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Travelers insurance at a glance

  • Travelers offers a number of bundling options, including home, auto and pet insurance
  • Travelers auto insurance ranked well in The Zebra's Customer Satisfaction Survey
  • Lots of discount opportunities
  • Perks for environmentally-minded homeowners
  • Travelers homeowners insurance was among the lowest in The Zebra's Customer Satisfaction Survey
  • Policy options are less robust than some competitors

Travelers auto insurance review

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4 Rating from The Zebra

The company is responsible for writing the very first automobile insurance policy in the United States, among other industry firsts. The insurance company got its start in 1864, originally providing travel insurance to railroad passengers. Today, customers can expect auto policies as well as a number of other coverage types that can suit a variety of needs.

Explore our Travelers car insurance review to find out more about coverage options, features and discounts to help you evaluate if it's the right company for you.

The Zebra Customer Satisfaction Survey — 4.3/5: Travelers auto insurance ranked 6th overall, generally scoring high in most categories.

Claims satisfaction (J.D. Power) — Below average: Travelers earned a below-average rating in J.D. Power's 2020 Claims Satisfaction Study. 

Customer satisfaction (J.D. Power) — Below average: Customers gave Travelers below-average ratings in overall customer satisfaction according to J.D. Power's 2021 study.

Financial strength — Superior: This rating indicates Travelers' excellent financial health means that their ability to pay insurance claims remains high.

NAIC Rating — Good: The National Association of Insurance Commissioners (NAIC) received fewer complaints than average regarding Travelers in 2020.

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Where is Travelers auto insurance available?

Travelers auto insurance is available in the following states:

CompanyStates available

Travelers car insurance




Travelers car insurance coverage options

Travelers is competitive with other big-name insurance companies, offering the 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

Travelers auto insurance offers two levels of coverage that include accident forgiveness, which shields your premium by forgiving one accident every 36 months. Travelers' Responsible Driver Plan℠ includes minor violation forgiveness in addition to accident forgiveness; this forgives one minor traffic violation every 36 months and protects your premium from increasing by doing so.

You can take your coverage a step further by enrolling in their Premier Responsible Driver Plan®, which includes accident forgiveness and minor violation forgiveness, but also adds two additional benefits: Travelers' Decreasing Deductible® gives a $50 credit (up to $500 and will be applied toward your deductible in a covered loss) for every six months that all drivers on the policy are free of accidents or major violations. The second added benefit waives your deductible if your car is totaled.


Lease/loan gap insurance coverage

Typically, if your leased or financed car is deemed a total loss in an accident, your insurance company pays you the actual cash value of your vehicle which deducts for depreciation. This potentially leaves you in a situation where you still owe money on your loan or lease because of the gap between the actual cash value of your car and the remaining unpaid balance with your lender. Gap insurance covers the remaining amount so it doesn't have to come out-of-pocket.

New car replacement

This coverage will replace your new car with the same make and model if it's totaled within the first five years of ownership. Many insurers offer this coverage but it usually only applies for one to three years of ownership. Travelers bundles this option with the lease/loan gap insurance mentioned above, along with a lower auto glass deductible.

Rental car coverage

If your car is damaged in a covered loss and will be out of commission for more than 24 hours while it's being repaired, Travelers will cover rental car expenses.

Roadside assistance

Travelers auto insurance has two plans to choose from when it comes to roadside assistance: basic coverage and Premier Roadside Assistance®. At the basic level, towing is covered up to 15 miles and includes standard roadside assistance, including jumpstarts, flat tire assistance and lockouts. However, if you opt for their Premier Roadside Assistance®, Travelers bundles a few features — in addition to roadside assistance, the company will cover towing expenses for up to 100 miles, and also include trip interruption coverage and personal property coverage. Trip interruption coverage reimburses you for meals and lodging if your vehicle breaks down at least 100 miles from your home and is out of commission for over 24 hours. Personal property coverage comes with a $500 limit and replaces stolen or damaged personal property in the event of a covered loss during your trip.



Travelers insurance discounts and rewards programs

Depending on your driving history and location, premiums can be pricey. But they don't have to be. You should always look into policy discounts offered by most insurance providers when you're looking for new a car insurance policy. Along with some standard discounts, Travelers offers policyholders some unique ways to save on your monthly premium.

Discounts based on your policy

  • Multi-policy:It's always smart to bundle your policies from one insurer and Travelers offers some savings in this regard. For example, you can save up to 10% if you bundle your car and Travelers home insurance policies and up to 5% if you bundle renters and auto policies.
  • Multi-car: If you insure two or more cars on one policy, you may be eligible for up to an 8% discount.
  • Continuous insurance: Get up to 15% if you have no gaps in your insurance coverage.
  • Early quote: If you're a new Travelers customer and get a quote before your current policy expires, you can expect a 3-10% discount on your new policy.
  • Billing:Get up to 7.5% off if your bill is paid in full, 2-3% off if you pay via electronic funds transfer or payroll deduction or up to 15% simply by paying your premium consistently and on time.

Discounts based on the driver or vehicle

  • Safe driver: Travelers recognizes good driving records by rewarding drivers with no accidents or violations with up to 10% off, and even more of a discount (up to 23% off) if you haven't had any infractions in the past five years.
  • New car: You can get up to 10% off for purchasing or owning a newer vehicle that's less than three years old.
  • Homeownership:If you're a homeowner, you may be eligible for up to a 5% discount on your car insurance even if your condo or homeowners insurance isn't through Travelers.
  • Hybrid/electric vehicle: Policyholders can save on their car insurance rates if they own or lease a hybrid or electric car.
Travelers telematics

Travelers IntelliDrive® 

If you live in an eligible state, you can enroll in Travelers' telematics program, an app that tracks and evaluates your driving habits for 90 days. You can enjoy an introductory discount just for enrolling. Once the program is over, you can save up to 20% if the program determines that you're a safe driver.

However, keep in mind that discounts may depend on the state you reside in. Also, if the program deems you to be a risky driver, you might actually see your premium increase.

Discounts for young drivers

  • Good student: Travelers offers a student discount if you meet the company's academic requirements by maintaining a "B" average or being in the top 20% of your class.
  • Student away at school:If one of the dependents on your car insurance policy is a student who resides at least 100 miles from home and won't be driving your car(s), you may qualify for a 7% discount.
  • Driver training: Complete a Travelers-approved driver education course and save up to 8% on your premium.

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Travelers car insurance rates

See how Travelers car insurance rates compare with competitors below. 


Travelers auto insurance rates vs. other companies

Travelers vs. Competitors (auto).png
Insurance CompanyAverage Monthly Cost
State Farm$108

Travelers rates by age group

Travelers vs. Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s
State Farm$281$142$106$104$98$96

Travelers car insurance rates by violation

Travelers vs. Competitors by Violation.png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI
State Farm$130$135$157


Where is Travelers auto insurance cheapest?

Travelers is among the most affordable car insurance companies in the below four states.

StateMonthly Premium
Rhode Island$111
South Carolina$112

Travelers insurance bundling options

Travelers offers the opportunity to bundle many types of insurance coverage, allowing you to both save money and simplify your insurance payments. Have a look at this list of coverage options to what's available from Travelers. 


Coverages offered by Travelers insurance

Insurance type

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Travelers homeowners insurance review

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3.5 Rating from The Zebra

As one of the most prominent brands in the U.S. insurance market, Travelers homeowners coverage is a popular option.

In general, the company received solid ratings from most rating agencies and logged fewer complaints than average through the NAIC. However, the company's homeowners insurance products did not rate quite as well in The Zebra's Customers Satisfaction Survey. 

Still, Travelers home insurance is reasonably affordable and offers a number of options to customize coverage. Have a look at our review below to get an idea of what a Travelers homeowners insurance policyholder can expect.

The Zebra Customer Satisfaction Survey — 4.3/5: Travelers ranked 14th of 15 in the overall homeowners carrier category of The Zebra Customer Satisfaction Survey.

Claims satisfaction (J.D. Power) — Average: Travelers earned average marks for claims satisfaction in J.D. Power's most recent study.

Customer satisfaction (J.D. Power) — Below average: Travelers came in just shy of the average for customer satisfaction in J.D. Power's study. 

Financial Strength (AM Best) — Excellent: With its sturdy financial standing, Travelers will be able to handle your claims.

Claims Satisfaction (NAIC) — Good: The average number of complaints across branches of Travelers homeowners insurance companies was lower than average.

Travelers homeowners insurance availability

Travelers homeowners insurance Washington D.C. and the following states.

CarrierStates Available
Travelers home insuranceAL, AZ, AR, CA, CO, CT, DC, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MA, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WI, WY


Travelers home insurance coverage options

Homeowners policies through Travelers will include standard coverage options such as dwelling, other structures, personal property, liability, medical payments and additional living expenses. Here are some of the additional coverage types that Travelers policyholders can choose from. 

  • Special Personal Property Coverage: This option provides broader coverage for your personal belongings, covering them in more situations than standard personal property coverage. 
  • Contents Replacement Cost: With this option, your personal property is covered at the value it would cost to replace it; depreciation is not factored in. 
  • Additional Replacement Cost Protection Coverage: This option helps cover repairs and building expenses if the cost of repairs is higher than your standard policy limits.
  • Jewelry and Valuable Items: This allows you to expand coverage limits on certain high-value items that wouldn't be fully covered under a standard policy.
  • Personal Articles Floater: A separate policy for high-value items that need extra protection.
  • Water Backup and Sump Pump Discharge or Overflow: Not covered under standard plans, this coverage steps in to cover damage related to water from backups and sump pumps
  • Identity Fraud: This option provides up to $25,000 to help identity restoration expenses after a loss.
  • Green Home Coverage: Helps to repair or replace damage to your home with green home materials, which may be more costly than standard building materials. 


Travelers homeowners insurance discounts

Expect the following homeowners insurance discounts from Travelers:

  • Homebuyers discount: Save money if you've purchased your home within the past 12 months.
  • Multi-policy discount: Travelers advertises up to 12% savings if you combine your home coverage with at least three other policy types.
  • Loss-free discount: Going without a loss for a specified amount of time can lead to savings.
  • Protective device discount: Smoke detectors, smart home technology and monitored security systems are just a few of the items that can lead to savings.
  • Green home discount: Travelers offers up to 5% saving if your home is certified "green" by the Leadership Energy and Environmental Design (LEED) organization.


Travelers home insurance rates

Below you'll find a rundown of the average cost of Travelers versus some top competitors. The rates that follow are broken down to the monthly national average. Your actual rates may vary depending on where you live and on factors such as your claims history, credit score and even your age. 

Travelers vs. Competitors.png
Insurance Company
Average Monthly Cost
State Farm$122


Where is Travelers home insurance cheapest?

Travelers ranks as one of the more affordable homeowners insurance companies in these three states.

StateMonthly Premium

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How to cancel Travelers insurance

To cancel your Travelers policy, simply call 1-800-842-5075 to speak with a representative and request cancellation. You may also be able to stop by your local Travelers insurance office to request cancellation from an agent as well. They can help determine if any early cancellation fees apply or if you are due a refund on already-paid premiums. Be sure that you have a new policy in place before canceling your current coverage.

When canceling your Travelers policy, follow these steps:

  1. Provide your policy number and other customer details
  2. Request that your contract and any recurring payments be canceled effectively immediately
  3. Answer any follow-up questions honestly
  4. Request that a confirmation email be sent


Can I cancel Travelers insurance in the middle of my policy term? 

Yes. A Travelers insurance policy can be canceled in the middle of the term. However, before canceling your coverage, it's crucial that you have another policy in place to avoid gaps in your insurance coverage. Start the process of comparing quotes and obtaining a new policy before terminating your Travelers coverage.

Travelers insurance online features 

Travelers has a number of online features available to policyholders through the MyTravelers® account. Customers can do the following through the online portal:

  • Report claims
  • Pay bills
  • Set up automatic payments
  • See policy and billing info
  • View/print insurance cards


Travelers mobile apps

Below are the apps that Travelers provides for policyholders. See the car insurance discounts section above for information on Travelers telematics program. 

  • Travelers Photo Capture Auto: This app guides policyholders through the process of making an auto claim by providing photos and videos of the damaged vehicle.
  • Travelers Mobile: The standard app that allows you to pay bills, access ID cards, manage your policy and more.

Key customer satisfaction survey findings — Travelers


Overall takeaways

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness and willingness to recommend.

Auto insurance

Travelers auto insurance ranked sixth place out of the 15 companies surveyed. The highest scores came from claims and customer service satisfaction. Generally, the company received more favorable scores from female respondents and those who fall into Generation X. In short, respondents with Travelers auto insurance were generally pleased with their experience

Homeowners insurance

Among the 15 carriers included in the survey, Travelers home insurance ranked 11th overall. The ranking for claims satisfaction was particularly low, coming in at 14th. In general, women rated the company significantly higher across all categories, though the company suffered from low scores for trustworthiness. In general, homeowners looking for top home coverage may want to shop around before settling with Travelers.

Travelers survey highlights

Survey highlights

  • Travelers auto insurance ranked well across most categories
  • Home insurance ranked poorly in almost every category, but received more favorable ratings from female respondents
  • Trust scores were near last place for homeowners coverage among many different age groups
  • The company ranked fourth place for customer service satisfaction for auto insurance
  • Travelers auto was ranked third overall for Gen X-ers

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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 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.