CarInsurance.com Insights
- Travelers offers a wide variety of coverage options, including less common coverages such as rideshare and new car replacement.
- In addition to its low average premiums, Travelers also offers more than a dozen discounts that could help you save money.
- Travelers received the highest ranking in our 2025 analysis of the best car insurance providers.
Travelers was the top-rated auto insurance company in our analysis of the best car insurance companies of 2025. The company is financially strong, available nationwide and receives fewer than average complaints from customers.
Its average monthly premium is one of the lowest of the companies we evaluated and we found that Travelers policyholders are the most likely to renew their policy.
But just because a company looks good on paper doesn’t mean it will be the right fit for your insurance needs.
At a Glance
Pros
- Highest rating in our overall analysis of top insurance companies
- Coverage is available in all 50 states plus Washington, D.C.
- Cheaper than average premiums in our rate analysis
- Good variety of coverage options, including rental car reimbursement and accident forgiveness
- More than a dozen available discounts
Cons
- Not all discounts are available in all areas
- IntelliDrive telematics program and discounts are not available in all areas
- Accident forgiveness coverage must be purchased separately
- Lower-than-average customer satisfaction rating in J.D. Power’s auto insurance claims satisfaction study
Who is Travelers best for?
Ranked No. 1 in our Best Car Insurance Companies of 2025 study, Travelers received an overall score of 4.64 out of 5 and a customer satisfaction score of 4.31 out of 5.
The company offers a wide range of coverage options and a variety of discounts, allowing you to tailor your policy to your specific needs and budget.
How much does Travelers car insurance cost?
The average monthly premium for full coverage insurance with Travelers is $175, one of the lowest among the insurers in our study.
Your quoted rates may vary from our rate analysis based on several factors, including your location, driving habits, driving history and coverage selections, among others.
| Company | Full coverage monthly cost |
|---|---|
| Allstate | $267 |
| Farmers | $257 |
| American Family | $159 |
| GEICO | $179 |
| Nationwide | $205 |
| Progressive | $223 |
| State Farm | $239 |
| Travelers | $175 |
| USAA* | $131 |
*USAA is only available to military community members and their families.
Speak with a friendly agent and get your quote in minutes!
Travelers discounts and savings
Travelers offers more than a dozen different ways to save on your car insurance premiums. During the quote process, find out if you’re eligible for one or more of the following discounts:
- Multi-policy
- Multiple vehicles
- Homeownership
- Safe driver
- Continuous coverage
- Hybrid or electric car
- New car (less than three years old)
- Autopay, pay-in-full and good payer (consistently on-time payments)
- Early quote (for shopping for a new policy in advance)
- Good student
- Student away at school
- Driver training
Note that not all discounts are available in all areas.
Coverage options
Travelers offers a variety of coverage options beyond liability coverage, which is mandatory in most states. Liability car insurance helps you cover someone else’s costs if you’re at fault in an accident. Other car insurance coverages include:
- Collision: This pays to repair or replace your vehicle if you’re involved in a crash.
- Comprehensive: This coverage helps pay for damage to your vehicle caused by events other than an accident, such as storms, falling trees, fire or vandalism.
- Medical expenses: Also known as MedPay, this coverage pays for your and your passengers’ medical expenses if you’re injured in an accident.
In addition to the common coverages above, Travelers also offers other options that let you customize your policy for an additional fee, such as:
- Personal injury protection (PIP): This coverage helps pay for medical expenses and other related costs, regardless of who is at fault in the accident.
- Loan or lease gap coverage: This helps cover the gap between your vehicle’s actual cash value and the amount remaining on your car loan or lease if your car is totaled.
- Extended transportation expenses: This helps pay for a car rental, car service or public transportation while your vehicle is being repaired.
- Uninsured/underinsured motorist coverage: This protects you financially if you’re in an accident with a driver who has too little coverage or no car insurance at all.
- Roadside assistance: Travelers will help if you’re stranded at the side of the road because of something like a flat tire or a dead battery.
- Accident forgiveness: This coverage prevents your premium from increasing as a result of an accident.
- New car replacement: If your vehicle is totaled, this coverage helps you replace it with a new car of the same make and model (if you purchased your vehicle within the last five years).
- Rideshare: Travelers offers limited coverage for rideshare drivers; it protects you while you’re available for rides, but not after you’ve picked up your passenger.
Travelers also offers what’s called named non-owner insurance, which is designed for people who occasionally drive but don’t own a car themselves.
My experience getting a quote
To get a sense of what it’s like to work with Travelers, I requested a quote for my 2025 Subaru Outback. I provided Travelers with my name, address and information about my car and how long I’ve owned it. I also added my husband’s information as a named driver on the policy. The process was straightforward and streamlined, and only took a couple of minutes.
In fact, the Travelers quote process was easily one of the fastest I’ve experienced, and the quoted rate was very low compared to others I’ve received: $56 per month for 100/300/100 coverage. That includes:
- Bodily injury liability coverage: $100,000 per person/$300,000 per occurrence
- Property damage coverage: $100,000
In the fine print, Travelers notes that my actual price could be higher or lower based on other information, including deductibles or discounts.
Although I have an excellent credit score, the Travelers fine print stated it did not place me in its best rating classification. Insurance scores take credit history, not credit score, into account when evaluating prospective customers.
Even with a frozen credit file, insurance companies can review your credit report for underwriting purposes. Keep that in mind when requesting a car insurance quote.
During the quote process, I qualified for $242 in savings across eight discounts:
- Digital Auto (for enrolling in IntelliDrive, a usage-based program and setting up autopay and paperless billing)
- Safe driver
- Home ownership
- Good payer
- Continuous insurance
- Early quote
- New car
- Automatic emergency braking
One thing to note: part of why the quote is so low is that Travelers automatically selected a $1,000 deductible for collision and comprehensive coverage. Lowering the deductibles to $500 raised my quoted monthly premium by $8, to $64.
The Travelers claims experience
The purpose of insurance is to provide financial support when things go wrong, so an insurance provider must make it easy to file a claim.
According to Travelers, it’s faster and easier to file your claim online by logging in to your Travelers account, either online or in your Travelers app.
If there’s been significant damage or someone was injured in the accident, Travelers suggests calling their claim center at 1-800-252-4633. The phone line is open 24 hours a day.
The Travelers app received a 4.7-star rating out of a possible five stars on the App Store for iOS, based on more than 100,000 reviews.
On the Google Play Store, the app has a rating of 4.0 stars out of 5, based on nearly 2,000 reviews as of November 2025.
Travelers’ customer satisfaction
In our 2025 analysis of car insurance customers, Travelers policyholders were most likely to renew with their carrier.
Travelers received slightly below the average number of complaints in 2024, according to the National Association of Insurance Commissioners (NAIC) Complaint Index.
Travelers scored slightly below average —691 to the average 700 — in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. It was comparable to the study average — 698 to 699 — in the J.D. Power 2025 U.S. Insurance Digital Experience Study.
For J.D. Power regional customer satisfaction, Travelers scored above the segment average in New York — 654 vs. the New York regional average of 636.
In terms of financial strength, Travelers received stronger ratings than some of the other insurers in our study, with an A++ (Superior) rating from AM Best. Such a strong rating indicates that the company is highly likely to be able to pay out on future claims.
Frequently Asked Questions: Travelers car insurance
Is Travelers cheaper than other car insurance companies?
The average monthly premium for full-coverage insurance with Travelers was among the lowest in our ratings analysis. However, the price you pay for coverage depends on your unique driver profile and the coverage you select.
What discounts does Travelers offer?
Travelers offers the most common car insurance discounts, like multi-policy, good student, safe driver and autopay. If you sign up for IntelliDrive, Travelers telematics app that tracks driver behavior, you could save up to 35% for good driving (depending on your state).
Does Travelers offer accident forgiveness?
Eligible drivers may be able to add accident forgiveness to their policy as an optional coverage. Accident forgiveness isn’t available in all states. Travelers also offers other similar programs, including minor violation forgiveness and the Responsible Driver Plan.
Does Travelers have gap insurance?
Yes, you can buy gap insurance with Travelers. You must be the original owner and you must have purchased the vehicle from a dealership to buy this coverage.
How do I file a claim with Travelers?
To file a claim with Travelers, you can report it online, through the app or by phone. Like most major insurers, Travelers offers digital tools to help you upload documentation and track your claim.
How does Travelers rank in customer satisfaction?
According to J.D. Power, Travelers scores below average in customer satisfaction. However, the NAIC complaint index shows a low number of complaints.
Does Travelers raise rates after an accident or ticket?
Your Travelers car insurance premiums might increase after an at-fault accident or a major moving violation. Purchasing accident forgiveness coverage in advance can offset the cost.
Is Travelers suitable for high-risk drivers?
If you have some claims, accidents, speeding tickets or DUIs on your driving record, you may be a high-risk driver and your premiums will likely be higher. However, coverage may still be available, so it’s worth speaking with a Travelers agent to explore your options.
Does Travelers offer telematics or usage-based insurance?
Yes. Travelers offers a telematics program called IntelliDrive (or IntelliDrive 365, depending on your state). Drivers with good driving habits could save as much as 35% by enrolling in this program, but be aware that poor driving habits could actually cause your premiums to go up.
What types of add-ons does Travelers provide?
In addition to common coverages like liability, collision and comprehensive, Travelers’ insurance add-ons include accident forgiveness, gap coverage, medical payments, personal injury protection, roadside assistance and a limited add-on for ride-share drivers.
Can I manage my policy online with Travelers?
Yes. As with most major insurers, you can manage your policy through Travelers’ website or its mobile app. That includes bill payment, claims tracking and digital insurance cards, too.
Is Travelers a good insurance company overall?
Although its customer service isn’t rated as highly as some competitors, Travelers’ financial strength ratings are superior, and its average premiums are quite low. The best way to decide whether Travelers is right for you is to compare quotes, coverage options and essential features to what is offered by other companies.
Sources
- AM Best. “AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Main Subsidiaries.” Accessed November 2025.
- Travelers. “IntelliDrive.” Accessed November 2025.
- J.D. Power. “It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds.” Accessed November 2025.
View More
- J.D. Power. “Auto Insurer Websites and Apps Become Battleground for New Customers as Policy Shopping Activity Skyrockets, J.D. Power Finds.” Accessed November 2025.
- J.D. Power. “Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds.” Accessed November 2025.
- National Association of Insurance Commissioners. “National Complaint Index Report.” Accessed November 2025.
- Travelers. “File claim as an individual.” Accessed November 2025.
- Travelers. “Car Insurance Discounts.” Accessed November 2025.
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