Travelers Insurance Review
- With an overall score of 4.0/5 in 2024, Travelers is a reliable insurance company
- Read more about Travelers's reviews, complaints and prices before you buy
Travelers insurance: ratings and reviews
Travelers is known for writing the very first automobile insurance policy in the United States, among other industry firsts. The insurance company got its start in 1864, originally providing travel insurance to railroad passengers. Today, customers can expect auto policies as well as a number of other coverage types that can suit a variety of needs.
Explore our Travelers car insurance review to find out more about coverage options, features and discounts to help you evaluate if it's the right company for you.
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Good variety of discount opportunities
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Cheaper price point than most competitors
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Strong financial strength
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Below average marks for claims and customer satisfaction
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Higher than average number of customer complaints
Is Travelers a good insurance company?
The majority of The Zebra's review incorporates how well Travelers scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Claims Satisfaction: Below average
- Travelers earned Below average marks in J.D. Power's most recent auto claims satisfaction study[1]
Customer Satisfaction:Â Below average
- J.D. Power also rated Travelers as Below average in overall auto customer satisfaction[2]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Travelers[3]
Financial Strength: Superior
- Travelers received a Superior financial strength rating from A.M. Best for its ability to pay out claims[4]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, Travelers scored 8.62/10 overall, putting the company in 9th place.
Travelers vs. other top insurance companies
How much does Travelers insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Travelers is about $671 or roughly 24% cheaper than a typical policy. Travelers is one of the cheaper auto insurance options available, although it is worth mentioning that they are also one of the cheaper companies for home insurance.Â
The table below shows how Travelers auto insurance compares against other top insurers.Â
| Company | Avg. Monthly Premium |
|---|---|
| Travelers | $112 |
| State Farm | $131 |
| Progressive | $157 |
| Nationwide | $123 |
| GEICO | $129 |
| Farmers | $149 |
| Allstate | $201 |
Similar to any insurance company, pricing for Travelers auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Travelers's car insurance premiums for different age brackets.
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $325 |
| 20s | $141 |
| 30s | $108 |
| 40s | $101 |
| 60s | $97 |
| 50s | $96 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
You should always look into policy discounts offered by most insurance providers when you're looking for a new car insurance policy. Along with some standard discounts — like multi-policy/bundling, multi-car and safe driver discounts — Travelers offers policyholders some additional ways to save on their monthly premium.
- Continuous insurance: Drivers with no gaps in insurance coverage can qualify for this discount.
- New car:Â This discount applies if you purchase and insure a newer vehicle that's less than three years old.
- Hybrid/electric vehicle:Â Policyholders can save on their car insurance rates if they own or lease a hybrid or electric car.
- Homeownership:Â If you're a homeowner, you may be eligible for up to a discount on your car insurance even if your condo or homeowners insurance isn't through Travelers.
- Good student: Travelers offers a student discount if you meet the company's academic requirements by maintaining a "B" average or better.
In addition to what's listed above, Travelers offers other driver-based discounts including driver training and affinity programs, as well as some quote-specific discounts like EFT, pay-in-full and early quotes. View all of Travelers's discounts here.
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What types of coverage does Travelers offer?
Travelers is competitive with other big-name insurance companies, offering standard collision, comprehensive and liability coverage — along with personal injury protection (PIP), uninsured and underinsured motorist and medical payments coverage.
Let's review some of the additional features and insurance options that may come in handy in the future, and can be added to a Travelers auto insurance policy.
- Accident forgiveness: This option prevents your premium from increasing by forgiving one accident within a specified time period.
- Loan/lease gap insurance: If your leased or financed car is totaled, this coverage pays the difference between the actual cash value of the car and its unpaid balance.
- New car replacement: This coverage pays to replace your car of the same make and model if your new vehicle is totaled within the first five years.
- Roadside assistance: If you run into unexpected car trouble while on the road, you'll have this option available to help you out in a bind.
- Rental coverage: This will pay for a rental car if your car is out of commission from a covered accident.
Read more about Travelers's coverages here.
Travelers IntelliDrive
Available in most states, IntelliDrive is Travelers's telematics program: an app that tracks and evaluates your driving habits for 90 days. You can enjoy an introductory discount just for enrolling. Once the program is over, you can save up to 30% if the program determines that you're a safe driver.
However, keep in mind that discounts may depend on the state you reside in. Also, if the program deems you to be a risky driver, you might actually see your premium increase.
Travelers insurance review: Summary
Travelers has been a prominent player in the insurance industry for well over a century and offers an impressive variety of coverage options at a low price point. However, it's also worth noting that the company may not offer the best experience for claims and customer satisfaction. All in all, The Zebra still considers Travelers to be a solid, affordable option for car insurance.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Travelers insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.