Travelers insurance review 2024

Travelers car insurance might be a good option for drivers who want robust policies. If your idea of the best car insurance company includes one with plentiful endorsement options and discounts, Travelers could fit your needs. In addition to the basic coverage types — like liability, collision, comprehensive, personal injury protection and medical payments — you might be able to add optional coverage like gap insurance, new car replacement, roadside assistance and accident forgiveness. Travelers also offers rideshare coverage, but only in Colorado and Illinois.

Travelers car insurance is only available in 42 states and Washington, D.C. The lack of national availability combined with Travelers’ low average J.D. Power auto claims satisfaction score brought down the company’s auto insurance Bankrate Score.

Pros and cons of Travelers car insurance

As you gather car insurance quotes, you may want to do more than just compare rates. Finding the right car insurance company for you may involve looking at other metrics, including third-party scores, available coverage options, discounts and digital tools. Our Travelers Insurance review identified these pros and cons of the company’s car insurance:

Travelers home insurance may be a good option for those who value personalized coverage, but its homeowners insurance options are a bit more limited than its car insurance. If you are considering a Travelers home insurance policy, you may be able to add coverage options like jewelry and valuables, water backup, identify fraud and green home coverage to round out your protection.

Just like its auto insurance, Travelers home insurance scored below average for claims satisfaction and coverage is not available in all states. These factors contributed to the company losing a few points in its Bankrate Score — although it’s still high at 4.2.

Pros and cons of Travelers homeowners insurance

Comparing home quotes and other features of each company you’re considering may help you narrow down the best homeowners insurance company for you. Here are some perks and drawbacks we identified with Travelers home insurance.

When shopping for insurance, most insurance professionals recommend requesting insurance quotes from more than one home and car insurance carrier. This may give you an opportunity to compare coverage and premiums, as well as experience each company’s customer service. If you're not sure Travelers meets your needs or you live outside its service area, these companies may also be worth a look.

Travelers Insurance may be a good company for you if you value having a wide array of policy options to choose from. This is particularly true of the company's car insurance options. The company has worked to improve and expand its home insurance coverage as well, and bundling may provide discounts. As far as customer satisfaction, Travelers Insurance is slightly below average according to J.D. Power surveys. In both the J.D. Power 2024 Auto Claims Satisfaction Study and 2024 Property Claims Satisfaction Study, Travelers was below the industry average in terms of customer satisfaction. Shopping around and getting quotes from several companies may help you identify the best option for you.

What are real-life customers saying about Travelers?

To provide a clearer picture of the customer experience with Travelers, we've sourced first-hand takes from two popular online platforms: Reddit and Trustpilot. These forums offer a space for candid discussions and personal anecdotes, giving consumers insight into what they might expect from Travelers' services. While Reddit fosters a broad range of discussions, including user experiences with insurance companies, Trustpilot hosts detailed reviews and ratings, providing depth to the understanding of a company's service quality.

Reddit reviews

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Trustpilot reviews

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Travelers company details

If you need to contact Travelers, here are a few ways to do so:

• Quotes: 1-866-218-5587
• Billing and service: 1-800-842-5075
• Claims: 1-800-252-4633
• Technical assistance: 1-877-754-0481
• Customer advocacy: 1-866-336-2077
• Payment address:
  Travelers Personal Insurance
  PO BOX 660307
  Dallas, TX 75266-0307

State availability

Travelers auto insurance is available in all states except AK, HI, LA, MI, ND, SD, WV and WY. Travelers home insurance is available in all states except AK, FL, HI, LA and WV.

Travelers tools and benefits

Although Travelers may be well-known for its home and auto insurance policies, the company also offers other insurance products. These include:

• Travel insurance: Depending on the options you choose, this policy may cover trip cancellation, medical costs and lost luggage.
• Wedding and event insurance: Event insurance is used to cover items like lost deposits, event gifts, liquor liability and more.
• Condominium insurance: Condominium insurance is designed for condo owners and specifically covers the interior of the unit.
• Renters insurance: As a renter, this policy may help with insuring your personal belongings and providing loss of use and liability protection.
• IntelliDrive: Travelers’ IntelliDrive program is a 90-day telematics program that may offer drivers up to 30 percent in savings. With the smartphone app, the IntelliDrive program will track driving behaviors like speed, acceleration, braking and distraction, as well as what time of day the car is being driven.
• Pet insurance: Travelers partners with the ASPCA Pet Health Insurance to bring pet policies to their customers at a discounted rate.
• Boat and yacht insurance: Travelers offers a slew of different coverage options for watercraft, such as towing, liability and personal property.
• Landlord insurance:If you need an extra layer of financial protection for your rental property, you can purchase a landlord insurance policy through Travelers.

Frequently asked questions about Travelers

Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parent's policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.