Travelers Insurance Review 2019

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About Travelers Insurance

Travelers is a large insurer offering coverage for private passenger autos, businesses, commercial vehicles, homes, farms, medical malpractice and more. It's also one of a small number of insurers that offer wedding insurance.

You can access policy, billing and claim information online or with the Travelers mobile app.

The company is based in St. Paul, Minnesota.

In this review:

Auto insurance satisfaction ratings
Auto insurance policy features
Car insurance discounts
Car insurance surcharges
Website & app ratings
Auto insurance complaints
Home insurance satisfaction ratings
Company subsidiaries
Travelers contact information

Travelers auto insurance customer satisfaction ratings 

We asked current Travelers car insurance customers to score the company. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best car insurance companies survey.

Would you choose Travelers again?

As another measure of satisfaction, we asked current Travelers auto insurance customers if they would choose the company again. About half would.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose Travelers auto insurance again?

Does Travelers have what you want?

Do you want special features in a car insurance policy? Here's a look at what Travelers offers as add-ons or separate policies. Note that availability can vary by state.

More details about Travelers auto insurance options

Responsible Driver Plan
This option gives you forgiveness for one accident and one minor traffic violation every 36 months.

Premier Responsible Driver Plan
This gives you the accident and minor violation forgiveness in the "Responsible Driver Plan" plus:

  • Decreasing deductible: For every six months that all drivers on a policy have no accidents or major violations, you'll get a $50 credit up to $500 that will be applied toward your deductible if you make a claim in the future.
  • Total Loss Deductible Waiver: You won't pay a deductible if your car is totaled.

Premier new car replacement
If you total your new car in the first five years, Travelers will pay to replace it with a brand-new car of the same make and model.

Travelers car insurance discounts

Auto insurers must file their rates and policies with each state where they operate. EverQuote reviewed several Travelers insurance filings to find discount details. Discounts details may vary among states, and might not be available in all states or from each Travelers Insurance subsidiary.


Safe driver 

Good payer 
Based on the number late payments or insufficient funds payments in the last 36 months.

Good student 
For full-time students age 16 and older who meet academic criteria such as a B average or better.

Student away at school 
When a youthful driver is more than 100 miles away from home and without a car.

Driver training 
For drivers under age 21 who have a completed driver training course that meets certain requirements.

If you belong to certain groups, such as an employer or credit union, that has a discount arrangement with Travelers.

Continuous insurance 
Based on the number of months you've had auto insurance without a lapse or gap.

Defensive driver 
For customers age 55 and older who complete an approved accident-prevention course.

New car 

Hybrid vehicle 

Electric vehicle 

Passive restraint 
For items such as air bags and seat belts.



Early quote 
Based on the date the new policy was quoted, the effective date, the expiration date of the prior policy, the prior insurance company, your residence type and the policy length.

Paid in full 
For paying your bill in a lump sum.

Electronic payment 
For paying by electronic funds transfer or payroll deduction.

IntelliDrive enrollment 
For signing up for Travelers' usage-based insurance program, which tracks driving habits.

What can increase car insurance rates?

It's common for car insurance companies raise rates after accident and tickets. EverQuote reviewed state insurance filings by Travelers to determine what will cause a rate increase. These factors could vary by state and Travelers subsidiary.

Travelers generally calculates an incident count and rate by looking for these problems:

At-fault accidents where there was a claim and you were more than 50% at fault.

Major convictions such as a reckless driving, a DUI or attempting to elude an officer.

Intermediate convictions such as speeding 11 to 15 mph over the speed limit.

Minor convictions such as speeding 1 to 5 mph over the speed limit.

Not-at-fault accidents over a certain dollar threshold (such as $500 total).

Not-at-fault accidents under a certain threshold that happened before the customer switched to Travelers.

Comprehensive coverage losses over a certain threshold (such as a total of $1,000).

Examples of not-at-fault accidents can include:

  • Damage when your vehicle was lawfully parked.
  • Damage from a person who has a judgment against them for the accident.
  • Being rear-ended and not receiving a moving violation associated with the accident.

Website & app

We asked Travelers auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints against Travelers Insurance

Complaints about Travelers car insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 

Travelers car insurance complaints

Travelers home insurance satisfaction ratings

We asked current Travelers homeowners insurance customers to rate the company. Here are their scores.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best home insurance companies survey.

Would you choose Travelers homeowners insurance again?

We also asked current Travelers home insurance customers if they would choose the company again. A little over half said yes.

In our survey, customers of Chubb were most likely to say they would choose the same company again (87%).

Would you choose the company again?

Companies within Travelers Cos. Inc.

Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Travelers' subsidiaries include:

  • Travelers Indemnity Co.
  • Travelers Casualty & Surety Co.
  • St. Paul Fire & Marine Insurance Co.
  • Travelers Cas & Surety Co. Am
  • Phoenix Insurance Co.
  • Standard Fire Insurance Co.
  • U.S. Fidelity & Guaranty Co.
  • Travelers Casualty Insurance Co. of America
  • Northland Insurance Co.
  • Travelers Property Casualty Co. of America
  • Travelers Indemnity Co. of CT
  • Automobile Insurance Co. of Hartford
  • Farmington Casualty Co.
  • Premier Insurance Co. of MA
  • Charter Oak Fire Insurance Co.
  • St. Paul Protective Insurance Co.
  • First Floridian Auto & Home
  • St. Paul Surplus Lines Insurance Co.
  • Travelers Indemnity Co. of America
  • Northfield Insurance Co.
  • St. Paul Mercury Insurance Co.
  • Travelers Home & Marine Insurance Co.
  • American Equity Insurance Co.
  • Travelers Commercial Cas Co.
  • Fidelity & Guaranty Insurance
  • Travelers Commercial Insurance Co.
  • Travelers Casualty Co. of CT
  • Select Insurance Co.
  • Travelers Property Casualty Insurance Co.
  • TravCo Insurance Co.
  • Travelers Personal Sec Insurance Co.
  • Discover P&C Insurance Co.
  • Travelers Excess & Surplus
  • Travelers Personal Insurance Co.
  • Travelers Casualty Co.
  • Travelers Constitution State
  • Gulf Underwriters Insurance Co
  • Northland Casualty Co.
  • Discover Specialty Insurance Co.
  • American Equity Specialty Insurance Co.
  • St. Paul Guardian Insurance Co.
  • Fidelity & Guaranty Insurance Co.
  • Travelers Lloyds of TX Insurance Co.
  • Travelers Lloyds Insurance Co.

Source: S&P Global Market Intelligence

Travelers contact information

385 Washington Street
Saint Paul, MN 55102
Customer service: (800) 842-5075
Claims: 1-800-Claim33 (800-252-4633)


For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Travelers in January 2019. The survey was not open to the public on 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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