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Travelers Auto Insurance Review: Competitive Discounts and Solid Products

Review Updated
Kailey Hagen
By: Kailey Hagen

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This auto insurer is a good fit for: people who have good driving records and are looking for top-notch new car replacement coverage. Read our full Travelers auto insurance review to find out if it's the right fit for you.


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Best for people with good driving recordsTraveler's
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Full Travelers auto insurance review


  • Five-year new car replacement coverage
  • Competitive discounts
  • Flexible policies with rare additional coverage options available


  • Tends to be expensive for drivers who don't qualify for discounts
  • Limited digital capabilities
  • Unimpressive customer satisfaction ratings

Travelers auto insurance at a glance

Monthly premium costs:

  • 35-year-old female with clean driving record: $294
  • 35-year-old male with clean driving record: $322
  • 35-year-old female with one accident: $330

Coverage options:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist
  • Medical payments
  • Collision coverage
  • Comprehensive
  • Gap insurance
  • Rental car coverage
  • Roadside assistance
  • New car replacement
  • Accident forgiveness
  • Ridesharing coverage
  • Named non-owner coverage

Top perks

Competitive discounts

Travelers auto insurance offers a robust slate of discounts, keeping their offerings competitive and in line with the best car insurance companies. A recently added discount called IntelliDrive lets drivers download an app to their mobile phone to track driving behaviors. The data is then used to help determine a driver's future auto insurance rate.

Five-year new car replacement coverage

Travelers' Premier New Car Replacement® coverage will replace policyholders' vehicles with new ones of the same make and model if they are totaled within the first five years. This is much longer than many competitors, which offer this coverage for one to three years.

Other unique coverage options

In addition to its new car replacement coverage, Travelers insurance company offers some other unique protections, including gap coverage and ridesharing coverage in Colorado and Illinois. Those who are concerned about their auto insurance rate increasing after an accident can prevent that through adding accident forgiveness.

What could be improved

Customer satisfaction

Travelers received below-average ratings in the 2020 J.D. Power Auto Insurance Satisfaction Survey. This indicates customers are less satisfied with Travelers auto insurance than they are with other competitors.


Travelers car insurance tends to be expensive compared to its peers, which can make its products inaccessible. Some youthful drivers are not insurable on their own policy. However, they may be added to an existing insurance policy, like that of a parent or guardian.

Digital tools

Travelers' online and mobile tools aren't on the same level as some of its competitors. Its Android app in particular has received poor ratings compared to other top insurance apps. But this may not be a concern for those who rarely contact their insurance provider or prefer to do so by phone.

Alternatives to consider

When looking for great customer service: State Farm shines where Travelers auto insurance doesn't when it comes to their 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. Their 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.

Monthly premium costs

Travelers insurance company does not provide the best cheap auto insurance. We found its premiums to be higher than other carriers. Also, Travelers' online quote tool rejected our example of an 18-year-old male driver with a clean record, referring us to other carriers that may be able to insure those drivers. This could put Travelers out of reach for some.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$294 $322 $330 N/A
Source: The Ascent's analysis of standardized personas

Annual National Costs Average Comparison

See how Travelers car insurance rates compares to the national averages across the auto insurance industry. These rates are broken out by common driver profile but you're specific quote 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
Source: The Ascent's analysis of standardized personas

Discounts available

Travelers car insurance offers many discounts that can help offset premium costs. Drivers should make sure to ask about any discounts to maximize savings.

  • Multi-policy discount
  • Multi-car discount
  • Home ownership discount
  • Safe driver discount
  • Continuous insurance discount
  • Hybrid/electric vehicle discount
  • New car discount
  • Paid-in-full discount
  • Auto-pay discount
  • Early quote discount
  • Good student discount
  • Student away at school discount
  • Driver training discount
  • IntelliDrive program

Coverage options

Policy types

  • Personal auto
  • Classic and antique car
  • Boat and yacht

Travelers auto insurance boasts a thorough offering of personal auto policy types designed to fit the needs of many customers. However, Travelers does not insure motorcycles or RVs.

Coverage types

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Uninsured motorist
  • Underinsured motorist
  • Medical payments
  • Collision coverage
  • Comprehensive
  • Gap insurance
  • Rental car coverage
  • Roadside assistance
  • New car replacement
  • Accident forgiveness
  • Ridesharing coverage
  • Named non-owner coverage

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.

Customer service and ratings

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 2020 U.S. Auto Claims Satisfaction Study tells a different story. Travelers fell below the industry average for customer satisfaction. It also fared worse than many of its competitors, including:

This auto insurer is best for:

Travelers is best suited for drivers who:

  • have a new car and want new car replacement coverage
  • prefer to manage their auto insurance traditionally through an agent or by calling their carrier
  • look for rare coverage options, like gap and ridesharing coverage

But young drivers looking to save money may want to consider GEICO or State Farm if great customer satisfaction scores matter most to you.

Our Insurance Expert