Travelers Auto Insurance Review: Quotes and Service (2022)

Travelers is a top-rated car insurer with a MoneyGeek score of 82 out of 100. For complaints, financial stability and discounts, Travelers is excellent. However, it has an average satisfaction rating and is below-average for affordability. Travelers is neither cheap nor expensive for full and minimum coverage, as a teen or with a driving violation, and offers a hybrid discount.

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Last Updated: 3/2/2022
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This is an iconUnique discounts include new vehicle, loyalty, homeowners, and hybrid vehicle
This is an iconAdd-on coverages such as roadside assistance, accident forgiveness, new car replacement and gap insurance
This is an iconAvailable in 31 states


This is an iconNo deductible modification or better car replacement coverage
This is an iconRideshare insurance only available in Colorado and Illinois


Travelers has an average satisfaction reputation, but is excellent for complaints, meaning it receives significantly few customer complaints. For car insurance, Travelers is neither cheap nor expensive: MoneyGeek found it is moderately-priced for full or minimum coverage and when a young driver or with a speeding ticket.

To discover more about Travelers and other auto insurers, check out MoneyGeek's resources on the cheapest and best auto insurance providers. MoneyGeek’s comparison tool is also a good place to start if you want to see how Travelers compares to other insurers.

How Does Travelers Rank for Customer Service?

Travelers car insurance has been rated by various companies, including AM Best, J.D. Power and the National Association of Insurance Commissioners. The company posts stellar financial stability and customer satisfaction scores. For drivers looking for an insurer with high credibility, Travelers may be the best car insurance company for their needs.

Customer Satisfaction Rating

First Notice of Loss:
Estimation of Process:
Repair Process:
Claims Servicing:
Rental Experience:

According to data provided by J.D. Power, Travelers has a customer satisfaction rating of 865 out of 1,000 points. Considering that the industry average is 835 points, Travelers' reputation in this area is above that of a typical insurer. J.D. Power's data also informed these star ratings, giving you a peek at how the company performs in some more specific categories.

Customer Complaint Ratio


The National Association of Insurance Commissioners (NAIC) rates car insurance companies’ customer service based on the number of public complaints they receive. The NAIC calculates each company’s customer complaint ratio by measuring the number of complaints against the national median of 1.00. Travelers auto insurance has a score of 0.44, meaning that it receives significantly fewer customer complaints than the average auto insurance company.

Travelers Auto Insurance Quotes: How Much Does it Cost?

MoneyGeek gathered quote data for sample drivers from every state, including the states where Travelers is selling auto insurance. The data collected in the 31 states where Travelers does business determined Travelers is neither cheap nor expensive, costing an average of $1,525 per year.

Travelers is neither cheap nor expensive for all of MoneyGeek’s core sample drivers. That means you can get moderately-priced insurance through Travelers for full coverage or minimum coverage, as a young driver, or if you have a speeding ticket.

MoneyGeek recommends that you compare quotes from several providers when looking for the cheapest auto insurance in your state. Keep in mind that pricing shouldn’t be the only thing you consider when shopping for an insurer — consider other criteria such as financial stability, discounts, complaint record and more.

Average Annual Cost of Car Insurance with Travelers versus National Average

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  • Driver Type
    Travelers Average Rate
    National Average
  • Full Coverage
  • Minimum Coverage
  • Speeding Ticket on Record
  • 18-Year-Old Driver

Is Travelers Car Insurance Expensive or Cheap? Why?

Travelers car insurance is neither cheap nor expensive for full coverage, minimum coverage, when you’re a young or inexperienced driver, or with a traffic violation.

Insurance companies are not transparent about how they calculate premiums and what makes one driver pay more than another. But, a poor driving record or credit score and years licensed, among other factors, can influence rates. Travelers appears to take a fair approach, not heavily weighing any factor against another, resulting in moderate rates for all drivers.


Discounts Offered by Travelers That Can Help You Save

Although Travelers is moderately-priced, discounts can help make an auto policy with Travelers cheaper for any type of driver. Like many companies, Travelers offers car insurance discounts such as bundling, multiple car, good student, safe driving and paperless. But it is missing several of the most common discounts, such as anti-theft system, pay-in-full, defensive driving and airbag.

On a positive note, Travelers provides numerous unique discounts that many of its competitors do not, such as new vehicle, loyalty and homeowners. Hybrid car drivers may also qualify for the alternative energy discount.

Compare Travelers Directly With Other Car Insurance Companies

MoneyGeek has resources to help you compare Travelers to other auto insurance carriers in your state. If you want to see how Travelers stacks up against the competition — on price, coverage options and more — you can use our comparison tool to find out. In addition, the tool can direct you to additional resources that provide more information about Travelers and the other insurance companies.

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Does Travelers Offer Broad or Unique Coverage?

Travelers, like other insurers, offers liability insurance, comprehensive and collision insurance. Many of the most common auto insurance add-on coverages are available through Travelers, such as roadside assistance, accident forgiveness, new car replacement, gap insurance and rental car and/or travel reimbursement. However, it does not offer deductible modification or better car replacement, even though many insurers do.

As for unique coverages, Travelers does not offer any that could distinguish it from competitors.

What Online Auto Insurance Tools Does Travelers Offer?

When shopping around for car insurance, you may want to note the online features and tools that each insurer provides. Travelers car insurance offers a standard selection of online features, including price quotes, insurance rate calculators, financial advice resources and online bill pay.

  • Type of Feature
  • Calculators
    Insurance rate calculator available.
  • Online Price Quotes
    You can get an estimate of your insurance premium or retrieve an existing quote through the website or by calling the Travelers toll free number.
  • Online Bill Pay
    Pay your bills online through the MyTravelers portal.
  • Online Claims
    The online claims center allows you to report claims and check status.
  • Mobile App
    The MyTravelers mobile app hasn’t been introduced yet. Once launched, it will allow customers to download their insurance cards, pay bills and initiate claims.

Other Travelers Insurance Products

In addition to car insurance, Travelers car insurance sells many other popular insurance products such as home, condo, umbrella and travel insurance. Bundling these policies with your auto insurance can help you save up to 15% on your premiums. Travelers actually ranks fourth for the best and cheapest home and auto bundles based on our analysis.

  • Type of Product
  • Homeowners Insurance
    Travelers homeowners insurance protects your home and belongings. You can save on this insurance if you have fire safety or security devices installed in your home.
  • Renters Insurance
    Protects policyholders from personal injury and also safeguards their belongings if they live in rental property.
  • Umbrella Insurance
    Provides additional coverage that protects you and your assets from unexpected events. It also covers lawsuit charges.
  • Condo Insurance
    Condo insurance from Travelers covers property damage. It also includes personal liability coverage that covers individuals who get hurt while visiting.
  • Rideshare Insurance
    Protects policyholders who drive for transportation companies like Uber and Lyft. Only available in Illinois and Colorado.

Financial Strength

AM Best rates the financial strength of insurance providers to determine if they can meet their customers' needs. Travelers auto insurance company receives the highest rating of A++, which means that it can meet its financial obligations more effectively than most of its competitors. Rankings from AM Best indicate insurer creditworthiness but should not serve as a warranty when purchasing insurance policies from any company.


How to Make a Car Insurance Claim With Travelers

You can file a claim and check the status of an existing claim through the company’s online claim center. You can also report a claim by calling the Travelers toll-free number.

Contact Travelers Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.