Travelers Car Insurance – Smart Choice for Drivers

Choosing the right car insurance can be daunting, but Travelers Car Insurance stands out as a smart choice for many drivers. Travelers has a long-standing reputation for reliability and stability it is one of the largest and oldest insurers in the U.S., founded in 1864, and it issued the first automobile insurance policy back in 1897. Over 165 years later, Travelers remains a powerhouse in auto insurance. The company’s AM Best financial strength rating is A++ (Superior), reflecting its ability to pay claims and honor policies.

Travelers consistently earns high marks for coverage and value. Industry analysts regularly place Travelers at the top of their rankings. NerdWallet, for example, ranked Travelers as the best car insurance company of 2025, noting Travelers’ “affordable rates, as well as lots of coverage and discount options.”  Likewise, numerous travelers car insurance reviews highlight the company’s combination of low premiums, broad policy choices, and strong financial backing . Many policyholders also praise Travelers’ smooth online tools and extensive policy add-ons.

In the sections below, we’ll explain everything drivers need to know about Travelers car insurance. We’ll examine its coverage options (what is and isn’t included in a Travelers policy), pricing and discount opportunities, and how to get quotes. We’ll also cover specialized topics like Travelers car insurance for teens or for seniors. Finally, we’ll address frequently asked questions about Travelers’ claims process and customer service, so you can make an informed choice.

Comprehensive Coverage Options

Travelers car insurance coverage goes far beyond basic liability. In addition to the required liability insurance (which pays for bodily injury and property damage to others), Travelers offers all standard auto coverages like collision and comprehensive protection . Comprehensive coverage handles non-collision events (theft, fire, weather damage, hitting an animal, vandalism, etc.) , while collision pays for damage to your vehicle when you crash or hit an object .

Personal Injury Protection (PIP) or Medical Payments covers medical costs for you and passengers. Travelers also includes uninsured/underinsured motorist coverage to protect you if another driver has no insurance. These core protections ensure your vehicle and you are protected in most scenarios.

Beyond these basics, Travelers policies can be enhanced with popular add-ons:

• Roadside Assistance: Includes towing (up to 15 miles on the basic plan, or up to 100 miles on a premier plan), battery jump-starts, fuel delivery, lock-out service, and more .

• Accident Forgiveness: Through the Responsible Driver Plan, Travelers will forgive one at-fault accident or minor violation within a specified period, meaning your rates won’t increase after that first incident .

• Rental Car Reimbursement: Pays for a rental vehicle (up to 30 days) if your car is being repaired due to a covered loss.

• Loan/Lease Gap Coverage: Covers the “gap” between what you owe on a financed or leased vehicle and its actual cash value if it’s totaled .

• Diminishing Deductible: Earn a $500 credit toward your comprehensive or collision deductible for each year you go without an accident or violation .

• Hybrid/Electric Vehicle Coverage: Travelers offers special coverage and discounts for hybrid and electric cars .

• Rideshare Insurance: If you drive for Uber, Lyft, or similar services, Travelers can provide coverage gaps not covered by ride-sharing company policies .

• Non-Owner Insurance: Ideal if you occasionally drive a car you don’t own (e.g., a rental or borrowed vehicle).

• Classic & Collector Coverage: Agreed-value coverage for antique or collectible vehicles .

Overall, Travelers’ coverage options are very extensive. A Travelers auto policy covers bodily injury and property damage (liability), plus optional protections for collision, theft, and other losses . Even if you have special needs like covering a hybrid vehicle, collectible car, or rideshare usage Travelers likely has an option for it . When buying Travelers car insurance, review your policy details to ensure you have the exact coverages you need.

Affordable Rates and Getting Quotes

Travelers car insurance rates tend to be very competitive. In fact, Travelers often has some of the lowest premiums in the market . For example, one analysis found that Travelers’ average yearly premium for full coverage was about $1,597, roughly 33% lower than the national average of $2,399 . Another study reports Travelers’ median rates as about $57 per month for minimum coverage and $161 per month for full coverage  (about $684 and $1,932 per year respectively).

These figures mean that many drivers pay far less with Travelers than with other major insurers. Travelers also tends to beat competitors: one comparison showed Travelers’ rates were lower than those of AAA, Allstate, Liberty Mutual, and State Farm across several driver profiles .

That said, premiums do vary by state: in a few high-cost areas (such as New York and Oregon), Travelers’ average rates can be higher than the norm . Therefore, it’s always wise to obtain your own travelers car insurance quotes to see how factors like your location, driving history, age, and vehicle affect your cost. Quotes depend on your profile: Drivers with clean records, good credit, and newer cars typically get the best rates, while teenagers or those with DUIs may pay more. The only way to know your exact price is to compare personalized rates.

Getting a Travelers quote is quick and easy. You can visit the Travelers website and start an online quote that takes about 7 minutes . Simply enter your ZIP code and follow the step-by-step form. You will immediately see your customized rate. Alternatively, you may call Travelers at 1-800-252-4633 to speak with a licensed representative, or find a local independent agent who can provide a free quote. In fact, travelers car insurance near me is easy to achieve – Travelers’ site has a “Find an Agent” feature and many agents nationwide sell Travelers policies . Both direct and agent-assisted methods are available: Travelers even allows you to complete a purchase online in many states, after which they will match you with an agent for any questions.

Finally, remember that Travelers rewards safe driving. Travelers’ IntelliDrive telematics program tracks driving behaviors (like speed, braking, time-of-day) and can cut your premium by up to 30% for safe driving . Many families enroll their low-mileage, careful-driving member in IntelliDrive to maximize savings. When shopping, compare Traveler quotes with at least one other insurer’s quote – often you’ll find Travelers holds an advantage due to its many discounts and low base rates.

Discounts and Savings

Travelers provides many ways to cut your premium. Travelers car insurance discounts reward responsible drivers, families, and students alike. Key savings include:

• Multi-Policy/Bundling: Combine your auto policy with Travelers home, renters or other eligible policies and save (some customers save up to 13% or more) .

• Multi-Car: Insure two or more vehicles on the same policy and each car’s cost drops.

• Homeowner: If you or someone on your policy owns a home or condo (even if insured elsewhere), you qualify for a discount .

• Safe Driver: No accidents, violations or major claims in several years earns a discount. (Most states offer a safe-driver cut if you have 3–5 years clean.)

• Good Student: Drivers under ~25 who earn at least a B average (or are in the top 20% of their class) get a savings .

• Student Away: If a student on your policy attends college 100+ miles from home and doesn’t take a car to campus, you may save on premiums .

• Driver Training: Teen drivers who complete an approved driver’s ed or defensive driving course may qualify for a discount .

• New-Car Discount: Cars less than 3 years old usually earn a discount because they’re equipped with newer safety features.

• Paid-in-Full / Good Payer: Pay your annual premium in full (or keep all payments current) and you could save several percent.

• Continuous Insurance: Maintain continuous coverage with no gaps to avoid rate surcharges and possibly earn loyalty savings.

• IntelliDrive Safe-Driving Program: Enroll in Travelers’ mobile telematics program; safe driving habits can yield up to 30% off your policy .

Altogether, Travelers discounts can significantly lower your cost. For example, combining a multi-policy discount with IntelliDrive can make a big dent in what you’d otherwise pay. Many customers find that taking advantage of the Good Student and Student Away discounts can cut a teen’s rate in half. When you get a quote, be sure to ask which of these savings apply to you. In practice, Travelers customers often stack 2–4 discounts (such as bundling, safe driver, and a multi-car discount) to maximize savings.

Travelers Car Insurance for Teens and Young Drivers

Teen drivers usually cost insurers much more, but Travelers offers several programs to help families. According to official statistics, teen drivers have the highest accident rates of any age group , so full coverage is often essential. Fortunately, Travelers car insurance for teens provides multiple ways to save and reward safe behavior.

For example, Travelers’ Good Student Discount cuts rates for young drivers maintaining at least a B average . Likewise, a teen away at college can earn the Student Away Discount if the student lives over 100 miles from home and doesn’t regularly drive the insured car . Completing an approved driver’s education course can also unlock savings. One practical tip: keep your teen listed under your policy as a multi-car, multi-driver household. This way you can also stack other discounts (like homeowners or bundling savings) on top of teen-specific discounts.

Travelers even offers tools like the IntelliDrive safe-driving program, which many families use to monitor teen driving. By enrolling a teen in IntelliDrive (via the mobile app or a plug-in device) and showing good driving habits, a family can reduce the teen’s premium by up to 30% . This is especially valuable since a 16-year-old driver without discounts often pays 3–5 times the rate of a 30-year-old (industry data suggests around $7,500 per year for a 16-year-old) . Using IntelliDrive or similar tracking for teens can therefore erase a large chunk of that surcharge.

Travelers also allows valuable add-ons for teen drivers: for example, you can add Roadside Assistance (covering tire changes, fuel delivery, etc.) or Accident Forgiveness (so one at-fault accident won’t spike rates). When budgeting for a young driver, combine as many Travelers discounts as possible. In many cases, stacking the Good Student and Student Away discounts can reduce the teen’s insurance cost by half or more. All in all, Travelers car insurance for teens balances necessary protection with incentives for safe driving.

Travelers Car Insurance for Seniors

Travelers doesn’t have a specific “senior citizen” program by name, but mature drivers can still benefit from several savings. For example, in about 34 states plus DC, older drivers who complete a certified defensive driving course qualify for a discount . In general, any senior (age 55+) still gets the same multi-policy and safe-driver discounts as everyone else. So while Travelers doesn’t advertise a special senior discount, seniors should focus on maintaining a clean driving record and bundling policies to save.

Seniors may also appreciate certain policy features. For instance, Travelers’ accident forgiveness (after a long safe-driving streak) and diminishing deductible program (rewarding years of no claims) can provide extra peace of mind . These are not age-specific perks, but they often appeal to older drivers who want extra stability in rates.

In summary, travelers car insurance for seniors emphasizes overall safe driving and taking advantage of all available discounts, rather than giving flat age-based breaks. Seniors should ask agents about any local programs in their state, but the key is that Travelers acknowledges mature drivers through its robust mix of standard discounts and insurance products.

Claims Process and Customer Service

When the unexpected happens, Travelers provides multiple ways to file a claim. You can report a claim 24/7 by phone (1-800-252-4633), online through the Travelers website, or via the Travelers mobile app . The basic claims workflow is straightforward: you (1) file the claim, (2) get an initial review/adjuster assignment, (3) have the vehicle inspected or damages estimated, (4) receive an estimate and complete repairs, and (5) settle by paying any deductible.

Many customers say the process works smoothly if you use one of Travelers’ approved repair shops (which often speeds up estimates). You can also upload photos of minor damage through the app to get quick approval for glass or small repairs.

Independent ratings of Travelers’ claims performance are mixed. In J.D. Power’s 2024 Auto Claims Satisfaction study, Travelers scored below the industry average . Similarly, the CRASH Network gave Travelers a mid-tier rating (C) in its 2025 Insurer Report Card . However, Travelers’ A++ (Superior) AM Best rating  assures that it will pay valid claims promptly. In practice, many reviewers note that as long as you work with Travelers’ direct repair shop partners, the repairs and settlement tend to go well. Travelers also offers support like rental car coverage and claims status updates via app or online, which some customers appreciate.

Customer service reviews for Travelers auto insurance are about average. The NAIC complaint index for Travelers’ auto line is mixed: overall below average, but higher than average complaints in some states . J.D. Power surveys note that Travelers is above average for shopping and pricing satisfaction, though it lags slightly on claims satisfaction . Overall, many policyholders appreciate Travelers’ affordability and coverage options, even if some report mixed experiences with agent or claims representatives .

Independent agents (who sell Travelers) can help guide you through claims, which often smooths out any issues. In summary, Travelers’ combination of a robust claims network and strong financial stability means it can handle claims, but customers should be proactive (for example, choosing an approved repair shop) to make the process easier.

Finding Travelers Insurance Near You

Travelers operates in virtually every U.S. state (except AK, FL, HI, LA, MI, ND, SD, WV, WY) . So whether you live in California or Ohio, you can get a Travelers auto policy. The easiest way is online: go to Travelers.com/car-insurance and enter your ZIP code to start a quote. If you prefer in-person service, click “Find an Agent” on Travelers.com to locate a local independent insurance agent who represents Travelers . Agents can answer state-specific questions and often help find local discounts.

You can also simply search the web for “Travelers agent [your city]” – since the vast majority of states have multiple Travelers agents, you’ll typically find several results near you. In short, “Travelers car insurance near me” is just a zip-code entry or Google search away. Plus, Travelers’ website will automatically suggest any regional discounts or filings when you get an online quote.

FAQs

• Q: How do I get Travelers car insurance quotes?
  A: The quickest way is to use Travelers’ online quote tool at Travelers.com – enter your ZIP code and follow the prompts (it takes about 7 minutes) . You’ll get a rate instantly. You can also call Travelers at 1-800-252-4633 to speak with an agent who can provide a free quote. If you prefer a face-to-face approach, look up a local independent agent and ask them to quote Travelers. All these methods are free and without obligation.

• Q: What coverages does Travelers car insurance offer?
  A: Travelers offers all the standard auto coverages and many extras. Standard coverages include liability (Bodily Injury/Property Damage), collision (damage to your car in an accident), comprehensive (theft, fire, weather, hitting animals, etc.), uninsured/underinsured motorist, and medical/PIP . Additional options include rental reimbursement, roadside assistance, gap coverage, accident forgiveness, diminishing deductibles, and more. Travelers even has special policies for hybrid/electric vehicles, rideshare drivers (Uber/Lyft), collector cars, and non-owner insurance . In short, Travelers car insurance coverage is very flexible to fit different needs.

• Q: Are Travelers car insurance rates expensive or cheap?
  A: Generally, Travelers’ rates are on the low side. As mentioned, their full-coverage rates are about 33% below the national average . Many drivers find Travelers quotes to be cheaper than those from competitors, especially after discounts. However, rates can vary: a driver in California might pay much less with Travelers, whereas a driver in New York might pay more than average . The best approach is to compare personalized quotes.

• Q: What Travelers car insurance discounts can I get?
  A: There are many discounts: bundling your auto and home insurance, insuring multiple cars, maintaining continuous coverage, paying in full, having no recent accidents (Safe Driver discount), being a good student, completing driver’s ed, and more . Check the Travelers website for a full list. In practice, multi-policy and safe-driver discounts are among the most valuable. Always ask your agent to apply every discount for which you qualify (including IntelliDrive safe-driving program savings).

• Q: How do I file a Travelers car insurance claim?
  A: You can file a claim online, through the Travelers mobile app, or by calling 1-800-252-4633 any time (24/7). The app/website guides you through uploading information and documents. After filing, Travelers assigns an adjuster and works with you on estimates and repairs. If it’s a minor claim (like a small glass break), you can handle it quickly via the app. For larger claims, using a Travelers approved repair shop usually simplifies things. Detailed claims steps are on the Travelers website as well.

• Q: What is Travelers car insurance customer service like?
  A: Travelers’ customer service is generally solid but not perfect. The company has a wide network of independent agents, so your experience may depend on which agent you work with. Nationally, Travelers is average in customer satisfaction surveys: it scores well on price and policy options but only around average on claims service . The NAIC complaint index is about average (meaning few state complaints overall) . Many customers report helpful online tools and friendly agents, though some have reported delays. If service is a top concern, consider getting a local agent’s phone number or working through Travelers’ website for claims.

• Q: Is Travelers car insurance a good company?
  A: In many respects, yes. Travelers is very well-rated financially (A++ by AM Best)  and offers competitively priced policies. It has a broad product lineup with many coverage options and discounts (making it attractive for families, commuters, and special cases) . It may not have the absolute highest survey scores for every customer service metric, but its reliability and affordability make it a good fit for numerous drivers. As with any insurer, the best choice depends on your individual needs and quotes – but Travelers frequently ranks near the top in expert reviews.

• Q: How can I find Travelers agents or quotes near me?
  A: To locate Travelers coverage, go to the Travelers website and use the “Find an Agent” feature or enter your ZIP code for an online quote . Travelers works with thousands of independent agents, so a quick internet search for “Travelers insurance agent [your city]” will usually yield several agents in your area. You can visit an agent’s office or request they call you. Agents can answer local questions and help compare coverage. Remember, even if you prefer online quoting, having an agent’s contact info handy is useful if you ever need personalized assistance.

In conclusion, Travelers car insurance combines affordable pricing with a wide range of coverage options, making it an excellent choice for many drivers. Its strong financial rating  provides peace of mind that claims will be paid, and its extensive list of discounts helps keep premiums low. While Travelers’ customer satisfaction scores are about average, its discounts, coverage extras, and stability often outweigh that concern . Drivers shopping for insurance should definitely get a Travelers quote and compare it to others. By understanding Travelers car insurance coverage and taking advantage of all available discounts, most drivers can find a policy that fits their needs and budget. Overall, Travelers car insurance remains a highly regarded, reputable insurer – the kind of smart choice that many drivers end up recommending to friends and family.

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