Travelers Auto Insurance Review (2024)
Travelers auto insurance rates are around $99/mo. Travelers auto insurance also has excellent customer service ratings, with an A from the BBB and an A++ from A.M Best. Read our Travelers auto insurance review to learn about the company's customer service, available discounts, and to find affordable coverage.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Mar 12, 2024
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Travelers auto insurance has lower-than-average rates for most drivers, solid financial reviews, and few customer complaints. However, its IntelliDrive program can actually raise rates, and it lacks some add-on coverages. All in all, Travelers is a solid choice for many drivers as it offers affordable auto insurance rates.
If Travelers isn’t the company for you, there are plenty of other auto insurance companies to consider. To find the best car insurance rates in your area, use our free quote comparison tool.
What You Should Know About Travelers Companies, Inc.
Travelers costs around $99 monthly on average for full coverage auto insurance. In addition, Travelers auto insurance has an A from the Better Business Bureau (BBB) and an A++ from A.M. Best, indicating positive customer service and financial ratings.
We’ll cover everything you need to know about the Travelers auto insurance company, such as customer reviews, average cost, and available discounts.
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Travelers Auto Insurance Customer Reviews
Travelers auto insurance carries an A rating from the BBB. However, BBB website customer reviews give the company one out of five stars, which is very low. However, there were only 658 compaints within the last three years. Since Travelers auto insurance has many customers, 658 complaints in three years is low. Disgruntled customers are also more likely to post reviews than satisified customer, which is likely why Travelers has poor BBB customer reviews.
In addition, the National Association of Insurance Commissioners gave Travelers a complaint score below one, meaning Travelers gets fewer-than-average complaints.
While some customers express dissatisfaction with customer service in their reviews, this is relatively normal for insurance companies. Overall, Travelers has low complaint scores, suggesting decent customer service and auto insurance claims handling.
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Travelers Companies, Inc. Insurance Coverage Options
All insurance companies offer the liability auto insurance coverages required in each state, but not all offer the add-on coverages customers desire, such as Travelers auto insurance roadside assistance or gap coverage.
In addition to liability, collision auto insurance, and comprehensive auto insurance, Travelers offers the following coverages:
- Accident forgiveness auto insurance
- Gap insurance
- Non-owner auto insurance
- New car replacement auto insurance
- Rental auto insurance coverage
- Rideshare auto insurance
- Roadside assistance
- Uninsured/underinsured motorist coverage
The noticeable coverages missing are classic car insurance, modified car insurance, and SR-22 auto insurance. So if you’ve made expensive vehicle modifications, own a classic car, or need high-risk auto insurance, you should look elsewhere for coverage.
How to Get Travelers Auto Insurance Coverage
It’s best to get a quote from Travelers auto insurance to see how much you’ll pay before committing to a policy or signing up for coverage. Then, once you’re committed to the company, buying a Travelers auto insurance policy is easy.
You can purchase auto insurance with Travelers through its website, by calling the Travelers insurance phone number, or contacting a local agent. You can cancel Travelers auto insurance online or by calling an agent.
Ensure your Travelers auto insurance policy starts before your old policy ends to avoid a coverage lapse. Driving without auto insurance is illegal and can raise your rates, even if you go without coverage for just a few days.
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Travelers Companies, Inc. Insurance Rates Breakdown
Auto insurance rates are one of the most important things to consider when researching a company. Choosing a car insurance company with reasonable rates can save you hundreds of dollars every year.
For an in-depth profile of Travelers auto insurance rates, let’s look at rates by various factors such as state, age, and more.
Travelers Auto Insurance Rates by State
Like all auto insurance companies, Travelers auto insurance rates by state vary. Insurers also consider local factors like crime, weather, crash statistics, and more when setting rates.
Here’s a look at the average full coverage auto insurance rates across the United States:
Look at which states have the cheapest and most expensive auto insurance rates below:
Travelers Auto Insurance Average Full Coverage Rates by State
| State | Travelers Rates |
|---|---|
| AK | $93 |
| AL | $79 |
| AR | $111 |
| AZ | $104 |
| CA | $122 |
| CO | $114 |
| CT | $83 |
| DC | $102 |
| DE | $82 |
| FL | $166 |
| GA | $110 |
| HI | $72 |
| IA | $92 |
| ID | $57 |
| IL | $87 |
| IN | $69 |
| KS | $87 |
| KY | $139 |
| LA | $156 |
| MA | $88 |
| MD | $103 |
| ME | $61 |
| MI | $183 |
| MN | $94 |
| MO | $114 |
| MS | $88 |
| MT | $111 |
| NC | $99 |
| ND | $88 |
| NE | $102 |
| NH | $69 |
| NJ | $136 |
| NM | $91 |
| NV | $91 |
| NY | $175 |
| OH | $63 |
| OK | $105 |
| OR | $97 |
| PA | $75 |
| RI | $103 |
| SC | $105 |
| SD | $97 |
| TN | $88 |
| TX | $101 |
| UT | $88 |
| VA | $73 |
| VT | $75 |
| WA | $81 |
| WI | $72 |
| WV | $102 |
| WY | $98 |
Michigan and New York are some of the most expensive states to purchase Travelers’ insurance. A few of the cheapest states include Ohio and Idaho. Read our guide to find cheap auto insurance in Idaho.
Travelers Auto Insurance Rates by Age and Gender
Average auto insurance rates by age and gender vary greatly. Look at Traveler auto insurance rates by age and gender below to see how they compare to the national average:
Travelers Auto Insurance Full Coverage Rates by Age and Gender from the Top Companies
| Age and Gender | Travelers | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Allstate | National Average |
|---|---|---|---|---|---|---|---|---|---|---|
| 16-Year-Old Male w/a Clean Record | $910 | $509 | $773 | $312 | $785 | $476 | $814 | $349 | $638 | $618 |
| 16-Year-Old Female w/a Clean Record | $719 | $414 | $810 | $298 | $723 | $411 | $801 | $311 | $608 | $566 |
| 25-Year-Old Male w/a Clean Record | $116 | $147 | $180 | $93 | $215 | $150 | $146 | $111 | $190 | $150 |
| 25-Year-Old Female w/a Clean Record | $107 | $124 | $172 | $97 | $187 | $136 | $141 | $101 | $181 | $138 |
| 30-Year-Old Male w/a Clean Record | $108 | $137 | $167 | $87 | $200 | $136 | $136 | $103 | $176 | $139 |
| 30-Year-Old Female w/a Clean Record | $99 | $116 | $160 | $90 | $174 | $124 | $131 | $94 | $168 | $128 |
| 45-Year-Old Male w/a Clean Record | $99 | $117 | $139 | $80 | $174 | $115 | $105 | $86 | $160 | $119 |
| 45-Year-Old Female w/a Clean Record | $98 | $115 | $139 | $80 | $171 | $113 | $112 | $86 | $162 | $119 |
| 45-Year-Old Male w/a DUI | $206 | $194 | $193 | $216 | $313 | $237 | $140 | $112 | $270 | $209 |
| 45-Year-Old Female w/a DUI | $204 | $192 | $193 | $220 | $309 | $234 | $148 | $112 | $272 | $209 |
| 45-Year-Old Male w/an Accident | $139 | $176 | $198 | $132 | $234 | $161 | $186 | $102 | $225 | $173 |
| 45-Year-Old Female w/an Accident | $138 | $174 | $198 | $134 | $231 | $159 | $196 | $102 | $228 | $173 |
| 45-Year-Old Male w/a Ticket | $134 | $136 | $173 | $106 | $212 | $137 | $140 | $96 | $188 | $147 |
| 45-Year-Old Female w/a Ticket | $133 | $135 | $173 | $105 | $208 | $135 | $148 | $96 | $190 | $147 |
| 55-Year-Old Male w/a Clean Record | $94 | $111 | $131 | $76 | $165 | $109 | $100 | $82 | $152 | $113 |
| 55-Year-Old Female w/a Clean Record | $93 | $109 | $132 | $76 | $162 | $107 | $106 | $82 | $153 | $113 |
| 60-Year-Old Male w/a Clean Record | $90 | $105 | $128 | $74 | $159 | $104 | $95 | $76 | $154 | $110 |
| 60-Year-Old Female w/a Clean Record | $89 | $104 | $120 | $73 | $148 | $99 | $92 | $76 | $150 | $106 |
Teenagers see the highest car insurance rates with Travelers, even if they have clean records.
Once drivers hit age 25, rates start to decrease significantly by thousands of dollars, and Travelers’ rates drop below the national average. Travelers’ rates remain below the national average even if adult and senior drivers have a ticket, accident, or DUI on their record.
However, Travelers does increase rates slightly for senior drivers once they turn 65, even if a senior driver has a clean driving record.
In addition, for drivers under 25, Travelers isn’t the cheapest. If you’re under 25, read our guide to auto insurance for drivers under 25 to see which companies are best.
Travelers Auto Insurance Rates by Driving Record
Your driving record has a significant impact on your car insurance rates. Traffic tickets, at-fault accidents, poor credit scores, and DUIs will raise your rates at Travelers. The table below shows how much rates can increase at Travelers based on your driving record:
A DUI tends to raise auto insurance rates the most, as it’s a serious driving offense. Most companies will raise rates significantly for a DUI, not just Travelers, but Travelers does raise rates above the national average. However, Travelers’ rate increases are slightly below the national average for at-fault accidents and tickets, which is good for drivers with a less-than-perfect record.
Travelers Auto Insurance Rates by Coverage Type
Your rates also depend on the type of auto insurance coverage you purchase with Travelers. While we always recommend carrying a full coverage policy, some drivers may skip on coverages to save.
At Travelers, rates for different types of auto insurance include the following:
Travelers Auto Insurance Average Rates for Minimum and Full Coverage
| Insurance Company | Minimum Coverage Rates | Full Coverage Rates |
|---|---|---|
| Travelers | $37 | $99 |
| Average | $45 | $119 |
A full coverage policy usually costs a few hundred dollars more a year, but if you get into an accident, the higher coverage level can save you from expensive repair bills.
Travelers Companies, Inc. Discounts Available
Travelers auto insurance discounts can reduce rates significantly. For example, Travelers offers the following auto insurancediscounts to customers:
- Affinity discount: Travelers offers discounts for employees and members of certain groups or businesses.
- Continuous insurance discount: Travelers customers who don’t have coverage gaps can earn a small discount.
- Driver training discount: You must complete a driver training course approved by Travelers to earn the driver’s ed auto insurance discount.
- Early quote discount: You can earn a small discount for signing up with Travelers before your existing insurance policy expires. This discount is unavailable in California. It’s still fairly simple to find cheap auto insurance in California even without this program.
- Electronic funds transfer, pay in full, and good payer discounts: These discounts are for policyholders who pay on time, pay in full, or set up automatic payments, but they’re also unavailable in California.
- Good student discount: College or high school students with a “B” average can get a good student auto insurance discount with Travelers.
- Homeownership discount: You can earn a small discount if you’re a homeowner.
- Hybrid/electric car discount: Travelers offers a small discount for environmentally friendly cars.
- Travelers IntelliDrive: You can save up to 30% on your insurance policy by downloading the Travelers IntelliDrive app. This program is unavailable in California.
- Multi-car discount: To qualify for the multi-car discount, you need to have two or more vehicles insured through Travelers auto insurance. This discount is unavailable in California.
- Multi-policy discount: You can save up to 13% if you purchase more than one policy from Travelers.
- New car discount: Your vehicle must be less than three years old to qualify for the discount. This Travelers car insurance discount isn’t available in California. Read more about how to get a new car auto insurance discount.
- Safe driver discount: You can’t have any accidents, traffic violations, or major comprehensive claims within the last three to five years. This Travelers auto insurance discount is also unavailable in California.
- Student away discount: You can qualify for a student away auto insurance discount with Travelers if your child goes to a school 100 miles or more from your home and they aren’t driving cars on your policy at home.
Your savings amount depends on the car insurance discount. However, Travelers auto insurance discounts related to safe driving tend to save drivers the most on their policies.
Travelers Insurance IntelliDrive program can help drivers save🤑, but if your driving habits don't meet their standards🫤, this monitoring program could cost you big time. https://t.co/27f1xf1ARb has put together a review of Travelers. Check it out here👉: https://t.co/EMT5l53yQd pic.twitter.com/CecLzfPDFQ
— AutoInsurance.org (@AutoInsurance) July 30, 2023
For example, the Travelers IntelliDrive program could save you 30% on your auto insurance, but you must exhibit safe driving habits to maximize your savings.
How Travelers Companies, Inc. Ranks Among Providers
Travelers auto insurance rates are slightly lower than the national average, but this doesn’t necessarily mean it’s the cheapest car insurance company. Look at the table below to see how Travelers auto insurance rates compare to the national average and other companies:
Auto Insurance Monthly Rates by Coverage Level and Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| American Family | $44 | $117 |
| Farmers | $53 | $139 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| U.S. Average | $45 | $119 |
Other companies are cheaper on average than Travelers. However, a company can sometimes be cheaper for different types of drivers or in different locations.
Enter your ZIP code into the free comparison tool above to find the cheapest Travelers auto insurance quotes.
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Frequently Asked Questions
Where can I get Travelers car insurance?
You can purchase Travelers auto insurance by signing up through its website, calling Travelers, or speaking to a local Travelers agent.
How do I contact Travelers?
You can reach Travelers auto insurance customer service any of the following ways:
- Customer service phone number: 1-800-842-5075
- Customer service email address: https://www.travelers.com/contact-us/email
- Personal insurance address: P.O. Box 660307, Dallas, TX 75266-0307
- Quote service number: 1-866-577-4978
- Travelers’ website: https://www.travelers.com/
Travelers also has social media accounts on Facebook, YouTube, Twitter, and Instagram.
Does Travelers offer SR-22s?
Unfortunately, Travelers doesn’t offer special high-risk auto insurance for drivers who need SR-22 insurance coverage. Some of the drivers who might need SR-22 insurance are drivers with multiple DUIs, drivers caught driving with a suspended license, and drivers with other serious infractions.
Is Travelers insurance and Geico the same company?
No, Travelers and Geico auto insurance are not the same company. Shareholders own Travelers auto insurance, while Berkshire Hathaway owns Geico. However, both auto insurance companies do some business together.
Is Travelers a reputable company?
Since Travelers auto insurance has strong financial ratings, it shouldn’t struggle to pay out claims to customers who file a claim. However, as with any company, Travelers auto insurance customer service reviews are mixed.
Generally, though, if you have a justifiable claim and the proper coverage, there shouldn’t be a problem with your Travelers auto insurance claim.
How can I purchase Travelers auto insurance?
You can purchase a Travelers auto insurance policy by contacting a licensed insurance agent through Travelers auto insurance or through a local independent insurance agency.
What factors can affect the cost of Travelers auto insurance?
Several factors influence the cost of Travelers auto insurance, such as driving record, age, location, vehicle type, coverage limits, auto insurance deductible amount, and any additional policy features or discounts.
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