UPDATED: Sep 24, 2020
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|Key Info||Provider Specifics|
|Current executives||Chairman & CEO - Alan Schnitzer|
Executive VP & CFO - Dan Frey
|Number of employees||30,000|
|30.2 Billion (2018)|
$104.2 Billion (2018)
|Headquarters Address||485 Lexington Ave 8th fl|
New York, NY 10017
|Best For||Value car insurance, range of policy |
options & features
Travelers is more than a household name in the insurance industry. In fact, its roots date back to 1864, and since then, it continues to establish itself among the top providers in the insurance industry. While longevity doesn’t always determine a company’s strength, it does say a lot for an organization that is able to withstand the tests of time.
That being said, is Travelers a good company? Our Travelers auto insurance review will cover everything you need to know about their rates, coverage, and more. Does travelers have auto insurance? Yes!
Don’t worry, we’ll also do some digging about Travelers in this guide. We’ll explore ratings from the best in the business to see how Travelers is doing financially and strength-wise.
That being said, find a nice space to kick back and read as we take you on a journey that you don’t want to miss (feel free to enter your ZIP code at any time to find rates).
Travelers: Cheap Car Insurance Rates
Now that we’ve found Travelers to be a reputable company both inside and out, it’s time to consider what many individuals find themselves wondering — how are Travelers’ rates?
We get it. It’s easy to be swarmed by multiple rates from different directions. That’s why we took the liberty of diving deep into Travelers rates to see if it’s really worth the hype. We’ll be bringing you information from Quadrant.
We’ll also look at rates by commute and driving record, for example.
Let’s get to it.
What is Travelers availability & rates by state?
Below is a data table for the average Travelers rate in each state. Keep in mind that Travelers is not available in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Carolina, West Virginia, and Wyoming.Travelers Auto Insurance Annual Rates vs. State Average
|State||State Average||Travelers Annual Premium||Higher/Lower Than State Average||Higher/Lower Percent Than State Average|
|Virginia||$2,357.87||Data Not Available||-||-%|
|Hawaii||$2,555.64||Data Not Available||-||-%|
|West Virginia||$2,595.36||Data Not Available||-||-%|
|Washington||$3,059.32||Data Not Available||-||-%|
|New Hampshire||$3,151.77||Data Not Available||-||-%|
|Wyoming||$3,200.08||Data Not Available||-||-%|
|Montana||$3,220.84||Data Not Available||-||-%|
|Vermont||$3,234.13||Data Not Available||-||-%|
|Nebraska||$3,283.68||Data Not Available||-||-%|
|Missouri||$3,328.93||Data Not Available||-||-%|
|Alaska||$3,421.51||Data Not Available||-||-%|
|New Mexico||$3,463.64||Data Not Available||-||-%|
|Wisconsin||$3,606.06||Data Not Available||-||-%|
|Utah||$3,611.89||Data Not Available||-||-%|
|South Carolina||$3,781.14||Data Not Available||-||-%|
|Colorado||$3,876.39||Data Not Available||-||-%|
|South Dakota||$3,982.27||Data Not Available||-||-%|
|Texas||$4,043.28||Data Not Available||-||-%|
|Oklahoma||$4,142.33||Data Not Available||-||-%|
|North Dakota||$4,165.84||Data Not Available||-||-%|
|Minnesota||$4,403.25||Data Not Available||-||-%|
|District of Columbia||$4,439.24||Data Not Available||-||-|
|Maryland||$4,582.70||Data Not Available||-||-%|
|Florida||$4,680.46||Data Not Available||-||-%|
|Georgia||$4,966.83||Data Not Available||-||-%|
|Louisiana||$5,711.34||Data Not Available||-||-|
Which state proves that Travelers is the most expensive? That would be Pennsylvania. There, Travelers cost 94 percent more than the average company. Yikes.
What about the least expensive? That would be Delaware. There, Travelers’ rates are 30 percent less than the average rates for car insurance.
Overall, compared to state averages, it’s either hit or miss when it comes to Travelers’ rates.
How does Travelers compare with the top 10 companies by market share?
Who are the top 5 insurance companies? We’ll do one better! We’ve got the top 10. Now that we see that Travelers prices can go either way on the spectrum — in some cases high, in some cases low — let’s take a look at how its rates stack up against other providers.
|State||Allstate||American Family||Farmers||Geico||Liberty Mutual||Nationwide||Progressive||State Farm||Travelers||USAA|
|Alabama||$3,311.52||Data Not Available||$4,185.80||$2,866.60||$4,005.48||$2,662.66||$4,450.52||$4,798.15||$3,697.80||$2,124.09|
|Arkansas||$5,150.03||Data Not Available||$4,257.87||$3,484.63||Data Not Available||$3,861.79||$5,312.09||$2,789.03||$5,973.33||$2,171.06|
|Arizona||$4,904.10||Data Not Available||$5,000.08||$2,264.71||Data Not Available||$3,496.08||$3,577.50||$4,756.25||$3,084.74||$3,084.29|
|California||$4,532.96||Data Not Available||$4,998.78||$2,885.65||$3,034.42||$4,653.19||$2,849.67||$4,202.28||$3,349.54||$2,693.87|
|Connecticut||$5,831.60||Data Not Available||Data Not Available||$3,073.66||$7,282.87||$3,672.34||$4,920.35||$2,976.24||$6,004.29||$3,190.00|
|Delaware||$6,316.06||Data Not Available||Data Not Available||$3,727.29||$18,360.02||$4,330.21||$4,181.83||$4,466.85||$4,182.36||$2,325.98|
|Idaho||$4,088.76||$3,728.79||$3,168.28||$2,770.68||$2,301.51||$3,032.19||Data Not Available||$1,867.96||$3,226.29||$1,877.61|
|Indiana||$3,978.81||$3,679.68||$3,437.55||$2,261.07||$5,781.35||Data Not Available||$3,898.00||$2,408.94||$3,393.75||$1,630.86|
|Kentucky||$7,143.92||Data Not Available||Data Not Available||$4,633.59||$5,930.97||$5,503.23||$5,547.63||$3,354.32||$6,551.68||$2,897.89|
|Maine||$3,675.59||Data Not Available||$2,770.15||$2,823.05||$4,331.39||Data Not Available||$3,643.59||$2,198.68||$2,252.97||$1,930.79|
|Massachusetts||$2,708.53||Data Not Available||Data Not Available||$1,510.17||$4,339.35||Data Not Available||$3,835.11||$1,361.86||$3,537.94||$1,458.99|
|Michigan||$22,902.59||Data Not Available||$8,503.60||$6,430.11||$20,000.04||$6,327.38||$5,364.55||$12,565.52||$8,773.97||$3,620.00|
|Mississippi||$4,942.11||Data Not Available||Data Not Available||$4,087.21||$4,455.94||$2,756.53||$4,308.85||$2,980.48||$3,729.32||$2,056.13|
|North Carolina||$7,190.43||Data Not Available||Data Not Available||$2,936.69||$2,182.71||$2,848.03||$2,382.61||$3,078.65||$3,132.66||Data Not Available|
|New Jersey||$5,713.58||Data Not Available||$7,617.00||$2,754.94||$6,766.62||Data Not Available||$3,972.72||$7,527.16||$4,254.49||Data Not Available|
|New York||$4,740.97||Data Not Available||Data Not Available||$2,428.24||$6,540.73||$4,012.93||$3,771.15||$4,484.58||$4,578.79||$3,761.69|
|Pennsylvania||$3,984.12||Data Not Available||Data Not Available||$2,605.22||$6,055.20||$2,800.37||$4,451.00||$2,744.23||$7,842.47||$1,793.37|
|Rhode Island||$4,959.45||Data Not Available||Data Not Available||$5,602.63||$6,184.12||$4,409.63||$5,231.09||$2,406.51||$6,909.45||$4,323.98|
|Tennessee||$4,828.85||Data Not Available||$3,430.07||$3,283.42||$6,206.69||$3,424.96||$3,656.91||$2,639.30||$2,738.52||$2,739.28|
Travelers’ rates vary from state to state. It’s the lowest rate in the state of Maine, for instance at $2,252.97. There, Travelers is the third-cheapest provider at its cheapest rate behind USAA auto insurance and State Farm auto insurance, respectively.
Be sure to check your state to see how Travelers stacks up with the rest of the competition.
What is the average Travelers male vs female car insurance rates?
Now we’re going to dive into rates regarding male and female demographics. Keep in mind that in states like California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and parts of Michigan, it is illegal to discriminate against gender for car insurance rates.
|Age and Marital Status||Travelers Average Auto Insurance Rates|
|Married 60-year-old female||$2,051.98/year|
|Married 60-year-old male||$2,074.41/year|
|Married 35-year-old female||$2,178.66/year|
|Married 35-year-old male||$2,199.51/year|
|Single 25-year-old female||$2,325.25/year|
|Single 25-year-old male||$2,491.21/year|
|Single 17-year-old female||$9,307.32/year|
|Single 17-year-old male||$12,850.91/year|
Overall, in regards to Travelers, male rates tend to be higher than female rates. Males tend to get into more accidents than females, and insurance companies factor this in when assessing rates.
It’s also worthy to note that as the age increases for male and female drivers, car insurance rates decrease.
Married, 60-year-old males and females pay the cheapest rates at $2,074.41 and $2,051.98, respectively. This is a major jump from the 17-year-old demographic where males and females pay $12,850.91 and $9,307.32, respectively.
Even with Travelers, we see higher rates for teens and cheaper rates than older drivers. This emphasizes the statistics that younger drivers tend to get into many accidents due to inexperience, while older drivers are less of a liability as they tend to drive less.
What are the average Travelers rates by make & model?
Sometimes having a specific type of car, like a newer model or popular make, for instance, can drive up premium costs.
Let’s see how Travelers fares for these household automobiles.
|Vehicle Make and Model||Travelers Average Auto Insurance Rates|
|2015 Ford F-150:|
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
|2015 Toyota RAV4: XLE||$4,383.78/year|
|2018 Ford F-150:|
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
|2015 Honda Civic Sedan:|
LX with 2.0L 4cyl and CVT
|2018 Honda Civic Sedan:|
LX with 2.0L 4cyl and CVT
|2018 Toyota RAV4: XLE||$4,708.19/year|
As you can see, Travelers rates do vary by car types. Just look at the least and most expensive cars — there’s a difference of nearly $700. Choosing wisely when it comes to your make and model can spare your pockets — something to definitely keep in mind.
What are Travelers rates for commuting?
Now let’s consider commute rates. Is your commute on the longer side? Or is it shorter? Some companies charge more if you have a longer commute. Let’s see how Travelers’ rates fare when it comes to commute time.
|Distance||Travelers Average Auto Insurance Rates|
6,000 annual mileage
12,000 annual mileage
Travelers does spike up its rates to a minimal degree for longer commute rates, about $70 annually. Not that bad — it’s still worth shopping around to see how other insurance providers fare.
What are Travelers rates based on coverage levels?
Sometimes increasing your coverage levels could cost you a pretty penny. But is that the case for Travelers?
Let’s take a quick look.
|Coverage Level||Travelers Average Auto Insurance Rates|
There’s nearly a $400 annual difference to go from low coverage to high coverage. Roughly $33 a month seems pretty feasible, especially as you’d want to be covered as much as possible. This is not bad compared to other companies that charge hundreds, and sometimes thousands, for coverage expansion.
Since, however, Travelers tend to have higher rates, it is worth comparing around in regards to your potential savings.
What are Travelers rates based on credit history?
Credit rates are another way that insurance companies gauge if you’re a liability. Do you have a high insurance score? Depending on how high or low your credit score is, you might pay higher rates, or even catch a break.
The average FICO® Score in the United States hit a record high of 703 in 2019, according to Experian data.
Let’s keep this in mind as we take a look at the rates for Travelers according to credit history.
|Credit History||Travelers Average Auto Insurance Rates|
Most Americans would fall into the “good” credit bracket — good news as there you find the cheapest rates for Travelers at $4,058.97.
What are Travelers rates based on driving record?
How much does your insurance go up after an accident with Travelers? Keeping a clean record goes a long way, especially as insurance companies tend to provide lower rates if you’re record isn’t littered with speeding tickets, DUIs, and accidents. Overall, accidents do happen. Let’s look at this sobering chart to see how Travelers handles these matters.
|Driving Record||Travelers Average Auto Insurance Rates|
|With 1 Speeding Violation||$4,260.80/year|
|With 1 Accident||$4,289.74/year|
|With 1 DUI||$5,741.40/year|
Looking at the table, we see that Travelers charges over $2,000 when you go from a clean record to being caught driving under the influence.
In this case, it pays to be safe — literally. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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Car Insurance Coverages Offered
As we have found, Travelers doesn’t tend to be the cheapest company in the bunch. Even at its lowest rates, it is beat by several competitors.
You’ve probably asked yourself — what type of programs do insurance companies offer? We know that’s one of the top factors, besides price, that determines if an insurance company meets your needs.
That’s why we’ve included this section, to get an in-depth view of Travelers programs and see if they are worth it. We’ll also be looking at how to get the best rate with Travelers.
So stay with us as we take another dive into the world of Travelers.
Types of Coverages
Travelers offers an array of products and services to meet both individual and business needs.
For individuals, Travelers offers the following types of automobile coverage:
- Liability Coverage — covers injuries or property damage in the event of an accident
- Comprehensive Coverage — covers other damages to vehicles like theft, vandalism, or natural disasters (earthquakes, fire, etc.)
- Collision Coverage — covers damage to your vehicle if it hits another car or object, gets involved in a collision or rolls over
- Personal Injury Protection (or PIP) — available in certain states, pays medical expenses and wages (in some cases) regardless of the person at fault
- Uninsured/Underinsured Motorist Coverage — can help pay medical costs and damages in incidents where a person doesn’t have insurance or doesn’t have adequate insurance
- Medical Payments Coverage — covers medical expenses in a collision, regardless of which person is at fault
Along with these types of coverages, Travelers offers the following add-ons:
- Loan/Lease Gap Insurance
- Rental Coverage
- Roadside Assistance
- New Car Replacement
- Accident Forgiveness
- Ride Sharing
- Umbrella Insurance
- Travelers Home Insurance
While Travelers isn’t quite the cheapest provider on the block, offering an array of coverages helps offset the gap for customers.
Company’s Bundling Options
With Travelers, you can also have through bundling. Bundling is when you buy multiple types of coverage from a specific carrier. Through Travelers, you can bundle and save through the following ways:
- Auto & Home
- Auto & Condo
- Auto & Renters
Bundling is a great option if you want to save, especially seeing how Travelers isn’t first up for the cheapest rates among other providers.
Who doesn’t love a discount? Discounts can be incentives and what attracts potential customers to invest in the products and services of an insurance company.
Here are the discounts and percentages saved from Travelers insurance:
|Travelers' Discounts||Percentage Saved|
|Anti-lock Brakes||Consult with agent|
|Anti-Theft||Consult with agent|
|Daytime Running Lights||Consult with agent|
|Further Education||Consult with agent|
|Garaging/Storing||Consult with agent|
|Low Mileage||Consult with agent|
|Membership/Group||Consult with agent|
|Occupation||Consult with agent|
|On Time Payments||15%|
|Passive Restraint||Consult with agent|
|Vehicle Recovery||Consult with agent|
|VIN Etching||Consult with agent|
Travelers discounts totals 28 — compared to the highest discounts offered at 38 (by both MetLife and Liberty Mutual), that’s a handful amount of discounts that Travelers offers its customers.
What Stands Out, What’s Missing
The bad? Travelers may not be the cheapest insurance when it comes to the top providers. The good? They do offer an array of auto programs and numerous discounts compared to other providers. Just by being a safe driver alone, you could save up to 23 percent on your auto insurance policy.
Be sure to check out Travelers’ discounts and programs to check your eligibility and saving potential.
Travelers: Car Insurance Ratings
Travelers is one of the most common household names in the insurance industry to date. This company has proven itself in the insurance industry by being one of the top leaders in numbers and innovation. These things say a lot about the powerhouse company.
But there are other ways to measure how well a company is doing. In fact, we can discover the strength and wellbeing of a company through ratings.
Whether measured by numbers or letters, ratings can give insight to an organization’s financial strength and esteem. They can also make it easier for customers to compare the performance of various organizations and can help answer the questions of which organization is leading and falling short and in what areas.
The chart below shows just how Travelers was graded as an organization by some of the leading risk-assessing organizations.
|A.M. Best||A++ (Superior)|
|Better Business Bureau||A+|
|NAIC Complaint Index||0.6|
|J.D. Power||3-About average|
Let’s break this down a bit.
A.M. Best is a global credit rating agency that determines a company’s financial strength and creditworthiness, as well as accountability to policyholders. Travelers received an “A+” from A.M. Best. What this means is that Travelers is considered as “superior” in meeting their insurance obligations.
Better Business Bureau (BBB)
The Better Business Bureau is dedicated to helping individuals “find businesses they can trust.” The BBB rates organizations based on information that it is able to obtain about the business, including complaints from the public.
BBB has its highest rating at “A+,” and it’s the lowest rating as “F.” From BBB, Travelers obtained a grade of “A+.” Grade “A+” represents the range 97-100, with 100 being the highest.
These are great ratings for the insurance guru.
Moody’s, a bond credit rating business, seeks to determine the future creditworthiness of securities.
Moody’s gave Travelers the rating “A2” — while “A” represents superior financial strength, numbers represent categories or class, with three being the lowest. That said, Travelers basically earned the third-highest of the 21 financial ratings.
Additional strengths include its long-established track record of core profitability, its high-quality investment portfolio and strong internal liquidity, and its solid risk-adjusted capitalization and excellent financial flexibility.
And while Moody’s notated several weaknesses, including “long-tail casualty lines such as workers’ compensation” and “general liability”, for instance, it is very telling for the credit-rating organization to give out such a high rating to the Travelers establishment.
Standard & Poor’s (S&P) Rating
S&P is the world’s leading provider of credit ratings. Ratings range from “AAA,” that is, “extremely strong capacity to meet financial commitments” to “D,” meaning “payment default on a financial commitment or breach of an imputed promise.”
Travelers were rated an “AA” from S&P, only one classification removed from the top performance “AAA.”
S&P has this to say about Travelers rating: “An obligation rated ‘AA’ differs from the highest-rated obligations only to a small degree. The obligor’s capacity to meet its financial commitments on the obligation is very strong.”
Knowing that an organization’s commitments to its obligations are “very strong” highlights the stability of the company’s ability to perform.
NAIC Complaint Index
Getting a sense of an organization’s financial and institutional strength is one thing, but knowing what your fellow peers have said about their personal experience is as equally important.
The National Association of Insurance Commissioners (NAIC) publishes complaint data on organizations every year.
Let’s dive deeper.
|Private Passenger Policies||2016||2017||2018|
|Complaint Index (Better or worse than national index)||1.98 (worse)||3.95 (worse)||6.37 (worse)|
|National Complaint Index||0.78||1.2||1.15|
From the chart, we see that Travelers has a high complaint ratio that is increasing over the years, though its complaints are minimal.
J.D. Power, a worldwide pioneer in consumer insights, advisory services, and information and investigation, recently conducted a survey in 2019 based on insurance customers who settled a claim in the past six months. From 11,186 responses, Travelers scored a three out of five for overall customer satisfaction. Customer claims, a subsidiary of the overall score, also received a three out of five.
Travelers, then, is “about average” for handling its claims.
Canceling Your Car Insurance Policy
So perhaps after evaluating the types of services and programs Travelers offers, you might decide that you want to explore other options.
We get it.
We also get those changing providers could be an unnecessary hassle that leaves you in frustration — this is why we’re here. We’re going to look at how to cancel your policy with Travelers and answer a couple of questions regarding cancellation fees and when you can cancel.
Stay with us.
Is there a cancellation fee?
Some companies make cancellation processes easy on their customers, while others seem to make individuals jump through numerous hoops before they can call it quits. But what about Travelers?
Travelers does not state that there is a cancellation free when it comes to terminating your policy. This is good news, as some insurance carriers penalize customers for canceling.
Is there a refund?
Just like Travelers doesn’t get technical about a cancellation fee, they also don’t seem to address having a refund. In general, if you cancel your policy before your term, you are obligated to get refunded for any unused policy. Thus, Travelers should provide a refund if you cancel early and have unused coverage.
How do you cancel?
Knowing what we now know about Travelers’ cancellation policy, you may be ready to cancel. Keep reading for instructions on how to terminate your policy with Travelers.
Step #1 Have a Replacement Insurance Provider
Chances are if you’re ready to cancel, you may have had your eye on a new provider. Or, perhaps you feel like you know enough to make a decision on canceling. Either way, you must have a new insurance provider already set up before you terminate your contract with Travelers. Without having a replacement provider, you’d have a gap in your insurance coverage, and you need to show Travelers proof that you’re covered elsewhere.
So before you proceed to Step 2, if you haven’t already, do your diligent research and see what other programs and services other providers are offering that might be suitable for you and your family.
Step #2 Contact Travelers
Now that you have your replacement insurance, it’s time to contact Travelers. You can do this in several ways:
- Use the Travelers insurance phone number at 1-866-336-2077
- Stop by a local office to see an agent
- Reach out and write an agent through Travelers website
While writing an agent may be more convenient, it may actually be wise to speak to someone. So stopping by a local office or talking to a representative might be your best bet.
Step #3 Get Confirmation
You did it. You’ve found a new provider, and you’ve canceled your policy with Travelers. Just one second — before you go, get confirmation. It’s always important to make sure you have a record of your cancellation.
And that’s it, you’re all set.
When can I cancel?
Travelers’ billing department is open 24/7, 365 days a week. So if there’s anything pertaining to your policy, like cancellation, for instance, you are free to cancel anytime. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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How to Make a Car Insurance Claim
Accidents happen every day, so you’ll want to be prepared in case one happens to you. We understand that making a claim can seem like a hassle when your mind is still swarming from the mayhem of a collision.
That’s why we’re here. In this section, we’ll discuss how to make a claim if you’re going with Travelers, as well as getting into some logistics of how they’ve been handling claims as an organization. This is extremely important, especially if you’re considering investing your dollars into Travelers.
Let’s get down to business then.
How easy is making a Travelers insurance claim?
So how easy is making a claim with Travelers?
On the Travelers website, one of the primary tabs is called the “Claim Center.” There, you can find many resources about claims, as well as the option to file a claim online.
Travelers also gives you the option to file a claim by phone. Simply call 1-800-252-4633 to file a claim with a representative. Hours of operation are 24/7 for all 365 days of the year, so you’ll always be able to get in touch with a representative.
Keep in mind that you can always file a claim in person by locating Travelers near you.
How much premiums are written by Travelers?
Another great way of evaluating the esteem of an organization is to look at how it fulfills its claims. We can do this by examining the consistency of the total premiums paid.
When we’re talking about premiums written, we’re seeing how capable a company is of paying its claims.
A high number of claims written means the company is capable of meeting the demands of its customers. If, however, a company has few premiums but a lot of claims, it will have to increase its rates in order to pay its debts.
With that being said, let’s take a look at the premiums written for Travelers.
|Year||Direct Premiums Written|
As you can see, Travelers has done a good job of increasing its premiums written over the past several years. This means they are in a healthy position to meet the demands of their customers.
What is the loss ratio of Travelers?
Now let’s talk about loss ratios.
A loss ratio under 40 percent is probably too low. If a loss ratio is too low, then the company is collecting more premium than it needs for the number of claims it is getting.
A loss ratio of over 75 percent is too high. If a loss ratio is too high, the carrier is not collecting enough premium for the claims it is receiving and is a sign that a rate might increase. A high loss ratio doesn’t mean an insurance company is facing bankruptcy unless the loss ratio is high for several years in a row. More than likely, a high loss ratio means the company is going to have a rate increase in the relatively near future.
Keep this in mind as we evaluate the loss ratios below for Travelers.
|Year||Travelers Loss Ratio|
Travelers loss ratios have steadily climbed to a healthy range, despite its dip in 2018. This shows that the insurance guru is doing a great job of paying out its claims.
How to Get a Travelers Insurance Quote
Getting multiple quotes can seem extremely exhausting and repetitive. That, we understand. It’s why we’ve included this section. We want to outline the steps it takes to get a quote with Travelers so you can now what to expect.
Is the process easy? This is the question we’ll be answering next.
Step #1 – Enter Your ZIP Code on Travelers’ Website
To begin your quote with Travelers, you are directed from the main website to enter your ZIP code.
After you enter your zip code, you simply select “start quote” to begin your quote with Travelers.
Step #2 – Select Current Status with Travelers
Here, Travelers simply wants to know your status with the company.
If you are a customer already, select “Yes.” If you are, you may be eligible for discounts based on your current policies with Travelers. There, you would select “Yes.”
If this is a quote for a new customer, simply select “No” (Don’t be discouraged by this question, as you may find that Travelers may just be the company for you).
Step #3 – “Tell Us About Yourself”
Here, Travelers wants a little information on you to begin the process of your quote. We’ve listed out their fields below:
- First Name
- Last Name
- State (pre-populated)
- ZIP code (pre-populated)
- Confirm mailing address
- Confirm if you’ve moved in the last six months
- Date of Birth
This process is fairly simple and should only take about a minute or less.
Step #4 – “Tell Us About Yourself”
Again, Travelers wants a little more information about you. In this step you’ll provide the following:
- Phone (optional)
Again, this should take less than a minute and is straight to the point.
Step #5 – “Vehicles in Your Household”
Here Travelers should have a list of the vehicles in your household. Simply select “add” in the bottom right corner of your vehicle tab to make the selection of your vehicle (Travelers allows you to select up to four vehicles).
Step #6 – “Tell Us About This Vehicle”
In this step, Travelers gathers information on the vehicle you selected. We’ve outlined the fields again below (depending on your selections, additional fields may populate):
- Choose who the vehicle is registered to
- Choose if the vehicle is “owned” or “leased”
- Choose if the vehicle has any anti-theft devices
- Choose how the vehicle is used
- Select if there is any custom equipment on the vehicle
- ZIP code where the vehicle is kept (pre-populated)
- City (pre-populated)
This section is straight to the point, and should take several minutes to complete.
Step #7 – “Vehicles in Your Household”
In this step, it displays that you’ve added your vehicle with a checkmark located on your vehicle’s tab. If you need to go back and edit, you are welcomed to do so.
Step #8 – “Tell Us More About You”
Now this section might take a little more time to complete, however, it is important that you do as you may be eligible for certain discounts based on your answers to these questions. We’ve outlined them again for you below:
- Current License Status
- Enter the year when you got your U.S. or Canadian driver’s license
- Marital Status
- Do you own or rent your home?
- Do you have children living with you
- Are you one of the following degreed professionals?
- Are you one of the following service professionals?
- Are you an Alumni Association Member?
- Are you a Retired Association Member?
- Are you a Homeowner Association Member?
- In the last 5 years, have you had any
- Tickets or Violations?
- Have you had any DUI convictions in the last 10 years?
- Other Claims
While some of these questions appear unnecessary, insurance companies use them to get you the most accurate quote possible.
Step #9 – “Drivers in Your Household”
This is more of a confirmation page of the drivers listed in the quote, depending on the previous section you completed. You are free to edit your answers as well.
Step #10 – “Validate Your Insurance History”
Here Travelers wants to know about your current insurance status. See the following:
- Current Auto Insurance Company
- How long have you been with them?
- How many years have you been continuously insured?
- Which bodily injury limit is closest to your current coverage?
Here’s a quick reminder:
|Social Security Number||No|
|Vehicle Identification Number||No|
|Contact Information (email, address, etc.)||Yes|
Overall, if you’re thinking about investing in Travelers as your insurance providers, this entire process should take you no more than ten minutes to complete.
Design of Travelers Car Insurance Website & App
Having an online presence allows an organization to engage with their customers and meet their needs in an efficient capacity.
Let’s face it, easy-to-do forms and applications are so much better than painful processes. We get it. That’s why we’ve included this section. We’ll talk about the design of the Travelers’ website and how easy you can find answers.
We’ll also dive into the mobile app and how effective the design is.
Let’s get to it.
When entering in the Travelers’ website, one thing you immediately notice is their rotation of photographs. These individuals — both children and adults alike — represent the face of the company, establishing it as a human-focused organization.
The main tabs Travelers features are insurance for businesses, individuals, a claim center, and its “prepare and events” resource, which gives you tips for various walks of life. This projects its versatility as an organization to meet the needs of all of its customers, including its “login” feature, which allows customers to manage their accounts online.
Another major feature emphasized on the homepage is getting a quote. Travelers wants to make sure that it meets those inquiring minds on its products and services. Not only is Travelers in favor of its customer base, but also for its prospective customers as well.
Effective, human-centered, and to the point, Travelers’ website is easy for the average individual to manage.
How easy can you find answers?
Looking for a quote? Searching for a particular service or product? Trying to bundle and save on your insurance? Travelers answers these needs and more as you scroll down on the homepage. It lists its products and services, special opportunities, as well as its articles, which may be just the resource you need.
If you can’t find what you’re looking for, no problem? Travelers have a search button in the top right corner where you can customize your search to your specific needs.
With this being said, resources, products, and company information is easy to locate on the Travelers website, and your experience should not be chaotic by any means.
Is the design a plus or minus?
Through the Travelers’ website, you are able to scroll down on the main homepage to see a list of products and services and other features. This simple layout is what makes the Travelers website efficient.
It’s also a clean and clear experience because the Travelers website is not cluttered with unnecessary amounts of links. The website has a basic minimum to make things clear and easy to follow.
The font is consistent and clean, as well as the actual design — photos are eye-catching, yet minimalized, leading you to their topics, making for an engaging experience.
Overall, this design won’t leave your head spinning, which is a good thing.
Travelers Mobile App
Now let’s talk about Travelers’ mobile app. A mobile app, in general, is a compliment to a company’s website and generally allows you to have an emphasized and user-friendly experience of features and personal engagement.
Initially, you are invited to log in, signifying Travelers’ attempt to connect and appeal to its customers.
Once signed in, users have easy access to their payments, policy information, claim reporting, and more. This shows that Travelers has invested in making its business accomodating to its users.
How easily can you manage your account using just the app?
Through the Travelers app, you can accomplish many things. For example, you are able to make payments, view your policy, open a claim, edit your profile, as well as pay a bill — no more long lines and unnecessary paper processes. With Travelers, you have everything you need at your fingertips.
That being said, if you are a Travelers customer, know that you can manage your account and policy information right from the convenience of your phone.
Is the design a plus or minus?
Now, on to the mobile app design.
Travelers keeps the same red, white, and grey color scheme from its website on its app. This allows Travelers to establish commonality with the user’s experience on the website.
The app has several guiding links like “payments,” for instance, which turn into tabs and direct the user to their specific request.
Overall, the design is a plus, making it easy to get where you need to go without the confusion and minimal functionality issues. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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Travelers: Car Insurance History
Travelers has been in the game for over 160 years. While longevity doesn’t always equate character and strength, it says a lot about an organization’s durability. Not only that, but this company has had incredible milestones. Some are highlighted below.
- 1864 — Travelers introduces accident insurance, a first for the insurance industry
- 1897 — Travelers issues an auto insurance policy, another first for the insurance industry
- 1889 — Travelers offers liability insurance to employers, known today as “workers compensation”
- 1919 — Travelers offers aircraft liability insurance, a first
- 1958 — Travelers establishes lower life insurance rates for women compared to men
- 1969 — Travelers issues accident policies for space and lunar exploration
- 1999 — Travelers offers Identity Fraud Expense Reimbursement coverage to individuals
- 2006 — Travelers creates a national discount for hybrid vehicle drivers
As you can see, Travelers has been making headways in the insurance industry since they first appeared in the limelight. This shows how creative the company is, along with its historic leadership ability.
Again, these are but a few milestones of the insurance giant. Even so, they are very telling of Travelers’ capabilities.
What is Travelers market share?
A market share represents a percentage of an industry that a company occupies. It’s a great way to tell how dominant an organization is based on how high or low the percentage is.
Let’s take a look at the market share for Travelers.
|Year||Travelers Market Share|
Looking at the chart, Travelers has a very low market share in the insurance industry, though it’s market share has increased over the years. This doesn’t mean Travelers is a bad organization, but it does mean that there is definitely room for improvement.
What is Travelers’ position for the future?
So far, we’ve covered Travelers’ rates, history, and market share. This tells us that Travelers is in a good position for the future. Why?
Not only does it have strong financial ratings from some of the leading credit-risk organizations, but it also has deep roots in the industry with many firsts and milestones.
And even though its market share is small compared to other organizations, it has shown growth.
That being said, though it could improve in its customer satisfaction, it has the framework and structure for a strong, reliable organization.
How is Travelers’ online presence?
Let’s face it. Virtual communication is the way to go these days, especially if you want to be effective in beating out the competition. So how does Travelers’ online presence fair?
Off the bat, the Travelers website makes the focal point in getting a claim (online or through customer service at 1-866-227-5952) and finding an agent. The company emphasizes this as soon as you land on the page, inviting you to compare and possibly save (we’ll get into rates a little bit later).
The insurance guru also has several social media handles, including Facebook, Youtube, Twitter, LinkedIn, and Instagram, upholding its competitive and creative esteem.
Travelers also enhance its online presence through its mobile app. Through this app, you’re allowed to make payments and file claims, as well as access detailed coverage and policy info.
Does Travelers have commercials?
Commercials can be tools for organizations to get their message across, influence prospective customers, and reach audiences outside of one’s norm. Let’s take a dive into Travelers’ most recent commercials and see its approach.
This Travelers rustic homelife commercial is about legacy and endurance. Travelers wants its audience to know that as life takes its twists and turns, you can count on Travelers to be there throughout generations, rising and falling with tides of life. Simple, yet touching, this message is uniquely sculpted to make an appeal to families alike.
Travelers creates an emphasis on generations and lineage, giving its message a familial feel. This insurance giant, though it may commonly represent assets and ratios, also establishes a personal touch to its makeup, letting its audience know that it gets the softer parts of life, of their lives.
Overall, Travelers wants you to know that not only will it be there for you, but also your family and generations to come, hosting everything you need under one umbrella.
Is Travelers involved in the community?
As you look back over the years, you see more and more organizations making an appeal and expanding its outreach through giving. Giving back is a way for an organization to also show its customers and audience how humane the face of an organization is, especially in industries constantly in a competition by numbers and rankings.
Just in the last decade, Travelers donated $218 million in gifts to local communities. While that’s impressive, numbers are only half the story. Just check out Travelers main initiatives:
- Supporting Unrepresented Students
- Educating Businesses About Risk
- Rewarding Leadership in Community Response
- Veterans Deploy with Disaster Responders
- Building Strong, Resilient Communities
- Creating Neighborhood Playspaces
These efforts highlight Travelers as a multifaceted organization that has demonstrated efforts to improve the lives of others in various communities.
What do Travelers’ employees have to say?
Another way to gauge how well a company is doing is to take a look at the organization from the eyes of the employees. So let’s dig deeper into the lives of Travelers’ employees.
If we take a look at Glassdoor, we find that Travelers received a 3.8 rating out of 5 stars. Not bad for the insurance giant.
Furthermore, 75 percent would “recommend Travelers” and 87 percent “approve of the CEO.” That says a lot about the company’s efficiency and leadership.
Other ratings included the following:
- Compensation and Benefits (4.0 out of 5 stars)
- Culture and Values (3.7 out of 5 stars)
- Career Opportunities (3.6 out of 5 stars)
- Work/Life Balance (3.7 out of 5 stars)
- and Senior Management (3.4 out of 5 stars)
This shows that Travelers has a pretty strong core from the eyes of the employees involved in the organization.
But that’s not all. Glassdoor isn’t the only way into the eyes of the employees and the company’s internal makeup. We’ve also taken a look at the company PayScale to hear the voice of the employees.
On Payscale, Travelers earned a 3.6 out of 5 stars. Again, not bad. This rating is made up of several other ratings. They are the following:
- Appreciation (3.4 out of 5 stars)
- Company Outlook (4.1 out of 5 stars)
- Fair Pay (2.9 out of 5 stars)
- Learning and Development (3.7 out of 5 stars)
- Manager Communication (3.8 out of 5 stars)
- Manager Relationship (4.0 out of 5 stars)
- Pay Policy (2.9 out of 5 stars)
- Pay Transparency (2.4 out of 5 stars)
It seems to be that the opportunities and relationships with the higher-ups were appreciated by most employees, while areas around pay were on the lower end.
This, combined with the ratings from Glass Door, makes Travelers a healthy organization from the inside out.
Furthermore, being recognized by other organizations says a lot about a company’s value as well. Let’s see the rewards and accolades that Travelers received as an organization.
Here is a list of corporate awards Travelers received in its time:
- Fortune 500, Fortune, 1995–2019
- FTSE4Good Index Series, 2001–2018
- World’s Most Admired Company, Fortune, 2006–2018
- America’s Most JUST Companies list, JUST Capital and Forbes, 2019–2020
- North America Index Component, Dow Jones Sustainability Index, 2007–2019
- Barron’s 500, Barron’s, 2008–2017
- Largest U.S. Workers Compensation and Commercial Property Carrier, NAIC, 2014–2019
Also, take a look at these culture awards that Travelers received as well:
- Military Friendly® Company, VIQTORY, 2018–2020
- Military Friendly® Employer, VIQTORY, 2007–2020
- Military Friendly® Brand, VIQTORY, 2017–2020
- Military Friendly® Supplier Diversity Program, VIQTORY, 2018–2020
- Best for Vets, Military Times, 2010–2011, 2014–2019
- Military Times Best for VETS Index, 2017–2019
- Top Veteran-Friendly Company, U.S. Veterans Magazine, 2014 and 2017–2019
- America’s Best Employers, Forbes, 2015–2018
- America’s Best Employers for Diversity, Forbes, 2019
- America’s Best Employers for Women, Forbes, 2019
- Best Place to Work for LGBTQ Equality, Human Rights Campaign Foundation, 2016–2019
- Best Place to Work for Disability Inclusion, Disability: IN and American Association of People with Disabilities, 2018–2019
- Clear Assured Bronze Standard for Inclusive Best Practices (UK), Clear Company, 2019
- Employer of the Year, Lifeworks, 2019
- Best Place to Work, Glassdoor, 2018–2019
It says a lot about a company that earns the best place to work two consecutive years in a row, as well as establishing a voice for the underrepresented like women, those with disabilities, and the LGBTQ community, and more.
Pros & Cons
As you get ready to conclude our guide, let’s take a look at several pros and cons of Travelers.Travelers Auto Insurance Pros and Cons
|Received competitive ratings from the best rating agencies||Could improve on handling claims and customer base|
|Has deep roots in the insurance realm, with industry firsts and milestones since 1864||Has a low marketshare, despite its growth in the past years|
|Has strong employee core-base and leadership, along with giving||Received low ratings from employees regarding pay|
|Has more discounts than most top providers||Isn't the cheapest provider when considering multiple factors|
Now let’s get to the bottom line.
The Bottom Line
Although Travelers has held a stable presence in the insurance industry and has had many milestones, their market share is quite low compared to other providers — though it has displayed growth over the years.
They are, however, financially stable as an organization, according to some of the best credit-rating agencies in the business.
That being said, what they lack in rates, they make up for in discounts. This could alleviate some of the financial costs you pay out of pocket.
If you want to invest in a stable, provider with great insurance milestones and various types of coverage, Travelers should be considered just as much as the rest of the insurance-dominating organizations. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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Travelers Car Insurance FAQs
Even with a complete guide, sometimes there are pressing and common questions that can get overlooked. That’s why we’ve created this section. We want to get to your most pressing questions and concerns about Travelers.
Where is Travelers located?
Travelers’ largest office is located in Hartford, Connecticut. It’s headquarters, however, are in New York City at 485 Lexington Ave 8th floor New York, NY 10017.
Is Travelers owned by Geico?
Travelers and Geico are two separate entities. Travelers is not owned by Geico.
Travelers was established in 1864, while Geico was established in 1936.
What does Travelers roadside assistance cover?
At basic coverage, Travelers offers the following:
- towing (up to 15 miles)
- jump starts
- fuel delivery
- flat tire change
- lockout assistance
With advance coverage, you may be eligible for meal and lodging reimbursements, as well as personal property coverage.
Simply call 800-252-4633 to get to a roadside professional who is available to answer 24/7.
What is the Travelers claim number?
In the event that you’re in an accident, no worries. Travelers’ claim department is open 24/7. The number is 1-800-CLAIM33 (1-800-252-4633).
How do you contact Travelers?
There are several ways that you can contact Travelers. We’ve listed them out below:
- Travelers auto insurance phone number: 800-842-9346
- By email: MWCP@travelers.com
- Fax: 877-634-3710
- With your Travelers auto insurance login
- and by mail:
P.O. Box 5600
Hartford, CT 06102-5600
If you’re a Travelers agent then use your Travelers insurance agent login.
That completes our Travelers’ guide. We were happy to have you on the journey with us.
Did we miss anything? What was most resourceful for you?
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