Travelers car insurance review 2026: 4 out of 5 stars

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Travelers offers a wide range of auto insurance options, including roadside assistance, accident forgiveness, and more. Travelers also offers numerous discounts to help you save on your insurance premiums.

While Travelers doesn’t consistently score at the top for claims satisfaction, it may still be a solid choice for drivers who want flexible coverage and the convenience of managing multiple policies with one insurer.

Learn more: How does car insurance work? The basics explained

When we called Travelers to verify details for this review, we reached an agent in about nine minutes. The wait was longer than we would prefer, but the agent answered our questions thoroughly.

Learn more: How does car insurance work? The basics explained

Learn more: Car insurance discounts: 17 ways to save

Travelers offers basic and full coverage, plus a few extras you can add to your policy for more protection. Since coverage can vary by state, here are some of the common options you’ll find with Travelers:

Learn more: Most common types of car insurance explained

Yes, Travelers does offer accident forgiveness, but it’s something you have to qualify for and add to your auto insurance policy. You can get accident forgiveness through one of two plans:

Learn more: Is accident forgiveness insurance worth it?

Yes. Although Travelers base auto insurance doesn’t include emergency roadside assistance in its policies, you can get 24/7 roadside help by adding one of two options to your policy for an extra cost:

  1. Roadside Assistance: Includes basic services like local towing, battery jump-starts, and fuel delivery.

  2. Premier Roadside Assistance: Includes everything in the basic plan plus extras like towing up to 100 miles, trip interruption insurance for travel expenses like meals and accommodations, and up to $500 in personal property coverage.

Travelers roadside services are provided through Cross Country Motor Club, Inc. or Cross Country Motor Club of California, Inc., depending on where you live.

Learn more: Do I need emergency roadside assistance coverage?

Travelers’ full coverage costs $183 on average each month. Full coverage includes liability, as well as collision insurance and comprehensive coverage. Collision helps pay for repairs or replacement if your car is in an accident, while comprehensive covers things like theft, vandalism, weather damage, or falling objects.

Like other auto insurance policies, the price you pay for Travelers auto insurance depends on several factors, like location, vehicle type, and whether you opt for basic or full coverage.

Basic coverage, also called liability-only coverage, meets your state’s minimum insurance requirements and helps pay for injuries or property damage you cause to others, up to your policy limits.

While liability-only coverage meets state law, it won’t cover repairs to your own car if you’re at fault for the accident. That’s why Yahoo Finance recommends choosing a more comprehensive policy if your budget allows, since it offers greater financial protection and can help reduce out-of-pocket costs.

Learn more: Minimum car insurance requirements in all 50 U.S. states

With an average monthly rate of $183 per month for full coverage car insurance, Travelers ranks as one of the more budget-friendly insurers. It’s slightly under the industry average of $190 per month.

The average monthly premium for Travelers liability-only car insurance is $108 per month. That’s a bit lower than the $113 industry average for basic coverage.

Travelers’ car insurance discounts include:

Note: Travelers car insurance discounts can vary by state.

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Filing a claim with Travelers after an accident is a fairly straightforward process. Even if you don’t have all of the details yet, it’s best to start the process as soon as you can. Remember that you can always add more information later on. Here are the steps you should follow to file your claim:

  1. Review your coverage: Before you decide to file a claim, make sure you understand what your policy covers. If you’re unsure or have questions about your policy, you can reach out to Travelers Claim Customer Service at 1-800-252-4633 or contact your agent directly.

  2. Gather documents and evidence: Collect anything that will help support your claim and assess the damage. Travelers typically needs to see your basic contact information (and anyone else’s who was involved), the date of the incident, and details on what happened (including any injuries), and photos or videos of the damage.

  3. Contact Travelers to start the claim process: With the accident details in hand, you can submit a claim by calling Travelers Claim Customer Service, filing online, or using the MyTravelers app. At this point, you’ll receive a claim number and be assigned to an adjuster.

  4. Work with your adjuster: Once Travelers reviews your claim, an adjuster will follow up with the next steps. Make sure to stay in contact, provide any additional information they request, and keep detailed notes of all communication.

  5. Get an estimate for damages: In some cases, Travelers uses the photos you provide to estimate repair costs. You’re also free to get an estimate from a repair shop you trust. If you need help finding one, the MyTravelers Repair Network can connect you with reputable facilities. And if your vehicle is declared a total loss, Travelers will guide you through the total loss and payment process.

  6. Settle your claim: After your vehicle is repaired and back on the road, you can choose how you receive your payment, such as via direct deposit. If you use the MyTravelers Repair Network, Travelers can pay the shop directly. This means you’ll just be responsible for your deductible when you pick up your car.

Learn more: How to file a car insurance claim

Generally speaking, for property policies like auto insurance, Travelers says you have at least six months to file a claim. However, if you’re planning to file, they suggest doing it right away.

Travelers doesn’t give an exact timeline for when you’ll receive payment except for noting it will be after all repairs are finished. You can choose to get paid electronically, either by direct deposit or through a PayPal account.

Travelers’ mobile app gets mixed feedback from users. Apple users tend to be satisfied overall, while some Android users report issues like trouble paying bills through the app and slow loading times. The app offers useful features such as billpay, weekday chat support, policy updates, and digital access to your insurance cards.

No, Travelers Insurance and GEICO are two separate companies. Travelers is publicly traded and owned by its shareholders, while GEICO is part of the Berkshire Hathaway corporation. However, GEICO does sell policies from a variety of insurance companies, including Travelers. For example, you can purchase Travelers home or condo insurance through GEICO.

Travelers and GEICO each have their strengths, so you can’t really say one is better than the other. Travelers tends to have lower rates on average, but GEICO ranks slightly higher on J.D. Power and Associates’ 2024 customer satisfaction survey, meaning more policyholders are happy with the customer service they receive.

At the end of the day, your best fit depends on factors like the coverage options you want, discounts you qualify for, customer service in your area, and your final quote. That’s why it’s a good idea to get several quotes from multiple companies so you can compare prices, coverage, and features side by side.

With lots of coverage options and some extra perks, Travelers auto insurance may be a good fit for drivers who like having choices. You can pick from collision and comprehensive coverage, roadside assistance, and customizable packages that bundle popular features for convenience. Travelers also offers discounts for safe driving, bundling multiple policies, and driving a hybrid or electric vehicle.

So whether you want a basic insurance plan or a policy with extra benefits, Travelers may give you the flexibility to build coverage that fits both your needs and your wallet. But make sure you explore all of your options and compare quotes to make sure Travelers is the right option for you.

Yes, Travelers has a solid track record for paying out claims. The insurance rating company AM Best gives Travelers its highest score for financial strength, meaning the company is very stable and has a very low chance of running out of money. In other words, Travelers is in a strong position to pay policyholders when they file a claim.

That said, ratings aren’t the only thing to look at when picking auto insurance. It’s also important to check customer reviews, coverage options, and costs to see if Travelers is the right fit for you.

Tim Manni edited this article.

We researched the coverage details and prices for 20 auto insurance plans. We then weighted categories, and each auto insurer was scored relative to the others to find the best auto insurance companies. Here are the factors we incorporated.

Coverage types: 20% of score. We examined all the coverage options available, and assessed whether each insurer offered the following: new car replacement (5%), GAP insurance (5%), accident forgiveness (5%), and diminishing deductible (5%).

Average cost: 40% of score. The average cost was generated by Savvy Insurance Solutions in-house machine learning models based on over 3 million data points, and includes more than 20 of the largest insurance companies in Savvy’s nationwide data set. These estimates are for policies with full coverage for the average policyholder who owns one car. Average policyholder here is defined as a 48-year-old driver, driving a 13-year-old car, in an average-income ZIP code with full coverage.

Customer satisfaction: 20% of score. We factored in information from two major sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), in which we took the total number of complaints each company had over a three-year period (2022-2024) and 2) CRASH scores (10%) from the Crash Network which share how well each company ensures quality repairs and customer service.

Discounts: 10% of score. We gave points for each type of discount that each auto insurer offers.

App ratings: 10% of score. We included the average ratings for each company’s apps across both the Apple App Store and Google Play Store. All app ratings were accurate at the time of publication.

 

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