Travelers car insurance review 2024
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BLUEPRINT
Updated 5:37 p.m. UTC Feb. 27, 2024
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Pros
- Low gap insurance rates.
- Best average rate for low-deductible coverage.
- Competitive rates for young adults and drivers with an accident on their record.
- Offers accident forgiveness and minor violation forgiveness.
Cons
- Parents adding a teen to a policy may find cheaper rates elsewhere.
- Rideshare insurance is only available in some states.
- Does not offer SR-22s.
Why trust our car insurance experts
Our team of car insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 260 companies analyzed.
- 347 rates reviewed.
- 5 levels of fact-checking.
Does Travelers have good car insurance?
Yes, Travelers has good car insurance. It earns 5 stars in our best car insurance companies rating and 4.5 stars in our best cheap car insurance companies rating.
This insurer has competitive rates for most drivers, especially for young adults who are purchasing their own car insurance policy. It also has comparably low rates for gap insurance and offers a variety of discounts, including those for insuring an electric or hybrid vehicle.
Travelers has a lower-than-average number of consumer complaints to state insurance departments, according to data from the National Association of Insurance Commissioners (NAIC).
Compare Travelers to other top car insurance companies
| CAR INSURANCE COMPANY | AVERAGE ANNUAL RATE FOR GOOD DRIVERS | CUSTOMER COMPLAINT LEVEL | OUR RATING | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $1,436 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,521 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,364 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,642 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,597 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,826 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,855 | Very Low | Compare Rates Compare rates offered by participating partners | ||||||||
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 Westfield | $1,984 | Very Low | Compare Rates Compare rates offered by participating partners | |||||||
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| $2,025 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $2,896 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $3,093 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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Types of car insurance offered by Travelers
Travelers has a wide variety of car insurance types available, including:
- Liability insurance.
- Collision and comprehensive coverage.
- Uninsured and underinsured motorist coverage.
- Gap insurance.
- Non-owners insurance.
- Accident forgiveness.
- Usage-based insurance.
- Medical payments (MedPay).
- Personal injury protection (PIP).
- New car replacement.
- Rental coverage.
- Rideshare coverage.
- Roadside assistance.
Other insurance products from Travelers
In addition to car insurance, Travelers offers:
- Homeowners insurance.
- Flood insurance.
- Pet insurance.
- Renters insurance.
- Travel insurance.
- Umbrella insurance.
- Boat and yacht insurance.
- Condo insurance.
- Landlord insurance.
- Motorcycle insurance.
- Valuable items insurance.
- Wedding and event insurance.
Travelers car insurance reviews
Travelers has the lowest consumer complaint ratio among the top-scoring car insurance companies in our rating of the best car insurance companies, according to the most recent NAIC data. The reasons for NAIC complaints can vary, but complaints about Travelers car insurance were primarily about delays and unsatisfactory settlements or offers.
Travelers gets a C grade on the annual CRASH Network Insurer Report Card. The CRASH Network grade is based on survey responses from more than 1,000 collision repair professionals, with survey questions covering a variety of key topics, such as quality of repairs, claims handling policies and an insurer’s attitude and payment practices.
If you’re considering Travelers insurance, compare car insurance quotes from at least two other insurers as well. You can also read professional Travelers car insurance reviews online and ask friends and family if they have any experience with the insurer.
Methodology
Our insurance experts evaluated top car insurance companies in the nation to determine which offers the best-rated auto insurance based on average rates, coverage features, collision claims process and consumer complaints.
Each car insurance company was eligible for up to 100 points, based on its performance in the following key categories:
Cost: 50 points. We analyzed rates from Quadrant Information Services based on seven driver profiles for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage.
We awarded up to 50 points based on insurers’ average rates for:
- Drivers in various age groups.
- Drivers with bad credit.
- Good drivers.
- Drivers with infractions, such as speeding tickets, an accident or a DUI on their record.
Up to 10 bonus points were available for insurers that had low rates for teen and senior drivers, two demographics that typically have higher car insurance rates.
Consumer complaints: 20 points. We collected complaint data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Car insurance coverage options and features: 20 points. Car insurance policy features can help make coverage more affordable both before and after an accident or covered incident. We evaluated car insurance policies offered by each insurer and awarded points to insurers that offered these valuable options and features:
- Accident forgiveness (5 points).
- New car replacement (5 points).
- Vanishing deductible (5 points).
- Usage-based car insurance program (5 points).
Collision repairs score: 10 points. Every year the CRASH Network releases an “Insurer Report Card” survey. This annual survey asks repair professionals how well a car insurance company handles claims, specifically when it comes to payment practices, repair quality and customer service.
Each car insurance company receives a grade ranging from A+ to F, based on the survey results. Companies were awarded up to 10 points based on their CRASH Network score, with higher grades receiving the most points.
Travelers car insurance review FAQs
Travelers has comparably low gap insurance rates, which may interest you if you have a car loan. It also has competitive rates for most other drivers, especially young adults shopping for their own car insurance policy.
Looking for affordable auto insurance? Find out who has the best cheap car insurance in 2024.
Travelers only offers rideshare insurance in Colorado and Illinois. The limited endorsement provides coverage once you turn on your rideshare app, but coverage ends once you pick up your passenger.
If you drive for a rideshare company, such as Lyft or Uber, consider USAA, Erie or Progressive. Each company offers rideshare coverage and earns a spot on our best car insurance companies rating.
Travelers has competitive rates for most drivers and earns 4.5 stars in our rating of the best cheap car insurance. The average cost of a Travelers car insurance policy for a good driver is $1,521, or about 25% less than the national average of $2,026.
Travelers car insurance rates are particularly competitive for young adults on their own policy, but drivers with an accident on their record should also get a quote from Travelers.
If you’re at fault for an accident with Travelers, your rate can go up 46% to 51%, depending on the type of accident. A driver with a clean record pays an average of $1,521 a year for coverage with Travelers.
- After an accident causing property damage, the average Travelers car insurance rate is $2,215, an increase of 46%.
- After an accident causing bodily injury, the average Travelers car insurance rate jumps to $2,293 per year, a 51% increase.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
