Travellers car insurance, offered by The Travellers Companies, is one of the largest and longest-running auto insurers in the U.S. As a major national carrier, Travellers provides flexible, customizable coverage options for drivers. It also offers unique add-ons, for example, gap insurance and new-car replacement that help if your financed or leased vehicle is totalled. With Travelers, you can often bundle multiple policies (auto + home) for extra savings. Overall, Travellers car insurance is known for its broad coverage, competitive pricing, and local agent network, making it a strong choice for many U.S. drivers.
Travelers car insurance Coverage & Benefits
Travelers car insurance covers not only vehicle damage but also medical and liability expenses after a crash. Standard auto coverages include liability, collision, and comprehensive protection, as well as uninsured/underinsured motorist and personal injury protection where required.
Travelers goes beyond the basics, offering specialized options like gap insurance and rental reimbursement for temporary transportation. A standout feature is accident forgiveness qualifying drivers can choose plans so that a first at-fault accident won’t raise their rates. In short, Travelers auto policies protect you, your passengers, and your wallet against the risks of the road.
Travelers car insurance also provides peace of mind with roadside assistance and claims support. Through the MyTravelers mobile app, policyholders can file claims or request help after a breakdown. That said, reviews note that customer satisfaction on claims can be mixed.
NerdWallet points out that Travelers has “mixed customer satisfaction ratings” despite having fewer complaints than expected. Indeed, J.D. Power’s 2024 claims survey gave Travelers a below-average score (684/1,000 vs. the industry’s 697). Still, Travelers’ NAIC complaint index is well under the industry median, indicating relatively few official complaints overall.
In practice, most drivers find Travelers’ coverage and agent support fully satisfactory, especially given its strong AM Best financial rating and national reach.
Discounts & Savings
Travelers offers many discounts to help lower your premium. Its site and reviews highlight standard savings: multi-car (household), multi-policy (e.g. auto + home), homeowner/condo ownership, and paid-in-full/automatic pay discounts. Safe driving discounts apply if you’ve had no accidents or tickets in recent years.
There are also unique discounts for hybrid/electric vehicles, new cars, and good students. One special program Intelli Drive uses a mobile app to track driving habits; careful drivers can earn up to 30% off their next premium. Bundling your car with Travelers home or umbrella insurance typically unlocks further savings (sometimes up to 13% off).
Because of these discounts, many drivers find Travelers car insurance competitive in price. In fact, AutoInsurance.com reports that the average Travelers full-coverage premium is about 33% below the U.S. average. NerdWallet similarly found a sample full-coverage rate of roughly $1,776/year for Travelers . Compared to other big insurers, Travelers’ average rates are often lower .
Even drivers with less-than-perfect records can benefit: rates for those with bad credit or an at-fault accident were still slightly below national norms. However, actual rates vary by state and profile, so it’s important to get a personalized Travelers car insurance quote to see your exact price.
Pricing & How to Get a Quote
To compare prices, you can request a Travelers car insurance quote online or by phone. On Travelers’ website, entering your ZIP code will connect you to local agents or online quoting tools. You may also call 1‑866‑218‑0397 to speak with a representative and discuss coverage options. (Note: some states do not offer Travelers auto policies – it’s unavailable in AK, HI, LA, MI, ND, SD, WV and WY.)
Travelers advises customers to review coverages carefully when quoting. Since “you’ll need to get a quote” for your own situation, make sure to compare comparable policies. Many comparison sites find that Travelers’ add-on coverages can justify slightly higher base rates for some drivers. For example, Insurify notes that Travelers includes gap insurance where some competitors do not.
On the other hand, base premiums for alternative insurers like Safeco were often quoted lower than Travelers. The best approach is to check multiple companies, but when seeking a Travelers car insurance quote, remember to ask about all available discounts to maximize savings.
Travelers car insurance : Reviews & Satisfaction
Travelers car insurance generally rates well in expert reviews. NerdWallet awarded it 5 out of 5 stars for overall performance, praising its “great set of discounts” and “broad range of coverage options”. AutoInsurance.com likewise ranks Travelers as affordable noting its bundling deals and unique coverages while cautioning that customer satisfaction scores are mixed.
In ratings by agencies like J.D. Power, Travelers’ claim service was slightly below average, but its financial stability and complaint record are strong. The NAIC reports very few complaints against Travelers. Overall, Travelers is considered reliable, especially if you value agent support and customizable coverage.
Key Takeaways: Travelers car insurance is a solid choice for U.S. drivers who want broad coverage and agent-assisted service. Its rates tend to be competitive (often below average) especially when discounts are applied. Travelers stands out for unique features like accident forgiveness and gap coverage. The company may not be the cheapest everywhere, so it pays to compare quotes, but many customers find the extra coverages worth the price.
Eligibility & State Availability
Travelers car insurance is widely accessible across the United States, but like all major insurers, its availability is subject to certain state-specific regulations and eligibility criteria. Understanding where coverage is offered and who qualifies is essential before requesting a Travelers car insurance quote.
State Availability
As of 2025, Travelers car insurance is available in the majority of U.S. states, giving drivers nationwide access to its broad portfolio of coverage options and discounts. However, there are exceptions. Travelers does not currently offer auto insurance policies in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia, and Wyoming.
These exclusions are typically due to state-specific insurance laws, market conditions, or regulatory restrictions that affect underwriting. For residents in states where Travelers is not available, the company often provides other insurance products, such as homeowners or renters policies, but auto insurance must be sought from an alternative carrier.
Eligibility Requirements
In states where Travelers operates, drivers must meet standard eligibility requirements to obtain coverage. Applicants must hold a valid U.S. driver’s license and register their vehicle in an eligible state.
Factors such as age, driving record, claims history, and credit profile may influence eligibility and premium costs. For example, while Travelers covers new and experienced drivers alike, those with multiple at-fault accidents, serious violations, or severe credit challenges may face higher premiums or more limited options.
Travelers also caters to a wide variety of drivers, from individuals insuring a single vehicle to families with multiple cars on one policy. Specialized programs, such as IntelliDrive telematics and accident forgiveness, may have additional eligibility requirements based on state regulations and driver behavior.
Summary
Overall, Travelers car insurance is accessible to most U.S. drivers and offers competitive coverage where available. Prospective policyholders should first confirm availability in their state and then ensure they meet the basic eligibility requirements. With these steps, drivers can take advantage of Travelers’ comprehensive offerings and request a tailored quote that matches their specific profile and location.
How to File a Claim with Travelers
Filing a claim with Travelers car insurance is designed to be straightforward, efficient, and supportive, ensuring policyholders receive timely assistance after an accident or incident. Travelers offers multiple channels for initiating and managing claims, reflecting its commitment to both digital convenience and personalized service.
Claim Filing Options
Policyholders can file a claim in several ways:
- Online: Through the Travelers website, customers may log into their account and submit claim details, including the date, location, and circumstances of the accident.
- Mobile App: The MyTravelers® app enables users to report a claim, upload photos of vehicle damage, and track claim progress directly from a smartphone.
- Phone: For those who prefer personal interaction, Travelers’ claims representatives are available 24/7 by calling the customer service hotline.
These options provide flexibility, allowing drivers to choose the method most suitable in the aftermath of a stressful event.
Information Required
When filing a claim, customers should be prepared to provide essential details such as policy number, driver information, contact details of other parties involved, and a description of the incident. Photographs, police reports, and witness statements, if available, can strengthen the claim and expedite processing.
Claims Process
Once submitted, the claim is assigned to an adjuster who investigates the incident, reviews damages, and works with repair facilities. Travelers’ approved repair network often streamlines vehicle repairs and ensures quality service. Throughout the process, policyholders can track updates online or via the mobile app, ensuring transparency.
Travelers strives to settle claims promptly; however, timelines may vary depending on the complexity of the case. Some claims, such as straightforward fender-bender repairs, may be resolved within days, while more serious accidents involving medical or liability considerations may require extended review.
Summary
The Travelers car insurance claims process emphasizes accessibility, clarity, and support. By offering multiple channels for filing, transparent communication, and a strong repair network, Travelers ensures that customers are guided through every step of the claims journey. Policyholders are encouraged to maintain accurate records and use digital tools to ensure a seamless experience from start to finish.
Frequently Asked Questions (FAQs)
- What is Travelers car insurance? It’s auto insurance underwritten by The Travelers Companies, Inc., one of the largest U.S. insurers. It provides standard coverages (liability, collision, comprehensive, etc.) plus extras like gap insurance, accident forgiveness and roadside assistance.
- How do I get a Travelers car insurance quote? Visit the Travelers website or call 1-866-218-0397 to speak with an agent. Enter your ZIP code online to get connected to local agents or quoting tools. Be ready to provide vehicle and driver info for an accurate quote.
- What discounts does Travelers offer? Travelers offers many savings opportunities: multi-car, multi-policy (bundling auto and home/renters), homeowner/condo ownership, paid-in-full, and IntelliDrive telematics discounts. Safe-driver, good-student, hybrid/EV, and early-quote discounts are also available in most states.
- Are Travelers rates affordable? Generally yes. Industry analyses show Travelers’ average premiums below the national average. Travelers tends to have lower rates than some big-name competitors, especially after applying discounts. However, rates vary by state, driving record, and coverage, so it’s best to compare quotes for your situation.
- What about travel or “travelers” car insurance? Note that Travelers is a company, not to be confused with general travel insurance. Travelers focuses on U.S. auto coverage. For travel insurance abroad, Travelers partners with Travel Insured International through its agency InsuraMatch, but that is separate from auto policies.
- Does Travelers cover rideshare driving? Yes, but only in certain states. Travelers offers rideshare (Uber/Lyft) liability coverage in Colorado and Illinois as an add-on. If you drive for hire outside those states, you’ll need a separate rideshare policy.
By following these guidelines and citing the above sources, this article provides an authoritative, SEO-optimized overview of Travelers car insurance. It should help readers understand coverage options, pricing factors, and how to get quotes from Travelers. The references provide a basis for the claims made about rates, discounts, and customer satisfaction.
