- Our take
- States where Travelers offers coverage
- What does Travelers auto insurance cover?
- How does Travelers insurance rank?
- How much is Travelers auto insurance?
- Travelers car insurance rates by state
- Travelers insurance rates for teens
- Travelers insurance rates for adults
- Travelers insurance rates for seniors
- Travelers insurance rates by driver profile
- Travelers insurance discounts
- Sources & Methodology
- What do people ask about Travelers insurance?
Our take
Travelers Insurance scores very highly in several categories that matter most to drivers, including low rates, few complaints filed with the National Association of Insurance Commissioners (NAIC) and financial stability.
It rated just a little under average in the 2024 J.D. Power auto claims satisfaction survey but has ranked well in the past. Travelers is a big company with a solid financial footing that’s a good bet for most drivers since it’s available in all states. It’s No. 3 ranking in our Best Car Insurance Companies of 2024 list indicates it’s a good choice.
States where Travelers offers coverage
Available in all states.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What does Travelers auto insurance cover?
Travelers offers a full range of car insurance policies to meet most drivers’ needs, and can also bundle your home insurance and other policies.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Loan/lease gap
- Rental reimbursement
- Roadside assistance
- New car replacement
- Accident forgiveness
- Rideshare coverage
How does Travelers insurance rank?
Compared to its largest competitors Travelers ranks among the best, particularly on cheaper rates, a good track record with the NAIC and financial stability. It ranked third overall in our study of the top 15 national car insurance providers. The company did not rank in the top half of the 2024 J.D. Power customer satisfaction survey but finished among the top choices overall in our ranking.
Here's a look at how it compared to a selection of competitors.
| Company | AM Best | J.D. Power auto claims satisfaction | NAIC complaint ratio* | Average annual premium(Out of 5) | Overall score |
|---|---|---|---|---|---|
| Travelers | A++ | 871 | 0.49 | 4.62 | 4.62 |
| Geico | A++ | 871 | 0.91 | 3.99 | 4.20 |
| State Farm | A++ | 891 | 0.7 | 3.23 | 4.27 |
| Progressive | A+ | 870 | 0.65 | 3.15 | 4.14 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Travelers auto insurance?
Travelers isn’t the cheapest auto insurance provider we surveyed – that honor went to Erie Insurance. But unlike Erie, it is widely available across the country and ranked fourth overall for lowest rates.
The average full coverage rate for a 40-year-old driver is $1,606 per year or $134 per month. That’s ower than most national carriers, including Geico at $1,763.
Here is a comparison of rates with several Travelers’ competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Travelers | $1,606 | $134 |
| Geico | $1,763 | $147 |
| State Farm | $1,984 | $165 |
| Progressive | $1,998 | $166 |
Travelers car insurance rates by state
Where you live is a major factor in what you pay for car insurance.
Car insurance rates by state vary, Some states have considerably higher insurance rates because of frequent hail events, flooding, higher litigation costs and other factors.
Drivers in New York and California pay some of the highest rates for Travelers auto insurance while those in Maine and Pennsylvania will get some of the best deals.
Here’s a sample of rates from selected states for a 40-year-old driver.
| State | State minimum | Liability 50/100/50 | Full coverage 100/300/100 liability, $500 deductibles |
|---|---|---|---|
| Alabama | $403 | $558 | $1,428 |
| Arkansas | $432 | $566 | $1,442 |
| Arizona | $480 | $649 | $1,489 |
| California | $629 | $954 | $2,460 |
| Delaware | $512 | $688 | $1,595 |
| Florida | $715 | $1,150 | $2,356 |
| Iowa | $310 | $369 | $1,238 |
| Idaho | $323 | $405 | $1,263 |
| Illinois | $415 | $468 | $1,119 |
| Indiana | $361 | $431 | $1,264 |
| Kansas | $398 | $423 | $1,601 |
| Kentucky | $609 | $732 | $1,804 |
| Massachusetts | $721 | $881 | $2,274 |
| Maryland | $647 | $715 | $1,523 |
| Maine | $331 | $332 | $853 |
| Michigan | $378 | $394 | $1,817 |
| Minnesota | $550 | $579 | $1,618 |
| Missouri | $454 | $525 | $1,515 |
| Mississippi | $457 | $632 | $1,636 |
| New Jersey | $983 | $1,043 | $1,706 |
| Nevada | $634 | $926 | $1,995 |
| New York | $1,362 | $1,467 | $2,677 |
| Ohio | $380 | $467 | $1,336 |
| Oregon | $534 | $585 | $1,318 |
| Pennsylvania | $243 | $340 | $952 |
| Rhode Island | $559 | $831 | $1,946 |
| South Carolina | $712 | $984 | $1,949 |
| Tennessee | $390 | $486 | $1,395 |
| Virginia | $382 | $419 | $1,169 |
| Washington | $398 | $713 | $1,503 |
| Wisconsin | $319 | $372 | $1,089 |
Travelers insurance rates for teens
As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Travelers. The average cost of teen car insurance with Travelers is $4,834 a year.
Here’s a comparison of the rates a teenage driver can expect to pay annually with Travelers versus those for older drivers.
| Company | Teenage drivers aged 16-19 | Young adults aged 20-24 | 40-year-old adult |
|---|---|---|---|
| Travelers | $4,834 | $2,476 | $1,480 |
| Geico | $5,049 | $2,647 | $1,763 |
| State Farm | $5,368 | $3,179 | $1,984 |
| Progressive | $7,174 | $3,242 | $1,998 |
Travelers insurance rates for adults
While teens will pay some of the highest rates of their driving years, the good news is that as you age, you will see a steady decline in insurance premiums. Only the oldest of drivers will see that trend reverse.
While it can vary slightly by insurance company adults will see pay some of their cheapest rates at around the age of 60. With Travelers, the cheapest rates come a bit younger, around 55, when rates average $1,462 a year for a male driver and $1,419 for a female.
Here’s what adults can expect to pay annually for full coverage car insurance with Travelers at various ages.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 25 | $1,883 | $1,826 |
| 30 | $1,780 | $1,724 |
| 35 | $1,730 | $1,685 |
| 40 | $1,626 | $1,587 |
| 45 | $1,599 | $1,556 |
| 50 | $1,566 | $1,521 |
| 55 | $1,462 | $1,419 |
| 60 | $1,466 | $1,414 |
| 65 | $1,503 | $1,439 |
Travelers insurance rates for seniors
Rates tend to creep up again for senior drivers, as the risk of an accident increases due to age-related issues such as slower reflexes and changes in eyesight.
Rates generally begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens. The average cost of a Travelers policy at age 65 is $1,466 a year for a male and $1,414 for a female.
Here’s what a senior driver can expect to pay annually with Travelers at various ages.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 60 | $1,466 | $1,414 |
| 65 | $1,503 | $1,439 |
| 70 | $1,613 | $1,515 |
| 75 | $1,806 | $1,664 |
Travelers insurance rates by driver profile
Insurance companies are very good at crunching numbers and have extensive risk profiles of drivers at every age, stage of life, and gender.
Because it increases the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., insurance companies look at things like whether you have any speeding tickets on record or at-fault accidents. Those with a generally poor driving record can expect to see the sharpest premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increases. Poor credit is also associated with a higher risk of claims, so insurers charge higher rates.
Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Travelers. The highest rates are seen for people with poor credit.
| Clean record | At-fault accident | Speeding ticket | Poor credit rating |
|---|---|---|---|
| $1,626 | $2,509 | $2,417 | $3,053 |
Travelers insurance discounts
Aside from shopping around, one of the best ways to lower your insurance premiums is to see if you are eligible for discounts.
Carriers generally offer discounts for a wide range of items such as bundling insurance policies with the same carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., installing safety devices in your vehicle, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.
The discounts can range from 5% up to as much as 30%. Sometimes you can qualify for multiple discounts.
Travelers offers a good selection of auto insurance discounts to clients including the following:
- Multi-policy
- Multi-car
- Homeownership
- Safe driver
- Continuous insurance discount
- Hybrid/electric car discount
- New car discount
- EFT/good payer/pay in full discount
- Early quote
- Good student
- Student away at school
- Driver training course
Sources & Methodology
Methodology
Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.
Source
Travelers. “Car insurance discounts.” Accessed August 2024.
What do people ask about Travelers insurance?
To help you find out what you need to know about Travelers, we took a look at some of the questions being asked about the company online.
Why did my Travelers rate go up?
Car insurance rates go up for a lot of reasons. Sometimes it’s related to the driver, like a ticket or accident, but it may simply be an across-the-board rate increase. Car insurance rates have increased nationwide recently in response to higher claim costs related to issues like increased cost of parts and labor and increased incidences of severe weather. If you don’t know why your rate went up, contact Travelers to ask.
Is Travelers good at paying claims?
Travelers has an A++ rating with AM Best, which indicates its financial ability to pay claims. However, based on a consumer survey, J.D. Power rated it a little below average for claims satisfaction. Of course, there are many aspects to claims satisfaction, and the lower rating doesn’t mean the company doesn’t pay claims but may reflect the claims process more than the outcome.
Is Travelers a good insurance company?
Travelers has a low complaint volume with the NAIC, among the lowest of the companies we surveyed, and a strong customer satisfaction record. Many clients speak favorably of their experiences with Travelers.
Not all comments are favorable, of course, so it can be highly dependent on your individual experience.
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