Travelers Insurance Review (2025)
- Overall rating: good (3.8/5 stars)
- Average cost: $737 for a 6-month policy
- 86.6% of customers recommend Travelers
Read more below to get a quote directly from Travelers.
Travelers Insurance: A good choice for budget-conscious shoppers
Consistently one of the cheapest insurance companies available, Travelers earns a good rating from The Zebra for its competitive pricing, generous discount options, and flexible coverage — especially compared to carriers of a similar size.
Our survey results show customers tend to agree. While reviews of Travelers' digital experience are mixed, its affordable rates and broad availability help balance things out.
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Financial Strength Ratings: Strong ratings indicate the carrier can pay claims during major events.
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Agent Knowledge and Helpfulness: Knowledgeable agents resolve issues quickly with accurate information.
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Market Stability and Longevity: Unstable carriers may exit your market or face financial issues.
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Integration with Other Platforms: No integration means managing insurance separately from other accounts.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Travelers car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Travelers is about $737.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Travelers stacks up against competitors →
Discounts offered at Travelers: more options than competitors
You should always look into policy discounts offered by most insurance providers when you're looking for a new car insurance policy. Along with some standard discounts — like multi-policy/bundling, multi-car and safe driver discounts — Travelers offers policyholders some additional ways to save on their monthly premium.
Policyholders can save on their car insurance rates if they own or lease a hybrid or electric car.
Drivers with no gaps in insurance coverage can qualify for this discount.
Travelers offers a student discount if you meet the company's academic requirements by maintaining a "B" average or better.
| Multi-policy discount | New car discount |
| Safe Driver Discount | Good Student Discount |
| Multicar discounts | Continuous insurance discount |
| EFT, pay-in-full and good payer discounts | Student Away at School Discount |
| Home ownership discount | Hybrid/electric car insurance discount |
| Early quote discount | Driver Training Discount |
To learn more about each discount Travelers has to offer, see their discounts page.
Compare with other companies
See how Travelers stacks up against similar companies
Cost: $737 for a six month policy
Customer satisfaction: Medium
Our take:
- Superior financial strength rating from AM Best
- Above average claims satisfaction
- Cheap policy prices
Cost: $1,460 for a six month auto policy
Customer satisfaction: High
Our take:
- Higher prices than Travelers
- Worse customer service scores than Travelers
- Worse trust & reliability scores than Travelers
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: Medium
Our take:
- Higher prices than Travelers
- Worse customer service scores than Travelers
- Better bundling options than Travelers
Travelers's customer service & claims experience: A better experience than most
Travelers's customer service and claims experience score on the higher tier compared to other insurance companies. While their service accessibility & support quality scores are similar to others, where they truly excell is in the claims experience. Travelers has obtained above average customer scores in each catagory in the claims experience, a great sign to ease all policyholders concerns.
Thinking about Travelers?
See what other drivers are asking
Will Travelers pay for OEM parts if my car needs repairs after an accident?
Why does Travelers keep telling me about IntelliDrive?
Should I be worried about a winter driving claim with Travelers?
Travelers Customer Survey results
86.6% of customers recommend Travelers
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Travelers was rated in individual categories by expanding the section below.
Source: The Zebra
How much will your rates climb after filing a claim with Travelers?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $723 |
| One comp claim | $878 |
| Two comp claims | $917 |
| At-fault accident - $1000-$2000 | $1,037 |
| At-fault accident - greater than $2000 | $1,048 |
Source: The Zebra
Travelers's claims process is accessible online and via their mobile app, making it convenient for policyholders. Simple claims are often resolved quickly, along with more complex cases; Customer satisfaction surveys consistently place Travelers in the higher tier, indicating they offer reliable service with no struggle while handling complicated claims efficiently.
Coverage options: Variety in coverage meets your needs
Travelers is competitive with other big-name insurance companies, offering standard collision, comprehensive and liability coverage — along with personal injury protection (PIP), uninsured and underinsured motorist and medical payments coverage.
Let's review some of the additional features and insurance options that may come in handy in the future, and can be added to a Travelers auto insurance policy.
✔️ Accident forgiveness
✔️ New car replacement
✔️ Loan/lease payoff
Confirming your coverage is also easy to do on your Travelers declarations page.
Carrier pulse: Recent news from Travelers
- Travelers Reports Excellent Third Quarter and Year-to-Date Results[3]
Final thoughts: Is Travelers Right for You?
Travelers has been a prominent player in the insurance industry for well over a century and offers an impressive variety of coverage options at a low price point. However, it's also worth noting that while the company starts with lower rates, it tends to raise premiums more sharply after a claim compared to other carriers. All in all, The Zebra still considers Travelers to be a solid, affordable option for car insurance.
Frequently Asked Questions about Travelers
Get quotes from Travelers and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Business Wire. Business Wire.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.