Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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At a glance
4.1
Rating: 4.1 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.1 stars out of 5
4.1
Cost & ratings
Rating: 4.17 stars out of 5
4.2
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 4.3 stars out of 5
4.3
Home
Rating: 4 stars out of 5
4.0
Cost & ratings
Rating: 3.6 stars out of 5
3.6
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Customers who value robust policy options and want the ease of managing all their insurance policies in one place may find Travelers to be an appealing option.
Numerous potential discounts for young drivers
Offers IntelliDrive program for auto insurance, rewarding safe driving with up to 30 percent savings
Provides comprehensive home insurance endorsements, including water backup and green home coverage
Strong financial strength rating from AM Best (A++ Superior)
Mixed customer satisfaction scores, often below industry averages in J.D. Power studies
Auto
Avg. annual premium for full coverage
$2,121
Avg. annual premium for min coverage
$656
Home
Avg. annual premium for $300k dwelling coverage
$2,129
New
What's new with Travelers?
In May 2024, Travelers Insurance announced that home insurance rates in California would increase by 15.3 percent for most policies starting in June. This decision aligns with the broader trend among insurance companies in California, which have been limiting policies and raising rates due to factors like increased construction costs, inflation and heightened wildfire risks. The new rate increase follows Travelers' previous reductions in the number of policies and reflects the ongoing adjustments insurers are making to manage their exposure to wildfire-related losses.
Travelers car insurance review
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:
Pros
Robust coverage options
Numerous potential discounts
Local agents available
Cons
Not available nationwide
Rideshare coverage only available in two states
Below-industry-average J.D. Power auto claims satisfaction score
Travelers car insurance cost
A full coverage auto insurance policy with Travelers costs an average of $2,121 per year and $656 for minimum coverage, according to 2024 premium data from Quadrant Information Services. Comparatively, the national average cost of car insurance is $2,685 per year for full coverage and $800 for minimum coverage. Rates may vary based on a number of factors, though, and your ability to find cheap car insurance could depend on your unique situation. Below, we analyze Travelers’ average rates across a range of driver profiles.
How much is Travelers car insurance?
Your driving history is typically one of the biggest rating factors for most car insurance companies. If you have a history of tickets or at-fault accidents, you’ll likely pay more for coverage, because an insurer will probably view you as a higher risk for filing claims in the future.
Below, we look at Travelers’ average rates compared to the national average for a few different driving incidents. Note that although we did include rates for drivers with DUI convictions, coverage eligibility for high-risk drivers will depend on your unique driving history and other rating factors.
In almost all states, your age may also play a role in your car insurance premium. Rates tend to be higher for younger drivers, since they have less experience behind the wheel. Young drivers on their own policies pay some of the highest average rates. Below you can see Travelers’ average rates compared to the national average rates across a range of ages, and for young drivers both on and off their parents’ policy.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Travelers car insurance rates are typically lower than the national average. However, comparing rates with other big-name insurers can provide a clearer picture of its competitiveness. The table below shows how Travelers' rates stack up against nine other major insurance companies for both minimum and full coverage options.
As you shop for the best insurer for your needs, you might want to take customer satisfaction into consideration. Service may be an integral part of the insurance experience. We look primarily at J.D. Power ratings and complaint indexes from the National Association of Insurance Commissioners (NAIC) to establish a company’s service level. We also analyzed the carrier's financial strength rating from AM Best as an indication of its historical ability to pay out claims.
Travelers auto claims satisfaction
J.D. Power releases two auto insurance-focused studies: the U.S. Auto Insurance Study and the U.S. Auto Claims Satisfaction Study. These studies assess the overall service and claims experience of various insurance companies based on customer feedback. When it comes to claims satisfaction, Travelers' performance has been mixed compared to other carriers. In the 2023 J.D. Power Auto Claims Satisfaction Study, Travelers scored 871 out of 1,000, which is below the industry average of 878. In the U.S. Auto Insurance Study, Travelers was rated in eight of the 11 regions and was ranked below the industry average in all but one region — New York. This suggests that while Travelers offers competitive rates, the company's claims service could be an area for improvement.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 871.
End of interactive chart.
Travelers auto insurance customer complaints
The NAIC tracks customer complaints against insurance companies and provides a baseline complaint index of 1.00 to represent the industry average. This index helps consumers understand how frequently complaints are made against an insurer relative to its size. A score higher than 1.00 indicates more complaints than average, while a score lower than 1.00 indicates fewer complaints than average. Travelers' NAIC complaint index for auto insurance has varied over the past few years, but generally remains below the industry average, suggesting a relatively satisfactory performance in handling customer complaints.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.61 to 0.94.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Travelers
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Travelers home insurance review
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.
Pros
Several endorsements available
Offers a green home discount
Offers a free home history tool called OpenHouse for homebuyers
Cons
Not available nationwide
Below-average J.D. Power customer satisfaction score
Slightly below-average J.D. Power claims satisfaction score
Travelers home insurance cost
Based on Bankrate’s research of average premiums, Travelers home insurance costs $2,129 per year for $300K in dwelling coverage. This is 6 percent less compared to the national average cost of homeowners insurance, which is $2,267 for the same amount of dwelling coverage. Your rate will vary based on your unique situation, including how much coverage you need. Below is a breakdown of average rates from Travelers compared to the national average for several dwelling coverage limits.
$150K dwelling
Travelers average premium
$1,246
National average premium
$1,370
$300K dwelling
Travelers average premium
$2,129
National average premium
$2,267
$350K dwelling
Travelers average premium
$2,422
National average premium
$2,534
$450K dwelling
Travelers average premium
$3,090
National average premium
$3,066
$750K dwelling
Travelers average premium
$4,859
National average premium
$4,399
Compare Travelers homeowners insurance rates
When comparing homeowners insurance rates, it's helpful to understand how prices can vary significantly between companies. Rates are influenced by multiple factors, including location, the age and condition of the home, coverage limits and more. Travelers often provides rates that hover around the national average, making it a competitive option for many homeowners. Here’s how Travelers' homeowners insurance rates compare to nine other big-name insurers.
Understanding customer satisfaction is crucial when choosing a home insurance provider. Third-party ratings, like those from J.D. Power, offer valuable insights into customer experiences and service quality. J.D. Power conducts annual surveys, evaluating customer satisfaction on a 1,000-point scale, with higher scores indicating better overall satisfaction. For financial stability, AM Best ratings are also essential, as they assess a company's ability to meet its financial obligations and handle claims efficiently. These ratings help provide a clearer picture of what you can expect from Travelers' home insurance services.
Travelers homeowners claims satisfaction
When it comes to claims satisfaction, Travelers' homeowners insurance falls below the industry average. The 2024 J.D. Power U.S. Property Claims Satisfaction Study, which assesses the performance of insurance companies in handling claims, gave Travelers a score of 845 out of 1,000, significantly lower than the industry average of 869. This places Travelers second to last in the rankings, indicating that many customers may not be as satisfied with the claims process compared to other insurers. Considering these scores when evaluating Travelers' ability to manage and process claims effectively is important.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 845 to 869.
End of interactive chart.
Travelers home insurance customer complaints
The NAIC tracks customer complaints against insurance companies, using a baseline of 1.0 to represent the expected number of complaints for a company of its size. A score above 1.0 indicates more complaints than expected, while a score below 1.0 indicates fewer complaints.
Travelers' home insurance complaint index has shown an upward trend over the past three years, indicating an increase in customer dissatisfaction. Although it started below the industry average, recent scores suggest that customer complaints have risen and are now above the average for home insurance products.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.81 to 1.29.
End of interactive chart.
Travelers home insurance discounts
If you’re shopping for cheap home insurance, you may want to take advantage of as many discounts as possible. Below are some of Travelers’ home insurance discounts, but keep in mind that availability may vary by state.
Green home: Homes that have received a “green home” certification from the Leadership Energy and Environmental Design (LEED) organization could be eligible for up to a 5 percent discount.
Homebuyer: Homeowners who bought their home within the last 12 months could earn this discount.
Loss-free: If you have not filed a home claim within a certain period of time, this discount could be added to your policy.
Protective devices: If your home has smoke detectors and fire alarms, an interior sprinkler system, a home security system or smart home features, you could earn a discount on your Travelers home insurance.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Travelers
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Travelers with other insurers
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.
Featured
Travelers
Rating: 4.1 stars out of 5
4.1
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Customers who value robust policy options and want the ease of managing all their insurance policies in one place may find Travelers to be an appealing option.
Auto-Owners might be a good choice if you are attracted to Travelers’ robust policy options or if you’re looking for life insurance. The company sells several types of life insurance policies and even offers a potential discount on your auto or home insurance if you have a life insurance policy. While Auto-Owners tied with Geico for our 2024 Bankrate Award for Best Budget Auto Insurance Company, it is only available in 26 states. Those seeking a company with a wider coverage area may lean toward getting a policy from Travelers.
If you’re looking for non-insurance related perks, you might consider a quote from Farmers. The company offers a car buying program called TrueCar that might help you find your next vehicle. You could also take advantage of the other partnerships that Farmers has, like savings on pet insurance from Pets Best or a discount on a Flume water leak detection device. Travelers might be the better option if you like to handle your coverage digitally, though, as Farmers’ website may not be as intuitive as Travelers'.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Travelers a good insurance company?
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
Reddit User 1*
Feb 2, 2023
Travelers is a solid company. They have good...
“Travelers is a solid company. They have good claims services. I know a couple people who have had claims on auto with Travelers. The first person I know was rear ended and decided to file through their own carrier (Travelers). She said from start to finish the claim service was fantastic and that they were responsive and took really good care of her. My Dad was also hit by a driver insured by Travelers. He filed a third party claim with Travelers. He was not their insured but in 24 hours they called him[,] accepted liability for the accident and set him up for repairs. He had no issues with them.”
“Travelers home and auto. This company will drop you as soon as you become unprofitable to them. The money flows in one direction only. We pay 4k a year for home and auto. My daughter's vehicle was broken into twice with claims of 1500, and we were dropped after 8 years. My mother's home had a laundry room water line break. It was repaired, and they held out on paying the last depreciation portion for months until I emailed and asked where the check was. Then, they miraculously cut the check that day. Do not go with this company.”
*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
Trustpilot User 1*
Feb 28, 2019
A deer hit my car and Travelers was prompt...
“A deer hit my car and Travelers was prompt to review and accept the repair costs (10k), less my deductible. A year later, mice had entered my garage, entered underneath my car and ate the wires. Eventually, my dashboard went blank. Again, Travelers covered the costs (2k).”
“It was great to have the 900 for a rental for how many ever days, but half the time was spent waiting on their adjusters. I have had 3 accidents and none were my fault: rear-ended, animal, suspected drunk driver. They had me waiting on the side of the road for over 4 hours for the tow truck, which was coming from a location 1.5 hours away that they got. Just getting the animal claim started took almost two weeks. I have yet to see my deductible back for the drunk driver accident that happened Dec 2020, even though I keep being told they are and should have processed it. Plus, so far everything I've asked for an email notification they say sure no problem and then snail mail it. Yes, I'm switching insurance.”
*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
Every year, Travelers releases a Community Report as an overview of its philanthropic and volunteer efforts over the past year. In 2023, the company contributed $24.4 million toward various charitable efforts, including education, community and economic development, disaster relief and arts and culture.
Many of Travelers’ initiatives also go beyond donations. In 2023, employees helped build two homes in Atlanta, Georgia, and also donated a playhouse to the families involved. Travelers employees are also actively involved in the community, with many participating in mentorship and tutoring programs through Travelers EDGE, which aims to support underrepresented students in college and build careers within the insurance and financial services industry.
To get a quote from Travelers, you can call 1-866-301-2076 or visit its website. You may also visit an agent in a nearby office to discuss setting up a policy.
With Travelers, your personal auto policy should extend to cover you if you are driving a rental car for personal use. Meaning, if you rent a car for a vacation or road trip, your car insurance policy will usually provide coverage. If you rent a vehicle for a business-related purpose, your Travelers car insurance will likely not apply.
Once your claim is filed, you’ll speak with an adjuster who will take your information, research your damage, review your coverage and decide if your claim is a covered loss. If it is, you’ll discuss the details of your payment with your adjuster.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 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. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
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.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (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 due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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 highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto 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 in 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.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$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.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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 highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average 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 National Association of Insurance Commissioners (NAIC).
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 a 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 in 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.
What policyholders are saying about Travelers 2023
Travelers 2023 has 50 reviews
Dive into community reviews below and see what others think about Travelers 2023.
4.3
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
88% of consumers recommend this insurer
Score breakdown
5 stars
50%
4 stars
38%
3 stars
8%
2 stars
2%
1 star
2%
Score by category
Overall rating4.3 / 5
Original cost3.8 / 5
Coverage4.4 / 5
Customer Support4.3 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Travelers 2023.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
My claims have always been handled professionally.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
A recommendation from a friend
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Reputation and price
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
My rates have remained steady over time and that says a lot about them
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I like that I can manage everything online.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They don't push unnecessary coverages.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
has good coverage and service at a fair price
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Primary Reason to stay: Excellent coverage and responsive customer support. Main Concern to Switch: premiums can be high compared to competitors.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Cost and coverage of the insurance
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They provide good service and are reasonably priced compared to other insurance companies.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
$1,810
