Travelers Auto Insurance Review: Competitive Discounts and Solid Products
Review
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Travelers is a good fit for drivers interested in full coverage auto insurance at an affordable price. Its new car replacement is also a big draw, as it's more generous than what many of its competitors offer. Check out our full Travelers auto insurance review to learn about its benefits and drawbacks.
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Travelers offers comprehensive car insurance policies and its long list of discounts keep its premiums affordable for most drivers. But those who value customer service highly may want to explore other options. Travelers fared especially poorly in this area.
Travelers insurance company is a decent contender for best cheap auto insurance. We found its premiums to be lower than other carriers for most drivers.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $157.17 | $162. 75 | $204.17 | $393.83 |
See how Travelers car insurance rates compare to the national averages across the auto insurance industry. These rates are broken out by common driver profiles, but specific quotes can vary.
| Travelers Insurance Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,920 | $2,389 |
| Accident on Record | $2,450 | $3,370 |
| Speeding Ticket on Record | $2,493 | $3,032 |
| DUI on Record | $3,065 | $4,380 |
| 18 Years OId - New Driver | $4,726 | $6,291 |
| 65 Years Old - Senior | $1,818 | $2,140 |
| Military Service | $1,953 | $2,375 |
| Minimum Coverage (Liability Only) | $738 | $787 |
Travelers car insurance offers many discounts that can help offset premium costs. Drivers should make sure to ask about any discounts to maximize savings.
Travelers is missing several common types of vehicle insurance, including RV and ATV/UTV coverage. But this shouldn't concern those who are only looking for auto insurance or a home and auto bundle.
Travelers offers all the standard coverages as well as several optional ones. Currently, it only offers its ridesharing endorsement in two states. Drivers interested in this option may have to consider another insurance provider.
Travelers auto insurance offers some popular optional endorsements like gap insurance, roadside assistance, and accident forgiveness. And its new car endorsement is better than most of its peers. If someone totals their new car in the first five years, Travelers will pay to replace it with a new car of the same make and model. Most other carriers limit this insurance coverage to one to three years, so a full five years of new car replacement stands out.
Travelers does not receive many customer complaints, which helps to give this car insurance company a solid rating with the National Association of Insurance Commissioners (NAIC). However, the J.D. Power U.S. Auto Claims Satisfaction Study tells a different story. Travelers fell below the industry average for customer satisfaction in nearly every region it appeared in. It also fared worse than many of its competitors, including:
It received similarly lackluster ratings in J.D. Power's U.S. Auto Claims Satisfaction Study.
Travelers' selection of insurance policies is broader than many of its competitors. Options like travel and wedding insurance are pretty rare among top insurers. So it's an excellent choice for those interested in bundling these policies with other types of insurance.
2025 Award Winner
2025 Award Winner
When looking for great customer service: State Farm shines where Travelers auto insurance doesn't when it comes to customer satisfaction scores. It received above-average scores in J.D. Power's latest survey. However, it doesn't offer new car replacement.
When trying to keep costs down: Geico is one of the most popular insurers for drivers who are trying to keep costs down. Its policies are known for being affordable, and there are many discounts available to help drivers save. But it's missing some of the rare additional coverage options, like new car replacement, which is something drivers will find with Travelers.
Travelers is best suited for drivers who:
But young drivers looking to save money may want to consider Geico or State Farm if great customer satisfaction scores are an important factor to them.
At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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