Travelers Auto Insurance: User Reviews and Quotes (2025)

With headquarters in New York City, Travelers has been in the insurance industry for more than 165 years and is one of the largest insurance companies. The insurer offers individual, business, and specialty insurance products and services for customers across the U.S.

While Travelers scores well for financial strength and offers car insurance coverage in most of the U.S., its rates tend to be higher than those of its competitors.

The good news is you can still find cheap car insurance if you take advantage of discounts, compare rates, and choose the right policy for your unique situation. Here’s what you need to know about Travelers and its auto insurance offerings.

How Travelers compares to other insurance companies

How Travelers rates compare to competitors

Travelers offers liability insurance for $99 per month and full coverage for $186 per month. While Travelers’ rates aren’t the highest on the market, other major insurers offer cheaper quotes.

Check out the table below to see how Travelers’ full-coverage rates stack up against its competitors.

Average cost of Travelers auto insurance

Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers as more likely to file a claim and charge higher rates to make up for the possible financial loss.

Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.

The table below illustrates how Travelers’ monthly liability rates compare to the national average liability rates for various driver profiles.

Travelers car insurance cost by state

Your state and city will affect the cost of car insurance from Travelers. Insurance companies use factors like climate, theft rates, and population density to determine your rates. In general, Travelers’ premiums are higher than other national insurance companies.

This table shows the average monthly full-coverage car insurance rates for Travelers auto insurance compared to the state average for many of the states in which Travelers writes policies.

Travelers car insurance discounts

Car insurance discounts can help you save money and score a great deal on a car insurance policy. Fortunately, Travelers advertises several auto insurance discounts that could lead to cheaper car insurance quotes for potential customers, including:

• Multi-policy discount

• Multi-car discount

• Homeownership discount

• Safe driver discount

• Continuous insurance discount

• Hybrid/electric car insurance discount

• New car discount

• Electronic funds transfer (EFT) discount

• Early quote discount

• Good student discount

• Student away at school discount

• Driver training discount

How customers feel about Travelers

On Trustpilot, Travelers earned 1.5 out of 5 stars out of 37 reviews. The car insurance company earned a similar rating of 1.05 out of 5 stars on the Better Business Bureau (BBB) website based on more than 270 reviews.12

Most negative reviews and complaints discuss negative experiences with the claim process and high premiums. Positive reviews are minimal on these sites.

Travelers customer reviews

Below, you’ll find real, verified insurance reviews from customers who have had actual experiences with Travelers.

Travelers ratings

Ratings from reputable organizations like AM Best, J.D. Power, and the National Association of Insurance Commissioners help show the quality, reliability, and health of Travelers. While the company has great financial strength, it has a very high complaint score from the NAIC Complaint Index of 10.89.3

The NAIC rates companies using a scale of one representing average, zero representing fewer complaints, and two representing more complaints. Travelers’ score of 10.89 signals low customer satisfaction.

Additionally, while decent, Travelers’ J.D. Power score for customer claim satisfaction is lower than its competitors. Here’s a look at the ratings Travelers received.

Travelers car insurance coverage options

Like most auto insurance companies, Travelers offers liability insurance that includes bodily injury and property damage coverage. Comprehensive and collision coverages are also available for drivers who want additional protection and peace of mind while on the road.

Here are several other car insurance coverage options from Travelers:

Other options for Travelers customers

In addition to personal and commercial auto insurance, Travelers offers a variety of other insurance products you can purchase through an agent, including:

• Home insurance: If you own a home, a home insurance policy through Travelers can be a good choice. A number of homeowners insurance add-ons are available, such as content replacement cost coverage, identity theft coverage, green home coverage, and jewelry and valuable items coverage. The many discounts allow for affordable home insurance rates.

• Yacht and boat insurance: With a Travelers yacht and boat policy, you can choose an agreed value or actual cash value coverage and receive roadside assistance for emergencies you may encounter while on the water.

• Renters insurance: If you rent a property, your landlord may require renters insurance to protect your personal property. Travelers offers renters policies at affordable rates.

• Travel insurance: A travel insurance policy from Travelers can protect you on a single trip or several trips if you’re an avid traveler and invest in an annual multi-trip protector.

How Travelers Intellidrive works

Intellidrive is an optional Travelers program that rewards policyholders for safe driving with low rates. Once you download the smartphone app and log into your account, it’ll record your speed, acceleration, braking, and distractions when you drive. After a 90-day period, Intellidrive will determine your driving performance and give you a driving score.

While a good Travelers score indicates you’re a safe driver and can allow you to save up to 30% on your auto policy, a lower score may increase your premiums. If you decide you don’t want to participate in Intellidrive, you can opt out of the program within 45 days of signing up.

Travelers insurance FAQs