Travelers Auto Insurance Review

Last Updated on January 7, 2026

Travelers (The Travelers Companies, Inc.) is a major property and casualty insurer headquartered in New York City. The company traces its roots to 1853 and sells auto, home, and business insurance across the U.S., largely through independent agents. Travelers is especially well-known for its commercial insurance expertise, strong financial stability, and a wide menu of optional auto coverages.

In this Travelers auto insurance review, we’ll break down the coverages you can buy, standout features like IntelliDrive® and new car replacement, common discounts, what to know about pricing, and how to contact Travelers for quotes or claims.

Types of Auto Insurance Coverage Offered by Travelers

Travelers offers the core protections most drivers need, plus several useful add-ons. Coverage options (and eligibility) can vary by state, vehicle type, and driver profile.

Core Coverages

• Liability Coverage: Travelers offers liability coverage, which typically includes bodily injury and property damage liability. It helps pay for injuries and damage you cause to others in an at-fault accident (and it’s required in almost every state).
• Uninsured and Underinsured Motorist Coverage: Uninsured/underinsured motorist coverage can help protect you if you’re hit by a driver with no insurance or not enough insurance. It may also apply in certain hit-and-run situations, depending on your state and policy terms.
• Collision Coverage: Optional in every state, collision coverage helps pay to repair or replace your vehicle after a crash with another car or object (regardless of fault in many cases). Lenders usually require it if you finance or lease.
• Comprehensive Coverage: Also optional, comprehensive coverage helps cover damage from non-collision events like theft, vandalism, hail, falling objects, glass damage, and animal strikes.
• Medical Payments Coverage: Also known as MedPay, medical payments coverage can help pay medical bills for you and your passengers after an accident, regardless of who caused it (coverage rules vary by state).
• Personal Injury Protection: Required in some no-fault states, personal injury protection (PIP) can cover certain medical expenses and related costs (like lost wages) after an accident, regardless of fault.
• Rental Coverage: Travelers can offer rental car reimbursement (sometimes called extended transportation expense coverage). For an added cost, rental reimbursement coverage helps pay for a rental vehicle while your car is being repaired after a covered claim.

Optional Add-Ons and Extras

• Roadside Assistance: You can add roadside assistance to your Travelers auto policy for help with common breakdown problems like towing, jump starts, lockouts, fuel delivery, and flat tires (limits and services vary by state and plan).
• Loan and Lease Gap Insurance: If you finance or lease your car, gap insurance can protect you if your vehicle is totaled and you owe more than it’s worth. This is especially important early in a loan when depreciation is steep. (Here’s more on what happens when a car is declared a total loss.)
• New Car Replacement: Travelers is known for offering new car replacement coverage in many states. If you total a qualifying newer vehicle, this option can pay to replace it with a brand-new car of the same make and model (eligibility rules apply).
• Full Glass Coverage: With full glass coverage through Travelers, you may be covered for windshield repair or replacement with a reduced or waived glass deductible, depending on your state and policy terms.
• Rideshare Coverage: Travelers has offered rideshare coverage in select states (availability can change). If you drive for a transportation network company, compare options for Uber and Lyft drivers so you don’t get caught in a coverage gap between your personal policy and the app’s coverage periods.
• Named Non-Owner Insurance: If you need liability coverage but don’t own a car, you may be able to buy non-owner car insurance. This can be useful if you frequently rent cars, borrow vehicles, or need coverage to reinstate a license (availability varies).

What Makes Travelers Auto Insurance Stand Out?

Travelers offers many of the same building blocks as other large insurers, but a few features stand out—especially if you want a policy you can customize.

• IntelliDrive®: Travelers’ IntelliDrive program uses a smartphone app for a 90-day tracking period to evaluate driving behaviors. Safer driving can lead to meaningful discounts, while riskier driving may increase premiums in many states—so it’s best for drivers who are confident in their habits and comfortable using an app.
• Forgiveness Options: Travelers is known for offering forgiveness-style features in many states, including accident forgiveness and (in some cases) minor violation forgiveness, which can help soften the financial impact of a first mistake.
• Usage-Based Insurance Choice: If you like the idea of “paying based on how you drive,” read up on whether usage-based insurance is a good match before enrolling. These programs can be great for safe, low-risk drivers but aren’t ideal for everyone.
• Strong National Footprint: Travelers has a large independent agent network and broad availability, which can be a plus if you prefer working with an agent (especially for complex household or multi-policy situations).

What Travelers Auto Insurance Typically Doesn’t Cover

Like most carriers, Travelers auto insurance won’t cover everything. Common exclusions and limitations often include:

• Wear and tear or routine maintenance (brakes, tires, oil changes)
• Mechanical breakdowns unless tied to a covered loss (a warranty is different from insurance)
• Intentional damage
• Driving for rideshare/delivery without the proper endorsement (coverage gaps can apply)
• Using your vehicle for certain business purposes that require a commercial policy

If you’re unsure whether something is covered, review your declarations page and policy wording, or ask your agent to explain exclusions in plain English.

How Much Does Travelers Auto Insurance Cost?

Car insurance has gotten more expensive nationwide, and Travelers is no exception. The good news: Travelers is often competitively priced for many drivers with clean records—especially compared to other big-name insurers. The not-so-good news: your premium can still swing dramatically based on where you live and your driving profile.

For broader context on how pricing trends have changed, see our guide on what Americans pay for car insurance on average.

Factors that tend to impact Travelers auto insurance rates include:

• Your state, city, and ZIP code
• Your driving history (tickets, accidents, claims, lapses)
• Your age and household drivers
• Your vehicle (value, safety features, repair costs, theft rates)
• Coverage limits, deductibles, and add-ons (gap, rental, roadside, etc.)
• Your insurance-based credit score in states where it’s allowed

Tip: The best way to judge price is to compare at least 2–3 quotes using the same coverages and deductibles. A “cheap” policy can get expensive fast if it’s missing protections you actually need.

Travelers Auto Insurance Discounts

Travelers offers a long list of potential discounts (availability varies by state and underwriting). You can review a fuller breakdown of Travelers insurance discounts here, but these are some of the most common savings opportunities drivers ask about:

• IntelliDrive Discount: A telematics-based option that can reward safer driving. If you want to understand the pros and cons of tracking programs, read: Can telematics help you save on auto insurance?
• Affinity and Membership Discounts: Some drivers qualify through certain employers, associations, or groups. Here are examples of organizations that can offer car insurance discounts.
• Good Student Discount: Students with strong grades may qualify. Learn more about the good student discount.
• Student Away at School Discount: If a student is away at school and not regularly driving the insured vehicle, some households can qualify. See details on the distant student discount.
• Pay-in-Full / EFT / On-Time Payment Discounts: Savings may be available based on how you pay. Here’s a guide on paying car insurance in full vs. monthly.
• Safe Driver Discount: Drivers with a clean record may earn savings. See our breakdown of the good driver discount.
• Continuous Coverage Discount: Many insurers reward drivers who maintain coverage without gaps. Read more about the continuous coverage discount.
• Hybrid / Electric Vehicle Discount: Travelers may offer savings for certain “green” vehicles. More on whether hybrids or EVs are cheaper to insure.
• Homeowner Discount: You might qualify just for owning a home (even if it’s insured elsewhere). Here’s how homeowners can get auto insurance discounts.
• Multi-Car Discount: Insuring more than one vehicle can reduce your per-car rate. See our guide to multi-car discounts.
• Multi-Policy Discount: Bundling home and auto is one of the most common ways to save. Here’s how bundling auto and homeowners insurance works.

Pros and Cons of Travelers Auto Insurance

Pros

• Strong reputation for financial stability and long-term reliability
• Broad coverage menu with useful add-ons like gap coverage, glass coverage, and new car replacement
• Discount opportunities for safe drivers, students, bundles, and more
• Multiple policy management options (agent support plus online tools)

Cons

• Rates can be higher than competitors in some states or for higher-risk drivers
• Some coverages and discounts are state-specific and may not be available everywhere
• Online quoting isn’t available for every situation, so you may need to work with an agent depending on your state and risk profile
• Travelers does not offer a traditional loyalty program like some insurers (though it still offers various long-term customer discounts in certain cases)

Travelers Reviews and Third-Party Ratings

Travelers tends to score well with professional rating agencies for financial strength, which matters because it reflects an insurer’s ability to pay claims—even in years with heavy catastrophe losses. In 2025, Travelers maintained an A++ (Superior) financial strength rating from AM Best with stable outlooks.

On the customer experience side, results can be more mixed. Large national studies like J.D. Power’s U.S. Auto Insurance Study publish regional satisfaction results, and the best-performing insurer can differ significantly by region and state. If you’re shopping Travelers, it’s smart to look at local feedback and ask your agent about repair networks and claim timelines in your area.

Consumer review sites can also be inconsistent—some drivers report smooth claims and responsive service, while others mention delays or rate increases at renewal. Treat consumer review platforms as one data point, not the whole story.

How to Get a Quote or File a Claim With Travelers

You can shop Travelers through an independent agent, start online (in many states), or call for help. Claims can typically be filed by phone, online, or through Travelers’ digital service tools.

• To get a quote: Have your driver information, VIN (or vehicle details), address history, and current policy details ready—then compare coverages apples-to-apples.
• To file a claim: Gather photos, date/time/location, other driver info, police report number (if available), and any witness details before submitting.
• To lower your premium: Raise deductibles (if you can afford them), drop add-ons you don’t need, bundle policies, and confirm you’re getting every discount you qualify for.

FAQs on Travelers Auto Insurance

Travelers Contact Information

Here are the most common ways to reach Travelers for quotes, claims, and policy service.

Final Word on Travelers Auto Insurance

Travelers is a strong choice for drivers who want a financially stable insurer with a lot of coverage flexibility—especially if you’re interested in add-ons like new car replacement, forgiveness options, and usage-based savings through IntelliDrive. As with any large carrier, the “best” experience can depend on your state, agent, and local claims network, so it’s worth comparing quotes and checking local feedback.

If you’re considering Travelers and want a quick reference for phone numbers and support options, see our Travelers customer service contact number guide.