Travelers Auto insurance is a multinational insurance company offering a variety of policies that include auto, life, home, renters, and umbrella insurance.

Travelers Insurance Company is one making strides in diversity and inclusivity. Since the early 2000’s, Travelers has received numerous Military Friendly awards from VIQTORY and Military Times. Forbes has also awarded multiple America’s Best Employers awards for Diversity, Women, and New Grads consistently for several years. The Human Rights Campaign Foundation has also awarded Travelers the Best Place to Work for LGBTQ Equality since 2016.

travelers car insurance




When purchasing auto, home, and other types of necessary insurance products to protect your lifestyle and family needs, it’s important to research and read reviews like this one. We identify Travelers Auto Insurance coverage options, available discounts, financial strength, claims and customer satisfaction, and sample pricing in one place to make it easier for you to make an informed decision.

The company has been featured on the Fortune 500 list consistently since 1995 and has been the recipient of multiple awards, including the NAIC award for the Largest U.S. Workers Compensation and Commercial Auto Carrier from 2014 to 2017.


Travelers Auto Insurance Pros

  • Good option for young drivers
  • Wide range of coverages and discounts to make rates more affordable 
  • Lower-than-average national complaint index
  • Easy to navigate website

Cons Of Travelers Auto Insurance 

  • Lower-than-average J.D. Power ratings
  • Not the best for people looking for cheap auto insurance rates
  • Only offered in 42 states and the District of Columbia
  • Long wait times for roadside assistance according to customer reviews


As you study the Travelers Auto insurance reviews, it’s important to realize there are a variety of policy options available that help you create the best policy for your needs.

The following coverages are typical of auto insurance carriers like Travelers:

  • Liability Coverage: This covers bodily injury and property damage liability and is required by most states.
  • Comprehensive Coverage: This will pay for damages to your vehicle that don’t occur as the result of an accident, such as theft, vandalism, or acts of nature.
  • Collision Coverage: This policy takes care of damage to your vehicle in the event of a collision with another vehicle or object.
  • Medical Payments Coverage: This add-on option covers medical expenses and, in some cases, loss of wages, for anyone injured in your vehicle during an accident.
  • Personal Injury Protection: Also called no-fault insurance, in states where PIP is available, this coverage pays for medical payments, lost wages and other damages no matter who is at fault.
  • Uninsured/Underinsured Motorist Coverage: This option is required in some states but optional in others. It covers injuries or property damage caused by someone else who doesn’t have insurance or not enough coverage to pay in full. It also provides coverage if you’re a victim of a hit-and-run.

At Travelers, there are several other options available to make your auto insurance unique and tailored to your needs. Review these optional auto insurance coverages to see if they make sense to be included in your Travelers insurance policy:

  • Gap Insurance: If you have comprehensive and collision coverage because of a loan or lease on the vehicle, gap insurance is a smart add-on. If your car is totaled or stolen and the book value is less than what you owe, this coverage pays the difference so you don’t have to.
  • Rental Coverage: Also called rental reimbursement, this coverage provides a rental car if your car needs to be fixed after a covered accident and is going to be out of commission for at least 24 hours.
  • New Car Replacement: If you purchase a new car, it makes sense to protect your investment. If your new vehicle is totaled in its first five years, Travelers will give you the value of a brand new car, it just has to be the same make and model.
  • Rideshare Coverage: Only available in Illinois and Colorado, drivers who work for transportation network companies can get coverage from the time the app is turned on until your fair is picked up, which is when the company’s policy kicks in.
  • Roadside Assistance: It’s never a good feeling to be stranded after your car breaks down or you get a flat tire. Even if you need fuel or locked your keys in the car, Travelers offers 24/7 roadside assistance to provide peace of mind.


Travelers offers a wide range of discounts to make its car insurance policy more affordable. Stacking these discounts together may help you get a great rate for car insurance with Travelers:

  • Early quote
  • Safe driver
  • Multi-policy 
  • Multi-car
  • Homeownership
  • Continuous insurance
  • Hybrid or electric vehicle
  • New car
  • Autopay
  • Affinity program
  • IntelliDrive 
  • Paid in full
  • Good payer 
  • Good student
  • Student away at school
  • Driver training

The last three discounts listed are specifically for teen drivers. By sharpening their skills, getting good grades, and not taking a car with them to college, Travelers may provide a great rate for an inexperienced driver.


Claims Satisfaction

Although customers may make occasional contact with their insurer to make minor changes to their policy such as adding or changing vehicles or adding a new driver, the primary way that the consumer interacts with the company is while making a claim.

J.D. Power, Consumer Reports, and other market research and review companies all have unique criteria that they use to rank major insurance providers. All of these can be categorized using three key performance indicators that are related to the claims process: communication, ease of service interaction, and timeliness.

In the J.D. Power 2020 U.S. Auto Claims Satisfaction Study, Travelers received a below average score of 861 points on a 1,000 point scale. This places Travelers 19 out of 24 companies ranked. 

Reviews for Travelers Auto Insurance on Consumer Affairs show a mix of good and bad for claims satisfaction. Some of the top complaints express frustration with long service times for roadside assistance. Others discuss claims issues with billing for damages and long waits for repairs, while some give 5-star reviews with no issues and a smooth claims process.


Overall, Travelers Auto insurance reviews show that the company has generally received an average rating of 3 out of 5 in the J.D. Powers 2017 US Auto Claims Satisfaction Study. In the individual categories that make up this rating, Travelers received a 3 out of 5 rating except for Repairs Process, for which it received a 2 out of 5.

These Travelers Auto insurance ratings place the company in the middle of the field, coming in just below major insurance providers such as Progressive and Auto Club of California Insurance Group, and just above MetLife and Farmers.

Customer Satisfaction

When it comes to overall customer satisfaction, Travelers Auto insurance reviews look beyond the claims process and consider all the communications between the company and its insureds. All communication and customer interaction is considered, including how well the company answers questions asked by both policyholders and potential customers, as well as how the company handles complaints.

Travelers has a below average score in the J.D. Power 2020 U.S. Insurance Shopping Study for purchase experience with 847 points, putting it at the bottom of the list of eight large insurers.

In the U.S. Auto Insurance Satisfaction Study, Travelers Insurance is listed in nine regions and all regions have mixed scores, but all are below average.

However, Consumer Affairs gives Travelers Insurance 4 out of 5 stars after 625 reviews and ratings. With just one review on Trustpilot, Travelers Insurance has 3.2 stars. Consumers Advocate has just one customer review that isn’t positive, yet gives Travelers Auto Insurance an overall score of 4.4 stars.

Though Travelers insurance has 417 complaints and reviews with the Better Business Bureau (BBB), 151 have been closed in the last year. BBB gives Travelers Insurance an A+ for it’s excellent interaction with customers and ability to resolve complaints.

The J.D. Power shopping study contains overall satisfaction ratings for Travelers and its major competitors that relate to Policy Offerings, Pricing, Local Agent and Call Center Responses, and the Insurer Website. Travelers Auto insurance ratings place the company about average in all categories except Pricing, for which it received a below average rating, which puts the company just above Allstate and just below Farmers.

The National Association of Insurance Commissioners (NAIC) maintains an annual database of complaints received by major insurance providers to provide consumers with a ratio of how many justified complaints the company receives each year in relation to the number of claims it files. Insurance providers voluntarily submit their complaint information to the NAIC.

With only 12 total complaints in 2020, Travelers Auto (NAIC #25658) had a justified complaint ratio of 0.43 complaints per 100,000 policyholders, well below the national median of 1.00.


There are a variety of factors that contribute to the price of any car insurance policy including the make and model of the vehicle and your geographic location, age, gender, and driving history.

For comparison purposes, the following scenario is used to review pricing.

  • Single Male (licensed 9 to 15 years): One car (Toyota Camry), no violations, driving around 12,600 to 15,000 a year, and living in San Francisco County, California.

In this scenario, which involves a single male driver in California, Travelers pricing is just below the median with a quote of $1,044. The lowest quote for this scenario comes from Lova, at a price of $567, with the highest being from Viking at $1,990. Nationwide was closest to the median for this scenario with $1,247.

If the scenario is changed slightly so the single male driver has instead been driving for 16 to 40 years, the quote from Travelers drops to $974. If we again change the scenario to include a single traffic ticket, the quote jumps to $1,574.

These price fluctuations are a good reminder of how important it is to provide all pertinent information when shopping for quotes from insurance providers.


While shopping for car insurance, many of us don’t research the financial strength of the insurance providers we’re considering.

But if a large-scale disaster strikes, it’s important to know that your policy will be honored and that your provider will be able to pay all the claims that result from the disaster. Information and tips on how to understand rankings from the five independent rating agencies are provided by the Insurance Information Institute.

The financial ratings for Travelers indicate that the company is very strong financially. A.M. Best issues a Financial Strength Rating (FSR) of A++ (Superior) and a Long-Term Issuer Credit Rating of “a+” on Travelers Insurance Company Limited (TICL).

Moody’s Investors Services gives Travelers a rating of Aa2, which means that the company’s obligations are of high quality and the company is subject to very low credit risk.

Fitch Ratings affirmed Travelers Insurance rank at AA or very strong, also affirming the company’s stable assets and ability to pay claims.



Now that you’re armed with the information detailed in the above Travelers auto insurance reviews, you should have a better understanding of how this company manages claims and provides services to policyholders.

Use the information in these reviews to help you find the right car insurance provider and the right policy to suit your needs.