Travelers Car Insurance Review


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Key Takeaways

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Travelers ranks third for full coverage affordability and fourth for minimum liability coverage, with average rates of $97 and $50 monthly, respectively.

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Travelers earns third place nationwide for overall customer satisfaction due to its strong agent service and positive forum reviews from policyholders.

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Travelers earns fourth place for coverage options, offering features like new car replacement coverage and accident forgiveness programs for qualifying drivers.

Travelers Car Insurance Ratings

Travelers ranks second nationally as one of the best car insurance companies, excelling in affordability and comprehensive coverage options, offering competitive rates alongside solid protection. This ranking reflects a 40-year-old male driver with good credit and no driving violations. Travelers' ranking for your profile depends on your coverage needs.

Overall Score4.502
Customer Experience4.673
Coverage4.094
Affordability4.493

Who Is Travelers Car Insurance Best and Worst For?

Travelers works well for drivers seeking comprehensive coverage options, strong financial stability, local agent support and established claim handling processes. Budget-conscious drivers and those prioritizing the lowest rates should explore other options first.

Compare how Travelers stacks up for your profile below.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Overall Score4.561
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Travelers Car Insurance Ratings by State

Travelers earns top-five rankings in 27 out of 51 states and territories nationwide. The company holds the number one spot in 14 states, including Florida, Michigan, Wisconsin, Arizona, Maryland, Arkansas, Iowa, Indiana, Kentucky, Mississippi, Delaware, Nevada, Maine and Kansas.

Alabama4.542
Arizona4.791
Arkansas4.791
California3.819
Delaware4.891
Florida4.891
Idaho4.304
Illinois4.503
Indiana4.601
Iowa4.771
Kansas4.721
Kentucky4.771
Maine4.781
Maryland4.551
Massachusetts3.7210
Michigan4.751
Minnesota4.492
Mississippi4.691
Missouri4.832
Nevada4.871
New Jersey4.465
New York4.077
Ohio3.748
Oregon4.872
Pennsylvania4.832
Rhode Island4.632
South Carolina4.462
Tennessee4.742
Virginia4.772
Washington4.534
Wisconsin4.701

*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.

Travelers Car Insurance vs. Competitors

Here's how Travelers car insurance compares with other major national insurers:

Travelers vs. GEICO

4.5 vs. 4.34

GEICO costs less, but Travelers offers better customer service and coverage options.

Travelers vs. State Farm

4.5 vs. 4.15

Travelers edges out State Farm across all scoring categories.

Travelers vs. AAA

4.5 vs. 3.79

Travelers leads AAA in cost, customer experience and coverage.

Travelers vs. Allstate

4.5 vs. 3.78

Allstate has stronger coverage, but Travelers wins on customer experience and affordability.

Travelers vs. USAA

4.5 vs. 4.86

USAA leads across all categories for military members.

Travelers vs. Progressive

4.5 vs. 4.2

Travelers offers better rates and customer reputation, though Progressive has more coverage options.

Travelers vs. Farmers

4.5 vs. 3.86

Farmers provides the best coverage options, but Travelers excels in affordability and customer experience.

How Much Does Travelers Car Insurance Cost?

Travelers car insurance costs range from $46 to $1,171 monthly, depending on your specific profile and coverage needs. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
$278$3,334-20%7

Travelers Car Insurance Rates by Driver Category

Travelers ranks among the cheapest car insurance companies for adult drivers, those with accidents, DUIs, speeding tickets and drivers with newer vehicles. The company offers competitive rates across most driver categories. Review how affordable Travelers is for your driving category in the table below.

Adult Drivers$50$97-19%3
Young Drivers$116$232-23%3
Senior Drivers$70$132-13%5
Drivers With An Accident$69$137-23%2
Drivers With A DUI$78$158-28%2
Drivers With A Speeding Ticket$63$128-17%3
Drivers With Bad Credit$115$222-26%6
Drivers With Low Income$73$145-19%4
Adult Drivers$50$97-21%3
Drivers With Newer Cars$49$96-33%2
Drivers With Old Cars$50$97-12%5

*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.

Travelers Car Insurance Rates by State

Travelers' monthly rates vary from $25 to $189 by state. The insurer ranks among the top five most affordable options in 23 states and territories. See Travelers' affordability and pricing in your area below.

Alabama$47$86-15%5
Arizona$41$83-39%2
Arkansas$41$89-19%3
California$93$18923%10
Delaware$48$78-56%1
Florida$52$112-52%1
Idaho$38$867%8
Illinois$47$86-11%4
Indiana$35$71-15%4
Iowa$28$66-27%2
Kansas$33$76-32%3
Kentucky$47$94-32%2
Maine$28$52-29%2
Maryland$67$116-23%4
Massachusetts$70$15657%12
Michigan$25$79-48%1
Minnesota$47$91-10%7
Mississippi$54$105-11%3
Missouri$40$81-35%3
Nevada$57$105-30%2
New Jersey$105$157-9%7
New York$108$18561%11
Ohio$36$75-10%4
Oregon$49$82-24%4
Pennsylvania$30$70-39%1
Rhode Island$56$96-23%4
South Carolina$70$122-2%7
Tennessee$38$78-23%4
Virginia$30$61-39%2
Washington$53$1092%7
Wisconsin$29$59-29%3

*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.

Travelers Car Insurance Discounts

Travelers offers 14 discounts for car insurance, with average savings of up to 30% depending on your driving habits, policy choices and bundling options. Check out its offerings:

Multi-Policy/Bundle

Up to 13%

Bundle auto with home, condo, renters or other Travelers policies

Available nationwide
Multi-Car

Variable

2+ vehicles on same policy

Not available in CA

IntelliDrive Telematics

Up to 30% (up to 20% at renewal)

Download mobile app to track driving habits for 90+ days including speed, acceleration, braking

Not available in CA, NY

Safe Driver

Up to 10%

No accidents, violations or major comprehensive claims in household for past 3–5 years

Not available in CA, NY

Continuous Insurance

Up to 15%

Maintain continuous auto insurance coverage with Travelers

Available nationwide

Good Student

Up to 8%

Full-time high school or college students with B average or better

Available nationwide

New Car

Up to 10%

Insure brand-new vehicle

Not available in CA

Home Ownership

Variable

Own a home or condo, even if insured elsewhere

Not available in CA

Student Away at School

Up to 7%

Full-time student living 100+ miles from home without vehicle access

Available nationwide

Driver Training

Up to 8%

Complete approved driver education course

Available nationwide

Early Quote

3-10%

Get quote before current policy expires

Not available in CA, NY

EFT/Electronic Payment

2-3%

Set up automatic electronic payments

Not available in CA

Paid in Full

Up to 7.5%

Pay entire premium upfront

Not available in CA

Good Payer

Up to 15%

No late payment fees in past 12 months

Not available in CA, MD, NY, WA

Travelers Car Insurance Customer Reviews and Reputation

Travelers ranks third in customer experience in MoneyGeek's comprehensive study. Customer feedback shows the company excels in agent service quality and digital platform usability, but claims processing draws more complaints than other service areas. 

The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.

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    Buying Process Experience

    Travelers works primarily through independent agents who can provide quotes from multiple insurers, letting you compare options during shopping. The online quote system is available, but may redirect you to local agents for completion. Agents are knowledgeable about coverage options and discounts, though service quality varies by location.

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    Policy Management

    The Travelers mobile app and website offer standard policy management features: payments, coverage viewing and ID card access. The IntelliDrive usage-based program integrates through the app and delivers meaningful discounts for safe drivers. However, some policy changes require agent involvement, which slows simple updates. Digital tools work well but feel less polished than competitors, and navigation isn't as intuitive as industry leaders.

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    Claims Experience

    Travelers handles claims well, with 24/7 reporting through phone or mobile app. The company's large network of preferred repair shops includes certified facilities for major auto brands. Claims adjusters are professional and thorough, though some customers experience longer processing times for complex claims. Travelers investigates claims carefully, which can delay settlements but often produces fair outcomes.

Travelers Car Insurance Industry Customer Satisfaction Ratings

Travelers has a great NAIC complaint score, but does rank lower than average in most J.D. Power studies. Here are Travelers' scores from industry agencies.

AM Best Financial Strength

A++ (Superior)

A++ to D-
Superior ability to meet financial obligations and pay claims

AM Best Long-Term Credit Standing

AA+

AAA to D

High credit quality
S&P Global Financial Strength

AA

AAA to D
Strong financial security characteristics
Moody's Financial Strength

AA2

AAA to C

Upper-medium grade with low credit risk
J.D. Power Auto Claims Satisfaction

684/1,000

1,000-point scale
Below average (industry average: 697)
J.D. Power Digital Service Experience

698/1,000

1,000-point scale

Slightly below average (average 699)

J.D. Power Auto Insurance Shopping Study

630/1,000 (16th of 18)

Out of 1,000

16th out of 18 companies with a lower than average experience

J.D. Power Overal Customer Satisfaction

621/1,000

Out of 1,000

Below average in all regions studied
NAIC Auto Complaints

0.17

1.00 is average

Much lower complaints than expected

Travelers Car Insurance Reddit and Forum Customer Satisfaction

Travelers customers on Reddit and online forums appreciate the company's solid financial stability, reasonable rates for good drivers and improving digital tools. They also value the IntelliDrive program and bundle discounts. 

Common complaints include inconsistent claim experiences that vary by region, limited agent availability in some areas and steep rate increases for customers with claims or violations.

Here's what real customers are saying about their experiences on forums:

Pricing and Value

Claims Processing

Customer Service

Digital Experience

Trust and Reputation

Coverage Options

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REVIEWS ON FORUMS AREN’T A PERFECT GAUGE

Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.

Travelers Car Insurance Coverage Options

Travelers provides standard coverages like other major insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:

Premier New Car Replacement    

Replaces totaled new car with brand new vehicle of same make and model within first 5 years of ownership    

Includes gap insurance; bundles new car replacement, loan/lease gap, and glass deductible reduction; covers theft and collision
 

Responsible Driver Plan    

Forgives first accident and first minor violation within specified period to prevent rate increases    

Forgives one accident and one minor violation every 3 years; available for purchase upfront; includes teen drivers
 

Gap Insurance

Pays difference between vehicle's actual cash value and outstanding loan/lease balance if totaled    

Essential for financed/leased vehicles; covers theft and collision total loss; helps avoid owing money on totaled car
 

Basic Roadside Assistance    

24/7 towing (up to 15 miles), jump-starts, fuel delivery, tire changes, lockout service    

Basic towing coverage; available nationwide; 24/7 service via phone or online request
 

Limited coverage for drivers participating in rideshare activities like Uber or Lyft    

Covers period when available for hire until accepting ride request; bridges gap between personal and rideshare company insurance
 

Extended Transportation Expenses

Covers rental car, public transportation, or car service costs while your vehicle is being repaired    

No deductible applies; covers non-owned vehicles; includes public transportation options; works with comprehensive/collision claims
 

Glass Deductible Reduction    

Lowers deductible for windshield, window, exterior light, or mirror replacement/repair    

Reduced deductible for glass claims; covers all vehicle glass; often included in Premier New Car Replacement bundle

Other Travelers Insurance Coverage Options to Consider

Here are insurance options beyond auto you can consider for bundles or standalone policies:

Who Offers It?
Insurance Products

Travelers (Directly Offered)

Auto insurance, home insurance, renters insurance, condo insurance, boat insurance, rental property insurance, personal umbrella insurance, valuable personal property insurance, wedding/event insurance, business owner's policy, commercial auto insurance, commercial property insurance, general liability insurance, workers' compensation insurance, commercial umbrella insurance, professional liability insurance, cyber liability insurance, commercial trucking insurance, equipment coverage, employment practices liability insurance, directors and officers insurance

Third-Party Partner

Travel insurance, pet insurance, motorcycle insurance, flood insurance

Travelers Auto Insurance Review: Bottom Line

Travelers is a reliable and reasonably affordable insurance provider with extensive add-on coverage options. It ranks well overall in our study of providers, earning the first overall spot for full coverage and first for minimum coverage. 

Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.

Travelers Car Insurance Reviews: FAQ

Here are MoneyGeek’s expert answers to frequently asked questions about Travelers car insurance:

Does Travelers insurance have a good reputation?

Where is Travelers the best car insurance company?

How much does Travelers car insurance cost on average?

Is Travelers known for denying claims?

Is Travelers a good option for high-risk drivers?

Does Travelers raise car insurance rates over time?

Is Travelers good for young drivers?

How We Rated Travelers Car Insurance

MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.

Standard Driver Profile Used for Analysis

We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:

  • Age: 40 years old, male
  • Vehicle: 2012 Toyota Camry LE
  • Driving history: Clean record
  • Annual mileage: 12,000 miles
  • Credit rating: Good
  • License status: Valid and active
  • Insurance history: Currently covered with no previous claims

We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.

Company Rating System

Our evaluation process weighted three key factors:

  • Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
  • Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
  • Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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