Travelers Car Insurance

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This review will tell you everything you need to know about Travelers Insurance. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also provide sources that show how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Travelers handles its claims process. From there, you’ll have all the tools you need to decide whether Travelers is the right insurance provider for you.

Best If

  • You need flexible payment plans or GAP coverage

Worst If

  • You value customer satisfaction or a strong website

By The Numbers

  • Travelers has about 14,000 agents
  • Offers insurance in all 50 states and Washington, D.C.

Consumer Reviews

  • TopTenReviews.com
    • Ranked Travelers as the #3 auto insurer in 2015, with a score of 8.82 out of 10
    • Raved about Travelers’ lower-than-average rates
    • Score dropped because of a relatively low customer satisfaction rating
  • Reviews.com
    • Gave Travelers 4 out of 5 stars
    • Loved Travelers' large selection of vehicle discounts, good GAP coverage, excellent claims management, and flexible payment options
    • However, its lack of driver discounts and mediocre website resources detracted from its score
  • Better Business Bureau
    • Gave Travelers an A+ rating, and has been BBB accredited since 2010
    • Its perfect score was achieved due to its low complaint volume, high rate of complaint resolution, and length of time in business

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
34
-26%
2015
46
2014
29
-44%
2013
165
-25%
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 768 — far below average
  • Central: 788 — lowest rated
  • Florida: 792 — far below average
  • Mid-Atlantic: 814 — below average
  • New England: 791 — below average
  • New York: 818 — above average
  • North Central: N/A
  • Northwest: N/A
  • Southeast: 808 — below average
  • Southwest: N/A
  • Texas: N/A

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Above average
Policy Offerings
Average
Pricing
Above average
Local Agent
Average
Call Center Representativ
Above average
Insurer Website
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U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
Average
First Notice of Loss
Average
Service Interaction
Average
Appraisal
Average
Repair Process
Average
Rental Car Experience
Below average
Settlement
Average
Source: J.D. Power

Financial Ratings

A++
A.M. Best
Superior rating; highest possible
Aa2
Moody's
High quality with very low credit risk; third-highest possible rating
AA
S&P's
Very strong; third-highest possible rating

Market Share

According to the NAIC (National Association of Insurance Commissioners), Travelers’ market share was 4.0 percent in 2015, making it the fifth-largest in the nation. That same year, the company wrote $23.2 billion in Property and Casualty premiums. 

Typical Discounts

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

Roadside Assistance

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

Mobile Apps

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

History

Travelers is one of the oldest insurance companies in the world. Founded in 1864 in Hartford, Connecticut, it was originally supposed to provide insurance for railroad passengers, hence the name “Travelers.” In 2004, the St. Paul Fire and Marine Insurance Company merged with Travelers, thus becoming The St. Paul Travelers Company Inc. Finally in February 2007, the name changed to Travelers Companies Inc.

Throughout its history, Travelers has accomplished many firsts for the insurance industry. It was the first company to sell auto insurance policies and commercial airline policies, and it wrote the first policy for space travel. In modern times, Travelers is a Fortune 500 company, with an iconic red umbrella logo. In 2012, it sued the NFL in order to protect players from brain injury. And, as of 2014, Travelers also sells insurance in the UK, Ireland, Singapore, China, Canada, and Brazil.

Claims Process

To file a claim with Travelers, click here.
If you’ve filed a claim, and wish to view it, you can do so here.

Travelers has a fairly extensive claims process. When reporting your claim, Travelers will first ask you for the following information:

  • Your contact information
  • The name and contact information of any other involved parties
  • Your policy info (if available)
  • The type of loss you are reporting (auto, home, etc.)
  • The date the incident occurred
  • A description of the loss
  • A description of any injuries

A Travelers customer service rep will document all the details of the incident, provide a claim number, and then assign your claim to a Travelers claim professional.

After reporting your claim, the professional will call and ask you more questions about the incident and then discuss with you the terms of your insurance policy. For auto claims, you’ll set up a time for the claims professional to come and assess the damages in person.

All claims are different, so the amount of time it takes to settle a claim varies. Of course, Travelers agents and claims professionals do their best to make sure your claim is settled as quickly and easily as possible.

Finally, the claims professional will determine whether or not your policy will cover the damages. From there, you can expect to receive payment either immediately or very soon following the settlement.

You may also contact your insurance agent, or call 1 (800) 238-6225, 24 hours a day.

Contact Information

Claims Site
Consumer Affairs Site

Mailing Address:
One Tower Square
Hartford, CT 06183

Customer Service Phone Number: 1 (800) 252-4633