Travelers auto insurance review and ratings 2026

Travelers is the top-ranked national insurer in Insure.com’s 2026 Best Car Insurance Companies survey, earning high marks for customer satisfaction, ease of service, comprehensive policy options, and competitive premiums. With an A++ financial strength rating from AM Best and strong digital tools, Travelers offers reliable protection and value for drivers who want affordable, flexible coverage from a trusted national carrier.

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Our take

Travelers is No. 1 among national carriers in our ranking of the Best Car Insurance Companies for 2026, with a rating of 4.55 stars out of 5. Travelers received an A++ credit rating for financial stability from AM Best. 

Travelers stands out as one of the top-performing national auto insurers for 2026, ranking No. 1 in Insure.com’s Best Car Insurance Companies survey. With consistently high scores for customer satisfaction, policy offerings and digital experience, Travelers delivers substantial value for drivers who want reliable coverage and a smooth customer experience.

Backed by an A++ (Superior) financial strength rating from AM Best and competitive premiums averaging $175 per month for full coverage, Travelers offers affordability without sacrificing quality. 

The company’s diverse range of coverage options, accessible online tools, and independent agent network make it an excellent choice for drivers who prioritize both convenience and confidence in their insurer.

Keep reading for a breakdown of the ratings for the Travelers for the 2026 Insure.com Best Auto Insurance Companies survey.

How we calculated this rating

Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.

Travelers rankings

1
Travelers
4.55 Insure.com Score
Average Premium
$175 per month
Customer Survey
NAIC
AM Best Rating
A++
Effective date:
Pros and cons
Pros:
  • Cheap rates: Travelers has the third-cheapest rates among national carriers after American Family and Auto-Owners.
  • High customer satisfaction ratings from customers.
Cons:
  • Policyholders say it’s not the best company for teens and young drivers.

Who should buy Travelers insurance?

Travelers is a good choice for you if:

  • You prefer managing your policy online
  • You want an affordable policy
  • Policy offerings are really important to you

It might not be the best choice if:

  • You have teen, college student or young adult drivers

Our agents make it hassle-free to get the right quote.

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Travelers auto insurance cost: Coverage and competitor comparison

Travelers has one of the lowest monthly premiums when compared to its competitors at $175 per month for full coverage. Erie, American Family and Auto-Owners have cheaper premiums, but the difference amounts to $10 or so. 

The table below displays the monthly premiums for full coverage from the carriers included in our 2026 survey.

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How Travelers scores for customer satisfaction, ease of service and policy offerings

Travelers’ customers are really happy – the company received the top score for customer satisfaction out of all national carriers in this year’s survey, at 89%. This number represented a 14% increase over last year’s customer satisfaction rate. Competitors like Nationwide and Allstate also scored well, but not as highly as Travelers.

When it comes to how easily policyholders can access services and policy documents, Travelers’ customers again gave it high marks, scoring 89. While this wasn’t the highest score, it was a solid showing.

When it comes to its policy offerings, Travelers was the top overall company (tied with Erie) and the top national carrier, scoring 92%.

CompanyCustomer satisfactionEase of servicePolicy offerings
Travelers89%89%92%
Allstate83%90%81%
Nationwide88%87%85%
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How Travelers scores on customer recommendations, trust and renewals

Most of Travelers’ customers – 86% – said they’d recommend the company, and this is one point lower than average in this category. 

When it comes to trustworthiness – a metric that typically challenges insurance companies – Travelers scores high marks with a score of 93%. All companies scored in the 80th to 90th percentile in this category.

Most customers said they would renew their policies with Travelers. Although not one of the highest scores, it was only two percentage points below the national carrier category winners, Nationwide and Farmers, with a score of 94%.

CompanyRecommended by customersTrustworthinessRenewal rate
Travelers86%93%92%
Allstate89%90%93%
Nationwide88%94%94%
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How Travelers scores for claims handling, digital experience, auto and home bundling and discounts

Travelers earned the top national carrier scores in both the claims handling and digital experience categories. While its scores for discounts and bundling aren’t as high, most insurers scored in the 50th or 60th percentile in the discounts category and in the 60th to 80th percentile in the bundling category.

CompanyClaims handlingDigital experienceDiscountsAuto and home bundling
Travelers82%87%59%79%
Allstate78%84%69%85%
Nationwide81%84%56%72%
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Types of car insurance coverages offered by Travelers

Travelers offers the following auto insurance coverages, though availability varies by state.

  • Liability coverage:  It pays for damages you cause in an at-fault accident and may provide legal defense if someone sues you.
  • Collision coverage: It pays for damage if your car collides with another car or object.
  • Comprehensive coverage: It protects against natural disasters, theft and vandalism.
  • Personal injury protection (PIP insurance): It covers medical expenses and lost wages.
  • Medical payments coverage:  It helps pay for your and your passengers’ medical bills after an accident.  
  • Uninsured/underinsured motorist coverage: Covers your injuries and damages if you’re hit by a driver who has no insurance or not enough insurance to pay for the losses.
  • Loan/lease gap insurance: Pays the difference between your car’s actual cash value and what you still owe on your loan or lease if the vehicle is totaled.
  • Rental coverage: It helps pay for a rental car while your vehicle is being repaired after a covered accident.
  • Roadside assistance provides help for common breakdown issues, such as towing, dead batteries, flat tires or lockouts.
  • New car replacement: Replaces your totaled new car with a brand-new one of the same make and model.
  • Accident forgiveness: It’s part of Travelers’ Responsible Driver Plan and forgives one accident within a set period, helping you avoid a premium increase.
  • Limited ride-sharing coverage: It offers limited coverage to drivers who use their vehicles for ride-sharing activities.
  • Named non-owner insurance: It provides liability coverage for people who don’t own a car but occasionally drive vehicles they don’t own.
  • Umbrella: Offers extra liability protection beyond your auto and home insurance limits to cover major claims or lawsuits.

Travelers auto insurance discounts

Here’s how you can lower your car insurance rates with Travelers auto insurance discounts:

  • Multi-policy discount:  You can get a discount when you bundle multiple insurance policies.
  • Multicar discounts: Insuring two or more cars on a Travelers policy may qualify you for this discount. Not available in California.
  • Homeownership discount: You may qualify if you own a home or condo. It’s not available in California.
  • Continuous insurance discount:  Policyholders who’ve maintained continuous auto insurance with Travelers, without any coverage gaps, may qualify for a discount. Not available in California.
  • Hybrid/electric car insurance discount: You can save on premiums with this discount if you own or lease a hybrid car.
  • New car discount: You may qualify if your car is less than three years old. It’s not available in California.
  • EFT, pay-in-full and good payer discounts: Varies from state to state. Electronic funds transfer is not available in California. Good payer discounts are not available in Maryland, New York, and Washington.
  • Early quote discount: The discount amount varies by state and is not available in California.
  • Good student discount: Available to full-time and home-schooled students who maintain a B average or rank in the top 20% of their class.
  • Student away at school discount: You may qualify if a student under 25 added to your policy lives more than 100 miles from home and doesn’t regularly drive the car.
  • Driver training discount: It varies by state and is offered to those who complete a driver education course.
  • Safe Driver Discount: The discount varies by state and isn’t available in California or New York.
  • New car replacement: Travelers’ Premier New Car Replacement replaces your totaled new car with a brand-new one of the same make and model.
  • IntelliDrive:  Once enrolled, your safe driving habits could qualify you for savings of up to 30%. It’s available in 29 states nationwide.

States where Travelers offers coverage

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Table

States where Travelers offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Wyoming
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AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Available
Not available

Note: Availability of Travelers products may vary by state and channel. In some states, certain products cannot be purchased separately. In other areas, not limited to California, you can purchase the products through local independent agents. 

Company overview: Travelers at a glance

Travelers

The Travelers Companies traces its origins to the mid-1800s, beginning with St. Paul Fire and Marine Insurance Company (founded in 1853) and The Travelers Insurance Company in Hartford (established in 1864).

Now one of the largest property-and-casualty insurers in the country, Travelers distributes its products primarily through a broad national network of thousands of independent agents and brokers.

The company is recognized for its strong underwriting discipline, stable financial performance, and diversified business mix across personal, business, and specialty insurance, consistently generating billions in annual revenue while maintaining solid financial strength ratings.

Contact: Call 1-800-252-4633 or visit MyTravelers.com.

Resources & Methodology

Methodology

In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services for a hypothetical 40-year-old driver with a clean driving record, good credit score, 12-mile daily commute and full coverage policy on a Honda Accord LX with liability limits of 100/300/100.

With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40%
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Laura Longero
Executive Editor

 
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Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.

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