Travelers Auto Insurance Review [2025]: Big on Discounts, Lacking in Service

Travelers offers more auto coverage options and insurance discounts than some of the other major car insurers. However, it also offers lackluster customer service, if you go off the various customer satisfaction metrics we review when assessing insurers.

Of particular concern is its performance in the National Association of Insurance Commissioners (NAIC) complaint index, which shows that the company receives nearly four times the amount of consumer complaints as one would expect based on industry-wide complaint levels.

But Travelers is one of the oldest insurance companies on the market and scores well on financial strength, per AM Best. With that in mind, Travelers could be a good option if you're after a highly customizable auto policy. It also offers many discounts that may help you get more affordable rates. But Travelers' below average performance on customer satisfaction is reason to be wary.

Travelers pros and cons

How much does Travelers cost?

Travelers Insurance was founded in 1864 in Hartford, Connecticut, as an accident insurance company. Today it's one of the oldest and largest U.S. auto insurance companies, with around 30,000 employees and more than 15,000 independent insurance agents in the U.S., Canada, Ireland, and the U.K.

While auto insurance rates can be highly variable based on driver type and record, you can see from the data below that Travelers, in general, is cheaper than many of its competitors, coming in under the national average across most driver and record incident types.

Compare these numbers to the data below to get an idea of how just how affordable Travelers is compared to industry averages:

Is Travelers car insurance good?

Company ratings:

• AM Best: A++
• J.D. Power claims satisfaction: 684/1,000 (study average of 697)
• BBB: A+
• NAIC complaints: 3.96

Travelers performs slightly below to significantly below average on the various industry metrics we review when assessing insurers, though the company gets an A++ for financial strength from AM Best and an A+ from the Better Business Bureau.

However, Travelers registers significantly more customer complaints than expected per the National Association of Insurance Commissioners (NAIC) complaint index. The NAIC complaint index compares insurance providers based on how many complaints they receive relative to a given year's study average across the industry.

The NAIC calculates this by dividing the company's share of complaints by the total countrywide, with the national index set at 1.00, which means that a company with an index of 2.00 would have twice the expected number of complaints. Travelers comes in at 3.96, which indicates it receives a rather noteworthy volume of complaints.

Likewise, it ranked below average on the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, scoring 684 out of 1,000 against the study average of 697. For comparison, the top-scoring company, NJM, got a 782 out of 1,000.

Discounts

As with all insurance companies, Travelers Insurance doesn't have a one-size-fits-all auto insurance rate. There are many factors that affect car insurance rates, such as your location, coverage, credit score, age, and more.

However, Travelers offer an extensive list of discounts that can help reduce your insurance premium.

Intellidrive app

IntelliDrive is Travelers' telematics insurance program. The program requires that you download an app to your mobile device that records your driving habits over three months. You get a discount when you first sign up and another discount when you renew your rates.

Your total discount can be up to 30% if the app determines you're a safe driver. Keep in mind that recorded bad driving habits can increase your premium.

Coverage

Most states require drivers to carry a minimum amount of car insurance, which Travelers can provide. On top of the required auto coverage, Travelers offers a wide range of insurance options.

• Liability protection
• Non-owner insurance
• Personal injury protection (PIP)
• Uninsured/underinsured motorist insurance
• Medical payments
• Collision coverage
• Comprehensive coverage
• Umbrella insurance
• Rental car reimbursement
• Rideshare insurance
• Loan/lease gap insurance
• New car replacement
• Accident forgiveness
• Roadside assistance

Travelers vs. competitors

When you look at Travelers alongside national averages and most of its competitors, its rates are more affordable than most, but not by a huge margin. Regardless, your personal rate is going to be unique to you based on the discounts you qualify for and your record of accidents, speeding tickets, and other incidents. But comparing Travelers' rates to its competitors shows that you're likely to get a decent deal.

Travelers vs. Progressive

Like we said, your final rate will vary based on your driving record and the types and levels of coverage you need, but getting insurance from Travelers could be cheaper or more expensive than getting it from Progressive, depending on what coverage level you choose.

Travelers' monthly average premium for full-coverage auto insurance is $186, according to Insurify, versus Progressive's $142. While Travelers is more expensive than Progressive here, both are cheaper than the national average of $199 per month, though.

Travelers' monthly average for liability-only coverage is just $88, compared to Progressive's $98, though. That's quite a bit lower than the national average of $105 as well.

Travelers vs. GEICO

GEICO comes in a fair bit cheaper than Travelers on premiums, averaging just $55 per month for liability-only coverage, according to Insurify, and $114 per month for full-coverage insurance.

GEICO really pulls ahead of Travelers, though, when you look at its rates for drivers with a spotty record. GEICO quotes an average $145 per month for full-coverage insurance if you have an accident on your record, while Travelers quotes $240. Drivers with a ticket on their record are also likely to get a better deal with GEICO, where the average rate for full-coverage with a ticket is $138 compared to Travelers' $229.

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Other Travelers insurance products

Travelers offers several insurance products other than car coverage. These products can help cover other assets and situations you want to protect. Bundling some of these insurance products with your car insurance may qualify you for a discount.

• Homeowners insurance
• Renters insurance
• Condo insurance
• Landlord insurance
• Pet insurance insurance
• Travel insurance
• Umbrella insurance
• Business insurance
• Motorcycle insurance
• Boat and yacht insurance
• Valuable items insurance
• Wedding and event insurance

FAQs

Bottom line

Travelers Insurance stands out for its breadth of coverage options, add-ons, and discounts. These options and discounts can help you get the exact coverage you need while keeping your premium affordable.

Unfortunately, that customizability and savings come at a price. Many policyholders complain about Travelers' poor customer service and feel dissatisfied with its claim process. Although this may not be enough reason to avoid this insurer, it's something essential to keep in mind when shopping for the best car insurance for you.

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