In-Depth Travelers Insurance Review: What Our Analysis Found
Travelers Insurance (9th largest US property insurer) has operated since 1864 and is headquartered in New York, NY. After reviewing publicly available rate filings, J.D. Power satisfaction data, NAIC complaint ratios, and AM Best financial strength ratings, here is what you need to know before choosing or renewing with Travelers Insurance.
Who Should Choose Travelers Insurance — And Who Shouldn't
Travelers Insurance is best for: homeowners and bundlers — Travelers excels at home insurance and multi-line accounts.
Travelers Insurance may not be the best choice for: auto-only buyers seeking budget rates.
No single insurer is cheapest or best for every driver. Before renewing with Travelers Insurance or switching to Travelers Insurance, get quotes from at least 3 other insurers to verify you are getting a competitive rate for your specific driver profile.
Travelers Insurance Claims Experience
Travelers scores 854/1000 on J.D. Power auto claims satisfaction, below the industry average. However, it scores significantly higher on homeowners claims satisfaction, reflecting where its business strength lies. Its IntelliDrive telematics program affects auto rates.
What Makes Travelers Insurance Unique
Travelers is one of the oldest US insurers, having written the nation's first auto insurance policy in 1897. Its IntelliDrive app-based telematics offers discounts up to 30% for safe driving. Travelers offers a unique Premier New Car Replacement coverage that provides a brand-new replacement vehicle for totaled cars in the first 5 years.
Available Discounts at Travelers Insurance
Travelers Insurance offers the following discounts (availability varies by state):
- Multi-policy (15%)
- Multi-car (8%)
- Good student (8%)
- IntelliDrive telematics (30%)
- Homeowner (5%)
- Hybrid/electric vehicle (10%)
- Good payer (15%)
Not all discounts are automatically applied. When getting a quote from Travelers Insurance, explicitly ask which discounts you qualify for — this is especially important for telematics discounts, professional group discounts, and military discounts, which are sometimes available but not prominently advertised.
"Travelers Insurance is worth getting a quote from for virtually every driver profile. Even if it's not the cheapest, knowing what Travelers Insurance charges gives you a reliable benchmark to measure other insurers against. I include Travelers Insurance in every comparison I do."
— Marcus Holloway, Senior Insurance Analyst, Insurance Smart Guide
Frequently Asked Questions About Travelers Insurance
Is Travelers Insurance a good insurance company?
Travelers Insurance is best for homeowners and bundlers — Travelers excels at home insurance and multi-line accounts. It holds an AM Best financial strength rating of A++, indicating excellent ability to pay claims. On J.D. Power's 2026 auto insurance satisfaction study, Travelers Insurance scored 854/1000. Like all major insurers, the right fit depends entirely on your specific driver profile, location, and coverage needs.
Who owns Travelers Insurance?
Travelers Companies Inc. (NYSE: TRV) is publicly traded and one of the original 30 companies in the Dow Jones Industrial Average. It is among the most financially stable insurers in the US with an A++ AM Best rating.
How do I file a claim with Travelers Insurance?
You can file a Travelers Insurance claim online through their website or mobile app, by calling their 24/7 claims hotline, or through your local agent if you have one. For auto claims, document the accident scene with photos, get the other driver's insurance information, and report the claim as soon as possible — ideally within 24 hours. Travelers scores 854/1000 on J.D. Power auto claims satisfaction, below the industry average. However, it scores significantly higher on homeowners claims satisfaction, reflecting where its business strength lies. Its IntelliDrive telematics program affects auto rates.
What discounts does Travelers Insurance offer?
Travelers Insurance offers a range of discounts. The most commonly available include: Multi-policy (15%), Multi-car (8%), Good student (8%), IntelliDrive telematics (30%), Homeowner (5%), Hybrid/electric vehicle (10%), Good payer (15%). Discount availability and amounts vary by state. Always ask specifically about discounts when getting a quote — not all are applied automatically.
Data Sources for This Review
- J.D. Power 2026 U.S. Auto Insurance Study — overall satisfaction score of 854/1000
- AM Best Financial Strength Rating — A++ as of June 2026
- NAIC 2025 Market Share Report — 3.1% of US auto insurance market
- State Department of Insurance rate filings — average premium of $1,524/yr
- Insurance Smart Guide direct rate quote analysis — multiple driver profiles, multiple states