Travelers Car Insurance Review

Save with an array of discounts, but customer satisfaction lags behind

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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
Pros and Cons
  • 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

Company Overview
  • Official Website
  • Insurance Offered Car, boat, yacht, homeowners, renters, travel, wedding, and more
  • Customer Service Available by email ( or phone (800-842-5075), 24 hours a day, 365 days a year
  • Year Founded 1864

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 
  • Collision 
  • 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
  • Accident forgiveness: Forgives one accident every 36 months

  • Minor violation: Forgives one minor violation every 36 months

  • Everything in the Responsible Driver Plan

  • Decreasing deductible (every 6 months without an accident or major violation, a $50 credit up to $500 is applied toward the deductible if there’s a loss)

  • Total Loss Deductible Waiver (no deductible if your car is totaled)

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 800-252-4633 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 #20 out of 24
J.D. Power Auto Insurance Satisfaction Study
#12 out of 13 in the Florida region #10 out of 14 in the New England region #11 out of 12 in the Northwest region #16 out of 18 in the Southeast region #11 out of 13 in the Southwest region Middle of the pack in other regions
J.D. Power Insurance Shopping Study #7 out of 9
J.D. Power Digital Experience Study #15 out of 20 for service #18 out of 23 for shopping

Overall Satisfaction

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. 

Auto Claims

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. 

Financial Stability

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:

Final Verdict

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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Insurance Information Institute. "What determines the price of an auto insurance policy?" Accessed June 15, 2021.

  2. J.D. Power. “Auto Insurance Websites Surpass Agents in Importance to Customer Interaction, J.D. Power Finds.” Accessed June 15, 2021. 

  3. J.D. Power. “Auto Insurance Claims Satisfaction Climbs to Record High as Carriers Refine Customer Experience During Pandemic, J.D. Power Finds.” Accessed June 14, 2021. 

  4. Businesswire. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries." Accessed June 15, 2021.