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Introduction
Travelers Insurance is a solid auto insurance option for a car owner. Considered to be one of the best car insurance companies, Travelers is a Pennsylvania-based car insurance company that serves customers in 12 states and Washington, D.C.
When you opt for Travelers insurance, you are guaranteed to get cheap car insurance for your needs. You can get free car insurance quotes when you enter your details online. You will get standard collision and comprehensive coverage, but you also have various options when it comes to prices and additional coverage. When it comes to Travelers, the car insurance company has many exciting features that make it competitive in the market.
Pros and Cons
| Pros | Cons |
|---|---|
| Long new car replacement coverage | Expensive coverage options |
| New driver discounts | Rideshare insurance available only in Illinois and Colorado |
| Easy quote process |
Unique Travelers auto insurance features
Travelers provide all of the coverage options that most other national insurance companies do. Travelers also provide a few unique optional coverages, such as premier new-car replacement and two accident forgiveness plans, in addition to the standard coverages.
- Loan or Lease Gap Insurance: This optional coverage pays the difference between the actual cash value of your vehicle and the unpaid portion of your loan or lease if your vehicle is totaled.
- Premier New Car Replacement: This optional coverage serves as a package for new car owners, combining new-car replacement coverage, loan or lease gap coverage, and a glass deductible feature.
- Glass deductible: The glass deductible feature reduces your deductible in the event of a glass-only loss. Any claim involving your windshield, windows, outside lights, or mirrors is covered.
- Accident forgiveness: Travelers offers accident forgiveness through two hybrid programs marketed as discounts: the Responsible Driver Plan and the Premier Responsible Driver Plan.
- Ridesharing insurance: Prospective policyholders in Colorado and Illinois can add coverage when driving for Uber, Lyft, or other ridesharing apps.
- Rental Car Coverage: If your car is involved in a covered accident, rental car coverage reimburses you for the cost of a rental car. The coverage begins at $30 per day and goes up to $100 per day. While the cost will vary depending on the type of car, you can expect to pay around $20 per year for the essential coverage and around $50 per year for the most comprehensive coverage. Your car must be out of commission for at least 24 hours before you can use Travelers' rental car coverage. Rental car insurance covers specific vehicles rather than people, so you'll have to pay more if you want coverage for another vehicle.
Travelers Auto Insurance Coverages
There are various types of coverage available from Travelers. Understanding the differences between the various types of coverages available will help you in selecting the best policy for your car. Several factors determine the type of coverage you require.
Travelers Auto Insurance Coverages Limits
The length of the coverage of your car insurance is your choice. You can choose how much coverage you want. Although bare-bones insurance satisfies your state's requirements, you can choose to get more excellent coverage for your auto in exchange for higher costs.
Low Liability Coverage: The state's liability limits.
Medium Coverage:
| Amount of coverage | Purpose of coverage |
|---|---|
| $50000/$100000 | Liability for bodily injury |
| Liability for bodily injury caused by an uninsured motorist | |
| Liability for bodily injury caused by an underinsured motorist |
| Amount of coverage | Purpose of coverage |
|---|---|
| $50000 | Liability for property damage |
| Property damage responsibility for uninsured motorists | |
| Property damage responsibility for underinsured motorists |
High coverage:
| Amount of coverage | Purpose of coverage |
|---|---|
| $100000/$300000 | Liability for bodily injury |
| Liability for bodily injury caused by an uninsured motorist | |
| Liability for bodily injury caused by an underinsured motorist |
| Amount of coverage | Purpose of coverage |
|---|---|
| $100000 | Liability for property damage |
| Property damage responsibility for uninsured motorists | |
| Property damage responsibility for underinsured motorists |
Travelers' auto insurance rates
| Coverage Type | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Full Coverage | $180 | $2154 |
| Minimum Coverage | $61 | $733 |
The cost of auto insurance is determined by several criteria, including your age, driving record, credit history, and where you live. Nonetheless, our research indicated that rates with Travelers offer marginally affordable car insurance than the national average for a wide range of drivers. Although Travelers is not the cheapest car insurance for any demographic, their premiums are lower than the national average for several drivers.
Travelers' car insurance rates by age
Travelers Rates for Teen Drivers
Travelers' car insurance for 18-year-olds is comparatively cheaper when compared to other car insurance companies. The car insurance for women drivers is about $4110, while for a male driver is $5172.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <18 or 18-year-old female | $4110 |
| <18 or 18-year-old male | $5172 |
Travelers Rates for Young Adults
Auto insurance costs typically decrease as drivers age and gain experience, but older drivers save less.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <25 or 25-year-old female | $1353 |
| <25 or 25-year-old male | $3378 |
Travelers Rates for Seniors
Coming to senior car insurance: Travelers' prices for a 60-year-old woman dropped to $1083, while rates for a 60-year-old male dropped to $1122.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <60 or 60-year-old female | $1083 |
| <60 or 60-year-old male | $1122 |
Travelers car insurance rates by coverage
| Type of Drivers | Average annual car insurance premium |
|---|---|
| Good Drivers | $2154 |
| Drivers with a speeding ticket | $1680 |
| Drivers Who Caused an Accident with Injury | $1770 |
| Drivers with a DUI | $2031 |
Travelers Average Insurance Cost By State
| States | Travelers Annual Cost Estimate |
|---|---|
| Alabama | $1278 |
| Arizona | $1500 |
| Colorado | $1509 |
| Connecticut | $1554 |
| Delaware | $1266 |
| Florida | $2478 |
| Idaho | $1020 |
| Illinois | $1308 |
| Kansas | $1473 |
| Kentucky | $1491 |
Travelers' auto insurance discounts
Travelers provide a wide range of car insurance discounts, including -
- Discount for multiple policies: When you buy Travelers homeowners insurance, condo insurance, or another insurance policy, you can save up to 13% on your auto insurance premium.
- Multi-car discount: Travelers offer a multi-car discount if you insure more than one vehicle with them.
- Safe driver: Travelers customers who have not had any accidents, traffic violations, or major comprehensive claims in the last three to five years are eligible for a safe driver discount.
- Loyalty discount: If you have had your car insurance policy with Travelers for a long time, you will receive a continuous insurance discount (meaning no gaps in your insurance history).
- Hybrid/electric vehicle discount
- Good student discount: Students with "B" averages or higher in high school or college qualify for a good student discount.
Travelers' complaints and customer satisfaction
Many customers have mentioned the helpful insurance agents and smooth claims process of Travelers insurance. Travelers insurance has always had the policy of customer first. New customers have mentioned the new river discounts as one of the most positive factors when choosing Traveler insurance.
The easy to get quote part is another highlight of Travelers insurance that customers loved.
Way Summary
Travelers is highly regarded by industry experts and provides a wide range of coverage above and beyond the legal requirements. Coverage, however, is not available in every state. Travelers insurance is also generally more expensive than that of other companies.
Because of its good student and new driver policy discounts, a Travelers auto insurance policy is worth considering for teens looking to buy/renew car insurance. Drivers who prefer to speak with insurance agents rather than file insurance claims online will appreciate the variety of in-person options. However, if you prefer to do things digitally, you can file a claim online or through the Travelers mobile app.
About Travelers Car Insurance
Travelers have been providing property and casualty insurance for over 165 years. Travelers now employ 30,000 people to provide customers with personal, business, and specialty insurance.
A Brief History of Travelers
Travelers began as two distinct companies: Travelers and the St. Paul Fire and Marine Insurance Co. The first Travelers policy was sold for two cents in 1864. In 2004, the two companies merged to form The St. Paul Travelers Company. The company's name was changed to The Travelers Cos in 2007.
Travelers’ Charitable Causes
Over the last decade, Travelers has donated more than $225 million to its communities. Among the common causes supported by the company are:
- Initiatives in higher education
- Culture and the arts
- Thriving communities
- Relief from natural disasters
- Services for health and social welfare
- Public and civic affairs
- Initiatives for grades K-12
In 2020, more than $5.5 million was allocated for Covid-19 relief to help families, small businesses, and communities in the United States, the United Kingdom, and the Republic of Ireland.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions
Does Travelers insurance cover rental cars?
Yes, Travelers Insurance provides rental car insurance. Suppose a driver has liability, comprehensive, or collision coverage and is driving in the United States. In that case, Travelers' rental car insurance is usually included in their car insurance policy.
Does travel insurance cover car hire excess?
Rental car insurance policies typically only cover damage caused by a collision. This benefit does not cover the cost of any personal property found inside the car during an incident. It also does not cover damage to another vehicle or medical care for anyone injured in an accident involving the rental car.
Is Travelers a good car insurance company?
Travelers is a good insurance company because it is financially stable, has a strong credit rating from A.M. Best, and has an above-average NAIC customer satisfaction score.
How do I cancel my Travelers car insurance?
You can reach a representative at 1-800-842-5075. You can cancel in person at a Travelers office. You can also cancel by mail by sending a letter to the following address Travelers, P.O. Box 5600, Hartford, CT 06102
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