Travelers
- 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.
NerdWallet's take on Travelers auto insurance
Travelers earned 4.9 stars out of 5 for overall performance, according to our analysis.
Best for: Drivers who want lots of coverage options and convenient online tools should consider Travelers. Travelers’ cheap rates make it a great choice for budget-conscious shoppers — even those with a recent accident or driving violation.
Not ideal for: Drivers who want the highest-rated consumer experience. While Travelers scored well in this area, other insurers did better.
Where Travelers car insurance stands out
Accident and traffic violation forgiveness. Travelers offers two accident forgiveness plans that could help some drivers avoid a rate increase after an at-fault accident or a ticket.
Coverage options. Travelers offers coverage some other insurers don’t, including gap insurance and new car replacement. Both of these coverage types may come in handy if you total a relatively new vehicle.
Affordability. Full coverage car insurance from Travelers is often cheaper than similar coverage from other large insurers. Travelers may be a relatively cheap option even if you have poor credit or an accident, DUI or speeding ticket on your record.
Where Travelers auto insurance falls short
Customer satisfaction. Although Travelers gets relatively few customer complaints, its rating is below average in two national studies on car insurance and customer satisfaction.
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How much does Travelers car insurance cost?
Travelers car insurance costs an average of $1,712 per year for a full coverage policy with comprehensive and collision insurance, compared to the national average of $2,300. This is according to NerdWallet’s November 2025 analysis.
You may be able to find cheaper full coverage, but it depends on your age, driving record, location and how much coverage you have.
Travelers car insurance rates vs. other large insurers
Travelers is generally cheaper than other large insurers for car insurance.
That said, no one company is always the cheapest. Try comparing car insurance quotes before buying a policy. That way, you’ll be confident you’re getting a good deal.
Below are average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit.
» MORE: Compare car insurance rates
Travelers auto insurance rates by age
While we rated Travelers highly, it won’t necessarily be the best (or cheapest) option for drivers of every age. One reason is that your car insurance needs may change throughout your life. This affects the coverage you need, and the insurers that fit your needs.
Price also changes as you get older. Insurers predict how likely you are to file a claim using your age, among other factors. Because younger drivers are less experienced, you’re likely to see higher car insurance costs as a young driver than when you’re older.
Here are Travelers's average car insurance rates for drivers of different ages:
20-year-olds
Travelers: $4,046/year National: $4,684/year
The average cost of Travelers car insurance for 20-year-old drivers is $4,046 per year, or $337 per month. That's less expensive than the national average for this age group, which is $4,684 per year, or $390 per month.
Car insurance tends to be expensive for young drivers. If you’re a young driver and you live with a parent or guardian, it may be much cheaper to join an existing policy than to buy your own.
40-year-olds
Travelers: $1,633/year National: $2,232/year
The average cost of Travelers car insurance for 40-year-old drivers is $1,633 per year, or $136 per month. At this age you may find that Travelers is likely to be cheaper than average, though it depends on where you live.
We also found that Travelers also has cheaper rates for 40-year-old drivers than many other large car insurance companies.
60-year-olds
Travelers: $1,457/year National: $1,988/year
The average cost of Travelers car insurance for 60-year-old drivers is $1,457 per year, or $121 per month. Travelers may have rates that are cheaper than average for many drivers of the same age.
According to our analysis, Travelers also may also have cheaper rates for 60-year-olds than other large car insurance companies.
- More Travelers auto rates by age
Age Travelers median rate National median rate 20 $4,046 $4,684 30 $1,757 $2,375 35 $1,712 $2,300 40 $1,633 $2,232 50 $1,528 $2,074 60 $1,457 $1,988 70 $1,642 $2,125
Travelers car insurance rates by driver profile
We found that Travelers often has cheap car insurance rates for drivers with a recent speeding ticket, at-fault accident or DUI. You may also find relatively cheap car insurance from Travelers if you have poor credit.
Below are Travelers's average full coverage rates for 35-year-old drivers with different records.
Poor credit
Travelers: $2,932/year National: $3,850/year
The average cost of Travelers car insurance for drivers with poor credit is $2,932 per year, or $244 per month. If you have poor credit, Travelers may be a cheaper option compared to the national average
Your credit score can cause your rates to be quite expensive — even if you have a good driving record. If you can, try to and shop again for insurance if you see a change.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
Travelers: $2,210/year National: $2,931/year
The average cost of Travelers car insurance for drivers with a speeding ticket is $2,210 per year, or $184 per month — better for many drivers than the national average.
Travelers may have cheaper car insurance rates after a speeding ticket than many other large auto insurance companies.
At-fault crash
Travelers: $2,410/year National: $3,405/year
The average cost of Travelers car insurance for a driver with an at-fault crash is $2,410 per year, or $201 per month.
While car insurance usually becomes more expensive after a crash, Travelers is often still cheaper than many other large car insurance companies.
DUI
Travelers: $3,025/year National: $4,265/year
The average cost of Travelers car insurance for a driver with an at-fault crash is $3,025 per year, or $252 per month.
That’s often cheaper than the national average, as well as other large car insurance companies.
Travelers auto insurance discounts
Travelers offers many ways to save on your car insurance, including:
Having multiple policies through Travelers.
Insuring more than one vehicle with Travelers.
Owning a home, even if your house or condo is insured with a different company.
Having no accidents or driving violations in the last three to five years.
Having no gaps in coverage.
Owning or leasing a hybrid or electric car.
Insuring vehicles less than three years old.
Paying electronically, on time or all at once.
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 that partner with Travelers.
If you’re looking for the cheapest auto insurance rates possible, you may have to buy the minimum car insurance needed to drive in your state — though be aware this can leave you without enough coverage after a serious accident. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Travelers car insurance coverage
Travelers's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Travelers offers some types of optional coverage, such as:
- Gap insurance
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.
Who might need it? The terms of a lease or loan will likely require you to carry gap insurance. Even if no one requires you to buy gap insurance, it could be worth having for a new car that would rapidly lose value if you totaled it shortly after purchase.
- Rideshare insurance
Rideshare insurance is available for people who drive for companies like Uber or Lyft. Rideshare insurance can fill in coverage gaps left by your rideshare company’s insurance.
Who might need it? Anyone driving for a rideshare company should consider rideshare insurance. Your personal car insurance may provide only some coverage while you’re driving for Uber, Lyft and other rideshare programs. Your rideshare company’s insurance may not cover all periods during your shift.
- Premier New Car Replacement
Premier New Car Replacement is a coverage package that includes new car replacement for cars five years old or newer. New car replacement replaces your damaged car with a new one, once you pay any applicable deductibles. Along with new car replacement, you also get gap insurance and a glass deductible, which lowers your out-of-pocket costs when your car’s glass needs repaired.
Who might need it? Few other insurers offer new car replacement to vehicles that are up to five years old (the cutoff is much shorter with other insurers). This, combined with the convenience of purchasing three types of coverage at once, means it might be a fit for more drivers — but check that its price fits in your budget.
- Responsible Driver Plan
Responsible Driver Plan forgives one accident or one minor violation, so your rates won’t go up after a crash or ticket.
Who might need it? This could be a fit if you’re someone who’s happy to pay a higher premium now to avoid the potential of an even higher future increase. Having an accident or driving violation can cause the cost of car insurance to increase significantly.
- Premier Responsible Driver Plan
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.
Who might need it? This coverage option has a similar upside to the basic Responsible Driver Plan. It might be a better option for you if the cost is right and you want to limit your out-of-pocket expenses on a future claim.
- Non-owner car insurance
Non-owner car insurance provides liability coverage for drivers who don’t own a car, but still regularly drive.
Who might need it? It’s worth considering this type of coverage if you regularly use someone else’s car, like a friend’s car, company car or a rental. You may also want to get this type of coverage if you don’t often drive but need insurance to restore your license after a suspension.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Travelers usage-based insurance
You might be able to lower your car insurance rates by signing up for IntelliDrive, the usage-based insurance program from Travelers. If you agree to share details about your driving with Travelers for 90 days, you could qualify for a discount of up to 30% at renewal. But if it turns out that you’re a risky driver, your rates could also go up.
IntelliDrive collects details about your braking, acceleration, speed, phone use and the time of day that you drive. All of these factors feed into your driving score, which Travelers uses to determine your discount (or rate increase).
Travelers also offers IntelliDrivePlus in Arkansas, Nebraska and Ohio. IntelliDrivePlus tracks your driving behavior and the number of miles you drive. It works continuously — not just for 90 days.
Is Travelers a good insurance company?
Travelers is a strong car insurance company compared to many large insurers. Travelers offers a range of coverage options, and there’s a good chance that you’ll be able to find relatively cheap car insurance, even if you don’t have a spotless driving record.
Complaints: Travelers gets fewer complaints than expected for a company of its size, according to our analysis of three years' worth of data from the National Association of Insurance Commissioners.
Shopping: Travelers ranks below average on J.D. Power’s U.S. Insurance Shopping Study, which measures how shoppers feel about the buying process.
Claims satisfaction: Travelers ranks below average on J.D. Power’s Auto Insurance Claims Satisfaction study, which looks into how customers feel about a company’s claims process.
See what you could save on car insurance
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More information about Travelers about insurance
Customer service: You can reach Travelers’ billing and customer service by calling 888-564-5043. Call 800-252-4633 for the insurer’s claims service.
Website: Travelers has a website that’s easy to use and loaded with lots of information. If you have questions about your policy, need to file a claim or want to know more about what Travelers offers, you shouldn’t have a problem finding answers.
Mobile app: The MyTravelers mobile app on Android and iOS allows you to pay your bill, view your insurance cards, file and track claims, manage your policy, and contact an agent or customer service.
Other Travelers insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM 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 the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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.
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 or working with a local agent.
Does Travelers offer rideshare insurance?
Does Travelers offer rideshare insurance?
Yes, Travelers offers rideshare insurance in some states, though not in California.
How can I contact Travelers?
How can I contact Travelers?
You can reach Travelers customer service 24/7 at 888-564-5043. 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.
Where does Travelers sell auto insurance?
Where does Travelers sell auto insurance?
Travelers offers auto insurance policies in all states except Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia 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. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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 2022 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.
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.
