider Travelers. In our survey, they earned excellent ratings in nearly every category. Drivers who have been in a car accident or have a poor credit score may also find competitive rates through Travelers.

Read all Travelers Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.