Travelers is a financially strong company offering good car insurance that’s available in most states. Its numerous discounts make it easy to save on your premium, and its optional coverages help you create a tailored policy. Where Travelers falls short is in its customer satisfaction, which pales in comparison to the competition. You might be satisfied with your auto policy, but you could be less impressed in your dealings with the company.
- Pros and Cons
- Company Overview
Discounts for hybrid and electric vehicles
Strong financial ratings
Optional plans to increase flexibility in the event of an accident
Low overall customer satisfaction, according to J.D. Power studies
Not available in all 50 states
Ridesharing coverage only available in two states
- Official Website www.travelers.com
- Insurance Offered Car, boat, yacht, homeowners, renters, travel, wedding, and more
- Customer Service Available by email (https://www.travelers.com/contact-us/email) or phone (800-842-5075), 24 hours a day, 365 days a year
- Year Founded 1864
Travelers isn’t currently offering any widespread COVID-19 financial assistance but encourages customers to contact customer service at 800-842-5075 for individual relief solutions provided on a case-by-case basis.
Travelers Car Insurance Coverage
You’ll find all the standard insurance coverages with Travelers:
- Liability (bodily injury and physical damage you cause to others, required in most states)
- Personal injury protection
- Comprehensive or “other-than-collision”: includes $1,500 worth of custom equipment coverage
- Medical payments
- Uninsured and underinsured motorist
The company’s optional coverages or endorsements may include:
- Loan/lease gap insurance
- Rental reimbursement
- Roadside assistance
- New car replacement (for new cars totaled within first 5 years)
- Accident forgiveness
- Ridesharing (in Colorado and Illinois)
Travelers also offers some benefits in two optional plans, for an additional fee:
|Responsible Driver Plan||Premier Responsible Driver Plan|
Factors That Affect Your Cost
Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle and how you use it (business, personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium.
Travelers Car Insurance Discounts
Travelers offers various ways to save on premiums. Here’s what may be available to you, depending on your location:
- Youth discounts: Good student (8%), student away at school (7%), driver training (up to 8%)
- Loyalty discounts: Multi-policy (up to 13%), multi-car (up to 8%), affinity group
- Safety discounts: Safe driver (up to 23%), IntelliDrive program (telematics-based discount, up to 20%)
- Policy-related discounts: Continuous insurance (up to 15%), paid-in-full (up to 7.5%), electronic funds transfer (up to 3%), good payer (up to 15%), early quote (up to 10%)
- Other discounts: Homeownership (up to 5%), hybrid/electric vehicle, new car (up to 10%), affinity groups
Travelers Car Insurance Availability
Travelers is available in Washington DC and 42 states. Some coverage depends on your state; for example, ridesharing coverage is only available in Colorado and Illinois.
How to Get a Travelers Car Insurance Quote
You can call your local agent for a car insurance quote. You can also call Travelers’ general sales number, which changes based on your IP address and is displayed in the red “Get a Quote” bar on the company’s homepage. It’s also easy to get a quote online using your basic personal information and vehicle details.
When you request a quote, Travelers lets you choose between three gender options: female, male, and not specified.
How to File a Claim with Travelers
Call Travelers’ claim department at 800-238-6225 to file a claim or use your online account or the MyTravelers app. Key pieces of information you may be asked for are your policy or account number, contact information, and details related to the incident.
Travelers Customer Service
|Study||How Travelers Fared|
|J.D. Power Auto Claims Satisfaction Study||#19 out of 24|
|J.D. Power Auto Insurance Satisfaction Study||
#11 out of 12 in the Florida region
|J.D. Power Insurance Shopping Study||#8 out of 8|
|J.D. Power Digital Experience Study||#7 out of 19 for service
#18 out of 22 for shopping
Travelers ranked below the regional average in J.D. Power’s Auto Insurance Satisfaction Study for all nine out of 11 regions it appeared in. It was nearly at the bottom of the list for areas like the Northwest, Southeast, Southwest, and Florida. Travelers’ overall average in this study was 820, which is 13 points below the average of all regions, and shows customers aren’t satisfied with its price, claims, billing process, and more.
Many customers are equally dissatisfied with how Travelers handles auto claims, as the company’s scores on J.D. Power’s Auto Claims Satisfaction Study were below average.
Digital Service and Shopping Experience
Unfortunately, Travelers’ scores aren’t much better in J.D. Power’s Insurance Shopping Study, where it came in last place, and J.D. Power’s Digital Experience Study (Shopping), where it ranked near the bottom. These rankings reveal its competitors outshine Travelers in this area.
That said, we found Travelers’ online information about its offerings and discounts to be fairly clear and its quote process to be quick. Travelers also scored above average in the service category of J.D. Power’s Digital Experience Study, revealing its mobile and web-based platforms are easy to use and provide a range of services. And should you need help, Travelers’ customer care team is available around the clock, every day of the year.
AM Best is a long-standing rating agency specializing in insurance. It gave Travelers the highest rating of “A++,” meaning the company has a superior ability to meet ongoing insurance obligations, including paying out large claims.
Other Insurance Provided by Travelers
If you want to keep all your insurance needs under one roof, it’s useful to know that Travelers doesn’t provide many vehicle coverages. In addition to car insurance, it offers:
- Boat and yacht insurance
- Homeowners, condo, and other and property insurance
- Jewelry and valuable item coverage
- Events insurance
Compare Other Car Insurance Reviews
Travelers auto insurance may not be the best fit for every driver. It’s important to compare providers and their quotes to know which one offers the best price for your desired coverage and has the features you value. Here are three other insurers with similar coverages:
Travelers may be the car insurance provider for you if you want:
- To lower your premiums with its impressive variety of discounts
- A financially-strong company capable of paying out claims
On the other hand, consider other insurers if you want:
- To be confident you’ll have a smooth claims process
- Auto insurance in one of the 8 states where it’s not available
The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.
Travelers. "Billing Relief for U.S. Customers." Accessed Nov. 4, 2020.
Travelers. "Car Insurance Coverage." Accessed Nov. 4, 2020.
Travelers. "Car Insurance Discounts." Accessed Nov. 4, 2020.
Travelers. "You're a Safe Driver. Why Not Get Rewarded for It?" Accessed Nov. 4, 2020.
Travelers. "Report a Claim." Accessed Nov. 4, 2020.
J.D. Power. “Auto Insurance Websites Surpass Agents in Importance to Customer Interaction, J.D. Power Finds.” Accessed Nov. 4, 2020.
J.D. Power. “Auto Insurance Claims Satisfaction Climbs to Record High as Carriers Refine Customer Experience During Pandemic, J.D. Power Finds.” Accessed Nov. 4, 2020.
Businesswire. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries." Accessed Nov. 4, 2020.
Travelers. "Coverage That Helps You Protect the Things That Matter." Accessed Nov. 4, 2020.