Travelers Auto Insurance Review for 2026 (Expert Evaluation)
Our Travelers auto insurance review found it stands out for its high customer satisfaction ratings, making it a solid choice for many drivers. While its rates start at $74/mo for minimum coverage, Travelers insurance rates can be high compared to some competitors, especially for drivers with poor records.
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Insurance & Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
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Sara Routhier
Licensed Insurance Agent
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Jeff Root
Updated June 2025
This Travelers auto insurance review highlights the company’s strong customer service with A+ ratings from the Better Business Bureau and competitive rates for DUI drivers.
While Travelers’ rates start at $74 per month for minimum coverage, it may be more expensive for some drivers, especially teens. However, drivers who maintain a clean record can benefit from discounts of up to 23%.
Travelers Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.4 |
| Business Reviews | 4.5 |
| Claim Processing | 4.5 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.3 |
| Customer Satisfaction | 4.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.1 |
| Plan Personalization | 4.5 |
| Policy Options | 4.1 |
| Savings Potential | 4.4 |
Travelers offers various coverage options, including accident forgiveness and new car replacement. Still, its higher rates and potential IntelliDrive rate increases may be drawbacks for some. To ensure you’re getting the best deal, comparing multiple insurance quotes is wise.
- Travelers auto insurance rates start at $74 per month
- Travelers IntelliDrive offers up to $23% off auto insurance
- Travelers is one of the cheaper companies for DUI drivers
Travelers Auto Insurance Rates
Our auto insurance review of Travelers covers several important factors, but one of the most important factors is price.
Remember, these numbers aren’t just pulled out of thin air – insurers consider factors like crash statistics by age and more when setting rates. Let’s consider the average rates for both minimum and full coverage.
Travelers Auto Insurance Monthly Rates by Coverage Level, Age, & Gender| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $275 | $500 |
| Age: 16 Male | $300 | $550 |
| Age: 18 Female | $250 | $450 |
| Age: 18 Male | $275 | $500 |
| Age: 25 Female | $160 | $275 |
| Age: 25 Male | $175 | $295 |
| Age: 30 Female | $140 | $250 |
| Age: 30 Male | $150 | $260 |
| Age: 45 Female | $120 | $220 |
| Age: 45 Male | $74 | $121 |
| Age: 60 Female | $110 | $205 |
| Age: 60 Male | $118 | $215 |
| Age: 65 Female | $103 | $190 |
| Age: 65 Male | $110 | $200 |
Travelers’ minimum rates start at $74 each month. When it comes to full coverage auto insurance, Travelers’ rates start at $121 per month.
Of course, these rates are for drivers with clean driving records. You will see rates go up quite a bit more for accidents, DUIs, and tickets.
Now that you know how much Travelers charges for different drivers, you might ask how Travelers stacks up against the competition. Read on to find out.
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Travelers Auto Insurance Rates vs. the Competition
Travelers offer rates that are around the national average. But this doesn’t necessarily mean they’re the absolute cheapest on the block.
Comparison of Travelers Auto Insurance Monthly Rates by Provider, Age, & Gender| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $670 | $670 | $243 | $243 | $212 | $212 | $192 | $192 |
 | $520 | $520 | $165 | $165 | $145 | $145 | $125 | $125 |
 | $753 | $753 | $221 | $221 | $200 | $200 | $174 | $174 |
 | $453 | $453 | $170 | $170 | $149 | $149 | $139 | $139 |
 | $500 | $500 | $160 | $160 | $140 | $140 | $120 | $120 |
 | $472 | $472 | $153 | $153 | $133 | $133 | $113 | $113 |
 | $664 | $664 | $197 | $197 | $176 | $176 | $149 | $149 |
 | $469 | $469 | $193 | $193 | $166 | $166 | $146 | $146 |
 | $528 | $528 | $153 | $153 | $141 | $141 | $119 | $119 |
 | $375 | $375 | $146 | $146 | $119 | $119 | $106 | $106 |
Travelers rates are not the most expensive, but they’re also not the cheapest. USAA, for example, offers monthly rates that are lower than those of Travelers, although USAA only sells auto insurance for active duty military and veterans.
Daniel Walker Licensed Insurance Agent
While Travelers might not wear the crown for the absolute cheapest rates, the company isn’t breaking the bank either.
And remember, these numbers can vary based on driving history, ZIP code, and other factors.
Travelers Auto Insurance Monthly Rates by Provider and Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $174 | $212 | $234 | $313 |
| $150 | $180 | $230 | $310 |
| $160 | $200 | $250 | $330 |
| $140 | $166 | $220 | $300 |
| $170 | $220 | $270 | $350 |
| $145 | $170 | $210 | $290 |
| $155 | $190 | $240 | $320 |
| $133 | $159 | $200 | $265 |
| $160 | $188 | $225 | $270 |
| $111 | $131 | $160 | $238 |
While Travelers isn’t the cheapest choice for all drivers with poor driving records, it is one of the cheaper companies for DUI drivers.
Auto Insurance Options at Travelers
When it comes to the basics, Travelers has your back. The company offers the standard liability auto insurance coverages required by each state.
In addition to the must-haves, like liability, collision, and comprehensive auto insurance, Travelers has several other coverage options.
Read More: How do I know if I chose the right coverages?
The company offers accident forgiveness, gap insurance, non-owner auto insurance, new car replacement, rental auto insurance coverage, and a lot more.
Travelers Auto Insurance Coverage Options| Coverage Option | What it Covers |
|---|---|
| Liability Coverage | Covers bodily injury and property damage to others |
| Collision Coverage | Pays for damages to your car from a collision |
| Comprehensive Coverage | Covers damage to your car from non-collision incidents |
| Personal Injury Protection (PIP) | Covers medical expenses and lost wages |
| Uninsured/Underinsured Motorist | Protects you if a driver has little or no insurance |
| Medical Payments Coverage | Covers medical expenses for you and your passengers |
| Rental Reimbursement | Pays for a rental car while your vehicle is being repaired |
| Roadside Assistance | Provides help with towing, flat tires, lockouts, and more |
| Gap Insurance | Covers difference between car value and loan |
| New Car Replacement | Replaces your car with a new one if it's totaled |
| Rideshare Coverage | Coverage if you drive for rideshare services |
If you’re into classic cars, made some modifications, or you need SR-22 coverage – Travelers might not be the perfect match. For those needs, you might want to shop elsewhere.
Travelers Auto Insurance Discounts
Travelers offers a whole lineup of discounts that could significantly lower your rates. Travelers auto insurance discounts include the good student discount, multi-car discount, new car discount, safe driver discount, and a lot more.
Travelers Auto Insurance Discounts and Savings| Discount | Savings | How to Qualify |
|---|---|---|
| Multi-Policy Discount | 13% | Bundling auto insurance with other policies like home insurance |
| Multi-Car Discount | 8% | Insure more than one vehicle with Travelers |
| Home Ownership Discount | 5% | Own as home, even if the home isn't insured with Travelers |
| Safe Driver Discount | 23% | Maintain a clean driving record over a specified period |
| Continuous Insurance Discount | 15% | Have continuous auto insurance coverage without lapses |
| New Car Discount | 10% | Have a vehicle less than three years old |
| Good Student Discount | 8% | Full-time students with a "B" average or better |
| Student Away at School Discount | 7% | Students who attend school 100+ miles away from home without a car |
| Driver Training Discount | 8% | Complete an approved driver education course |
| Early Quote Discount | 10% | Obtain a quote before your current policy expires |
The savings vary depending on the discount, but Travelers tends to be extra generous with those related to safe driving.
Drivers can save up to 23% on their car insurance coverage by staying accident-free and avoiding points on their drivers’ license related to moving violations. However, it’s important to note that in some states, Travelers’ IntelliDrive program may actually result in a rate hike if drivers do poorly.
Travelers also offers a good deal for bundling policies, which you can get by buying home or renters insurance with auto insurance. Just make sure to read Travelers home insurance reviews to make sure home insurance from the company also fits your needs (Learn More: Travelers Homeowners Insurance Review).
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Customer Reviews of Travelers
Customer reviews of Travelers vary with Travelers insurance Google reviews and Reddit reviews, with some customers expressing satisfaction with customer service and claims.
Other Travelers customers have issues with rate increases and claims, as you can see in the Reddit review of Travelers below.
Posts from the orangecounty
community on Reddit
Some customers will always express their gripes, especially with customer service, but let’s be real – it’s par for the course in the insurance game.
Dani Best Licensed Insurance Producer
So overall, Travelers seems to be cruising with low complaints, hinting at a decent track record in customer service and handling auto insurance claims (Read More: How long does it typically take for Travelers to process a car insurance claim?).
Travelers Business Ratings
Business ratings for Travelers are excellent. For example, Travelers auto insurance has an A+ rating from the Better Business Bureau and an A++ rating from A.M. Best.
Both of these ratings are indications of positive customer service and financial ratings. Take a look at all of Travelers’ ratings below.
Travelers Auto Insurance Business Ratings & Consumer Reviews| Agency |  |
|---|---|
 | Score: A++ Superior Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 76/100 Good Customer Feedback |
 | Score: 860 / 1,000 Above Avg. Satisfaction |
 | Score: 1.12 Avg. Complaints |
The National Association of Insurance Commissioners gives Travelers a complaint score of around one, signaling that they receive average complaints.
It’s like getting a gold star in the world of insurance customer satisfaction and means Travelers auto adjusters and agents offer great service (Read More: How to Deal with Auto Insurance Claims Adjusters).
Pros and Cons of Travelers Auto Insurance
Travelers auto insurance is attractive for several reasons, ranging from high ratings from businesses to low DUI rates. See the best qualities of Travelers below.
- Business Ratings: Travelers scores highly for customer satisfaction, business practices, and more.
- DUI Driver Rates: Travelers rates are some of the lowest on the market for DUI drivers.
- Discount Variety: Travelers has savings of up to 23% for customers.
However, these pros don’t necessarily mean that Travelers is best for all drivers. Traveler’s higher rates can be a major con for some drivers.
- Rates: Travelers can be more expensive for some drivers, especially teenagers.
- IntelliDrive Rate Increase: Poor driving habits could result in higher rates in some states with Travelers telematics insurance coverage discount.
Make sure to read the fine print in the IntelliDrive program in your state and get a Travelers insurance quote before committing to check rates.
If Travelers is too expensive, use a quote comparison tool to shop around for more affordable auto insurance coverage. You can also call the Travelers insurance phone number. The Travelers auto insurance phone number will connect you with an agent who can help get you a quote.
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Deciding if Travelers Should be Your Auto Insurance Company
The Travelers auto insurance review found that its competitive rates for DUI drivers and strong business ratings make it a strong option for those with a less-than-perfect driving record.
However, Travelers’ rates can be higher for some drivers, especially teenagers. Travelers’ discount program, which offers up to 23% savings for safe drivers, can also result in rate increases for poor driving performances.
It’s important to shop around if you don’t want to buy Travelers insurance or renew your policy (Read More: How To Cancel Travelers Specialty Insurance Company Car Insurance). If you are ready to find insurance, make sure to compare car insurance quotes from multiple providers to ensure you find the best policy for your needs and budget.
Frequently Asked Questions
Is Travelers a reputable insurance company?
Yes, Travelers is a reputable auto insurance company. Travelers insurance reviews on BBB and other ratings sites are excellent.
How reliable is Travelers insurance?
Travelers is reliable, as it has a good rating from Travelers insurance reviews on Consumer Reports and other major rating sites.
Does Travelers insurance cover salvage title cars?
No, Travelers doesn’t offer insurance for totaled salvage title cars (Read More: Car Insurance for a Totaled Car).
Is Travelers insurance good about paying claims?
Yes, Travelers has a great claim satisfaction score from J.D. Power.
Why is Travelers insurance so cheap?
Travelers’ rates actually aren’t the cheapest on the market for most drivers, as its rates start at $74/mo.
Who is cheaper than Traveler’s insurance?
Companies that are cheaper on average than Travelers for some drivers include the United States Automobile Association (USAA) and State Farm.
What is Traveler’s insurance known for?
Travelers is known for high customer satisfaction ratings.
What is the most trusted car insurance company?
Travelers is one of the most trusted car insurance companies based on ratings and reviews.
Is Travelers Insurance the same as Liberty Mutual?
No, The Travelers Indemnity Company is not the same as Liberty Mutual (Read More: Liberty Mutual Auto Insurance Review).
Who did Travelers Insurance merge with?
Travelers merged with Citicorp back in 1998.
Why should you get Travelers insurance?
Is Travelers Insurance owned by Geico?
What insurance company owns Travelers?
Why is Traveler’s insurance so expensive?
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