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Written by Natalie Todoroff Natalie Todoroff
Edited by Mariah Posey Mariah Posey
Reviewed by Mark Friedlander Mark Friedlander
Edited by Mariah Posey Mariah Posey
Reviewed by Mark Friedlander Mark Friedlander
Updated Feb 28, 2024
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At a glance
4.2
Rating: 4.2 stars out of 5
Bankrate Score
Auto
Rating: 4.2 stars out of 5
4.2
Cost & ratings Rating: 4.3 stars out of 5 4.3 Coverage Rating: 4 stars out of 5 4.0 Support Rating: 4.3 stars out of 5 4.3
Home
Rating: 4.1 stars out of 5
4.1
Cost & ratings Rating: 3.8 stars out of 5 3.8 Coverage Rating: 4.3 stars out of 5 4.3 Support Rating: 4.5 stars out of 5 4.5
About Bankrate Score
Bankrate's take
Customers who value robust policy options and want the ease of managing all their insurance policies in one place may find Travelers to be an appealing option.
Who Travelers may be good for: Drivers and homeowners looking to customize and build out their coverage with unique auto add-ons may be interested in bundling with Travelers.
Who Travelers may not be good for: If customer satisfaction is a top priority for you, third-party metrics indicate that Travelers may disappoint in that category.
Auto Avg. annual premium for full coverage $1,761 Avg. annual premium for min coverage $522 Home Avg. annual premium for $250k dwelling coverage $1,573
- Quotes:1-866-218-5587
- Billing and service:1-800-842-5075
- Claims:1-800-252-4633
- Technical assistance:1-877-754-0481
- Customer advocacy:1-866-336-2077
- Payment address:
Travelers Personal Insurance
PO BOX 660307
Dallas, TX 75266-0307 - State availability:Travelers auto insurance is available in all states except AK, HI, LA, MI, ND, SD, WV and WY. Travelers home insurance is available in all states except AK, FL, HI, LA and WV.
Travelers car insurance
Travelers car insurance might be a good option for drivers who want robust policies. If your definition of the best car insurance company includes one with plentiful endorsem*nt options and discounts, Travelers could fit your needs. In addition to the basic coverage types — like liability, collision, comprehensive, personal injury protection and medical payments — you might be able to add optional coverage like gap insurance, new car replacement, roadside assistance and accident forgiveness. Travelers also offers rideshare coverage, but only in Colorado and Illinois.
Travelers car insurance is only available in 42 states and Washington, D.C. The lack of national availability combined with Travelers’ low average J.D. Power auto claims satisfaction score brought down the company’s auto insurance Bankrate Score.
Pros and cons of Travelers car insurance
As you gather car insurance quotes, you may want to do more than just compare rates. Finding the right car insurance company for you may involve looking at other metrics, including third-party scores, available coverage options, discounts and digital tools. Our Travelers Insurance review identified these pros and cons of the company’s car insurance:
Pros
Robust coverage options
Numerous potential discounts
Local agents available
Cons
Not available nationwide
Rideshare coverage only available in two states
Industry below average J.D. Power auto claims satisfaction score
Travelers car insurance cost
A full coverage auto insurance policy with Travelers costs an average of $1,761 per year and $522 for minimum coverage, according to February, 2024 premium data from Quadrant Information Services. Comparatively, the national average cost of car insurance is $2,545 per year for full coverage and $741 for minimum coverage. Rates may vary based on a number of factors, though, and your ability to find cheap car insurance could depend on your unique situation. Below, we analyze Travelers’ average rates across a range of driver profiles.
Travelers car insurance rates by driving history
Your driving history is typically one of the biggest rating factors for most car insurance companies. If you have a history of tickets or at-fault accidents, you’ll likely pay more for coverage, because an insurer will probably view you as a higher risk for filing claims in the future.
Below, we look at Travelers’ average rates compared to the national average for a few different driving incidents. Note that although we did include rates for drivers with DUI convictions, coverage eligibility for high-risk drivers will depend on your unique driving history and other rating factors.
| Travelers full coverage premium | National full coverage premium | |
|---|---|---|
| Clean driving history | $1,761 | $2,545 |
| Speeding ticket conviction | $2,313 | $3,070 |
| At-fault accident | $2,454 | $3,575 |
| DUI conviction | $3,452 | $4,740 |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Feb 2024
Read our full methodology
Travelers car insurance quotes by age
In almost all states, your age may also play a role in your car insurance premium. Rates tend to be higher for younger drivers, since they have less experience behind the wheel. Young drivers on their own policies pay some of the highest average rates. Below you can see Travelers’ average rates compared to the national average rates across a range of ages, and for young drivers both on and off their parents’ policy.
Average cost of car insurance for drivers on their parents’ policy
| Travelers full coverage premium | National full coverage premium | |
|---|---|---|
| Age 16 | $4,187 | $5,374 |
| Age 17 | $3,653 | $5,024 |
| Age 18 | $3,314 | $4,720 |
| Age 19 | $2,864 | $4,155 |
| Age 20 | $2,741 | $3,932 |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Feb 2024
Read our full methodology
Average cost of car insurance for drivers on their own policy
| Travelers full coverage premium | National full coverage premium | |
|---|---|---|
| Age 18 | $6,448 | $7,188 |
| Age 25 | $2,043 | $3,142 |
| Age 30 | $1,878 | $2,696 |
| Age 50 | $1,647 | $3,586 |
| Age 60 | $1,592 | $2,307 |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Feb 2024
Read our full methodology
Travelers car insurance discounts
Utilizing discounts to save on car insurance could help with lowering your premium. While discounts may vary by state, a few standout discounts from Travelers include:
If you request a Travelers car insurance quote before your current policy expires, you may be eligible for this discount.
If you own a home — even if you don't insure it with Travelers — you might save on your car insurance.
You could qualify for this discount if you own or lease your hybrid or electric vehicle.
This discount may be added if you purchase a new car or own a vehicle less than three years old.
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This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.
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Travelers home insurance
Travelers home insurance may be a good option for those who value personalized coverage, but its homeowners insurance options are a bit more limited than its car insurance. If you are considering a Travelers home insurance policy, you may be able to add coverage options like jewelry and valuables, water backup, identify fraud and green home coverage to round out your protection.
Just like its auto insurance, Travelers home insurance scored below average for claims satisfaction and coverage is not available in all states. These factors contributed to a less-than-perfect Bankrate Score.
Pros and cons of Travelers home insurance
Comparing home quotes and other features of each company you’re considering may help you narrow down the best homeowners insurance company for you. Here are some perks and drawbacks we identified with Travelers home insurance.
Pros
Several endorsem*nts available
Offers a unique green home discount
Offers a free home history tool called OpenHouse for homebuyers
Cons
Not available nationwide
Below-average J.D. Power customer satisfaction score
Slightly below average J.D. Power claims satisfaction score
Travelers home insurance cost
Based on Bankrate’s research of average premiums, Travelers home insurance costs $1,573 per year for $250K in dwelling coverage. This is lower compared to the national average cost of homeowners insurance which is $1,759 for the same amount of dwelling coverage. Your rate may vary based on your unique situation, including how much coverage you need. Below is a breakdown of average rates from Travelers compared to the national average for several dwelling coverage limits.
| Dwelling coverage limit | Travelers average premium | National average premium |
|---|---|---|
| $150K dwelling | $1,069 | $1,195 |
| $250K dwelling | $1,573 | $1,759 |
| $350K dwelling | $2,084 | $2,328 |
| $450K dwelling | $2,535 | $2,904 |
| $750K dwelling | $4,049 | $4,643 |
Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Feb 2024
Read our full methodology
Travelers home insurance discounts
If you’re shopping for cheap home insurance, you may want to take advantage of as many discounts as possible. Below are some of Travelers’ home insurance discounts, but keep in mind that availability may vary by state.
Homes that have received a “green home” certification from the Leadership Energy and Environmental Design (LEED) organization could be eligible for up to a 5 percent discount.
Homeowners who bought their home within the last 12 months could earn this discount.
If you have not filed a home claim within a certain period of time, this discount could be added to your policy.
If your home has smoke detectors and fire alarms, an interior sprinkler system, a home security system or smart home features, you could earn a discount on your Travelers home insurance.
Advertising Disclosure
This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.
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Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Quick Facts
$382/year
average savings through Bankrate
2 out of 3 homes
are underinsured
1 out of every 20
insured homes makes a claim each year
100% of homes
need insurance before getting a mortgage
Leaving so soon? Your custom quotes are just minutes away.
Compare Travelers with other insurers
When shopping for insurance, most insurance professionals recommend requesting insurance quotes from more than one home and car insurance carrier. This may give you an opportunity to compare coverage and premiums, as well as experience each company’s customer service. If you're not sure Travelers meets your needs or you live outside its service area, these companies may also be worth a look.
Featured Travelers
Rating: 4.2 stars out of 5 Cost & ratings Rating: 4.1 stars out of 5 Coverage Rating: 4.2 stars out of 5 Support Rating: 4.4 stars out of 5 Read Review | Auto-Owners
Rating: 4.5 stars out of 5 Cost & ratings Rating: 4.8 stars out of 5 Coverage Rating: 4.2 stars out of 5 Support Rating: 4.2 stars out of 5 Read Review | Farmers
Rating: 3.7 stars out of 5 Cost & ratings Rating: 3.3 stars out of 5 Coverage Rating: 4.2 stars out of 5 Support Rating: 3.9 stars out of 5 Read Review |
|---|---|---|
OVERVIEW | ||
Customers who value robust policy options and want the ease of managing all their insurance policies in one place may find Travelers to be an appealing option. Read More | Auto-Owners might be a good choice if you are attracted to Travelers’ robust policy options or if you’re looking for life insurance. The company sells several types of life insurance policies and even offers a potential discount on your auto or home insurance if you have a life insurance policy. While Auto-Owners tied with Geico for our 2024 Bankrate Award for Best Budget Auto Insurance Company, it is only available in 26 states. Those seeking a company with a wider coverage area may lean toward getting a policy from Travelers. Read More | If you’re looking for non-insurance related perks, you might consider a quote from Farmers. The company offers a car buying program called TrueCar that might help you find your next vehicle. You could also take advantage of the other partnerships that Farmers has, like savings on pet insurance from Pets Best or a discount on a Flume water leak detection device. Travelers might be the better option if you like to handle your coverage digitally, though, as Farmers’ website may not be as intuitive as Travelers'. Read More |
STANDOUT FEATURES | ||
Hybrid/electric car discount New car replacement endorsem*nt Online quotes available | Offers diminished value coverage Discounts for young drivers Superior AM Best financial strength rating | Robust coverage options Local agents available Signal telematics discount |
AVG FULL COV. AUTO RATE | ||
| $1,761 |  $1,646 | $2,757 |
JD POWER AUTO SCORE | ||
| 854/1000 | 865/1000 | 882/1000 |
AVG HOME RATE | ||
| $1,573 | $1,384 | $2,081 |
JD POWER HOME SCORE | ||
| 790/1000 | 834/1000 | 800/1000 |
AM BEST RATING | ||
| A++(Superior) | A++(Superior) | A(Excellent) |
Is Travelers a good insurance company?
Travelers Insurance may be a good company for you if you value having a wide array of policy options to choose from. This is particularly true of the company's car insurance options. The company has worked to improve and expand its home insurance coverages as well, and bundling may provide discounts. As far as customer satisfaction, Travelers Insurance is slightly below average according to J.D. Power surveys. In the 2023 Auto Claims Satisfaction Study, Travelers was below the industry average in terms of customer satisfaction. For its 2023 Property Claims Satisfaction Study, Travelers finished below the industry average. Shopping around and getting quotes from several companies may help you identify the best option for you.
Travelers customer satisfaction
As you shop for the best insurer for your needs, you might want to take customer satisfaction into consideration. Service may be an integral part of the insurance experience. We look primarily at J.D. Power ratings and complaint indexes from the National Association of Insurance Commissioners (NAIC) to establish a company’s service level. We also analyzed the carrier's financial strength rating from AM Best as an indication of its historical ability to pay out claims. We break down Travelers’ scores by auto and home insurance in the sections here.
| Study or Rating Agency | Travelers | Industry average |
|---|---|---|
| 2023 J.D. Power Digital Experience Study - Service | 694/1,000 | 702/1,000 |
| 2023 J.D. Power Digital Experience Study - Shopping | 517/1,000 | 521/1,000 |
| AM Best rating | A++ (Superior) | N/A |
Each year, J.D. Power puts out two auto-insurance focused studies, the U.S. Auto Insurance Study and the U.S. Auto Claims Satisfaction Study, to assess overall service and claims service of various insurance companies. Of the 11 regions included in the Auto Insurance Study, Travelers was rated in eight. Of those eight regions, Travelers was ranked below the industry average in all but one. Only in the New York region was Travelers ranked above average. Travelers also scored significantly below the industry average for auto claims satisfaction.
J.D. Power Auto Claims Satisfaction Study
The third-party service scores for Travelers home insurance are similar to the scores for auto insurance. In the 2023 J.D. Power U.S. Home Insurance Study, Travelers received a score of 790 out of 1,000, which was the third-lowest score in the study and well below the industry average. Travelers also ranked near the bottom of the 2023 J.D. Power U.S. Property Claims Satisfaction Study.
Complaints logged with the NAIC for Travelers' home insurance product vary dramatically. Although complaints have been below average in the past two years, the carrier received more than three times as many complaints as expected for its size in 2020.
J.D. Power Property Claims Satisfaction Study
Travelers customer complaints
To assess customer satisfaction, Bankrate's insurance editorial team also analyzed complaint indexes from the National Association of Insurance Commissioners (NAIC). These indexes provide an idea of how many complaints the NAIC receives for a company compared to its industry market share. Indexes are assigned by product type with a baseline of 1.00. An index above 1.00 indicates more complaints than expected for a carrier's market share, while an index below 1.00 indicates fewer.
Travelers received fewer complaints than expected for its private passenger auto insurance product for the past three years. Its 2022 index was particularly low, receiving less than half the number of complaints expected for a company of its size.
Travelers' complaint indexes for its homeowners insurance product are less consistent than those for its auto insurance product. While its index has been quite low for the past two years, it received more than twice as many complaints than expected for its home product in 2020. Prospective customers may want to speak with long-term policyholders to get an idea of the carrier's customer satisfaction consistency.
Other Travelers tools and benefits
- Travel insurance: Depending on the options you choose, this policy may cover trip cancellation, medical costs and lost luggage.
- Wedding and event insurance: Event insurance is used to cover items like lost deposits, event gifts, liquor liability and more.
- Condominium insurance:Condominium insurance is designed for condo owners and specifically covers the interior of the unit.
- Renters insurance: As a renter, this policy may help with insuring your personal belongings and providing loss of use and liability protection.
- IntelliDrive®: Travelers’ IntelliDrive program is a 90-day telematics program that may offer drivers up to 30 percent in savings. With the smartphone app, the IntelliDrive program will track driving behaviors like speed, acceleration, braking and distraction, as well as what time of day the car is being driven.
- Pet insurance: Travelers partners with the ASPCA Pet Health Insurance to bring pet policies to their customers at a discounted rate.
- Boat and yacht insurance: Travelers offers a slew of different coverage options for watercraft, such as towing, liability and personal property.
- Landlord insurance: If you need an extra layer of financial protection for your rental property, you can purchase a landlord insurance policy through Travelers.
Frequently asked questions about Travelers
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Written by
Natalie Todoroff
Writer, Insurance
Read more from Natalie
Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
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- Car insurance
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- Is Travelers a good insurance company?
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