Here’s a breakdown of how we reviewed and rated the top auto insurance providers
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- Average Minimum-Coverage Monthly Premium: $57
- Average Full-Coverage Monthly Premium: $161
- Overall Rating: 4.9 out of 5
- Customer Satisfaction Rating*: 3.8 out of 5
- NAIC Complaint Level**: High
- Usage-Based Insurance: Yes – IntelliDrive
- Average Monthly Premium: $380
- Overall Rating: 4.4 out of 5
- Customer Satisfaction Rating*: 3.7 out of 5
- NAIC Complaint Level**: Medium
- Endorsements for Natural Disasters: Fire, windstorms, hail, lightning, weight of snow or ice and freezing of pipes and other household systems
- Standard Coverage: Replacement Cost
Our review team reached out to Travelers for a comment on its NAIC complaint levels and did not receive a response.
*Data gathered from our 2025 home and auto surveys of 1,000 insurance customers around the U.S.
**The National Association of Insurance Commissioners is a non-profit U.S. regulatory support organization whose aim is to protect and support consumers.
Our Thoughts on Travelers Insurance
Traveler’s isn’t quite quite the household name that State Farm, Progressive or Geico are. That said, it ranks among the top 10 insurance companies by market share. Our extensive research leads us to rank it as the #1 best auto insurance provider overall, #2 most affordable for minimum liability coverage, and #1 most affordable for full liability coverage. However, Travelers doesn’t fare as well in our ranking for home insurance. The company is ranked 17th best overall due to costs that are 56% higher than the average home insurance policy and 42% higher than the average home-and-auto bundle, according to our research.
Pros and Cons of Travelers Insurance
While Travelers has an excellent industry reputation and offers some of the cheapest auto coverage rates among national carriers, its home insurance rates aren’t as competitive. Travelers also didn’t fare particularly well in the latest J.D. Power consumer studies.
Affordable auto insurance rates
Customers report smooth auto and home claims experiences
Wide selection of add-on auto protections
Subpar performance in J.D. Power consumer studies
Not the cheapest home insurance rates
Our review team reached out to Travelers for a comment on its J.D. Power ratings and home insurance rates and did not receive a response.
Travelers Auto Insurance Review
Travelers tops our auto insurance provider rankings for 2025 with an overall score of 4.9 out of 5. Competitive pricing, plentiful add-on protections and a smooth claims experience help the company earn our Best for Most Drivers award.
Our overall rating for Travelers puts the provider a full point above the average rating of 3.9 across the 147 providers we reviewed. Our team gave the company especially lofty scores in categories that analyze coverage options, customer experience and availability in the U.S.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
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Travelers Insurance Rating
Travelers Car Insurance Cost
The average cost of minimum liability car insurance from Travelers is $57 per month — about 7% cheaper than the national average. You can get full coverage from the company for an average premium of $161 per month, which is an impressive 21% below the national average rate of $203 per month.
Considering the affordable cost — along with the quality of Travelers’ coverage and policyholders’ positive reviews about claims experiences — it’s safe to say this provider offers good coverage at an excellent value.
Car Insurance Rates by State
The MarketWatch Guides team reviewed average Travelers auto insurance premiums for 31 states and found that Iowa, Wisconsin, Pennsylvania and Virginia are the cheapest states for Travelers coverage. In contrast, Travelers policyholders in New York, California and South Carolina typically pay the provider’s highest auto insurance rates.
| State | Average Minimum-Coverage Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $44 | $134 |
| Arizona | $46 | $139 |
| Arkansas | $39 | $131 |
| California | $67 | $278 |
| Delaware | $41 | $115 |
| Florida | $96 | $200 |
| Idaho | $37 | $140 |
| Illinois | $48 | $124 |
| Indiana | $34 | $117 |
| Iowa | $30 | $107 |
| Kansas | $36 | $147 |
| Kentucky | $48 | $149 |
| Maine | $48 | $156 |
| Maryland | $62 | $159 |
| Massachusetts | $77 | $230 |
| Michigan | $32 | $165 |
| Minnesota | $51 | $148 |
| Mississippi | $45 | $147 |
| Missouri | $39 | $133 |
| Nevada | $62 | $167 |
| New Jersey | $140 | $203 |
| New York | $128 | $237 |
| Ohio | $34 | $125 |
| Oregon | $64 | $134 |
| Pennsylvania | $31 | $106 |
| Rhode Island | $56 | $157 |
| South Carolina | $102 | $305 |
| Tennessee | $35 | $130 |
| Virginia | $34 | $104 |
| Washington | $48 | $169 |
| Wisconsin | $30 | $100 |
Car Insurance Rates for High-Risk Drivers
Travelers insures high-risk drivers at rates below the national average. The biggest savings are typically for drivers with a recent accident or DUI conviction on their records.
| Risk | Travelers Average Premium | National Average |
|---|---|---|
| Accident | $82 | $98 |
| DUI | $92 | $114 |
| Speeding Ticket | $72 | $82 |
| Texting While Driving Ticket | $80 | $81 |
| Poor Credit | $109 | $116 |
| Risk | Travelers Average Premium | National Average |
|---|---|---|
| Accident | $228 | $281 |
| DUI | $237 | $301 |
| Speeding Ticket | $209 | $247 |
| Texting While Driving Ticket | $225 | $244 |
| Poor Credit | $268 | $302 |
Auto Insurance Cost by Age
With Travelers, the average car insurance rates for a driver of nearly any age fall below the national average. The exception is full coverage for 16-year-olds.
| Age | Travelers Average Premium | National Average Premium |
|---|---|---|
| 16 | $209 | $242 |
| 17 | $174 | $209 |
| 18 | $148 | $185 |
| 19 | $118 | $145 |
| 21 | $83 | $105 |
| 25 | $60 | $75 |
| 45 | $55 | $63 |
| 55 | $52 | $60 |
| 65 | $56 | $63 |
| 75 | $64 | $74 |
| Age | Travelers Average Premium | National Average Premium |
|---|---|---|
| 16 | $498 | $487 |
| 17 | $420 | $457 |
| 18 | $368 | $429 |
| 19 | $324 | $389 |
| 21 | $248 | $312 |
| 25 | $176 | $235 |
| 45 | $152 | $198 |
| 55 | $139 | $184 |
| 65 | $145 | $187 |
| 75 | $166 | $212 |
Travelers Car Insurance Discounts
Travelers offers 14 types of car insurance discounts. That’s well above the average of eight discounts across all 147 auto insurers we reviewed. These savings opportunities include IntelliDrive, Travelers’ usage-based program that can reduce safe drivers’ premiums by 30% or more when they renew their policies.
| Discount | Travelers Discounted Average | Average Savings |
|---|---|---|
| Home Insurance Multi-Policy | $52 | -9% |
| Home Owner | $58 | 2% |
| Life Insurance Multi-Policy | $58 | 2% |
| Paid in Full | $55 | -4% |
| Renters Insurance Multi-Policy | $55 | -3% |
| Discount | Travelers Discounted Average | Average Savings |
|---|---|---|
| Home Insurance Multi-Policy | $146 | -10% |
| Home Owner | $162 | 1% |
| Life Insurance Multi-Policy | $162 | 1% |
| Paid in Full | $153 | -5% |
| Renters Insurance Multi-Policy | $154 | -4% |
Here are some of the other discounts that can help Travelers policyholders save on their premiums:
- Multi-policy: Bundle your Travelers auto coverage with other insurance types, such as homeowners.
- Multi-car: If you insure multiple cars on the same policy, you can lower your rates.
- Homeownership: If you own your home, regardless of whether you bundle, you can save on auto insurance.
- Safe driver: If your household doesn’t have any claims for three to five years, you can get a discount on your auto policy.
- Continuous insurance: You may be eligible for a discount if you’ve held a Travelers insurance policy with no gaps in coverage.
- Hybrid/electric car: If you own or lease an alternative-fuel vehicle, you can save on Travelers auto insurance.
- New car: You may qualify for savings if you buy a car that’s no more than three model years old.
- Payment choice: If you pay in full, opt to go paperless or set up automatic payments, you can get a discount.
- Early quote: Getting a quote from Travelers before your current policy expires could make you eligible for a discount if you switch.
- Good student: High school and college students who maintain at least a B average can save money on coverage.
- Student away at school: If you have a student in school at least 100 miles away who doesn’t drive, you can get a discount.
- Driver training: Drivers who complete an approved driver’s education class can qualify for a discount.
Travelers Car Insurance Coverage
While you’ll find all the basic car insurance coverage options you’d expect with Travelers, its long list of add-on protections really helps it stand out from the competition.
Travelers Add-On Options
Travelers offers many useful add-on options, including Premier New Car Replacement. With this coverage, Travelers will pay to replace your car with a new model if it’s totaled within the first five years of ownership. This is a nice perk if you just bought a new vehicle. Other companies may cover replacement during the first three years or less of ownership, with insurance coverage allowing for depreciated value in the years to follow.
Policyholders also have these add-on options with Travelers:
- Roadside assistance
- Rental coverage
- Gap insurance
- Accident forgiveness
- Ride-sharing coverage
Travelers Home Insurance Review
Travelers ranks 17th in our 2025 industry-wide review of the home insurance market. The provider has higher-than-average rates compared to top competitors, and its policies lack the same type of coverage against natural disasters that you’d find with insurers such as State Farm or Nationwide.
Still, Travelers received higher-than-average scores in all categories of our home insurance provider review, with its average premiums standing out as one lackluster area.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
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Travelers Home Insurance Rating
Travelers Homeowners Insurance Cost
The average annual premium for a Travelers home insurance policy for a $350,000 dwelling with a $1,000 deductible is $4,566. This is 56% higher than the national average.
The cost and location of your home, the insurance deductible you select, your credit score and whether you’ve filed any claims in the past all play key roles in determining your home insurance premiums.
Cost by State
The table below shows how Travelers home insurance premiums vary significantly by state.
| State* | Average Premium |
|---|---|
| Alabama | $807 |
| California | $176 |
| Connecticut | $560 |
| Delaware | $140 |
| Illinois | $799 |
| Indiana | $788 |
| Maine | $288 |
| Massachusetts | $703 |
| Mississippi | $743 |
| Montana | $801 |
| New York | $139 |
| Pennsylvania | $539 |
| Tennessee | $687 |
| Vermont | $293 |
The cost of a home has a major impact on Travelers home insurance premiums.
| Dwelling | Travelers Average Premium |
|---|---|
| $250,000 | $4,725 |
| $350,000 | $4,566 |
| $450,000 | $4,491 |
| $750,000 | $4,412 |
| $1,000,000 | $5,074 |
Like all providers, Travelers will typically increase your home insurance rate if you file costly claims. In the table below, we show you the average increase for policyholders based on the type of claim. Rates with Travelers are higher, on average, than the national averages for policyholders with claims.
| Claim Type | Travelers Average Premium | National Average |
|---|---|---|
| Wind and Hail | $3,320 | $2,884 |
| Fire and Lightning | $3,486 | $3,144 |
| Water Damage and Freezing | $3,540 | $3,106 |
For people with bad credit, home insurance from Travelers is significantly more expensive than what the average policyholder with bad credit in the U.S. pays.
| Credit Rating | Travelers Average Premium | National Average |
|---|---|---|
| Poor | $5,699 | $4,638 |
| Good | $4,566 | $2,927 |
| Excellent | $2,285 | $2,329 |
Home Insurance Discounts
You may save money on home insurance premiums if you qualify for discounts, such as those for having a home security system or being a new homeowner.
Here are a few of the discounts Travelers offers to homeowners insurance policyholders:
- Multi-policy: Bundle your home insurance policy with other Travelers insurance policies.
- Home buyer: Get a discount if you purchased your home within 12 months of the policy effective date.
- Loss-free: Receive a discount if you haven’t experienced a loss or filed a claim within a specified period.
- Protective device: You can save by having features such as smoke detectors, interior sprinkler systems or a home security system.
- Green home: Get up to 5% off your policy if your home is a certified “green home” by the Leadership in Energy and Environmental Design organization.
Travelers Home Insurance Coverage Options
Homeowners insurance protects your home and its contents from covered incidents. Travelers offers the six common coverages that define home insurance, as well as these add-on protection options:
- Special personal property coverage: This provides broader protection for your possessions in the event of a covered loss.
- Contents replacement cost coverage: This helps cover personal property losses based on their replacement cost at the time of loss with no depreciation.
- Additional replacement cost protection coverage: If the primary dwelling coverage in your policy isn’t enough to repair or rebuild your house after a loss, this add-on provides extra coverage.
- Jewelry and valuable items coverage: This coverage provides extra protection and higher limits for valuables, including jewelry and silverware.
- Personal articles floater: This add-on policy is available if you need more coverage for specific valuables.
- Water backup and sump pump discharge or overflow coverage: This add-on option covers damage from specific water-related incidents in your home.
- Identity fraud coverage: If you’re a victim of identity fraud, Travelers will reimburse you up to $25,000.
- Green home coverage: After a covered loss, Travelers provides additional protection that can help cover the cost to repair, replace or rebuild with green materials.
What Customers Think of Travelers Insurance
We combed through online customer reviews of Travelers to see what customers like and don’t like about the insurer. Below, we’ve featured a few common points of praise and pain from policyholders.
What Customers Like
Happy Travelers customers typically highlight helpful claim adjusters and fast claims processing.
- Helpful claims service: Positive reviews of Travelers home and auto insurance focus on professionalism and patience when handling claims.
- Fast claims processing: Travelers policyholders laud the company’s quick claims processing and payment.
What Customers Don’t Like
Above-average premiums are often singled out for criticism by Travelers customers. Poor customer service also pops up in negative reviews of the company.
- Pricey coverage: Negative Travelers reviews frequently mention high premiums.
- Subpar customer service: As you might expect from a major insurance provider, many bad reviews of Travelers mention poor customer service.
Our review team reached out to Travelers for a comment on its negative reviews and did not receive a response.
Our Survey Results
We surveyed 1,000 auto insurance policyholders to find key insights into the auto insurance industry. Here is what Travelers policyholders said:
- 76% of Travelers auto insurance policyholders are satisfied with their insurance provider.
- 82% of Travelers auto insurance customers would recommend Travelers to a friend.
- 71% bundled home and auto insurance with Travelers.
- On average car insurance claims filed were resolved in 1-2 weeks, and home insurance claims were resolved in 3-4 weeks.
- When asked to rate Travelers customer service, 100% of respondents with a Travelers car insurance policy rated them an 8 or higher.
Travelers Claims Process
According to our 2025 auto and home insurance surveys, Travelers auto policyholders have good claim experiences. The percentage of Travelers home insurance claims approved is above the national average, but approval time is a bit on the high side.
| Rating Area | Travelers | Industry Average |
|---|---|---|
| Average Home Claim Approval Time | Three to four weeks | One to two weeks |
| Average Auto Claim Approval Time | One to two weeks | One to two weeks |
| Percent of Home Claims Approved | 94% | 92% |
| Percent of Auto Claims Approved | 100% | 98% |
How Travelers Compares to Other Top Insurance Companies
In many ways, Travelers compares to our top-rated home and auto insurance providers favorably. But the company falls short in a few key areas. Here’s a look at how bundled home insurance costs and customer experiences with Travelers compare to State Farm and Allstate.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Travelers Home and Auto Bundle Pricing
Below you can find the annual and monthly averages for both minimum and full coverage bundles from Travelers Insurance.
| Full Coverage Bundle | Minimum Coverage Bundle | |
|---|---|---|
| Annual Price | $6,561 | $5,436 |
| Monthly Price | $547 | $453 |
Travelers Insurance: Frequently Asked Questions
Yes, Travelers is a reliable insurance company for both auto and home insurance. However, the company’s premiums for bundling home and car insurance tend to be quite a bit higher than average premiums nationally, according to our research. Travelers holds a top-of-the-scale A++ financial strength rating from AM Best.
Yes, Travelers is a good homeowners insurance company that offers a wide range of coverage options. It’s a reliable insurer that has been around for a long time and likely has ample ability to pay claims, as indicated by its AM Best financial strength rating.
To cancel a Travelers insurance policy, you can call 1-800-842-5075 or cancel by mail or in person at a Travelers location near you. All you’ll need is some basic personal information, your policy number and the date you want coverage to end.
How We Rated the Best Home and Auto Insurance Providers
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto and home insurance companies. We collected data on dozens of insurance providers to grade the companies on a wide range of ranking factors. Learn more about how we rate insurance providers in each industry below:
- Auto Insurance: Our team has analyzed more than 130 auto insurers based on their industry standing, availability, coverage, cost and discounts, customer service and technology. We evaluate both national and regional insurers to determine the most reputable options on the market. Learn more about our auto insurance methodology.
- Home Insurance: We assessed dozens of home insurance providers and created a scoring system to compare each company’s quality and service. We took a comprehensive look at insurers’ reputations in the industry, coverage offerings, average costs and customer service. See our rating process in more detail in our home insurance rating methodology.
*Data accurate at time of publication.
