Travelers Auto Insurance Review

Let’s talk about car insurance.

You know you need it, but do you know if you have the best policy or the cheapest coverage?

Do you have enough or should you buy more?

When it comes to auto insurance, most drivers are left in the dark.

Consider us as your roadmap.

We’re here to get you from bad coverage to the golden auto insurance policy.

History of Travelers

Travelers insuranceTravelers isn’t new to the insurance game.

Their roots go back over 160 years, a long time to be selling insurance.

The company was initially established in 1864 when two men met in a post office to discuss their desire to provide accident insurance.

Another significant event in Travelers history was the founding of St. Paul Fire and Marine Insurance Company, which was created by Alexander Wilkin and 16 other businessmen in the area.

These men saw a need for an insurance company to help protect families from fires.

In 2004, the two companies came together to create the St. Paul Travelers Companies, Inc.

Three years later, the changed their name to The Travelers, Inc.

Travelers has been selling auto insurance since 1987, tweaking and perfecting their auto insurance for over a century.

And Travelers was innovative as the first company in the industry to offer this kind of coverage.

Since then, they have continued to revolutionize the insurance market.

Car Insurance from Travelers

Now, let’s look at Travelers Auto insurance policies.

Knowing where to begin with auto insurance can be daunting.

Below are some of the basic components of coverage you get with Travelers and most other basic auto insurance companies.

If you buy a policy, you’re going to get:

  • Liability Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Medical Payments Coverage
  • Personal Injury Protection
  • Collision Coverage
  • Comprehensive Coverage

This is the same coverage you’ll get with just about every other insurance carrier out there.

You can customize the amount of coverage for each portion depending on your needs.

Aside from the standard coverage, you can also add extra coverage to your plan.

Obviously, the more insurance you buy, the more expensive your plan is going to be.

Let’s look at the additional coverage you can buy:

All of these supplemental riders are a great way to beef up your coverage. For most people, the additional portions are not worth the cost, but you have to make those decisions based on your needs.

  • Accident Forgiveness – Travelers will “forgive” one accident every 36 months. If you have an accident, it’s not going to cause your rates to go up automatically.
  • Ride Sharing Protection – More and more people are starting to earn extra cash by signing up for ridesharing programs like Uber or Lyft. If you live in Colorado or Illinois (the only two states this coverage is currently offered in), you can get some extra protection for your ridesharing side hustle.
  • New Car Replacement – If your car is completely totaled, this will cover the price of getting a new car the same make and model of your vehicle.
  • Roadside Assistance – The name speaks for it all. If you’re stuck on the side of the road, this coverage will give you towing up to 15 miles and other simple assistance, like changing a flat tire, being locked out of your car, or running out of gas.
  • Rental Coverage – If you have to rent a car for more than a day because your car is stuck in the shop, this could help pay for those fees.
  • Loan/Lease Gap Insurance – If you’re leasing your vehicle, this additional coverage will fill in the gap of the value of your car and how much is left to pay for.


One of the selling points of an auto insurance plan from Travelers is the discounts they offer.

Even if they aren’t the automatic cheapest choice, all of the cuts could help you save a ton on your insurance coverage.

Here are some of the discounts they offer to their policyholders:

  • Multi-policy discount
  • Multi-car discount
  • Homeownership discount
  • Safe driver discount
  • Early quote discount
  • Hybrid/Electric vehicle discount
  • New car discount
  • Continuous insurance discount
  • And more

When you talk to a Travelers agent, you can ask them about any discounts you might qualify for.

Travelers has a couple of auto insurance plans, like their Responsible Driver Plans, which add coverage to the standard protection.

The Responsible Driver Plan adds the accident forgiveness and minor violation forgiveness.

The Premier version adds Decreasing Deductible (if you go 6 months without being in an accident or getting any tickets, then you can earn $50 on your deductible, and the deductible rewards range up to $500), plus a Total Loss Deductible Waiver (if your car is totaled, you won’t have to pay the deductible).

One exciting discount you could receive is based on their InteliDrive program. This is a 90-day program, and it could save you up to 20%.

All you have to do is sign up for the program, download the app on your phone, and Travelers will look at your driving habits to assess your rate.

They look at how much your drive, the times of day you drive, your speed, how hard you break, and how quickly you accelerate.

The flip side to the program is the potential increase if you’re an unsafe driver.

If you practice bad driving habits, there is a chance you’ll end up with higher premiums.

Other Insurance from Travelers

Auto insurance isn’t the only thing Travelers sells.

Through the years, they’ve added just about every kind of plan you can think of, becoming a one-stop-shop for insurance:

  • Homeowners
  • Renters
  • Landlord
  • Boat insurance
  • Condo Insurance
  • Umbrella
  • Jewelry
  • And more

As we mentioned earlier, Travelers has a multipolicy discount.

If you hold more than one plan, you’re going to save a little bit of cash on your plans.

Final Verdict on Travelers

Now that you know what the company offers, should you choose them?

It depends.

There are a lot of great things about Travelers insurance.

First, let’s talk about price.

Honestly, Travelers is not going to be the cheapest choice out there. In our experience working with customers, Travelers tends to be middle of the road when it comes to primary coverage.

The one caveat to this is the discounts.

Their higher than average rates don’t take into account all of the discounts, which could drastically decrease your premiums.

Due to those discounts, It’s difficult to say how much you’re going to pay and how they stack up to other carriers.

Bottom Line

Travelers auto insurance isn’t best for everyone.

Even with some of their discounts, they still tend to be more expensive.

But there are groups of people who could be perfect for Travelers.

If you have an electric car or a hybrid car, Travelers could be a good option for you.

With all of their discounts, you might find they have one of the cheapest plans out there.

And if you want more than just the basic plan, Travelers could be a great option for your insurance needs, with some seriously beefed coverage.

But if you just want barebones protection, we suggest going somewhere else.


Susan Wright, CLU, ChFC, RHU, REBC, ADPA, CITRMS, CIPA has been in the insurance and financial field for over 27 years. Even with years of experience, she continues to create new resources for others. Everything from books to training material.

Susan received her MBA from St. Louis University and her BA from Michigan State University.

She has worked in several areas but excels in writing material for both finances and insurance. Her goal is to give professionals credibility and assist in streamlining the sales process.

She has written countless articles for a variety of websites.

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