Travelers Auto Insurance Review 2023

Kayda Norman
By Kayda Norman 
Edited by Ben Moore

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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.

Travelers Auto Insurance
NAIC complaints
Fewer than expected
Ease of use
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 earned 4.5 stars out of 5 for overall performance. 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. If you’re looking to work with an agent and buy multiple products from one provider, Travelers might be a good fit.

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.

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 forgiveness. Drivers can choose from two accident forgiveness plans if they want to avoid having their rate increase after an at-fault accident. 

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

Customer satisfaction. Although Travelers boasts few customer complaints, its customer satisfaction ratings are below average for both auto insurance shopping and claims, according to 2022 J.D. Power satisfaction studies.

Compare to other insurers

Travelers Auto Insurance
State Farm Auto Insurance
Geico Auto Insurance
NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Complaints to NAIC

Fewer than expected

Complaints to NAIC

Fewer than expected

Complaints to NAIC

Close to expected

Ease of use


Ease of use

Above average

Ease of use



Great set of discounts


Average set of discounts


Great set of discounts

Bottom line

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

Bottom line

State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

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 $1,751 per year on average for full coverage insurance. That is almost $400 a year less than the average national annual rate of $2,148. Travelers’ rates are cheaper than most other companies we analyzed rates for, with only American Family, State Farm and USAA offering cheaper annual full coverage rates. Although USAA has cheaper rates on average than State Farm, it sells only to former and active military members and their families.


Average annual rate for drivers with a clean record

State Farm


American Family
















*USAA auto insurance is available only to active-duty military members, 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, and 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 drop down below.

🤓Nerdy Tip

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.

How Traveler's 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, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.

Here are Travelers’ average annual auto insurance rates compared to 2023 national averages for full coverage insurance and four driving profiles.

Driving profile

Travelers average rate

National average rate

Good driver, good credit



Recent at-fault accident, good credit



Recent DUI, good credit



Good driver, poor credit



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.

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 in Illinois and Colorado 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.

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 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.

🤓Nerdy Tip

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 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.

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 received an overall satisfaction score of 78 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among seven insurers was 77, and the highest was 82.

However, Traveler ranked at the bottom of the pack for both shopping and claims satisfaction in J.D. Power’s 2022 auto insurance satisfaction studies.

2022 J.D. Power study

Travelers ranking

Auto insurance shopping

No. 8 out of 8 companies.

Auto insurance claims satisfaction

No. 17 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:


2022 auto insurance survey methodology

The survey of 7,755 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June 2022. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness and customer support on a scale of 1-100. 

Of those respondents: 300 were Progressive customers, 300 were State Farm customers, 299 were Allstate customers, 299 were Geico customers, 121 were USAA customers, 116 were Liberty Mutual customers, 105 were American Family customers, 105 were Farmers customers, 105 were Travelers customers and 101 were Nationwide customers.

The results have been weighted to be nationally representative. Additional subgroup sample sizes may be available upon request. Any differences noted between subgroups have been tested at 95% confidence level.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions: -For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state. -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 2020 Toyota Camry L 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Frequently asked questions