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.
Travelers Car Insurance Review
Travelers is the second-best car insurance company in the nation, excelling in affordability and customer experience to deliver exceptional value.
Discover if you're overpaying for car insurance below.

Updated: September 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers ranks third for full coverage affordability and fourth for minimum liability coverage, with average rates of $97 and $50 monthly, respectively.
Travelers earns third place nationwide for overall customer satisfaction due to its strong agent service and positive forum reviews from policyholders.
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
Overall Score | 4.50 | 2 |
Customer Experience | 4.67 | 3 |
Coverage | 4.09 | 4 |
Affordability | 4.49 | 3 |
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.
Overall Score | 4.56 | 1 |
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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.
Alabama | 4.54 | 2 |
Arizona | 4.79 | 1 |
Arkansas | 4.79 | 1 |
California | 3.81 | 9 |
Delaware | 4.89 | 1 |
Florida | 4.89 | 1 |
Idaho | 4.30 | 4 |
Illinois | 4.50 | 3 |
Indiana | 4.60 | 1 |
Iowa | 4.77 | 1 |
Kansas | 4.72 | 1 |
Kentucky | 4.77 | 1 |
Maine | 4.78 | 1 |
Maryland | 4.55 | 1 |
Massachusetts | 3.72 | 10 |
Michigan | 4.75 | 1 |
Minnesota | 4.49 | 2 |
Mississippi | 4.69 | 1 |
Missouri | 4.83 | 2 |
Nevada | 4.87 | 1 |
New Jersey | 4.46 | 5 |
New York | 4.07 | 7 |
Ohio | 3.74 | 8 |
Oregon | 4.87 | 2 |
Pennsylvania | 4.83 | 2 |
Rhode Island | 4.63 | 2 |
South Carolina | 4.46 | 2 |
Tennessee | 4.74 | 2 |
Virginia | 4.77 | 2 |
Washington | 4.53 | 4 |
Wisconsin | 4.70 | 1 |
*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.
$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 | $189 | 23% | 10 |
Delaware | $48 | $78 | -56% | 1 |
Florida | $52 | $112 | -52% | 1 |
Idaho | $38 | $86 | 7% | 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 | $156 | 57% | 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 | $185 | 61% | 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 | $109 | 2% | 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.
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.
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.
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
Competitive rates for clean driving records, but increases can be significant after claims or violations:
"Travelers gave me great rates when I had a clean record, but after one at-fault accident, my premium jumped 40%. I understand increases happen, but that seemed excessive for a single incident."
Claims Processing
Mixed claim experiences with significant variation by location and claim complexity:
"My collision claim with Travelers went smoothly: quick adjuster response, fair settlement and they worked directly with the body shop. No complaints about the process or timeline."
"Had a nightmare experience with my homeowner's claim. Three different adjusters, constant delays and they initially denied coverage that should have been obvious. Eventually got paid, but it took months of fighting."
Customer Service
Service quality varies widely, with some customers receiving excellent support while others struggle to get help:
"Travelers customer service has been great for me. Quick responses, knowledgeable reps and they actually follow up to make sure issues are resolved. Can't complain about the service."
Digital Experience
The Travelers mobile app receives solid ratings with 4.7 out of 5 on the Apple App Store and 2.6 out of 5 on Google Play. The app offers good functionality with useful features:
"Travelers app works well for most things I need: paying bills, viewing coverage, filing simple claims. The IntelliDrive tracking through the app is actually pretty cool and has saved me money."
Trust and Reputation
Solid brand recognition with customers appreciating financial stability, though some question recent changes:
"Travelers is a well-established company with good financial ratings, which gives me confidence they'll pay claims when needed. The red umbrella logo has been around forever for good reason."
Coverage Options
Standard coverage options available with some useful add-ons, though not as comprehensive as some competitors:
"Travelers offers the basics plus some nice extras like identity theft protection. Coverage options are solid without being overwhelming, and they explain things clearly."
"Wish Travelers had more discount options like some other companies. The IntelliDrive program is good if you're a safe driver, but they could offer more ways to save for different situations."
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?
Yes, Travelers is a legitimate car insurance company that ranks second in our comprehensive car insurance provider analysis. The company excels in affordability and customer experience, ranking among the top performers nationwide.
Where is Travelers the best car insurance company?
Travelers is the best car insurance company in 14 out of 51 states and territories, including:
- Mississippi
- Florida
- Delaware
- Nevada
- Arkansas
- Iowa
- Indiana
- Michigan
- Wisconsin
- Kentucky
- Arizona
- Maryland
- Maine
- Kansas
How much does Travelers car insurance cost on average?
Travelers charges adults an average of $609 annually for minimum coverage and $1,171 for full coverage. Annual premiums range from $554 to $6,100 for minimum and $1,086 to $11,636 for full coverage.
Is Travelers known for denying claims?
Customer feedback suggests Travelers faces criticism for its claim denial practices. Policyholders report rejections based on technicalities and prolonged processing delays.
Some customers describe frustrating experiences where legitimate claims were disputed or denied for unreasonable reasons, including property damage and auto accident claims that required extensive documentation or legal intervention to resolve.
However, individual experiences vary, and these reports represent a limited perspective of the company's overall claims handling performance across all customers.
Note: This represents limited information based primarily on forum reviews.
Is Travelers a good option for high-risk drivers?
Travelers offers competitive rates for most high-risk drivers, ranking second overall for drivers with DUI and accident history, plus third for speeding violations.
Does Travelers raise car insurance rates over time?
Yes, Travelers raises rates over time due to inflation driving up repair and medical costs, plus increased claims from distracted driving and severe weather. It also adjusts pricing based on area risk changes, state regulations and personal factors like credit score shifts.
Is Travelers good for young drivers?
Travelers maintains competitive rates over time. It isn't the best choice for young drivers, ranking third for overall affordability despite offering rates below the national average.
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, 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.
sources
- Apple App Store. "Travelers Ratings and Reviews." Accessed September 19, 2025.
- Google Play. "Travelers - Apps on Google Play." Accessed September 19, 2025.