Travelers Insurance Reviews: Pros, Cons, and Customer Ratings for 2025
Travelers Insurance often ranks among the best car insurance companies in the U.S. However, whether it's right for you and your car depends on several factors, including your budget and location.
This post discusses this popular insurer, its offerings, pricing, and claims process. It also examines Travelers Insurance reviews to identify how real customers feel about the insurer.
Travelers Insurance Company Profile
Travelers Insurance is among the largest car insurance companies in the U.S. and is often found on Top 10 lists. While it has a reputation as a home and auto insurance company for individuals, it also caters to businesses and government agencies.
With a 165+ year history, the company has achieved several notable firsts, including providing the first insurance policy for a manned mission to the moon in 1969. However, it began as an insurance provider for railroad and steamboat passengers in 1853. Travelers is also the originator of the automobile policy, with the first policy issued in 1897, 11 years before the Model T.
So does this history qualify Travelers Insurance to cover your vehicle? To find out, explore the policies and coverage options currently available.
Types of Coverage Offered by Travelers
Based on current Travelers auto insurance reviews and offerings touted on the company's website, Travelers Insurance, like other major players, offers several staple policies. Its insurance coverage options also extend to things like accident forgiveness.
Liability Car Insurance
Like all auto insurers, you can purchase a liability car insurance policy through Travelers. The policy is standard and vital to protecting drivers found legally responsible for an accident. It includes bodily injury (BI) and property damage (PD) protection.
BI coverage pays for medical expenses, lost wages, pain and suffering, and other costs for people (drivers, passengers, or pedestrians) injured or killed in the crash. It doesn't provide personal injury protection.
Comprehensive Coverage
Comprehensive coverage is another standard policy. It covers damage to your vehicle not caused by a vehicular collision. This generally includes events like:
- Animal impacts
- Fire
- Natural disasters or weather events
- Theft
- Vandalism
Individual policies can vary. Review specific policy documents to understand full details, limits, and exclusions.
Collision Coverage
Travelers Insurance offers collision coverage as one of its key auto insurance policies. Unlike liability coverage, this option provides coverage for damages to your vehicle in a covered accident, which typically refers to collisions with other vehicles (regardless of fault), objects, or rollovers.
The policy almost always includes a deductible — the amount you agree to pay out of pocket. However, according to several Travelers Insurance reviews, the company offers a decreasing deductible on some policies. This gives a $500 credit toward the deductible when policyholders are accident- and violation-free for a specified period, typically six months to a year.
Additional Coverage
Beyond the standard policies, Travelers offers a range of coverage. Popular options include:
- Roadside Assistance: Travelers has two levels of roadside assistance protection. The basic level includes towing up to 15 miles, battery jump-starts, fuel delivery, flat tire changes, lockout assistance, and winching. The premier plan adds extended towing up to 100 miles, trip interruption coverage, and personal property coverage.
- Accident Forgiveness: The Responsible Driver Plan includes accident forgiveness, typically covering one accident or one minor violation within a specified period. The protection means your rates won't increase after a covered event.
- Gap Insurance: Loan or lease gap coverage protects you against financial hardship if your financed or leased vehicle is totaled. Standard policies pay the Actual Cash Value (ACV), while gap insurance helps cover the difference between ACV and what you paid.
With an understanding of Travelers Insurance offerings, it's time to assess its costs compared to other insurance companies.
Travelers Insurance Cost and Pricing Factors
As of April 2025, national averages for auto coverage range from $18 to $648 per month, depending on coverage options, driver profiles, and chosen provider. This means average annual premiums range from $218 to $7,776. To get a better idea of your projected costs, consider getting individual car insurance quotes from the top insurers and comparing them.
According to Travelers car insurance reviews, minimum coverage runs about $57 and full coverage about $161 per month. That puts the annual average around $684 for minimum coverage and $1,932 for full coverage. The estimates mean Travelers is competitive with fair prices.
Still, the cost customers actually pay depends on several factors, including age, driver experience, driving record, geographic area, and vehicle type. None of these factors addresses the quality of the policy or the consumer experience.
Discounts Available Through Travelers
Beyond offering some of the lowest rates for drivers, Travelers offers a variety of discounts, including:
- Bundling
- Multi-policy
- Safe driver
- Paid in full
Discount eligibility depends on the policy and policyholder. Talk to your insurance representative to learn more.
Customer Satisfaction and Reviews
Reviews on Travelers Insurance often discuss its competitive pricing, variety of coverage options, and financial strength ratings (A++ from AM Best). Despite these positives, Travelers tends to have a below-average customer satisfaction rating. Still, many policyholders appreciate the smooth claims process.
Claims Process and Customer Support
Travelers Insurance has a standard claims process, which includes five steps: filing the claim, initial contact and assignment, claim evaluation and investigation, estimate and resolution, and deductible recovery. Policyholders can file online, by phone, or through an agent.
Regarding customer support, the insurer offers several channels. Consumers can call the company or use the online self-service portal through the company's website or mobile app. Policyholders can also seek help through independent agents or by emailing or mailing the company directly.
Pros and Cons of Choosing Travelers
Travelers Insurance company reviews showcase several pros and cons of selecting Travelers Insurance. In the pros column, Travelers offers affordable policies, an array of add-on policies, and a smooth claims process. However, in the cons column, the company has subpar performance in consumer studies.
Compare Car Insurance Rates With Confidence
Regardless of Travelers Insurance reviews, the best way to know if the company's auto policies are right for you is to compare their coverage to other insurance quotes. EverQuote can help you weigh your options with a free comparison tool. Find the best policy for you and your circumstances.