In business for over 150 years, Travelers Insurance is one of the nation’s largest property casualty companies. Having grown tremendously, Travelers currently has over 30,000 employees, along with 13,000 independent agents and multiple market segments across the personal, business, international and financial insurance groups. The company operates within the United States. It also operates within the United Kingdom, Lloyd’s of London, Canada and the Republic of Ireland. Ultimately, this expansion is precisely what has caused it to rise in popularity, making it become what it is.

They offer liability, collision and comprehensive plans. In addition to these versatile coverage plans, they offer a medical payment plan, PIP coverage—Personal Injury Protection—and a plan directed toward high-risk motorists, called Uninsured/Underinsured Motorist. If the various coverage plans do not fully convince you, they make sure to offer many discounts, which is primarily their aim.

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The Good

Coverage Features

Travelers Insurance coverage plans include Liability, Collision, Comprehensive, Medical Payments, Bodily Injury Liability, Property Damage, Uninsured/Underinsured Motorist, and Personal Injury Protection.

  • Liability coverage – this covers costs if you hurt someone, cause an accident or ruin property
  • Collision coverage – generally required for leased or financed autos
  • Comprehensive – helps pay for damages to auto caused by a collision
  • Medical Payments – coverage for anyone injured in the vehicle; fault is irrelevant
  • Uninsured/Underinsured Motorist – this coverage helps pay for damages and medical costs resulting from a driver with no insurance or a driver with insufficient coverage
  • Personal Injury Protection, (PIP) – this is also known as no-fault insurance; available in certain states and reimburses medical expenses and, in some cases, lost wages and other damages regardless of who is at fault in an accident.

Travelers also offers optional coverages of GAP Coverage (helps if the vehicle is totaled when financed or leased to cover outstanding loan balances), Rental Car Reimbursement (reimburses the policyholder for rental car costs resulting from an accident) and Emergency Towing and Labor Coverage. For residents of Colorado and Illinois, Limited Ride Sharing Coverage Endorsements are available.

Price Range

In order to easily and fairly compare coverages and prices between companies, the Review Team received quotes and makes comparisons based upon a 27-year old driver with a Toyota Camry.

Pricing is relatively fair. In the case of a 27-year old with a Toyota Camry, the person pays $24 per month for Comprehensive Coverage, but in the case of the Collision Coverage, the person pays $113 per month. Both coverage plans offer $1,000 deductibles. The Rental (ETE) Coverage offers the person $30 per day, and a $900 maximum, while the Roadside Assistance Coverage is basic, charging the person $6 per month.

At a rate of $75 per month, the Bodily Injury Liability Coverage offers to pay up to $100 per person and a total of $300 per accident. The estimated premium is $165. Property Damage Coverage pays up to $100 per accident, at an estimated premium of $64. The Uninsured Motorist Bodily Injury Coverage has the same limit as the Bodily Injury Liability Coverage, but at an estimated premium of $21. The Underinsured Motorist Bodily Injury Coverage, on the other hand, has those limits, but at an estimated premium of $24. The Personal Injury Protection Coverage is included, at an estimated premium of $24.

Service Coverage

Travelers offers nationwide and international coverage to their policyholders.


Travelers prides themselves on constantly updating their many discount plans, and their current list includes up to 15 discounts. In order for customers to qualify for discounted rates with Travelers, there are many factors to consider, such as chosen payment methods, driving histories, and the number of autos which are included on the policy.

Safe Driver, Continuous Insurance, Multi-Policy, Hybrid/Electric Vehicle and New Car discounts are the options offered by Travelers. If they are to your liking, you can find out if you qualify. Below is the description for each:

  • Safe Driver Discount – certain qualifications must be met; a discount can be applied of up to 23%
  • Continuous Insurance Discount – customers with no gaps in coverage are eligible for up to 15%
  • Multi-Policy Discount – purchasing additional policies can result in up to 13% off auto
  • Hybrid/Electric Vehicle Discount – discounts of up to 10%
  • New Car Discount – if conditions are met, a discount of up to 10% can be applied
  • Early Quote Discount – Up to a 10% discount for those whopping for a new policy before their current policy expires
  • Good Student Discount – available for a discount of up to 8% for a student with good grades
  • Driver Training Discount – up to 8% if a young driver has completed a driver training class
  • Student Away at School Discount – can qualify the policyholder for up to a 7% discount
  • Home Ownership Discount – homeowners may receive up to a 5% discount if they own a house or condo, even if they are not Travelers homeowner policyholders
  • Payment Discounts – Policyholders can earn discounts for paying in full, EBT or payroll deduction and on-time payment of premiums
  • IntelliDrive discounts are available for policyholders Alabama, Connecticut, Illinois, Indiana, Maine, Ohio, Oregon and Virginia. Those electing to participate earn an instant 10% discount and may earn up to 30% off their renewal if they meet certain mileage criteria – driving 13,000 miles/year or less.
File/Track Claims

The flexibility offered to policyholders is possibly the best aspect of Travelers. They cover all 50 states and, additionally, they are available internationally. Making it equally as convenient, is the fact that you can file and track claims, either through their agents or online. The online option can be used at any time. However, they mention that for the Bond & Specialty Insurance claims, you must file over the phone.


Travelers has boasted many “firsts” in the insurance industry, including the first available policy for automobiles in 1897.

Better Business Bureau (BBB) Rating

Travelers has shown its commitment to superior customer service by completing the voluntary act of becoming accredited by the Better Business Bureau. In addition to being accredited by the BBB, Travelers has earned an A+ rating which reflects their low relative complaint volume for a company of their size.

The Bad

Although Travelers Insurance seems to provide all necessary facts and figures to help you make a smart decision, their prices vary immensely if you are, for instance, a higher-risk driver.

Customers may find that information provided by Travelers is not necessarily applicable to their situation. The company claims that their information is often ‘necessarily simplified’ and that not everything is that which all customers can expect. This means that if you want to look into the company, make sure you inquire about any doubts you might have or about anything you consider particularly noteworthy.

The Bottom Line

In order for prospective policyholders to obtain a free quote, call an agent or enter the specified information online. As long as their prices suit your budget, Travelers is a solid company for your insurance plan.

Although there are many competitors—some of which might have better economic deals—the discount bundles and quality of Travelers’ coverage plans are worth it. In our opinion, the high prices are justified by their excellent customer service, making it a credible company to work with. Look into the prices and see if they lie within your range, because ultimately there is a reason they have been around for upward of two centuries.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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