Travelers Auto Insurance Review 2022

Jan 21, 2022

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Our Take


NerdWallet rating 

The bottom line:

Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.


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Travelers Auto Insurance
NAIC complaints
Fewer than expected
Ease of use
Above average
Great set of discounts

Pros & Cons


  • Received fewer customer complaints than expected.
  • Lots of coverage options for auto insurance.
  • One of the largest insurance providers in the nation.


  • Customer satisfaction ratings are below average.
  • Rideshare insurance available only in Illinois and Colorado.

Full Review

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 to work with an agent and buy multiple products from one provider, Travelers might be a good fit.

Travelers is among NerdWallet’s Best Car Insurance Companies for 2022.

Travelers auto 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 in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's 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 type

What it pays for


Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair 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, Travelers offers additional auto insurance options:

  • 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 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.

  • 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 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 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.

Auto insurance discounts

Travelers offers many ways to save on your car insurance, including:

  • Multipolicy discount.

  • Multicar discount.

  • Home ownership discount, even if your house or condo is insured with a different company.

  • Safe driver discount.

  • Discount for having no gaps in coverage.

  • Discount for owning or leasing a hybrid car.

  • New car discount for vehicles less than 3 years old.

  • 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.

Pricing based on tracked driving habits

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 39 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 policy term. It is available in only Arkansas, Nebraska and Ohio. 

Your rates could go up if you have risky driving habits (except in certain states) for both programs.


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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine 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 make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll 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.

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 recent J.D. Power studies, Travelers ranks below average in customer satisfaction scores for auto insurance.

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 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.

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.

  • Travel.

  • Pet.


Insurer complaints methodology

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.

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.

Frequently asked questions