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Travelers Auto Insurance Review 2021

Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
May 14, 2021
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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Travelers insurance reviews and ratings

  • One of the largest auto insurance providers.
  • Travelers’ customer satisfaction ratings are below average.
  • Travelers has fewer customer complaints than expected for a company of its size for auto insurance.

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. If you’re looking for an in-person experience with an agent and want to buy multiple products from one provider, Travelers might be a good fit.

Travelers auto insurance

4.5 NerdWallet rating

Travelers auto insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula looks at factors such as account pricing and discounts, website transparency and financial strength. Other factors include ease of filing a claim and complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, Travelers is among NerdWallet’s Best Car Insurance Companies for 2021.

» MORE: Car insurance quotes: What you need to know

Common types of car insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage typeWhat it pays forRequired?
Bodily injury and property damage liabilityCosts for injuries, deaths or property damage from an accident you caused.Typically required.
Uninsured or underinsured motorist coverageMedical and property damage costs after an accident with a driver who has insufficient insurance or none at all.Often required.
Collision coverageRepair expenses from traffic-related accidents, regardless of who's at fault.A car loan or lease may require it.
Comprehensive coverageRepair costs from events outside of your control — including weather events, hitting an animal while driving, theft and vandalism.A car loan or lease may require it.

Beyond the standard coverage options, Travelers has additional auto insurance options available.

  • 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 from Travelers in Illinois and Colorado only for people who drive for companies like Uber or Lyft. Ridesharing companies usually pay for some liability when drivers are en route to pick up a passenger and until drop-off, but not in between rides.
  • IntelliDrive uses an app to track your driving speed, the time of day, and braking and acceleration habits for 90 days. It’s available in 38 states. At renewal, you can get a discount of up to 20% for good driving — or your rates could go up if you have risky driving habits (except in certain states).
  • Premier New Car Replacement can benefit you if your car is totaled and is five years old or newer. This coverage pays to replace the car with a brand new one, 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.
  • Travelers’ Responsible Driver Program offers two types of forgiveness: One accident and one minor violation are forgiven every 36 months, so your rates won’t go up after a crash or ticket.
  • The Premier Responsible Driver Program 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.

» MORE: Compare car insurance rates

Traveler’s auto insurance discounts:

  • Multi-policy discount.
  • Multi-car discount.
  • Home ownership discount.
  • Safe driver discount.
  • Discount for having no gaps in coverage.
  • Discount for owning or leasing a hybrid car.
  • New car discount.
  • Discounts for paying electronically, upfront or on time..
  • Discount for getting a quote before your policy expires.
  • Discount for drivers in high school or college who maintain a “B” average or better.
  • Student away at school discount.
  • Driver training discount.
  • Affinity group discount for being a member of certain organizations.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Travelers homeowners insurance

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.

Travelers complaints and customer satisfaction

Travelers had fewer than the expected number of complaints to state regulators for auto insurance relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

According to J.D. Power Studies, Travelers ranks below average in customer satisfaction scores for auto insurance.

2020 J.D. Power StudyTravelers ranks...
Insurance Shopping (Auto)Below average
Auto Insurance Claims SatisfactionBelow average

» MORE: Travelers renters insurance review

More about Travelers

Website: Travelers’ login portal lets you access all of your insurance information, pay bills, track claims and more. Elsewhere on the website, you can get advice on topics from driving in icy conditions to preventing flood damage.

Mobile app: You can pay bills, file a claim, call for roadside assistance and view policy documents with Travelers’ mobile app, available on iOS and Android.

Voice assistant: If you have a device that uses Amazon’s Alexa virtual assistant, you can manage your Travelers account with Alexa.

Other types of insurance from Travelers 
Condo insuranceIdentity theft insurance
Renters insuranceBoat and yacht insurance
Farm and ranch insuranceCommercial auto insurance
Umbrella insuranceBusiness insurance
Travelers insuranceLandlord insurance

Recap: Travelers pros and cons

Received fewer customer complaints than expected.Customer satisfaction ratings are average or lower.
Lots of available coverage options for auto insurance.Rideshare insurance available only in Illinois and Colorado.
One of the largest insurance providers in the nation.

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.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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