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Travelers had already been around for 33 years when it issued its first automotive policy way back in 1897. The date is significant not just as a bullet on the company timeline, but because, according to Travelers, that policy was the first automotive policy ever written.

During its more than 160-year history, Travelers has had plenty of time to rack up other firsts, including the first accident insurance policy of any kind in 1864, the first aircraft liability insurance in 1919, the first RV converted for use as a mobile claim office in 1968, policies for lunar and space exploration in 1969, and the first discounts for drivers of hybrid vehicles in 2006.

With 30,000 employees and 13,500 independent agents operating in the United States, Canada, the United Kingdom, Ireland, and Brazil, the Hartford, Connecticut, based Travelers is one of the largest providers of personal, business, and specialty insurance and is the only property insurance company listed on the Dow Jones Industrial Average.

Travelers Rating and Review

Rating: 4.03 / 5

Travelers scored very well in our survey, with a second-place overall ranking, bested only by USAA. Customer service, satisfaction with status updates during the claim process, and satisfaction with claim resolution were particularly strong points for Travelers. When it came to ease of filing a claim, Travelers scored very well but slightly worse than State Farm, Geico, and Farmers in addition to USAA.

Most Travelers customers gave their insurer high scores for ease of filing a claim, with 75 percent of respondents saying they were either satisfied or very satisfied. The scores were even higher for satisfaction with customer service, with slightly more than 78 percent saying they were either satisfied or very satisfied. That compares with just 7 percent and 5.5 percent who gave Travelers the lowest score in each of those categories.

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Travelers also received high marks for satisfaction with status updates, although scores were not as high as with ease of filing a claim and customer service. Slightly more than 68 percent of respondents said they were satisfied or very satisfied. Once the whole process was done, more than 78 percent were either satisfied or very satisfied with how their claim was resolved.

When it came to our question about value, however, Travelers did not fare as well. Just 66 percent of respondents were either satisfied or very satisfied, and 12 percent gave Travelers the lowest score – a higher percentage of negative responses than Travelers received on any other question. Most of those negative comments were related to cost.

“Filing one claim caused my insurance to increase dramatically,” wrote one unhappy customer, who went on to say their rates stayed at that higher level for four years. Another said they switched to another insurer after their rates doubled.

Still, 64 percent said they were either likely or very likely to recommend Travelers to someone shopping for insurance, and more than 73 percent said they were likely or very likely to renew. That compares to 12 percent and 16 percent who responded in the negative to the same two questions.

Travelers Is the 2nd Best Car Insurance Company

See the Best Car Insurance Companies

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

How We Created This Travelers Car Insurance Review

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

The Travelers Indemnity Company

We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 61 filed a claim with Travelers. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Travelers Car Insurance Costs

See the Cheapest Car Insurance Companies

With an average annual cost in our study of $1,212, Travelers was the third least expensive provider of car insurance in our analysis. Only Geico and USAA were cheaper. But even with its relatively reasonable representative rates, Travelers drew complaints from survey respondents about value.

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Travelers Car Insurance Rates by Age

To determine the average study rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Travelers rates in our study were most  expensive for our young driver profiles, at $1,371.80 annually on average for a typical 25-year-old single male profile in our sample group and $1,281.93 for a 25-year-old single female profile. By the time our sample driver profiles reached the age of 35, Travelers' study rates dropped to  $1,212.63 on average for a married male profile and $1,198.69 for our married 35-year-old female profile. The rates in our analysis continued to fall as our sample driver profiles aged, with our sample 60-year old married male profile paying $1,109.71 on average, while our 60-year old female paid $1,096.29.

Group

Average Rate

Single 25-year-old male

$1,371.80

Single 25-year-old female

$1,281.93

Married 35-year-old male

$1,212.63

Married 35-year-old female

$1,198.69

Married 60-year-old male

$1,109.71

Married 60-year-old female

$1,096.29

Travelers Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance representative rates with Travelers: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

How much our sample driver profiles traveled annually made little difference in the representative rates with Travelers. Those who traveled 6,000 miles per year paid $1,183.08 on average, while our sample drivers who traveled 12,000 miles a year paid only $28.76  more, or $1,211.84.

Annual Mileage

Average Rate

6,000 miles annually

$1,183.08

12,000 miles annually

$1,211.84

Travelers Car Insurance Rates by Coverage Type

Travelers, like most major insurers, offers car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how study rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Opting for high coverage limits rather than low added only $110 more per year for our sample driver profiles with Travelers, which is fairly typical compared to other companies in the study. Minimal coverage had a study cost of $1,144.59 on average with Travelers, while high coverage was $1,254.59. The extra expense for more coverage would seem like a wise investment: Given the high cost of medical care and car repairs, $110 won’t buy much of either.

Coverage Type

Average Rate

Low

$1,144.59

Medium

$1,211.84

High

$1,254.59

Travelers Car Insurance Rates by Credit History

Our study verified that credit score also affects car insurance representative rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Our sample driver profiles with poor credit paid around $900 more for car insurance with Travelers annually than those with good credit, or study rates of $2,031.66 and $1,144.39, respectively. While not insignificant, that’s less of a difference than with many of their competitors in our study. With State Farm, the difference was almost $1,600.

Credit History

Average Rate

Good

$1,144.39

Fair

$1,373.69

Poor

$2,031.66

Travelers Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

The survey found that Travelers charged higher penalties than many competitors for our sample driver profiles with violations on their record. Those with a clean record paid $1,211.84 annually on average, among the lowest representative rates in our survey. One speeding violation boosted the study rates by almost $500, to $1,672.66. Sample driver profiles with Travelers and one accident, however, paid almost $200 less than the average for competitors, at $1,739.23. But one DUI brought the annual average study rate for our sample driver profiles to $2,511.64 with Travelers, more than all others except Geico, Allstate, and Nationwide (which was the most expensive of all, at $3,151.30).

Driving Record

Average Rate

Clean record

$1,211.84

With 1 speeding violation

$1,672.66

With 1 accident

$1,739.23

With 1 DUI

$2,511.64

Who Should Get Travelers Car Insurance?

Younger  drivers and those with a clean record would do well to consider Travelers, as would those who put a high value on service and are willing to pay for it. While Travelers was not the most affordable car insurance choice pretty much across the board, their study rates were among the most affordable for our young driver profiles and those with a clean record. Travelers representative rates were among the highest of all companies in our survey for drivers with a DUI offense. For all others, Travelers study rates were closer to the average.

Travelers Auto Insurance vs. Progressive Auto Insurance 

No. 2-ranked Travelers outscored seventh-ranked Progressive across all questions in our survey except ease of filing a claim and how likely survey participants were to recommend their insurance company to others. Here, the two companies were virtually tied. Travelers held the biggest advantage in scores for customer service and satisfaction with how a claim was resolved.

In terms of cost, neither company was the most expensive nor the most affordable in our study for our sample driver profiles, but Travelers had better representative rates for the young driver profiles. The two companies had very similar study rates for all other age groups. An interesting side note is that while survey participants gave Travelers and Progressive similar scores when asked whether they would recommend their car insurer to someone else, Travelers customers said they were more likely to renew.

Travelers Auto Insurance vs. State Farm Auto Insurance 

Overall survey scores were very close between second-ranked Travelers Insurance and third-ranked State Farm. State Farm had a slight edge for ease of filing a claim and how likely customers were to renew their policy, along with a razor-thin margin for value. In response to all other survey questions, Travelers maintained the advantage, although by a very slim margin.

The study found representative rates between the two were very close, with  Travelers costing our sample driver profiles about $50 less annually than State Farm on average. Travelers was much more affordable for our profile with a poor credit score, though State Farm's representative rate for the driver profile with a DUI was cheaper than Travelers'.

Travelers Auto Insurance vs. Allstate Auto Insurance

Despite consistently higher scores than Allstate across virtually all questions in our survey, second-ranked Travelers and eighth-place Allstate were tied when respondents were asked about satisfaction with ease of filing a claim. Beyond that, Travelers handily outscored Allstate in other areas, with the biggest advantages in customer service, satisfaction with how their claim was resolved, value, and how likely they were to renew.

Travelers was about $570 less than Allstate on average for all the driver profiles in our study, with annual representative rates of $1,121.84 compared to $1,777.66 for Allstate. Allstate study premium was almost $1,000 more expensive for the driver profile with a poor credit score.

Types of Coverage From Travelers Car Insurance

Travelers offers all the basic types of car insurance, including liability to cover you in the event of property damage or injury to others in a crash where you are at fault; collision coverage to pay for repairs to your car; comprehensive coverage to protect your vehicle against damage caused by anything other than a crash, including theft, vandalism, storm damage, or a collision with an animal; and personal injury protection to pay for medical expenses, lost wages, child care, and other expenses following a crash. Uninsured or underinsured motorist coverage helps pay for damages and medical expenses following a collision caused by someone with no insurance or inadequate coverage, and medical payments coverage helps pay for injuries to anyone in your vehicle.

Other available coverages include gap insurance to help pay the difference between your car’s value and what you owe on it in the event of a total loss, rental car coverage to pay for transportation if a crash takes your car out of commission for 24 hours or more, and 24/7 roadside assistance to provide emergency services such as a jump start, flat tire change, fuel delivery lockout assistance, or limited towing if all else fails. In addition, upgraded Premier roadside assistance adds increased towing of up to 100 miles, trip interruption reimbursement of up to $200 per day for lodging and food if a breakdown occurs more than 100 miles from home, and $500 in personal property insurance for items stolen or damaged following a crash.

Travelers also offers new car replacement coverage to provide you with a new car of the same make and model if yours is totaled within the first five years of ownership, and forgiveness for minor violations and accidents to reduce the likelihood of a rate increase following a claim.

Travelers Car Insurance Complaints

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Most of the complaints we heard about Travelers insurance had to do with cost, and this was reflected in their overall score for value. Big rate hikes following a claim were a common theme.

“I switched to another company after rate premiums were doubled,” said one respondent. “Too expensive. I switched to Geico,” said another.

Travelers Car Insurance Discounts

Travelers offers discounts of up to 15 percent for customers who bundle their auto insurance with a homeowners or renters policy, and discounts are also available for combining car insurance with a policy for a boat or other valuables. Multi-car families and individuals may get a discount for including two or more cars on the same policy.

Students who maintain at least a B average or are away at school may also be eligible for a discount, as well as young drivers who complete an approved training course. Drivers who maintain a safe record for three years may be entitled to lower rates, and long-term customers may also get a break. Driving a newer vehicle may translate into reduced rates, particularly if it is a hybrid or electric model. Paying by automatic electronic transfer or payroll deduction may also save you money, as may paying in full or consistently paying on time.

Discounts are also available through partnerships with certain businesses and credit unions, and the IntelliDrive program may entitle you to reduced rates if you consent to using a phone app to track your behavior behind the wheel for 90 days. On the other hand, poor driving habits may make them go up.

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Other Types of Policies From Travelers

Along with car insurance, Travelers offers policies for boats and yachts. Beyond accident, fire, and theft coverage, boat coverage can also include specialized items such as commercial towing and fuel-spill coverage.

Travelers Financial Fitness

With 4,396,705 private auto insurance premiums written and a 1.9 percent market share, Travelers ranks as the ninth largest car insurance provider in the U.S., according to the Insurance Information Institute. Travelers had total assets of approximately $103 billion and revenue of $23 billion as of the end of 2017.

Contact Travelers

More information about Travelers Insurance can be found at www.travelers.com. They can also be reached by telephone at 866-943-6938.