Travelers
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.- Received fewer customer complaints than expected for auto insurance.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Rideshare insurance is not available in all states.
Travelers earned 5 stars out of 5 for overall performance in our Travelers car insurance review. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Travelers is one of the most enduring and well-known names in insurance. It’s among the nation’s largest providers of auto insurance policies and is available in most states. If you’re looking to work with an agent and buy multiple products from one provider, Travelers might be a good fit.
» MORE: The best car insurance companies
Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
- How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Where Travelers stands out
Accident and traffic violation forgiveness. Qualifying drivers can choose from two forgiveness plans if they want to avoid having their rate increase after an at-fault accident or a ticket.
Coverage options. Travelers offers coverage that some insurers don’t, including gap insurance and premier new car replacement. Both of these coverage types come in handy if you total a relatively new vehicle.
Where Travelers falls short
Claims satisfaction. Although Travelers boasts few customer complaints, its customer satisfaction rating is below average in J.D. Power's 2024 auto insurance claims satisfaction study .
Compare to other insurers
NerdWallet rating 5.0/5 |  NerdWallet rating 5.0/5 |  NerdWallet rating 4.5/5 |
Discounts Great set of discounts | Discounts Average set of discounts | Discounts Great set of discounts |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
NAIC complaints Fewer than expected | NAIC complaints Fewer than expected | NAIC complaints Close to expected |
Bottom line Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. | Bottom line With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. | Bottom line With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance. |
How much does Travelers car insurance cost?
Travelers car insurance costs an average of $1,794 per year for full coverage, compared to the national average of $2,571. These rates are according to NerdWallet’s July 2025 analysis.
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $3,919 | $846 |
| American Family | $2,583 | $717 |
| Farmers | $4,529 | $1,176 |
| GEICO | $2,275 | $492 |
| Nationwide | $2,724 | $893 |
| Progressive | $2,228 | $650 |
| State Farm | $2,440 | $505 |
| Travelers | $1,794 | $510 |
| USAA* | $1,670 | $342 |
*USAA is only available to military, veterans and their families.
These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and any additional insurance a state requires a driver to have. These rates are averages based on NerdWallet’s October 2024 analysis. Your own price will depend on your driving history, car make and model, location and other factors.
For more information on Travelers car insurance rates, including rates after an at-fault accident or DUI, check out the table below.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How Travelers' rates compare
Your car insurance rate is determined by a variety of factors, including your driving record and credit history in most states. California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.
Here are Travelers’ average annual auto insurance rates for different coverage types and driving histories compared to national averages, according to NerdWallet’s July 2025 analysis. Rates are for full coverage car insurance unless otherwise specified.
| Driver profile | Company average rate | National average rate |
|---|---|---|
| Minimum coverage | $510 | $619 |
| Full coverage | $1,794 | $2,571 |
| One speeding ticket, good credit | $2,238 | $3,257 |
| One at-fault crash, good credit | $2,445 | $3,798 |
| One DUI, good credit | $3,024 | $4,841 |
| Clean driving record, poor credit | $3,031 | $4,285 |
Travelers auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Travelers offers the usual auto coverage choices, plus some optional features you can add (depending on your state) for an extra cost. These include:
Gap insurance protects your auto lease or loan. If your car is totaled before it’s paid off or the lease is up, Travelers pays the difference between your loan’s balance and the car’s value when it’s totaled.
Rideshare insurance is available for people who drive for companies like Uber or Lyft. Rideshare insurance covers you from the moment you turn on the rideshare app up until you pick up a passenger, then your rideshare company’s insurance is in effect.
Premier New Car Replacement can benefit you if your car is totaled and is 5 years old or newer. This coverage pays to replace the car with a new one, once you pay any applicable deductibles, plus includes gap insurance to pay off any loan or lease balance when the car is totaled. If your car’s glass needs to be repaired, enrolling in this program means you could have a lower deductible.
Responsible Driver Plan forgives one accident and one minor violation over a specified period, so your rates won’t go up after a crash or ticket.
The Premier Responsible Driver Plan includes the above accident and violation forgiveness perks, as well as a decreasing deductible ($50 off for every six months accident-free, up to $500 off your deductible). If your car is totaled, your deductible is waived in this program.
Travelers also offers non-owner car insurance, which provides liability coverage for drivers who don’t own a car, but still regularly drive.
» MORE: Compare car insurance rates
Auto insurance discounts
Travelers offers many ways to save on your car insurance, including discounts for:
Having multiple policies through Travelers.
Insuring more than one vehicle.
Home-ownership, even if your house or condo is insured with a different company.
Safe driving.
Having no gaps in coverage.
Owning or leasing a hybrid or electric car.
Insuring vehicles less than 3 years old.
Paying electronically, upfront or on time.
New customers who get quotes before their current policies expire.
Drivers in high school or college who maintain a “B” average or better.
Students who are away at school.
Completing a driver training course.
Being a member of certain organizations.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
IntelliDrive uses an app to track your driving speed, the time of day, phone use, and braking and acceleration habits for 90 days. It’s available in 42 states and Washington, D.C. At renewal, you can get a discount of up to 30% for good driving.
Travelers also offers IntelliDrivePlus, which provides a rate at each renewal period based on driving behavior that’s tracked throughout your entire policy term. It’s only available in Arkansas, Nebraska and Ohio.
Your rates could go up if you have risky driving habits (except in certain states) for both programs.
Is Travelers a good insurance company?
Travelers received an overall satisfaction score of 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2024. To put that in perspective, the average score among eleven insurers was 79 and the highest was 81.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Complaints and customer satisfaction
Travelers had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Travelers ranked No. 6 out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction .
J.D. Power study | Travelers ranking |
|---|---|
Auto insurance shopping (2024) | No. 6 out of 17 companies. |
Auto insurance claims satisfaction (2024) | No. 18 out of 21 companies. |
More about Travelers auto insurance
Website: Travelers’ login portal lets you access all of your insurance information, pay bills, track claims and more. Elsewhere on the website, you can find an agent, get a quote and read advice on topics such as driving in icy conditions and preventing house fires.
App: You can pay bills, file a claim, call for roadside assistance and view policy documents with Travelers’ mobile app, available for iOS and Android.
Homeowners and renters insurance from Travelers
Travelers offers homeowners insurance with all of the standard coverage options, plus additional features you can buy. To learn more, see NerdWallet’s Travelers home insurance review.
The company also offers policies for those who don’t own their own homes. See our Travelers renters insurance review.
Other insurance from Travelers
Travelers offers these additional insurance policies:
Condo.
Umbrella.
Boat and yacht.
Commercial auto.
Business.
Landlord.
Wedding and event.
Travelers sells the following types of insurance through third parties:
Motorcycle, through Dairyland.
Pet, through ASPCA.
Flood, through Neptune Flood.
Travel, through Travel Insured International.
Frequently asked questions
How do I file a claim with Travelers?
How do I file a claim with Travelers?
You can report a claim through the Travelers website or app, though the company recommends calling if anyone was injured in the accident or there’s significant property damage.
How do I get a Travelers quote?
How do I get a Travelers quote?
You can get a quote by visiting the Travelers website, calling the company directly or working with a local agent.
Does Travelers offer rideshare insurance?
Does Travelers offer rideshare insurance?
Yes. For other options, see NerdWallet’s guide to rideshare insurance.
How can I contact Travelers?
How can I contact Travelers?
You can reach Travelers customer service 24/7 at 866-336-2077. Travelers also offers direct phone numbers to various departments depending on what you need help with, including help with roadside assistance, policy questions and technical issues.
In what states does Travelers sell auto insurance?
In what states does Travelers sell auto insurance?
Travelers offers auto insurance policies in all states except Alaska, Hawaii, West Virginia, Louisiana, Michigan, South Dakota, North Dakota and Wyoming. Travelers also sells car insurance in Washington, D.C.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2023 U.S. Auto Claims Satisfaction Study. Accessed May 2, 2025.
- 2.J.D. Power. 2024 U.S. Auto Insurance Shopping Study. Accessed .
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
