How do customers rate Travelers Companies, Inc.?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Travelers Insurance: Compare Ratings, Rates, Discounts & Coverages

If you’re looking for an insurance company with an established track record, look no further than Travelers Insurance. Travelers has been around for 160 years, and the company credits its longevity to its focus on its customers. Travelers is the second-largest writer of U.S. commercial property casualty insurance and the third-largest writer of U.S. personal insurance through independent agents. Travelers is incorporated in Minnesota, with a headquarters in New York City and its largest office in Hartford, Connecticut. Travelers also maintains a large office in St. Paul, Minnesota.

Travelers Insurance Quote

You can get a quote for Travelers and other insurance carriers through Answer Financial:

How much does Travelers car insurance cost?

Cost is an important factor to consider when shopping for car insurance. The price you will pay can vary based on the company you choose. There are a number of other factors that also determine your car insurance premium, including your age, marital status, credit score, where you live and the company you choose. In the graph below, you can see the average cost of Travelers car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple and senior driver.

The average Travelers car insurance rates for all four profiles are slightly higher than the national average cost of car insurance. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

Travelers car insurance rates

How much does Travelers homeowners insurance cost?

Homeowners insurance rates are also personalized because they’re based on factors including the location of your home, your home’s condition and age, the size and type of home, the crime rate in your area, your claim history and your credit score. In the graph below, you can see the average cost of Travelers homeowners insurance compared to the national average of homeowners insurance. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average Travelers homeowners insurance rates for both home profiles are both very close to the national average of homeowners insurance but are a little bit lower. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

Travelers home insurance rates

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What discounts does Travelers insurance offer?

It’s no secret that everyone wants to save money, and Travelers can help you do that. Travelers offers a variety of discounts on auto and home insurance.

Travelers auto insurance discounts:

  • Multi-Policy Discounts: You can save up to 13 percent on Travelers auto insurance when you also purchase Travelers home or condo insurance.
  • Multi-Car Discounts: When customers insure two or more vehicles with Travelers, they are eligible for a savings of up to 8 percent.
  • Home Ownership Discounts: If you own a home, regardless of where it is insured, you may be eligible for a discount of up to 5 percent from Travelers.
  • Safe Driver Discount: Travelers customers who go without accidents, violations or major comprehensive claims for three years can earn a discount of up to 10 percent. If that time period extends to five years, Travelers ups that discount to 23 percent.
  • Continuous Insurance Discount: Travelers rewards customers who have gone without a gap in insurance coverage with a discount of up to 15 percent.
  • Hybrid/Electric Vehicle Discount: Travelers offers discounts to customers who own or lease a hybrid car.
  • New Car Discount: Travelers customers who own a vehicle less than three years old may qualify for a discount of up to 10 percent. EFT, Paid in Full and Good Payer Discounts: Travelers customers can receive discounts ranging from 2 percent to 15 percent depending on how they choose to pay their premiums.
  • Early Quote Discount: New Travelers customers are eligible for a discount of up to 10 percent if they receive an auto quote before their current policy expires.
  • Good Student Discount: Students insured by Travelers who maintain an average of B or above may qualify for a discount of up to 8 percent.
  • Student Away at School Discount: Students who attend a school 100 miles or more from home, and who will not be driving could qualify for a 7 percent discount from Travelers.
  • Driver Training Discount: Young drivers who complete an approved driver education course could earn a discount of up to 8 percent from Travelers.

Additionally Travelers offers accident forgiveness through two programs: the Responsible Driver Plan and the Premier Responsible Driver Plan. Accident forgiveness programs cancel the increase in a policy holder's premium after an at-fault accident. Each of the plans offered does have an annual fee based on your age and driving record.

Travelers home insurance discounts:

  • Multi-Policy Discounts: You can save up to 15 percent on home insurance when you bundle your home and auto insurance with Travelers.
  • Home Buyer Discount: Travelers customers who have purchased their home in the 12 months prior to the effective date of their policy are eligible for a discount.
  • Loss-Free Discount: Customers who have not experienced a loss for a specified period of time are eligible for a discount from Travelers.
  • Protective Device Discount: If your home has protective devices such as smoke detectors, fire alarms, interior sprinkler systems, home security systems or smart home technology, you may be eligible for a discount from Travelers.
  • Green Home Discount: Travelers offers discounts of up to 5 percent if you have a home that’s been certified as a “green home” by the Leadership Energy and Environmental Design (LEED) organization.

What coverages does Travelers Companies, Inc. offer?

In addition to the standard car insurance coverage options offered, Travelers also offers optional car insurance coverage options that you can add to your Travelers car insurance policy. Optional add-on coverages from Travelers include:

Loan/Lease Gap Insurance: Travelers offers gap insurance, which covers the difference between the actual cash value of your car and the amount you owe on your lease or loan if your car is totaled.

Rental Coverage: Travelers offers rental coverage that can help you pay for the cost of a rental car or alternative transportation if your car is damaged by a covered loss and unable to be driven for more than 24 hours.

Roadside Assistance: Travelers roadside assistance offers you service in emergency situations such as a flat tire, running out of gas or a mechanical problem. Travelers offers two roadside assistance options: Basic Roadside Assistance and Premier Roadside Assistance. The premier options offers you more coverage for services than the basic option does.

New Car Replacement: Travelers’ offers Premier New Car Replacement coverage to give you extended coverage in case you total your new car in the first five years. This coverage pays for you to replace your car with a brand new one of the same make and model in that situation.

Accident Forgiveness: With accident forgiveness, your Travelers car insurance premium won’t be affected if you have an accident or minor violation.

Ridesharing Insurance: Do you drive for a ridesharing company like Uber or Lyft? Travelers offers a limited ridesharing coverage endorsement to extend your car insurance coverage to include while you’re on the job after you open the app but before you connect with a passenger. Travelers ridesharing insurance endorsement is only available in Colorado and Illinois.

Travelers Insurance offers many optional homeowners insurance coverage options that you can add to your homeowners insurance policy for added protection in addition to your standard coverage. Optional homeowners insurance coverage offered by Travelers includes:

Special Personal Property Coverage: If you want added coverage for your personal property, Travelers offers this coverage. It provides broader protection if you experience a covered loss.

Contents Replacement Cost: This coverage options gives you coverage for the replacement cost of personal property with no deductible and depreciation has no effect on it.

Additional Replacement Cost Protection Coverage: Travelers offers this coverage to offer you additional coverage for repairing or rebuilding your home if your dwelling coverage on your homeowners insurance policy is not enough.

Jewelry and Valuable Items: Travelers’ Valuable Items Plus Coverage protects your personal valuable items like jewelry, silverware and more.

Personal Articles Floater: Travelers offers a personal articles floater as a separate valuable items policy made for extra coverage or higher coverage limits for certain high-valued items.

Water Backup and Sump Pump Discharge or Overflow: Your home could experience water damage caused by water backup through your drains or sewer or from your sump pump overflowing. Homeowners insurance doesn’t cover this type of water damage so to receive coverage for it, Travelers offers this coverage that you can add to your policy.

Identity Fraud: Add identity fraud expense reimbursement coverage to your Travelers homeowners insurance policy to receive protection up to $25,000 to help cover expenses to restore your identity.

Green Home Coverage: Travelers’ green home coverage gives you coverage to repair or replace with more eco-friendly materials if you experience a covered loss.

Travelers Insurance FAQs

What type of insurance is Travelers Insurance?

Travelers is a property and casualty insurance company that offers home, car, renters, condo, boat and yacht, landlord, umbrella, jewelry and valuables, wedding and event and travel insurance. Travelers also offers business insurance to a wide range of business industries.

How old is Travelers Insurance Company?

Travelers Insurance Company has been around for more than 160 years. Travelers sold its first insurance policy in 1864.

Does Travelers offer life insurance?

Travelers doesn’t offer life insurance. Travelers offers many personal property and casualty lines of insurance as well as business insurance coverage.

More about Travelers insurance

Travelers website is a great place to learn more about the company’s offerings. The site lets Travelers policyholders pay bills, enroll in automatic payments, view or print auto insurance cards, view policy and billing information, report a claim and more.

Travelers also offers a mobile app that offers direct access to everything Travelers has to offer through your smartphone. With the Travelers mobile app, policyholders can view and download Travelers ID cards, make payments, enroll in or manage an automatic payment plan, report a claim to Travelers, get roadside assistance, contact a claim professional and more.

The Travelers Affinity Car & Home Program offers discounts to employees and members of participating groups. If you are an employee or member of one of Travelers participating employer, credit union or association groups, you could be eligible for special program savings. Travelers does not offer these discounts to the general public.

Travelers also offers an IntelliDrive Program, a 90-day program that offers discounts to Travelers customers based on their driving habits. Users install a smartphone app that captures driving behavior, and then scores users based on their driving habits, such as the time of day they tend to drive, as well as speed, acceleration and braking. Safe drivers could receive a discount of up to 20 percent from Travelers, while riskier drivers could be charged a higher premium. You can read more about the program in our Travelers IntelliDrive review.

What states does Travelers Companies, Inc. do business in?

Travelers Companies, Inc. sells car insurance in 46 states and Washington, D.C., homeowners insurance in 49 states and Washington, D.C. and renters insurance in 42 states and Washington, D.C.. See the state Travelers Companies, Inc. sells in below and click the link to see how Travelers Companies, Inc. compares to the other top companies in that state.

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