Travelers is a leading auto insurance provider known for offering comprehensive coverage and competitive pricing. As one of the largest U.S. insurers with a 165+ year history, Travelers has built a solid reputation for stability and customer satisfaction. Travelers has been insuring vehicles and homes since 1853, so its stability is backed by a long history. (The red umbrella logo is one of the oldest in American insurance.) Travelers holds an A++ (Superior) financial strength rating from AM Best, assuring policyholders that it can pay claims even after major catastrophes. In fact, Travelers also offers home, renters, condo, and business insurance, meaning you can often bundle multiple lines with them for extra savings (bundling auto and home could save you 10% or more). Our goal is to cut through the jargon and help you decide if Travelers fits your needs. Below, we provide real examples, quotes, and customer feedback so you know exactly what to expect.
In this article, we’ll explore why Travelers car insurance might be a smart choice for drivers. We’ll cover essential topics like coverage options, discounts, rates, customer reviews, and how to get quotes. We’ll also include Travelers car insurance reviews from experts and customers, along with key statistics, to give you a complete picture of their service and value.
Why Choose Travelers Insurance?
Travelers consistently ranks well for budget-conscious shoppers thanks to its affordable rates and generous discounts. The Zebra’s 2025 analysis highlights Travelers’ low cost, noting a six-month premium of just $737. In fact, Travelers is often cited as one of the cheapest large auto insurers for full coverage. Experts note that Travelers combines low premiums with an A++ financial strength rating (the highest possible), meaning it has the financial resources to pay claims even in a disaster. For those wondering how Travelers stacks up, independent rating agencies and consumer websites usually score Travelers highly on value. It often earns 4/5 stars for price and coverage. However, drivers should still compare quotes annually, since companies change rates each year. Policyholders in their 40s often pay under $1,000 per year with Travelers, while adding a teenage driver could push that over $1,500. The multiple discounts listed above can cut hundreds off that, though. For example, a safe-driving 45-year-old family might see $2,000 per year in premiums; adding a good-student and driver-ed discount for a teen could reduce that by $200–$400.
- Competitive Rates: The national average 6-month premium is about $1,084, but Travelers customers pay roughly $737 for the same coverage. This rate advantage reflects Travelers’ large size and efficient risk management.
- Financial Strength (A++): An AM Best A++ rating confirms Travelers’ ability to meet its obligations. This high rating reassures policyholders that claims will be paid even after major disasters.
- High Satisfaction Scores: Over 86% of surveyed customers recommend Travelers. Customers praise Travelers’ service in reviews; one user says staff are “amazing” and claims are “easy to file and resolve”.
- Customer Support: Travelers offers multiple support channels (phone, online, mobile app, and local agents), so help is always available.
- Technology & Convenience: Travelers provides a full-featured mobile app and online portal. Policyholders can easily pay bills, access their ID cards, and even file claims on-the-go, adding convenience for tech-savvy drivers.
- Experience and Reputation: With over a century in the industry, Travelers is a trusted brand. Its longevity and nationwide agent network (field offices in every state) make it easy to find local support.
- Industry Ratings: Bankrate’s 2025 auto insurance review gives Travelers a 4.1/5 and calls it a competitive auto insurer. J.D. Power’s 2024 claims survey placed Travelers at 684 (slightly below the 697 industry average), indicating room for improvement on claims. Nonetheless, Travelers’ complaint index is well below average, suggesting relatively smooth customer experiences.
- Pros & Cons: Travelers strikes a middle ground – not the absolute cheapest nor the most expensive. It’s especially appealing if you value an established brand and comprehensive discounts. Always compare with carriers like GEICO or State Farm, especially if you prioritize the lowest price.
Overall, Travelers combines affordable prices with a strong service reputation and financial backing. For value-oriented drivers, that makes it a very competitive choice. (It’s still wise to get multiple quotes each year, but Travelers should be on your shortlist if their features align with your needs.)
Coverage Options
Travelers coverage is highly customizable. Standard plans include liability, collision, and comprehensive coverage. Beyond the basics, Travelers provides additional protections like:
- Uninsured/Underinsured Motorist (UM/UIM): Covers costs if you’re hit by a driver with little or no insurance.
- Personal Injury Protection (PIP) / Medical Payments: Pays medical expenses for you and passengers after an accident. (PIP is required in some states but optional in others; Travelers will adjust coverages to meet your state’s laws.)
- Roadside Assistance: Optional add-on for towing, lock-out service, and more if your vehicle breaks down.
- Rental Reimbursement: Helps pay for a rental car if your vehicle is damaged and needs repairs.
- Loan/Lease Payoff (Gap Insurance): Covers the difference if your car is totaled and you still owe more than its value. This is helpful if you have a new car loan or lease.
- Limited Rideshare Coverage: Travelers offers an optional ridesharing endorsement in many states, extending liability coverage while you’re driving for ride-sharing services.
- Accident Forgiveness: A feature of Travelers’ Responsible Driver Plan that forgives one at-fault accident after a specified period, so your premium won’t jump.
- New Car Replacement: If a new car is totaled within its first few years, Travelers will reimburse you for a new equivalent vehicle.
- Named Non-Owner Insurance: For drivers without their own car (e.g., company car or rental drivers), Travelers offers liability coverage.
- Additional Coverages: You can add GAP extensions for RVs/trailers, classic car agreed-value, or coverage for special equipment. Travelers agents can walk you through all the options.
Drivers choose these basics based on their needs and state laws. For example, if you have an older car that’s paid off, you might drop collision or comp coverage to save money. But if your car is financed, you’ll likely want both. Travelers makes it easy to adjust your deductibles (e.g., $500 vs. $1,000). For loans/leases: If your car is totaled, liability won’t cover the leftover loan balance, so Travelers offers gap (loan/lease payoff) coverage. Coverage Note: specific requirements vary by state—for example, personal injury protection (PIP) is mandatory in some states and optional elsewhere, and Travelers will adapt coverages to meet your state’s laws. You can build a policy with only the coverages you want, adding extras for maximum protection.
Rates & Quotes
Travelers car insurance rates are often below the national average, making it an affordable choice for many drivers. For example, the company’s six-month full-coverage premium averaged $737, significantly less than the national mean. In practice, drivers with similar profiles often pay hundreds less per year with Travelers compared to other major insurers.
For context, The Zebra’s data shows that for a 30-year-old man, Travelers’ six-month rate was $609 (versus $690 at Nationwide and $839 at Progressive). Similarly, a 45-year-old female driver’s Travelers quote was $604, far below Nationwide’s $773. Average Costs: a typical 6-month Travelers policy is around $737. Of course, actual premiums depend on age, location, driving record, and coverage level.
Insurance quotes vary by individual factors like mileage, credit score (in most states), and driving record. Travelers, like other insurers, uses factors such as ZIP code and vehicle type to calculate your quote. High-risk factors (DUI, poor driving record) raise rates, while safe driving and low usage lower them. To get your personalized price, request a Travelers car insurance quote online or through an agent. Travelers’ website provides a quick quote tool, and many comparison sites include Travelers so you can see Travelers car insurance quotes alongside others. It’s wise to compare multiple quotes to ensure you’re getting the best deal.
Average costs for 6 months: Around $737, as noted. Remember, to save money:
- Bundle Policies: Combining auto with home/renters in one Travelers policy yields an extra discount.
- Higher Deductible: Choosing a $500 vs. $200 deductible can cut your premium by ~5–10%.
- Good Credit: (Where allowed) Better credit scores often earn lower premiums at Travelers.
- Safe History: A clean record quickly restores a safe-driver discount.
- Annual Review: Rates change yearly; shop at renewal time to catch any new discounts or competitor deals.
Discounts & Savings
Image: Yellow toy car with stacks of coins, illustrating car insurance savings.
Travelers offers many ways for drivers to save on their premiums. If you’re looking for Travelers car insurance discounts, consider these common savings: Each discount can significantly reduce the cost of your policy. For example, combining even a few of these discounts can dramatically cut your annual premium:
- Multi-Policy Bundling: Insure your auto and home (or renters/condo) with Travelers to earn a substantial discount.
- Multi-Car Discount: Insure more than one vehicle on the same policy and save (up to ~8% per additional car).
- Safe Driver: Maintain a clean driving record and earn up to a 10% discount.
- Good Student Discount: High school or college students with a “B” average or better can reduce premiums (often ~7%).
- Driver Training: Teens who complete an approved driver education course can save up to 8%.
- Continuous Coverage: Keep uninterrupted insurance; save up to 15% for no gaps.
- Loyalty/Early Renewal: Switching early or renewing promptly can earn a 3–10% savings.
- Homeowner Discount: Even without Travelers home insurance, owning a home can save you ~5% on auto.
- Hybrid/Electric Vehicle: Owners of hybrid or electric cars receive a special ~2% discount.
- Paid-in-Full: Pay your premium in one lump sum for an extra few percent off.
- Student Away at School: A teen away at college may get up to 7% off that vehicle’s portion of the policy.
- Usage-Based (MileMark): In select states, Travelers’ MileMark program charges per mile driven. Low-mileage drivers can see significant savings.
- IntelliDrive Safe-Driving: Enroll in Travelers’ telematics program for up to 30% off at renewal if you drive safely.
- Defensive Driving: A mature driver course can yield discounts in some states (check with an agent).
By stacking multiple discounts, policyholders often pay substantially less. For example, a safe-driver homeowner insuring two cars could combine safe-driver, multi-policy, and multi-car discounts. Travelers also offers IntelliDrive®, a telematics program that can cut rates by up to 30% for safe driving over a trial period. All these savings make the base rates even more attractive. In fact, the combined effect of discounts and competitive pricing is why Travelers often beats out competitors on price.
Insurance for Young Drivers (Teens)
Image: Close-up of a car speedometer, symbolizing safe driving and usage-based insurance.
Teenagers often face steep premiums due to inexperience. Travelers addresses this by offering targeted savings for young drivers. Travelers car insurance for teens can be expensive, but discounts can help. Key points for teens:
- Driver Education: Teens who complete an approved driving course earn an up to 8% discount.
- Good Student: High schoolers with solid grades get a lower rate (typically 5–7% off).
- Student Away: If a teen is away at college (100+ miles), you can save up to 7% since their car is not regularly used.
- Safe Driving Program: The IntelliDrive® program tracks driving for 90 days; a safe driving record can reduce premiums by up to 30% at renewal.
- Multi-Car/Multi-Policy: Insuring the teen’s car along with parents’ vehicles (or bundling home+auto) yields standard discounts (up to ~8% each).
- Early Learner: Some states allow adding a learner’s permit driver with a small premium increase until they earn a license.
Travelers’ young-driver discounts can significantly ease the cost of adding a teen to your policy. In practice, a family that stacks driver-education, good grades, and safe-driving discounts may cut a teen’s premium by 30% or more compared to a base rate. It’s advisable to emphasize safe habits and good grades (e.g., a B-average or better) to maximize savings. Remember to take advantage of IntelliDrive for teens after they get their license, which can further trim rates. Many families find that with all applicable discounts, Travelers offers a competitive rate for teenage drivers.
Insurance for Seniors
Drivers over age 65 often worry about rising insurance costs. Travelers car insurance rates for senior drivers may increase with age, but Travelers offers discounts to help older drivers maintain affordable coverage. Savings for seniors include:
- Defensive Driving Course: Completing an approved course (often 55+ years old) can earn a discount (up to ~5–10% in some states).
- Safe Driver: Maintaining a clean record is crucial for seniors to qualify for the lowest rates.
- Usage-Based Discounts: Low-mileage seniors benefit from IntelliDrive or the MileMark program, paying based on actual safe driving.
- Multi-Policy Discounts: Bundling auto with home or umbrella insurance yields additional savings.
- Continuous Coverage: Keeping active insurance avoids surcharges for lapsed coverage.
- Multi-Car/Family: If a senior shares a policy with a younger spouse or adult children, the multi-car discount still applies.
Industry research confirms that Travelers remains competitive for senior drivers. One analysis found that even for drivers over 85, Travelers’ premiums were kept reasonable thanks to its senior discounts. Overall, for senior drivers, the combination of safe-driving discounts and bundling often results in premiums similar to (or only modestly above) those for middle-aged drivers. For example, a retiree who drives only 5,000 miles/year could see a significant cut through the pay-per-mile program. It’s best for seniors to explicitly ask about any age-related discounts (like defensive driving) when quoting. By taking advantage of all applicable discounts, many older drivers find that Travelers car insurance compares favorably to other insurers in their area.
Claims & Customer Service
The quality of claims processing and customer support is a key factor for any insurer. Travelers provides convenient 24/7 claims reporting by phone or online, and many customers find its process smoother than average. Key features include:
- Digital Tools: Travelers’ mobile app and website let you report claims, upload photos, and monitor your claim status anytime. Policyholders often find this speeds up minor claims.
- Online and Phone Claims: You can file claims via Travelers’ website, mobile app, or by calling their 24-hour hotline.
- ConciergeCLAIM: Travelers runs an in-house repair network. If you have your vehicle repaired at a partner shop, Travelers will pay the shop directly and help arrange rentals, making the process smooth. This convenience is often praised in reviews.
- Fast Estimates: For minor damage, you can upload photos and get an estimate through the app, often without needing to visit an agent.
- High Satisfaction: Surveys consistently show Travelers in the upper tier for claims handling. One customer notes that filing a claim is “easy,” while reviews praise Travelers for “excellent customer service”.
- Agent Support: Travelers’ agents and customer reps are widely regarded as helpful and knowledgeable.
- Claim Resolution: Travelers has an A++ rating, assuring policyholders that valid claims will be paid. In practice, many policyholders report quick settlements for standard claims.
Overall, Travelers’ claims and customer service earn positive marks: 86.6% of surveyed customers would recommend Travelers. Fast claim handling, a strong financial backing, and supportive staff give policyholders confidence in sticking with Travelers.
Local Agents & Getting a Quote
Travelers products are sold nationwide via independent agents. You can search online for “Travelers insurance near me” to find nearby agents or get a quick quote (Travelers maintains agents across every state). The company’s website provides instant online quotes: just enter your ZIP code and driving details to get a personalized rate. With over 1,800 local offices nationwide, it’s usually easy to get personal assistance.
To get started:
- Online Quotes: Visit Travelers.com and click “Auto Quote.” Enter your details for an immediate estimate. The quote tool also allows you to adjust coverage levels and deductibles and instantly see the price impact.
- Agent Help: Use Travelers’ agent locator or call 1-800-842-5075 to connect with a local independent agent. Agents can provide personalized advice, review coverages, and help you compare options.
- Comparison Sites: Travelers partners with quote platforms like InsuraMatch™, which can solicit multiple carriers at once (including Travelers) for side-by-side quotes.
- Affinity Programs: Many employers, alumni groups, and professional associations offer Travelers discounts. Check if your organization has a special Travelers auto insurance program.
Whether online or through an agent, you should easily find the right Travelers policy in your area. Agents and the website both guide you through the quotes process. Remember to compare at the same coverages and deductibles when shopping around. And don’t forget: state rules can affect certain coverages (e.g. PIP), so a local agent’s guidance ensures you meet all legal requirements.
Conclusion
In summary, Travelers car insurance is a smart option for many drivers. It combines long-term stability (AM Best A++ rating) with some of the lowest rates in the industry. Policyholders benefit from flexible coverage choices, an array of discounts, and responsive customer service. Travelers provides tailored programs for teens and seniors to help control costs, and users report smooth claim experiences and helpful service. For drivers seeking value and reliability, Travelers strikes an excellent balance of price and coverage. Be sure to compare a personalized Travelers quote with other insurers to ensure you get the best coverage at the best price. Travelers should be on your shortlist if you value a well-rounded balance of price, coverage, and service.
Frequently Asked Questions
Q: What coverage options are included with Travelers auto insurance?
A: Travelers offers all the standard coverages — liability, collision, and comprehensive — plus options like uninsured/underinsured motorist, personal injury protection (PIP), and medical payments. You can add extras like roadside assistance, rental reimbursement, accident forgiveness, new car replacement, and loan/lease payoff to tailor your policy.
Q: How can I get a Travelers quote?
A: You can easily get quotes by visiting Travelers.com or contacting a local independent agent. Enter details (ZIP code, driving history, etc.) online for an immediate estimate. It’s wise to compare a few quotes from Travelers and other insurers to ensure you get the best coverage at the best price.
Q: Does Travelers offer discounts on car insurance?
A: Yes, Travelers offers many discounts for safe drivers, bundling (home+auto), good students, continuous coverage, multi-car, and more. The IntelliDrive usage-based program and driver training discounts are also popular ways to save. Check all eligible discounts to maximize savings.
Q: Is Travelers a good choice for teen drivers?
A: Travelers can be cost-effective for families with teens. By taking driver education courses and maintaining good grades, a teen can earn significant discounts. Moreover, the IntelliDrive safe-driving program offers up to 30% off at renewal for careful young drivers.
Q: How is Travelers’ claims process?
A: Travelers’ claims process is well-regarded for convenience. You can file a claim 24/7 online or by phone. The company typically assigns an adjuster quickly, and many claims are processed without hassle. Travelers also offers a concierge service to expedite repairs and rentals, helping claims go smoothly.
Q: How is Travelers’ customer service?
A: Travelers’ customer service receives strong praise. Bankrate gives Travelers high marks overall, and 86.6% of customers say they would recommend Travelers to others. Local agents and customer reps are known to be helpful and responsive.
Q: Where can I find Travelers car insurance near me?
A: Travelers policies are available across the U.S. Find an agent by searching online (e.g. Google “Travelers car insurance near me”) or using the agent locator on Travelers.com. The website and agents can guide you through getting quotes and coverage in your area.
Have questions or experience with Travelers? Share your thoughts in the comments below. If you found this guide helpful, please share it on social media to help others find great insurance deals. If you have questions we haven’t covered, drop them below or contact a Travelers agent for personalized help.
Note: This article is for informational purposes and reflects data as of 2025. Always verify details with official Travelers materials or licensed agents.
