Travelers Auto Insurance Review for 2025 (Rates, Discounts, & Options)
Travelers auto insurance starts at $49 per month and includes liability, collision, comprehensive, and PIP coverage. Learn more in our Travelers auto insurance review to see how bundling can save you up to 13% and why Travelers stands out for accident forgiveness, new car replacement, and IntelliDrive.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: May 1, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 1, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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1,733 reviewsCompany Facts
Monthly Rate
A.M. Best
Complaint Level
Pros & Cons
1,733 reviewsExplore our Travelers auto insurance review with rates starting at $49/month, plus up to 13% off for bundling based on your age, driving history, and location.
Travelers Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.3 |
| Business Reviews | 4.5 |
| Claim Processing | 4.5 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.3 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.1 |
| Plan Personalization | 4.5 |
| Policy Options | 4.1 |
| Savings Potential | 4.4 |
Backed by strong financial stability, Travelers auto policies are issued through The Travelers Indemnity Company, known for comprehensive auto insurance and nationwide support.
Divisions like Travelers Casualty and Surety Company provide bonds and liability coverage, while The Travelers Casualty Company underwrites diverse policies nationwide.
- Travelers auto insurance review shows rates starting at just $49 per month
- Offers accident forgiveness, IntelliDrive savings, and bundling discounts
- Strong underwriting and claims support through trusted Travelers divisions
With flexible coverage, strong claims support, and trusted underwriting, Travelers is a top choice for drivers and businesses. Start saving on your auto insurance by entering your ZIP code and comparing quotes.
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Travelers Auto Insurance Cost
Travelers auto insurance rates vary significantly based on age, gender, and coverage level. Teen drivers face the highest costs, with 16-year-old males paying up to $1,298 for full coverage, while experienced drivers, like 60-year-old females, see rates as low as $49 for minimum coverage.
Travelers Auto Insurance Monthly Rates by Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $392 | $1,026 |
| 16-Year-Old Male | $517 | $1,298 |
| 18-Year-Old Female | $319 | $757 |
| 18-Year-Old Male | $443 | $1,056 |
| 25-Year-Old Female | $57 | $152 |
| 25-Year-Old Male | $62 | $165 |
| 30-Year-Old Female | $53 | $142 |
| 30-Year-Old Male | $58 | $154 |
| 45-Year-Old Female | $53 | $139 |
| 45-Year-Old Male | $53 | $141 |
| 60-Year-Old Female | $49 | $127 |
| 60-Year-Old Male | $50 | $129 |
| 65-Year-Old Female | $52 | $136 |
| 65-Year-Old Male | $53 | $138 |
Rates drop notably by age 25, and gender differences narrow with age. Knowing how to compare auto insurance companies helps drivers better understand Travelers auto insurance quotes and make smarter coverage choices.
Age and gender affect risk, which impacts your auto insurance rate. Focus on qualifying discounts to save. For example, enrolling in a telematics program can lower costs.
Michelle Robbins Licensed Insurance Agent
Travelers auto insurance rates remain competitive across all credit tiers, with monthly premiums averaging $120 for good credit, $145 for fair credit, and $210 for bad credit. While Travelers isn’t the cheapest, it offers solid value compared to major competitors like Allstate and Liberty Mutual, and remains more affordable than many for drivers with lower credit scores.
Auto Insurance Full Coverage Rates by Provider & Credit Score| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
 | $130 | $165 | $240 |
 | $119 | $150 | $225 |
 | $127 | $158 | $235 |
 | $115 | $140 | $200 |
 | $132 | $160 | $245 |
 | $118 | $148 | $215 |
 | $125 | $155 | $220 |
 | $110 | $135 | $190 |
| $120 | $145 | $210 |
 | $98 | $120 | $180 |
USAA and State Farm offer the lowest rates, with the USAA auto insurance review noting strong affordability and service. Travelers, however, stands out for its balance of cost, coverage, and financial strength, helping drivers compare how credit scores affect rates.
Travelers auto insurance rates rise with violations, starting at $53/month for drivers with clean records. A single ticket can increase rates to $72, while a DUI may raise premiums to $112.
Maintaining a clean driving history is one of the best ways to save on both minimum and full coverage. For more ways to cut costs, check out our 17 tips to pay less for car insurance and maximize your potential savings.
Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $72 | $130 |
| $62 | $119 |
| $70 | $127 |
| $60 | $115 |
| $74 | $132 |
| $63 | $118 |
| $68 | $125 |
| $58 | $110 |
| $65 | $120 |
| $50 | $98 |
Travelers offers competitive rates at $65/month for minimum coverage and $120 for full coverage. It stands close to top providers like Geico and State Farm, offering strong value. For a better comparison, explore everything you need to know about Geico, including rates and coverage.
Top Travelers Auto Insurance Discounts to Help You Save More
Travelers offers various discounts to help policyholders save more. Drivers can save up to 20% through the IntelliDrive program, 15% for continuous coverage, and 13% by bundling home and auto.
Travelers Auto Insurance Discounts by Savings Potential| Discount | |
|---|---|
| IntelliDrive® Program | 20% |
| Continuous Insurance | 15% |
| Bundling | 13% |
| New Car | 10% |
| Safe Driver | 10% |
| Multi-Car | 8% |
| Good Student | 8% |
| Hybrid/Electric Vehicle | 5% |
| Driver Training | 5% |
| Home Ownership | 5% |
Travelers offers key programs that support customers and communities. MyTravelers is a secure platform for managing policies, payments, and claims. The Travelers Institute promotes public policy dialogue on key issues, while Citizen Travelers fosters civic engagement and community leadership.
Travelers offers several valuable auto insurance discounts that reward safe driving, policy loyalty, and wise bundling. Here are some top ways to save on your premium.
- IntelliDrive Program: Save up to 20% by allowing Travelers to monitor your driving habits through a mobile app. Safe driving behavior results in bigger discounts.
- Continuous Insurance Discount: Earn up to 15% off if you’ve maintained auto insurance coverage without any gaps.
- Bundling Discount: Save up to 13% when you bundle your auto insurance with a home, renters, or other Travelers policy.
- Safe Driver Discount: Get up to 10% off for maintaining a clean driving record over a certain period.
- Good Student Discount: Drivers who are full-time students with good academic performance may qualify for up to 8% off their premiums.
Additional savings include discounts for safe driving, new cars, multiple vehicles, good students, and hybrid or electric vehicles.
With these options, Travelers is often recognized as one of the best auto insurance for good drivers, making it a cost-effective and rewarding choice for those with a clean driving record.
Travelers Auto Insurance Coverage Options
Understanding your coverage options is key to choosing the right auto insurance, especially when looking for the cheapest car insurance that still offers reliable protection. Travelers provide a variety of plans designed to safeguard you, your passengers, and your vehicle.
Here are the core coverage types tailored to meet your specific needs.
Here are the core coverage types tailored to meet your specific needs.
- Liability Coverage: Liability coverage helps pay for injuries and property damage to others if you’re at fault. It includes bodily injury and property damage and is required in most states.
- Collision Coverage: Collision coverage pays for damage to your car from a crash, no matter who is at fault and is ideal for newer or financed vehicles.
- Comprehensive Coverage: This protects your car from non-collision events such as theft, vandalism, fire, hail, falling objects, or hitting an animal. It’s often paired with collision coverage for full protection.
- Uninsured/Underinsured Motorist Coverage: This coverage helps pay for your medical bills and damages if an uninsured or underinsured driver causes an accident.
- Medical Payments Coverage (MedPay): MedPay covers medical expenses for you and your passengers after an accident, regardless of fault, including hospital visits, surgeries, and sometimes funeral costs.
With these coverage options, Travelers makes it easier to build a personalized policy that fits your lifestyle and budget.
Whether you want basic liability protection or more comprehensive security, Travelers provides the flexibility and support to keep you confident behind the wheel.
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Travelers Auto Insurance Ratings and Customer Reviews
Travelers receives strong ratings across top industry review platforms. It holds an A++ from A.M. Best for superior financial strength and an A rating from the BBB for reliable business practices. Consumer Reports scores it 76/100, reflecting generally positive customer feedback, while J.D. Power gives it a 684/1,000, indicating above-average satisfaction.
Travelers Auto Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: A++ Superior Financial Strength |
 | Score: A Good Business Practices |
 | Score: 76/100 Good Customer Feedback |
 | Score: 684 / 1,000 Above Avg. Satisfaction |
 | Score: 1.12 Avg. Complaints |
The NAIC score of 1.12 reflects average complaint levels, highlighting Travelers’ solid service and reliability. Learn more in our guide, how to file an auto insurance claim & win it each time.
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On Reddit, one user said Travelers was the best home and auto insurance provider, particularly for its dependable claims process.
They strongly recommended choosing Travelers over other insurers, highlighting their positive experience and overall satisfaction.
Pros and Cons of Travelers Auto Insurance
When considering Travelers, you will want to balance the pros and cons. With a good reputation for financial strength, broad availability, and customizable coverage options, Travelers holds broad appeal for many drivers.
- Strong Financial Stability: Holds an A++ rating from A.M. Best, indicating superior financial strength and reliability in paying claims.
- Nationwide Availability & Agent Network: Available in most states with over 13,000 agents, making personalized assistance widely accessible.
- Customizable Coverage Options: Features unique add-ons like accident forgiveness, new car replacement, rideshare coverage and gap insurance.
However, certain discounts vary by state, and the most competitive rates are typically reserved for those with clean driving histories.
- Complex Discounts by State: Some discounts, like IntelliDrive or safe driver, are not available in all states, such as California and New York.
- Best Rates Require Excellent Driving History: Discounts and competitive pricing heavily favor drivers with clean records, making it less ideal for high-risk individuals.
Travelers stands out with broad coverage and strong financial backing. While not always the cheapest for high-risk drivers, it’s a solid choice for long-term protection.
To save more, check out the 17 car insurance discounts you can’t miss from Travelers.
Find Affordable Coverage With Travelers Auto Insurance
From $49 per month, this Travelers auto insurance review outlines the company’s solid financial support, large agent network, and flexible coverage options, including accident forgiveness and IntelliDrive. Travelers is best known for its customized policies and dependable claims support.
However, its higher-than-average premiums and limited discounts in some states may be drawbacks for cost-sensitive or high-risk drivers. Still, it’s a strong choice for long-term value. Explore 26 hacks to save more money on car insurance to maximize your savings.
You can find affordable auto insurance, no matter your driving record, by entering your ZIP code into our free quote comparison tool.
Enter your zip code below to view companies that have cheap insurance rates.
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Frequently Asked Questions
Does getting a Travelers insurance quote affect my credit score?
No, requesting a quote from Travelers will not impact your credit score. While credit-based insurance scores may be used to help determine pricing in many states, the inquiry made during a quote is considered a “soft pull” and does not affect your credit history.
Are savings guaranteed according to Travelers IntelliDrive reviews?
No, savings aren’t guaranteed. Travelers IntelliDrive reviews mention that while safe drivers can save up to 20%, poor driving behavior during the 90-day assessment period may lead to rate increases in some states.
Comparing quotes is integral to finding the best rates possible. Enter your ZIP code into our free tool today to see what quotes might look like for you.
How do Travelers car insurance reviews compare to competitors like Geico or State Farm?
Compared to Geico or as seen in the State Farm auto insurance review, Travelers car insurance reviews highlight its strength in policy flexibility and financial stability. However, Travelers may fall slightly behind in affordability and mobile app user satisfaction when compared to State Farm.
Do Travelers insurance reviews recommend it for new or high-risk drivers?
Reviews suggest that Travelers is best suited for low-risk, experienced drivers. New or high-risk drivers may find better initial pricing with competitors, though Travelers still offers valuable features like usage-based discounts and flexible coverage.
Does Travelers insurance company cover rental cars after an accident?
Yes, if you have rental reimbursement coverage on your policy, Travelers will help pay for a rental car while your insured vehicle is being repaired due to a covered accident.
How do coverage options compare in Nationwide vs Travelers policies?
Both insurers offer standard coverages like liability, collision auto insurance, and comprehensive. However, Travelers stands out for add-ons like new car replacement, accident forgiveness, and gap insurance, while Nationwide focuses more on basic, affordable plans with optional features like vanishing deductibles.
How do rates for Travelers auto insurance in Virginia compare to other providers?
Travelers auto insurance in Virginia offers competitive rates, starting as low as $49/month, though final premiums depend on factors like driving record, credit score, and location.
Can I purchase a policy directly after using Travelers digital quoting?
Yes, once you receive your quote, you can proceed to customize your coverage and purchase the policy online. You also have the option to connect with an agent if you need assistance finalizing the purchase.
Is Travelers Insurance good for bundling auto and home policies?
Absolutely. Travelers offers up to 13% in savings when you bundle auto insurance with home, renters, or condo policies, making it a strong choice for multi-policy customers seeking cheap auto insurance for multiple vehicles.
How much is Travelers insurance for teen drivers?
Travelers tends to be more expensive for teens, with full coverage for a 16-year-old male reaching up to $1,298 per month, due to higher risk profiles.
Does Travelers automobile insurance cover rental cars and rideshare driving?
Yes, you can add rental reimbursement and rideshare coverage to your Travelers automobile insurance policy. These options provide protection while your car is being repaired or when driving for companies like Uber or Lyft.
How do The General and Travelers compare in terms of coverage options?
Travelers provides a wider range of customizable coverage options, including accident forgiveness, new car replacement, and rideshare coverage. In contrast, The General insurance review highlights its focus on basic, state-minimum coverage, making it a suitable choice for drivers seeking fast, no-frills insurance with fewer add-ons.
Can I customize my Travelers insurance full coverage policy?
Yes, Travelers allows customization of full coverage policies. You can add options like accident forgiveness, new car replacement, and gap insurance to tailor your protection to your needs.
Does Travelers vehicle insurance cover rental cars and roadside assistance?
Yes, Travelers vehicle insurance offers optional add-ons for rental car reimbursement and 24/7 roadside assistance, which can be added to your policy for extra peace of mind while traveling.
Who should consider purchasing Travelers gap insurance?
Travelers gap insurance is ideal for those who lease or finance with little down payment. It’s especially helpful if you’re considering how to lease a car when you can’t afford to buy one, offering protection if your car is totaled or stolen early in the term.
Is Travelers new car replacement coverage included automatically?
No, Travelers new car replacement is an optional add-on. You must specifically request it when purchasing your auto insurance policy, and it may come at an additional cost.
Can I bundle Travelers commercial auto insurance with other business policies?
Yes, Travelers allows bundling commercial auto insurance with general liability, property, and workers’ compensation policies. Bundling can simplify management and often results in cost savings.
Can I bundle auto and home policies with Travelers insurance in Utah?
Absolutely. Travelers insurance in Utah offers bundling options for auto, home, renters, and condo insurance, making it one of the best renters insurance companies for those seeking savings and convenience. Bundling can lead to significant discounts and streamlined policy management.
See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool.
Enter your zip code below to view companies that have cheap insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
