Travelers Insurance Review 2026

I would recommend Travelers to drivers who plan to utilize its unique coverage options, like new-car replacement, accident forgiveness, and non-owner insurance. Travelers is also a good choice if you have a DUI, ticket, or low credit, and are searching for lower rates.

Travelers offers good discounts for bundling policies and participating in its safe driving program, Intellidrive. Travelers also has a robust affinity group program. You can call 844-522-0854 to ask Travelers if your credit union, association, employer, or bank participates in the program. This could get you a more favorable auto insurance rate or discount.

The average full coverage auto insurance premium with Travelers is lower than the national average by $519, or about 22 percent. Its rate for minimum coverage is $38 less than the national average (5 percent cheaper). Compared to other large auto insurance providers, Travelers’ average annual premium is more affordable than those from AAA, Allstate, American Family, Farmers, Nationwide, Progressive, and State Farm.

I lived in New York, which is one of the more expensive states for auto insurance. When I compared rates, I found Travelers much more expensive than its national average rate. Here’s one example: on average, Travelers auto insurance costs $223, or 10 percent, less than Progressive. But in New York, where Progressive costs an average of $1,848, Travelers costs a whopping $2,976, or 61 percent more.

In other words, to find out exactly how much you’ll pay for Travelers — regardless of where you live — you’ll need to get a quote.

Travelers Rates by Driver Profile

If you have a less-than-perfect driving record — for example, due to an accident — Travelers is worth checking out. Its rates for drivers with bad credit are $1,110 below the national average, and its rates for drivers with a speeding ticket are nearly $530 below the national average.

The only exception is its rates for drivers with an at-fault accident, which exceed the national average by $365.

As I mentioned earlier, Travelers’ multi-policy discount is one of the easiest ways to save money on your premium. Here are other discounts available from Travelers:

• Multi-car discount if your household insures two or more cars on the same policy
• Homeowner discount if you own a home or condo, even if you insure it elsewhere
• Safe driver discount if you have had no accidents, violations, or major comprehensive claims in your household for the past three to five years
• Continuous insurance discount if you held car insurance with Travelers continuously with no gaps
• Hybrid/electric car discount if you own or lease a hybrid vehicle
• New-car discount when you purchase a new car or own a car that is less than three years old
• EFT, paid-in-full, and good payer discounts let you save based on your payment preferences
• Early quote discount if you’re new to Travelers and get a quote before your current policy expires
• Good student discount if your policy includes a driver who is fully enrolled in high school or college and maintain a “B” average or above
• Student away from home discount if one of your dependents goes to school at least 100 miles away and won’t be driving your cars
• Driver training discount for young drivers who have successfully completed an approved driver’s ed course

A few notes on availabilities in certain states:

• Not in California: Early quote, EFT/paid-in-full/good payer, new-car, safe driver, continuous insurance, home ownership and multi-car discounts.
• Not in New York: Early quote, safe driver, and good payer discounts
• Not in Maryland or Washington: Good payer discount

Highlighted Discount: IntelliDrive

IntelliDrive is Travelers’ telematics-based safe driving rewards program. Using the IntelliDrive app, Travelers tracks your driving habits. The app measures time of day, speed, acceleration, braking, and distracted driving. These habits are used to calculate your insurance premium when your auto policy renews.

Safe driving habits can lead to savings, which have historically been up to 30 percent depending upon your state. On the other hand, riskier driving habits could result in a higher premium unless you live in Montana, North Carolina, Virginia, or Washington, DC.

When I entered my New York ZIP code online to get a quote from Travelers, I received a redirect to several quote aggregators, since Travelers isn’t currently selling auto insurance direct-to-consumer in my state.

Next, I tried a ZIP code in Pennsylvania. The first screen asked me to confirm if I am a Travelers customer, then I entered some personal information.

Overall, Travelers online quote process struck me as standard. You can also get a quote by phone. According to Travelers’ website, representatives are available Monday-Friday, 8 a.m.-9 p.m. ET and Saturday, 8:30 a.m.-6:30 p.m. ET.

Travelers offers the standard car insurance coverages — liability, uninsured/underinsured motorist, medical payments, personal injury protection, comprehensive, and collision — and many extra coverage options. See below for a breakdown of each type of coverage and what it pays for.

Across all policy types, Travelers’ NAIC index is 0.41, which is below average, which means it gets fewer complaints than expected in the market.¹

I also looked at studies from J.D. Power, which provides consumer insights through data analytics. It researches auto insurance customer satisfaction and produces multiple studies about auto insurance shopping. Travelers ranked below average in J.D. Power’s Insurance Shopping Study, indicating that customers may be dissatisfied with its prices and quote process.

On J.D. Power’s regional study, Travelers ranked below average in every region except New York.

Overall, these scores suggest to me that while Travelers’ rates tend to be cheaper, its customer service may not be as strong as some other providers’.

I am not yet a Travelers customer, so I can’t speak to the claims process from start to finish. Its website notes you can call 1-800-252-4633 24/7 or log in to your MyTravelers account to file a claim.

Third-party data is mixed, which suggests that Travelers’ claims process may not be the easiest or quickest. If you do need to file a claim, you’ll likely have a better experience bringing your car to one of its direct repair (“in-network”) shops. The 2026 Insurer Report Card from CRASH Network gave Travelers a grade of C, the same as the previous two years, ranking it 67th overall. That said, Travelers actually ranked in the top two among the 10 largest insurers.⁵

J.D. Power’s 2025 Claims Satisfaction Study also gives me pause. It notes that repair cycle times are still high and takes into account the auto claims process, settlement, claims servicing, estimation process, and rental experience. Travelers scored below average for a second consecutive year, with a claims satisfaction score of 691 — 9 points below the study average of 700.

On the plus side, Travelers’ AM Best rating is A++, which means it’s financially stable and should have no problem paying claims.

Travelers has two mobile apps: its main Travelers app for policy management, and its IntelliDrive app for its safe driving program.

The Travelers Mobile app offers the following:

• Quick access to agent contact information
• Downloadable auto insurance ID cards
• Online/autopay billing
• Roadside assistance tracking
• Policy management
• Claim filing and status updates

Meanwhile, the IntelliDrive app is used only for Travelers’ safe driving telematics program. While it generally has good ratings, reviewers on both platforms are dissatisfied with how the app inaccurately flags distracted driving or hard braking, or gives a “Time of Day” flag for commuting during rush hour (e.g. 8 AM or 4 PM). Remember that if you’re deemed a risky driver by the app, your rate may increase.

Travelers is a solid choice if you’re looking for competitive rates and a wide range of coverage options, particularly if you plan to bundle policies or need specialty coverages like gap insurance or new-car replacement. Its rates are meaningfully below the national average for most driver profiles, and its financial strength is hard to beat with an A++ AM Best rating.

That said, Travelers’ below-average customer satisfaction scores across most regions are worth taking seriously — especially if a smooth claims experience is a priority for you. If you’re in a state where Travelers is available and rates are favorable, it’s absolutely worth getting a quote. Just go in with realistic expectations about customer service, and consider pairing it with one of its stronger discounts, like IntelliDrive or multi-policy bundling, to get the most value out of your policy.

At AutoInsurance.com, we evaluate companies on four criteria:

• Price (40%): We analyze average premiums for both full and minimum coverage for good drivers with solid credit, as well as different driver profiles, including those with at-fault accidents, limited experience (e.g., teenagers), low credit scores, or DUIs. We also take available discounts into account. Our full coverage averages are based on these limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): An effective claims process should be timely, clear, and efficient. We assess insurers based on their communication quality, damage evaluation fairness, and prompt resolution or payment. Our evaluation sources include the CRASH Network Insurer Report Card, J.D. Power’s Claims Satisfaction Report, and financial ratings from AM Best and S&P. When available, we incorporate real customer experiences.
• Customer Experience (25%): We look at the customer journey, from getting a quote and buying a policy to making adjustments or accessing documents. We gather quotes from providers ourselves and evaluate interactions through both online channels and agents, as well as the usability of the insurer’s website and mobile app. Our sources for this assessment include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store feedback.
• Coverage Options (10%): We review the variety of coverage options each company offers, placing value on those that go beyond the minimum state requirements, such as gap coverage, rideshare options, a diminishing deductible, and more.

Read more about our methodology and ratings data sources.