- Highest possible AM Best financial strength rating.
- NAIC complaint index well below average.
- Broad coverage add-ons including gap insurance and new car replacement.
- Telematics available in most states.
- Strong discount menu with options for most driver profiles.
- Rates above average for many profiles.
- Below-average claims satisfaction score in J.D. Power’s 2025 study.
- Does not file SR-22 documents.
- Not available in all 50 states.
Travelers car insurance: Jerry’s verdict
Travelers has been writing insurance since 1864 and is now one of the six largest auto insurers in the United States by market share. Most other insurers can’t compete with that kind of genuine financial strength and product depth, but that also doesn’t automatically translate into the best price or the smoothest claims experience.
The financial benchmarks are competitively strong. Travelers holds an AM Best A++ (Superior) rating, the highest tier available, and its NAIC complaint index sits well below the industry standard. Travelers’ coverage menu is deep and includes gap insurance, new car replacement, accident forgiveness, rideshare coverage and IntelliDrive, a telematics program available in 42 states. The discount list covers most driver profiles: multi-policy, multi-car, homeowner, good driver, good student, hybrid or electric vehicle, new car and early quote discounts are all available.
Claims is where this insurer falls short. Travelers’ J.D. Power claims satisfaction score sits below average, which is a real shortfall for a carrier in this price bracket. It also ranks at or near the bottom in multiple J.D. Power regional Auto Insurance Study rankings. This is an important factor for drivers who prioritize claims experience. It’s also important to know that Travelers doesn’t file SR-22 documents, so high-risk drivers who require SR-22s or FR-44s will need to look elsewhere.
Who Travelers is best and worst for
A driver with a clean record who wants coverage options. Travelers’ product menu is one of the most complete of any national carrier. Drivers who want gap insurance, new car replacement or accident forgiveness alongside standard coverage will find it all here.
A homeowner or multi-policy customer. Travelers’ bundling discounts are competitive, and the discount for homeownership applies even if your home isn’t insured through Travelers.
A driver who wants telematics savings. IntelliDrive is available in 42 states and rewards safe driving habits including smooth braking and acceleration, avoiding late-night driving and limiting phone distractions.
A high-risk driver who needs SR-22 filing. Travelers does not file SR-22 or FR-44 documents. Drivers who need those forms should look at carriers that specialize in non-standard coverage.
A driver who prioritizes claims satisfaction above all else. Travelers’ J.D. Power claims score sits below the study average. Drivers prioritizing claims experience should compare against higher-rated alternatives.
A driver outside its coverage area. Travelers is not available in all 50 states.
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Learn more: Full coverage vs. liability-only insurance
How much does Travelers car insurance cost?
Pricing for Travelers coverage varies based on many factors including your state, credit score, driving history and coverage level. Drivers with poor credit or a history of certain violates or at-fault accidents can pay quite a bit more.
Travelers rates can run slightly above the national average for some profiles, but that gap shortens considerably for drivers who qualify for multiple discounts or enroll in telematics.
The factors that matter most:
- Your driving record is often the biggest factor. A clean record snags you the best rates while violations or accidents push them up. Even a single at-fault accident will raise your premium by 61% on average, while a DUI conviction can mean an even bigger increase.
- Credit score plays a role in most states. Travelers, like most insurers, uses a credit-based insurance score when evaluating drivers, and those with poor credit will pay more for coverage. (Note that California, Hawaii, Massachusetts and Michigan prohibit the use of credit in insurance pricing.)
- Location matters. State regulations, local accident and theft rates, weather exposure… it all affects what Travelers charges in your area. Rates vary from state to state and even between zip codes.
- Coverage level sets the bar. Minimum liability coverage is a lot cheaper than full coverage, but the trade-off is leaving your own vehicle unprotected. Your right coverage level depends on your car’s value, your risk tolerance and whether you’re financing or leasing.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Travelers car insurance
Travelers performs well across financial strength and complaint benchmark, but its claims satisfaction score is the most significant gap.
| Rating | Traveler’s score |
| NAIC consumer complaint index (2025) | Moderately low (0.56). |
| CRASH Network report card (2026) | C. |
| JD Power auto insurance shopping study (2025) | No. 16 out of 18. |
| JD Power auto insurance claims study (2025) | N/A. |
| AM Best (2025) | A+ (Superior). |
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NAIC details
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CRASH Network details
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JD Power details
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AM Best details
Jerry pulls up to 20 quotes from top rated carriers.
Travelers car insurance coverage options
Travelers offers one of the deeper coverage menus of any national carrier, combining standard protections with a meaningful list of add-ons.
Standard coverage includes:
- Bodily injury liability. Covers injuries to others when you’re at fault in an accident.
- Property damage liability. Covers damage to another person’s property when you’re at fault.
- Collision. Covers damage to your own vehicle from a collision with another vehicle or object.
- Comprehensive. Covers damage from non-collision events such as theft, weather or vandalism.
- Uninsured/underinsured motorist coverage. Covers your injuries and damages when the at-fault driver lacks adequate insurance.
- Medical payments (MedPay) / personal injury protection (PIP). Covers medical expenses for you and your passengers after an accident, regardless of fault.
Some key optional add-ons are:
- Gap insurance pays the difference between your car’s actual cash value and the remaining loan or lease balance if the vehicle is totaled. Uncommon in the non-standard market.
- New car replacement. May cover the cost of replacing a totaled new car with another new vehicle of the same make and model.
- Accident forgiveness. Protects qualifying drivers from a rate increase after their first at-fault accident.
- Rental reimbursement covers a rental vehicle while your car is being repaired after a covered claim.
- Rideshare coverage. Extends your personal policy for periods when driving for a rideshare platform such as Uber or Lyft.
- Roadside assistance for towing, flat tire, battery jump-start and fuel delivery.
Beyond auto, Travelers also offers motorcycle, boat, pet, landlord and home/renters insurance.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Travelers car insurance discounts
Travelers has a broad discount menu, with savings opportunities for most driver profiles.
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Multi-policy. Bundle auto with a Travelers home, renters or umbrella policy.
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Multi-car. Insure more than one vehicle on the same Travelers policy.
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Homeowner. Own a home, even if it’s not insured through Travelers.
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Good driver. Maintain a clean record for three to five years with no major claims or violations.
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Early quote. Request a quote at least a week before your current policy expires.
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Good student. Maintain a B average or better as a high school or college student.
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Hybrid/electric vehicle. Insure a qualifying hybrid or electric car.
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New car. Insure a new vehicle.
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Loyal customer. Receive savings for maintaining continuous coverage with Travelers.
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Payment options. Save by paying in full, setting up autopay or consistently paying on time.
Does Travelers offer insurance based on driving behavior?
Yes. IntelliDrive is Travelers’ telematics program, available to drivers in 42 states and Washington, D.C. The program monitors braking smoothness, acceleration, speed, phone use and time of day through a smartphone app over a 90-day period. Drivers who score well can earn a discount at renewal.
Unlike some telematics programs, IntelliDrive can result in a rate increase for drivers with poor driver behavior scores, so it’s best suited for drivers confident in their consistent habits.
Jerry helps you bundle home and auto for less in just minutes.
Filing a claim with Travelers
Travelers offers multiple ways to file a claim and manage its progress, with a well-rated digital experience for policyholders.
File online, by phone or through the app
Claims can be filed at travelers.com, through the Travelers mobile app or by calling 1-800-252-4633. The line is available 24/7 for new claim filing.
Work with a claims representative
After filing, Travelers assigns a representative to manage the claim. The company’s digital tools allow policyholders to track claim status, upload photos and communicate with their representative through the app or website.
Repair and rental
Travelers will provide a repair estimate and can connect you with preferred repair shops. If you have rental reimbursement coverage, Travelers will authorize a rental vehicle while your car is being repaired.
Settlement or payout
For total losses, Travelers settles based on actual cash value (ACV) unless you carry new car replacement coverage. Gap insurance may cover any remaining loan or lease balance above ACV.
Customer reviews of Travelers
Hundreds of Jerry customers have used and reviewed Travelers auto insurance, giving the company a strong overall score.
Is Travelers a good insurance company?
Travelers’ financial credentials are among the strongest of any other insurer we review. The A++ AM Best rating, low NAIC complaint index and deep coverage menu make a great case for drivers who want a stable national carrier with broad product options.
The claims picture is the issue. A below-average J.D. Power claims score and near-bottom regional Auto Insurance Study rankings in multiple markets suggest the experience of actually using Travelers after an accident doesn’t always match the quality of the brand. That’s a meaningful consideration at a price point that’s not cheap.
For most drivers with clean records and a priority on financial strength and coverage depth, Travelers is worth including in any comparison through Jerry.
See coverage options for your car.
How to contact Travelers
You can compare Travelers against other carriers and get a quote through Jerry. To manage an existing policy or file a claim, contact Travelers directly.
- Get a quote: 1-855-335-8715 or travelers.com
- Policy questions: 1-800-842-5075
- Claims (24/7): 1-800-252-4633
- Website: travelers.com
Related guides
FAQ
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What are the pros and cons of Travelers car insurance?
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Does Travelers file SR-22s?
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Does Travelers offer usage-based insurance?
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How do I file a claim with Travelers?
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What discounts does Travelers offer?
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Methodology
Statistics, rates and conclusions in this article are based on Jerry’s proprietary database of real-world car insurance quotes, not third-party models or estimates. As a licensed insurance broker in all 50 states, Jerry has firsthand visibility into how quotes are generated and validated, and all data is aggregated and anonymized to protect privacy. With millions of quotes delivered each year (often multiple offers per driver), our datasets are large enough to avoid bias toward any one region, insurer or driver type.
Unless otherwise indicated, quotes shown are from drivers with clean records in the last 12 months. Quotes involving accidents, violations or credit use the last 18 months to ensure a reliable sample.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyzes real customer ratings, regulatory data and industry reports to evaluate each insurer across the factors that matter most when shopping for and using auto insurance: claims handling, customer satisfaction, complaint volume, coverage breadth, cost and discounts, financial stability and direct customer feedback from Jerry shoppers.
To calculate our 2026 Jerry Score rating, we analyzed over 1,200,000 actual policy quotes for real Jerry customers last year, across 100+ different insurers. This was used alongside data from independent industry sources covering financial strength, claims handling, customer satisfaction and customer complaints to create a proprietary score for our top insurance companies.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date. Each factor rolls up into a weighted composite score on a 1 to 5 scale.
What we measure
- Claims and repair experience (16%)
- J.D. Power Auto Claims Satisfaction Study (5%)
- CRASH Network Insurer Report Card — collision repair professionals’ ratings of how well insurers’ practices support quality repairs (4%)
- J.D. Power U.S. Auto Insurance Study — regional customer satisfaction with policy experience (7%)
- Customer complaints (11%)
- NAIC Complaint Index — current complaint volume relative to industry average (8%)
- NAIC three-year trend — direction of complaint volume over time (3%)
- Cost and value (11%)
- Loss ratio — share of premium dollars paid out in claims, with scoring tuned to identify insurers in the healthy 65% to 78% middle ground (5%)
- Discount and program density — count of available discounts and savings programs (6%)
- Financial stability (15%)
- AM Best Financial Strength Rating (12%)
- AM Best Outlook (3%)
- Coverage and features (13%)
- Breadth of optional coverages, telematics programs and rider availability
- Customer experience (24%)
- Clearsurance peer reviews — aggregated policyholder ratings (10%)
- Mobile app — availability and average rating across iOS and Android (7%)
- Better Business Bureau rating (7%)
- Jerry customer reviews (10%)
- Direct feedback from Jerry customers who hold or have held a policy with that insurer
Insurers must have data coverage of at least 60% across these measures to receive a composite score.
Editorial integrity
We’re all about balanced, unbiased and helpful content at Jerry. None of our articles are sponsored by advertisers or insurance companies, so you can trust the information we provide. As a comparison platform that works with 100+ insurers, Jerry has no reason to favor one insurer over another. Our job is to help you find the best fit for your situation.
Jerry does earn a commission from insurers when you purchase a policy through our platform. This does not affect our editorial ratings or insurer assessments, though, which are determined independently by our insurance experts. Click to read more about Jerry’s data gathering and verification processes.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
