On this page14 sections
- Ratings and complaints
- Travelers vs. competitors
- Pricing
- Step by step
- Travelers auto insurance legitimacy and licensing
- How much is Travelers car insurance?
- Coverage options and discounts
- IntelliDrive: what to know before you sign up
- Travelers complaints and what customers report
- How to cancel Travelers auto insurance
- Who should skip Travelers
- What customers say
- Alternatives
- FAQ
Travelers suits drivers with clean or blemished records who want lower prices from a large carrier and the option of an independent agent; NerdWallet's sample puts its full coverage average at $1,652 a year versus $2,361 nationally. It is a legitimate, financially strong insurer: AM Best affirmed its A++ (Superior) rating in August 2026, and the company describes about 170 years of history. The tradeoffs are customer service ratings: it ranked below average in J.D. Power's 2025 shopping and claims studies, the BBB now rates it A- with 828 complaints in three years, and you can't get a quote in Alaska, Florida, Hawaii or Louisiana.
- Financial strength
- AM Best A++ (Superior), stable outlook, affirmed August 21, 20261
- Average full coverage
- $1,652 a year vs. $2,361 national average (NerdWallet sample, 35-year-old, clean record)2
- Where you can't get a quote
- Alaska, Florida, Hawaii and Louisiana, per Travelers3
- How you buy
- Independent agents, Travelers representatives by phone, or online quote; some states, including California, require an agent3
- Telematics
- IntelliDrive: 90 days of tracking, up to 30% off at renewal; risky driving can raise your rate in most states4
- BBB
- A-, not accredited; 828 complaints in the last 3 years (all Travelers lines)6
- Canada
- Canadian personal and most commercial business sold to Definity, completed January 2, 20268
Pros
- Average rates well below the national average in NerdWallet's sample
- AM Best A++ (Superior) financial strength
- Independent agents can compare Travelers with other insurers
- Gap, new car replacement and accident forgiveness add-ons
- Fewer auto complaints to regulators than expected for its size, per NerdWallet
Cons
- Below-average J.D. Power shopping and claims results in 2025
- No quotes in Alaska, Florida, Hawaii or Louisiana
- IntelliDrive can raise your rate in most states
- BBB rating dropped to A-, with 828 complaints in 3 years
- Several discounts aren't offered in California or New York
Best for: Drivers who want a low price from a financially strong national insurer and like having an independent agent.
Skip it if: You live in Alaska, Florida, Hawaii or Louisiana, or claims service ratings matter more to you than price.
Travelers vs. competitors
| Company | Full coverage average (NerdWallet) | AM Best | BBB | Where sold |
|---|---|---|---|---|
| Travelers | $1,652 a year | A++ (Superior) | A-, 828 complaints in 3 years | No quotes in AK, FL, HI or LA |
| State Farm | $1,985 a year | A+ (Superior) | D-, 4,342 complaints in 3 years | No new auto sales in MA or RI |
| GEICO | $2,020 a year | A++ (Superior) | A+, 2,608 complaints in 3 years | All 50 states and D.C. |
| Progressive | $2,277 a year | A+ (Superior) | B-, 5,262 complaints in 3 years | All 50 states |
| Nationwide | $2,663 a year | A (Excellent) | A+, 110 complaints in 3 years | 46 states and D.C. |
Travelers pricing at a glance
Travelers average full coverage rates by driver profile (NerdWallet analysis, as listed October 2026)2
| Driver profile | Travelers | National average |
|---|---|---|
| Clean record | $1,652 a year | $2,361 a year |
| Poor credit | $2,786 a year | $3,954 a year |
| One speeding ticket | $2,127 a year | $3,028 a year |
| One at-fault crash | $2,274 a year | $3,524 a year |
| One DUI | $2,783 a year | $4,437 a year |
| Age 20 | $3,411 a year | $4,722 a year |
NerdWallet's averages for a 35-year-old driver unless noted, based on Quadrant Information Services rate data. Minimum coverage with Travelers averaged about $44 a month. Travelers does not publish average premiums; your quote depends on your state, ZIP code, car, record and discounts.
Travelers, step by step
Get a quote
Start online with your ZIP code, call Travelers, or use an independent agent who can also quote other insurers. In some states, including California, you must buy through an agent.
Pick coverage and add-ons
Choose liability limits, collision and comprehensive, then add-ons such as loan or lease gap, extended transportation expenses, accident forgiveness or new car replacement.
Apply discounts
Ask about multi-policy, multicar, home ownership, safe driver, early quote, payment and student discounts, and decide whether to try IntelliDrive.
Manage your policy
Pay and make changes online, in the app, by phone or through your agent.
File a claim
Claims can be reported 24/7 online, in the app or by phone. Keep photos, the police report and repair estimates.
Travelers auto insurance legitimacy and licensing
Yes. The Travelers Companies, Inc. describes a history of about 170 years, trades on the New York Stock Exchange (TRV) and is one of the largest U.S. property and casualty insurers. AM Best affirmed an A++ (Superior) financial strength rating for its main insurance companies on August 21, 2026, the highest rating it gives. Travelers sold its Canadian personal insurance business and most of its Canadian commercial business to Definity on January 2, 2026; U.S. car insurance is not affected.
Service ratings are weaker. NerdWallet reports Travelers below average in J.D. Power’s 2025 shopping and auto claims studies, while its auto complaints to state regulators were fewer than expected for its size.
How much is Travelers car insurance?
Travelers doesn’t publish average premiums. In NerdWallet’s analysis, a 35-year-old with a clean record and good credit paid about $1,652 a year for full coverage, compared with a national average of $2,361. Travelers also came in below average after a speeding ticket ($2,127), an at-fault crash ($2,274) and a DUI ($2,783). Minimum coverage averaged about $44 a month.
Your quote will depend on your state, ZIP code, car, driving record and, where allowed, credit. Get at least two other quotes; an independent agent can run several at once.
Coverage options and discounts
Besides liability, collision and comprehensive, Travelers offers loan or lease gap coverage and extended transportation expenses for rental cars or rideshares after a covered accident. Travelers also lists accident forgiveness through its Responsible Driver Plan, Premier New Car Replacement and rideshare coverage in some states.
Listed discounts include multi-policy, multicar, home ownership (even if your home is insured elsewhere), safe driver, continuous insurance, hybrid or electric car, new car, pay-in-full, EFT and good payer, early quote, good student, student away at school and driver training. Many of these aren’t available in California, and early quote, safe driver and good payer aren’t offered in New York.
What customers say about Travelers
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Lower prices than many large insurers in rate studies
- Quick, simple handling of smaller claims
- Helpful independent agents who can shop other carriers
Common complaints
- Long hold times and calls that aren't returned
- Slow claim handling and repair delays
- Unexpected price increases at renewal
- Billing problems, including missed or duplicate autopay charges
IntelliDrive: what to know before you sign up
IntelliDrive tracks your driving through a phone app for 90 days, then sets your premium at your first renewal. Travelers says safe driving can save up to 30% (40% in Nevada, 25% in New Jersey), but riskier habits can raise your premium everywhere except D.C., Montana, North Carolina and Virginia. It scores speed, acceleration, braking, time of day and phone use, and says location data isn’t used to set your price. Availability varies by state.
Travelers complaints and what customers report
The BBB lowered Travelers to A- and lists 828 complaints in three years across all its products. Trustpilot shows 1.4 out of 5 from 147 reviews on an unclaimed profile. The recurring complaints are long hold times, slow claims and repairs, price increases at renewal and billing errors. Positive reviews mention quick handling of small claims and helpful agents.
To avoid problems, get your agent’s direct line, document every claim call in writing and check renewal notices. If a claim stalls, you can file a free complaint with your state insurance department.
How to cancel Travelers auto insurance
Call Travelers or your agent to cancel, and set the cancellation date for the day your new policy starts so you never have a gap, which can raise future rates and leave you driving uninsured. Ask whether your state allows a cancellation fee or short-rate refund, and get written confirmation of the cancellation and any refund of unused premium.
Who should skip Travelers
If you live in Alaska, Florida, Hawaii or Louisiana, Travelers won’t quote you. If you put claims service first, look at insurers with stronger J.D. Power claims scores, such as State Farm. If you don’t want your phone tracking your driving, skip IntelliDrive; it isn’t required for a policy.
Alternatives to Travelers
- State Farm Better if you want a dedicated local agent and a higher J.D. Power claims score (716 in 2025). Read review
- GEICO Sold in every state, including Florida and Louisiana where Travelers won't quote, mostly online and by phone. Read review
- Your state insurance department Free: check insurer complaint data and file a complaint if a claim stalls.
Travelers reviews
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Frequently asked questions
Is Travelers a good car insurance company?
It is financially strong, with an A++ AM Best rating, and NerdWallet's sample rates are well below average. Its J.D. Power shopping and claims results were below average in 2025, so weigh price against service.
How much does Travelers car insurance cost?
NerdWallet's sample shows about $1,652 a year for full coverage for a 35-year-old with a clean record, versus $2,361 nationally. Your own rate will differ by state, car and record.
What states is Travelers auto insurance available in?
Travelers says quotes aren't available for risks in Alaska, Florida, Hawaii and Louisiana. Availability of some products varies by state, and some states require buying through an agent.
Is Travelers cheaper than GEICO or State Farm?
In NerdWallet's averages for a clean record, yes: $1,652 for Travelers versus $2,020 for GEICO and $1,985 for State Farm. Rates vary widely by person, so compare quotes.
Does Travelers raise rates after a claim?
An at-fault accident usually raises rates at any insurer. Travelers' Responsible Driver Plan can forgive one accident or minor violation if you add it before the incident.
Can IntelliDrive raise my rate?
Yes, in most states. Travelers says riskier driving may result in a higher premium, except in D.C., Montana, North Carolina and Virginia.
What is the Travelers BBB rating?
A-, not accredited, with 828 complaints in the last three years on the Hartford, Connecticut profile. That profile covers all Travelers products, not just auto.
Who owns Travelers?
The Travelers Companies, Inc. is a publicly traded company (NYSE: TRV). It sold its Canadian personal insurance business to Definity in January 2026.
Does Travelers offer gap insurance?
Yes. Loan or lease gap coverage pays the difference between what you owe and your car's value after a total loss.
How do I file a Travelers auto claim?
Report it 24/7 online, in the Travelers app or by phone, or through your agent. Have your policy number, photos and the other driver's details ready.
Sources (10)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Earnings Whispers: AM Best affirms Travelers ratings (August 21, 2026) (accessed October 13, 2026)
- NerdWallet: Travelers auto insurance review (accessed October 13, 2026)
- Travelers: Car insurance (accessed October 13, 2026)
- Travelers: IntelliDrive (accessed October 13, 2026)
- Travelers: Car insurance discounts (accessed October 13, 2026)
- BBB: Travelers Companies, Inc. profile (accessed October 13, 2026)
- Trustpilot: Travelers reviews (accessed October 13, 2026)
- Travelers: Sale of Canadian personal insurance business to Definity completed (accessed October 13, 2026)
- Travelers: About Travelers (accessed October 13, 2026)
- Business Wire: J.D. Power 2025 U.S. Auto Claims Satisfaction Study (Oct 28, 2025) (accessed October 13, 2026)
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