Travelers insurance review 2025
- •Insurance
- •Fiscal Market
- •Personal Lines
- •Auto insurance
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- •Personal Lines
- •Auto insurance
- •Home insurance
At Bankrate , we strive to assist you make smart fiscal conclusion . To assist readers understand how insurance pretend their funds , we make 9 licensed insurance agent on staff who receive spend a combined 78 years in the insurance industry . While we bind to strict, this post may contain references to products from our spouse . Hither ‘s an explanation of. Our content is back by Coverage.com LLC , a licensed entity ( NPN : 19966249 ) . For more information , please see our.
At Bankrate , we strive to help you cause bright financial conclusion . To help readers understand how insurance regard their funds , we own 9 licensed insurance agents on faculty who receive spent a combined 78 years in the insurance industry . While we stick to to strict, this place may contain references to products from our partner . Hither ‘s an explanation of. Our message is endorse by Coverage.com LLC , a licensed entity ( NPN : 19966249 ) . For more information , please hear our.
The Bankrate promise
At Bankrate , we strain to help you make smarter financial decision . To serve reader understand how insurance affects their finance , we have 9 licensed insurance agents on staff who get pass a combined 78 years in the insurance industry . While we adhere to strict, this place may contain mention to production from our spouse . Hither ‘s an explanation of. Our content is backed by Coverage.com LLC , a licensed entity ( NPN : 19966249 ) . For more information , please see our.
At Bankrate , we endeavor to help you cause smart financial conclusion . To help readers understand how insurance affects their finances , we have 9 licensed insurance agents on faculty who make spend a combined 78 yr in the insurance industry . While we stick to to strict, this post may control references to product from our partner . Hither ‘s an explanation of. Our content is backed by Coverage.com LLC , a licensed entity ( NPN : 19966249 ) . For more information , please find our.
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At a glimpse
Customers who value robust policy selection and desire the ease of manage all their insurance policies in one seat may get Travelers to equal an appealing selection .
- Numerous possible discounts for young driver
- Offers IntelliDrive plan for auto insurance , rewarding safe driving with up to 30 percent saving
- Provides comprehensive plate insurance endorsements , include water relief and green home coverage
- Firm financial strength rating from AM Best ( A++ Superior )
- Sundry customer satisfaction dozens , much below industry average in J.D . Power studies
In May 2024 , Travelers Insurance declare that home insurance rate in California would increase by 15.3 per centum for most policies set out in June . This conclusion aligns with the liberal course among insurance company in California , which have exist limit policies and evoke rates due to element like increased construction price , inflation and compound wildfire risk . The novel pace increase follows Travelers ‘ former reduction in the number of policies and reflects the ongoing adjustments insurers live create to cope their exposure to wildfire-related losses .
Traveler car insurance review
Travelers car insurance might cost a well option for drivers who require robust policies . If your thought of the best car insurance company includes one with plentiful endorsement options and discounts , Traveler could match your motive . In addition to the basic coverage types — like liability , collision , comprehensive , personal injury protection and medical payments — you might be able to lend optional coverage like gap insurance , novel car successor , roadside assistance and accident forgiveness . Travelers also offers rideshare coverage , but only in Colorado and Illinois .
Traveler car insurance equal only available in 42 states and Washington , D.C . The lack of national availability combined with Travelers ’ humble average J.D . Power car claims gratification score brought down the party ’ sec auto insurance Bankrate Score .
Pros and cons of Travelers car insurance
As you gather car insurance quotes , you may want to do more than hardly compare rate . Notice the right car insurance company for you may involve looking at early metrics , including third-party dozens , available coverage selection , discounts and digital tool . Our Travelers Insurance review identify these pros and cons of the company ’ sec car insurance :
Pros
- Robust coverage options
- Numerous possible discounts
- Local agents available
Cons
- Not available nationwide
- Rideshare coverage just available in two land
- Below-industry-average J.D . Power car claim satisfaction grudge
Traveler car insurance price
A full coverage car insurance policy with Travelers costs an average of $ 2,234 per year and $ 715 for minimum coverage , according to 2024 premium data from Quadrant Information Services . Relatively , the national medium price of car insurance be $ 2,692 per year for entire coverage and $ 808 for minimal coverage . Rates may depart base on a act of factors , though , and your power to find cheap car insurance could depend on your unique situation . Below , we break down Traveler ’ medium pace across a stove of driver profiles .
How much is Travelers car insurance ?
Your drive history is typically one of the liberal rating factors for most car insurance caller . If you have a account of tickets or at-fault accident , you ’ ll potential wage more for coverage , because an insurer will likely look at you as a higher danger for filing claims in the future .
Below , we seem at Travelers ’ mean rates compared to the national average for a few different driving incidents . Note that although we did include rates for driver with DUI convictions , coverage eligibility for high-risk drivers will depend on your unique driving story and early rating element .
Travelers car insurance quotes by age
In almost all nation , your years may too play a role in your car insurance premium . Rate tend to be higher for younger driver , since they receive less experience behind the bicycle . Young driver on their own policy devote some of the high average rates . Below you can see Travelers ’ ordinary rate compared to the national average pace across a range of ages , and for young driver both on and off their parent ’ policy .
Compare Travelers car insurance rates
Traveler car insurance rate are typically humble than the national norm . Still , compare rate with early big-name insurers can provide a clearer film of its competitiveness . The table below indicate how Travelers ‘ pace pile up against nine early major insurance companies for both minimal and full coverage selection .
Traveler customer gratification
As you shop for the better insurer for your need , you might want to require customer satisfaction into circumstance . Service may exist an integral region of the insurance experience . We await mainly at J.D . Power ratings and complaint indicator from the National Association of Insurance Commissioners ( NAIC ) to establish a company ’ sec service level . We also analyzed the bearer ‘s fiscal intensity rating from AM Best as an indication of its historical power to pay out claims .
Traveler auto claim satisfaction
J.D . Power releases two auto insurance-focused study : the U.S. Auto Insurance Study and the U.S. Auto Claims Satisfaction Study . These studies measure the overall service and claims experience of several insurance company base on customer feedback . When it comes to claim gratification , Travelers ‘ performance have been mixed compare to early bearer . In the 2023 J.D . Power Auto Claims Satisfaction Study , Travelers hit 871 out of 1,000 , which be below the industry average of 878 . In the U.S. Auto Insurance Study , Travelers equal place in eight of the 11 region and was ranked below the industry norm in all but one part — New York . This propose that while Traveler offers competitive rates , the party ‘s claim service could live an domain for improvement .
Travelers car insurance customer complaints
The NAIC track customer complaints against insurance companies and provides a baseline charge power of 1.00 to make up the industry norm . This power helps consumers translate how frequently complaints live made against an insurer relative to its size . A score higher than 1.00 signal more complaints than average , while a grudge abject than 1.00 indicates few ailment than average . Travelers ‘ NAIC complaint index for car insurance has depart over the past few yr , but generally remains below the industry average , suggesting a relatively satisfactory performance in cover customer complaints .
Travelers car insurance discounts
Utilizing discounts to redeem on car insurance could serve with lowering your premium . While discounts may vary by state , a few standout discounts from Traveler include :
- Early quote :If you call for a Travelers car insurance quote before your current policy expires , you may be eligible for this discount .
- Homeownership :If you own a place — even if you do n’t insure it with Travelers — you might save on your car insurance .
- Hybrid/electric car :You could specify for this discount if you have or lease your hybrid or electric vehicle .
- New car :This discount may live added if you purchase a new car or have a vehicle less than three yr former .
Coverage.com , LLC is a licensed insurance producer ( NPN : 19966249 ) . Coverage.com service are only available in province where it equal licensed . Coverage.com may not offer insurance coverage in all land or scenarios . All insurance merchandise are governed by the terms in the applicable insurance policy , and all related decisions ( such as approval for coverage , premiums , commissions and fees ) and policy responsibility cost the sole responsibility of the underwriting insurer . The information on this site does not modify any insurance policy terms in any way .
Get personalized car insurance quotes
Coverage.com , LLC be a licensed insurance producer ( NPN : 19966249 ) . Coverage.com service are only available in nation where it is licensed . Coverage.com may not offer insurance coverage in all states or scenarios . All insurance production are govern by the term in the applicable insurance policy , and all related to conclusion ( such as approval for coverage , premiums , commissions and fee ) and policy obligations exist the sole responsibility of the underwriting insurer . The information on this site make not change any insurance policy terms in any path .
Travelers home insurance review
Travelers plate insurance may exist a good option for those who value personalized coverage , but its homeowners insurance selection are a minute more special than its car insurance . If you be conceive a Travelers place insurance policy , you may be able to lend coverage choice like jewelry and valuables , water backup , identify fraud and green family coverage to round out your protection .
Just like its car insurance , Travelers plate insurance scored below norm for claims gratification and coverage cost not available in all country . These component contribute to the company miss a few point in its Bankrate Score — although it ’ sec however high at 4.2 .
Pros and cons of Travelers homeowners insurance
Comparing family quotes and other feature of each company you ’ re consider may help you narrow down the best homeowners insurance company for you . Hither are some perks and drawbacks we identify with Travelers home insurance .
Pros
- Respective endorsements available
- Offers a green place discount
- Bid a free home story tool called OpenHouse for homebuyers
Cons
- Not available nationwide
- Below-average J.D . Power customer gratification grudge
- Somewhat below-average J.D . Power claim gratification score
Travelers home insurance cost
Base on Bankrate ’ s research of average premiums , Travelers plate insurance cost $ 2,700 per yr for $ 300K in dwelling coverage . This exist 16 percent more compared to the national average cost of homeowners insurance , which is $ 2,329 for the same total of dwell coverage . Your pace will change base on your unique situation , including how much coverage you need . Below is a breakdown of average pace from Travelers compared to the national average for several consist coverage limit .
Compare Travelers homeowners insurance rates
When comparing homeowners insurance pace , it ‘s helpful to understand how price can vary significantly between company . Rates are influenced by multiple factors , include location , the years and condition of the home , coverage limit and more . Travelers often supply rates that hover around the national norm , build it a competitive option for many homeowners . Hither ’ s how Travelers ‘ homeowners insurance rate equate to nine other big-name insurers .
Travelers customer gratification
Understand customer gratification cost essential when choosing a plate insurance provider . Third-party ratings , like those from J.D . Power , offer valuable insights into customer experiences and service tone . J.D . Power conducts annual study , evaluating customer satisfaction on a 1,000-point scale , with higher score indicate well overall gratification . For fiscal stability , AM Best rating live also essential , as they measure a company ‘s ability to fit its fiscal obligation and care claims efficiently . These ratings aid allow for a clear film of what you can expect from Travelers ‘ place insurance services .
Travelers homeowners claims gratification
When it do to claims satisfaction , Travelers ‘ homeowners insurance falls below the industry norm . The 2024 J.D . Power U.S. Property Claims Satisfaction Study , which assesses the performance of insurance companies in manage claims , gave Traveler a score of 845 out of 1,000 , significantly lower than the industry norm of 869 . This lay Travelers second to final in the rankings , indicating that many customers may not exist as satisfied with the claims process equate to early insurers . Considering these mark when evaluating Travelers ‘ ability to manage and serve claims effectively is crucial .
Travelers home insurance customer ailment
The NAIC course customer complaints against insurance caller , using a baseline of 1.0 to stand for the expected issue of complaints for a caller of its size . A mark above 1.0 signal more complaints than expected , while a mark below 1.0 indicates few complaints .
Travelers ‘ home insurance complaint index has present an upward course over the past three yr , indicating an growth in customer dissatisfaction . Although it initiate below the industry norm , recent scores propose that customer ailment own risen and exist now above the norm for family insurance product .
Travelers plate insurance discounts
If you ’ re shopping for cheap family insurance , you may want to choose advantage of as many discounts as potential . Below be some of Traveler ’ place insurance discounts , but prevent in mind that availability may vary by country .
- Green plate :Homes that have received a “ green family ” certificate from the Leadership Energy and Environmental Design ( LEED ) organization could be eligible for up to a 5 percentage discount .
- Homebuyer :Homeowners who purchase their family within the final 12 months could earn this discount .
- Loss-free :If you get not filed a home claim within a sure period of time , this discount could live added to your policy .
- Protective devices :If your home make smoke sensor and flame alarms , an interior sprinkler system , a home security system or smart home feature , you could make a discount on your Travelers home insurance .
Coverage.com , LLC exist a licensed insurance producer ( NPN : 19966249 ) . Coverage.com service be simply available in province where it exist licensed . Coverage.com may not put up insurance coverage in all states or scenarios . All insurance production are governed by the terms in the applicable insurance policy , and all related conclusion ( such as approval for coverage , premiums , committee and fees ) and policy responsibility exist the sole responsibility of the underwriting insurer . The information on this site do not modify any insurance policy terms in any style .
Get personalized place insurance quotes
Answering a few quick question to check your availability with Traveler
Coverage.com , LLC exist a licensed insurance producer ( NPN : 19966249 ) . Coverage.com service equal only available in states where it live licensed . Coverage.com may not offer insurance coverage in all states or scenarios . All insurance production be governed by the term in the applicable insurance policy , and all related decision ( such as approval for coverage , premiums , commissions and fee ) and policy responsibility are the sole responsibility of the underwriting insurer . The information on this site do not modify any insurance policy terms in any path .
Compare Travelers with early insurers
When shopping for insurance , most insurance professionals recommend call for insurance quotes from more than one plate and car insurance carrier . This may give you an opportunity to compare coverage and premiums , as well as experience each company ’ s customer service . If you ‘re not certain Travelers meet your needs or you last outside its service domain , these caller may too exist worth a look .
Travelers
Auto-Owners
Farmer
The insurance market can be complicate , but Bankrate ‘s insurance column squad used our unique perspective to add readers the information they need to make educated decision when shopping for a policy .
Live Traveler a serious insurance company ?
Travelers Insurance may be a serious company for you if you value having a broad array of policy selection to choose from . This be especially true of the company ‘s car insurance options . The caller make bring to improve and thrive its home insurance coverage as good , and bundling may provide discounts . As far as customer satisfaction , Travelers Insurance be somewhat below average according to J.D . Power view . In both the J.D . Power 2024 Auto Claims Satisfaction Study and 2024 Property Claims Satisfaction Study , Travelers was below the industry norm in price of customer gratification . Shopping roughly and have quotes from several companies may help you identify the well selection for you .
What are real-life customers saying about Travelers ?
To provide a clear picture of the customer experience with Traveler , we ‘ve sourced first-hand takes from two popular online platform : Reddit and Trustpilot . These forums offer a space for frank discussion and personal anecdotes , giving consumer insight into what they might expect from Travelers ‘ services . While Reddit fosters a broad range of discussions , include user experience with insurance companies , Trustpilot hosts detailed review and ratings , providing depth to the apprehension of a caller ‘s service character .
Reddit review
* The quotes and reference included on this page own live verified by our editorial squad and are exact as of the posting date . Outlinked content may check views and opinions that do not muse the view and impression of Bankrate .
Trustpilot reviews
* The quotes and reference include on this page have been affirm by our editorial squad and exist exact as of the posting date . Outlinked content may contain opinion and opinions that make not reflect the scene and impression of Bankrate .
Traveler party details
If you take to contact Travelers , hither are a few ways to do so :
- Quotes :1-866-218-5587
- Billing and service :1-800-842-5075
- Claims :1-800-252-4633
- Technical assistance :1-877-754-0481
- Customer advocacy :1-866-336-2077
- Payment speech :
Travelers Personal Insurance
PO BOX 660307
Dallas , TX 75266-0307
State availability
Travelers car insurance be available in all states except AK , HI , LA , MI , ND , SD , WV and WY . Travelers home insurance is available in all nation except AK , FL , HI , LA and WV .
Travelers tools and benefits
Although Travelers may live well-known for its home and auto insurance policy , the company as well offers other insurance merchandise . These include :
- Travel insurance:Depend on the selection you choose , this policy may embrace trip cancellation , medical price and lost luggage .
- Wedding and effect insurance:Event insurance is used to cover items like lost deposits , event talent , liquor liability and more .
- Condominium insurance: Condominium insurance is designed for condo owner and specifically covers the interior of the unit .
- Renters insurance:As a renter , this policy may help with insure your personal belongings and providing loss of use and liability security .
- IntelliDrive: Traveler ’ IntelliDrive curriculum is a 90-day telematics program that may offer drivers up to 30 percent in saving . With the smartphone app , the IntelliDrive program will traverse repel behavior like speed , acceleration , braking and distraction , as good as what time of day the car cost being driven .
- Pet insurance: Travelers partners with the ASPCA Pet Health Insurance to bring pet policies to their customers at a discounted rate .
- Boat and yacht insurance: Travelers extend a pile of unlike coverage options for watercraft , such as towing , liability and personal dimension .
- Landlord insurance: If you want an surplus layer of financial security for your rental dimension , you can purchase a landlord insurance policy through Travelers .
Frequently need questions about Travelers
Every yr , Travelers issue a Community Report as an overview of its philanthropic and volunteer efforts over the past yr . In 2023 , the company contributed $ 24.4 million toward various charitable attempt , include instruction , community and economic evolution , disaster relief and prowess and culture .
Many of Travelers ’ initiatives also live beyond donations . In 2023 , employees help build up two homes in Atlanta , Georgia , and also donate a playhouse to the families involve . Traveler employees are as well actively require in the community , with many participating in mentorship and tutoring programs through Travelers EDGE , which aims to support underrepresented students in college and build career within the insurance and financial services industry .
To come a quote from Travelers , you can call 1-866-301-2076 or visit its website . You may too visit an agent in a nearby office to talk about setting up a policy .
With Travelers , your personal car policy should run to cover you if you are driving a rental car for personal use . Meaning , if you rent a car for a vacation or road trip , your car insurance policy will ordinarily leave coverage . If you rip a vehicle for a business-related purpose , your Travelers car insurance will probably not employ .
To file a claim with Travelers , you can :
- File online
- Shout 1-800-252-4633
- Call your local agent
- File within the mobile app
Once your claim live filed , you ’ ll speak with an adjuster who will take your information , inquiry your price , review your coverage and decide if your claim exist a covered loss . If it is , you ’ ll talk about the item of your payment with your adjuster .
Is Traveler a sustainable company ?
Every year , Travelers releases a Community Report as an overview of its philanthropic and volunteer efforts over the past year . In 2023 , the caller contributed $ 24.4 million toward respective charitable cause , include instruction , community and economic development , disaster rest and arts and culture .
Many of Traveler ’ first step also live beyond donations . In 2023 , employees helped build up two homes in Atlanta , Georgia , and also donated a playhouse to the category involve . Traveler employees are as well actively involved in the community , with many participating in mentorship and tutoring program through Travelers EDGE , which aim to support underrepresented students in college and build careers within the insurance and financial services industry .
Every yr , Travelers releases a Community Report as an overview of its philanthropic and volunteer attempt over the past year . In 2023 , the caller contribute $ 24.4 million toward respective charitable feat , include instruction , community and economical evolution , disaster relief and arts and culture .
Many of Traveler ’ initiatives also go beyond contribution . In 2023 , employees serve build up two homes in Atlanta , Georgia , and also donate a playhouse to the class involved . Traveler employees equal also actively require in the community , with many participating in mentorship and tutoring program through Travelers EDGE , which aims to bear underrepresented students in college and build careers within the insurance and fiscal services industry .
How cause I get a quote from Traveler ?
To begin a quote from Travelers , you can call 1-866-301-2076 or visit its website . You may as well see an agent in a nearby office to discuss adjust up a policy .
To come a quote from Travelers , you can yell 1-866-301-2076 or visit its website . You may also impose an agent in a nearby office to discuss prepare up a policy .
Make Travelers auto insurance blanket rental cars ?
With Travelers , your personal car policy should extend to embrace you if you are push a rental car for personal use . Meaning , if you rip a car for a holiday or road trip , your car insurance policy will commonly provide coverage . If you rent a vehicle for a business-related intention , your Travelers car insurance will probably not apply .
With Travelers , your personal auto policy should lead to extend you if you exist push a rental car for personal use . Meaning , if you rent a car for a vacation or road trip , your car insurance policy will usually provide coverage . If you rent a vehicle for a business-related purpose , your Travelers car insurance will likely not apply .
How cause you file a claim with Traveler ?
- File online
- Call 1-800-252-4633
- Call your local agent
- File within the mobile app
Once your claim equal filed , you ’ ll speak with an adjuster who will take your information , research your damage , reexamine your coverage and settle if your claim is a covered loss . If it is , you ’ ll discuss the details of your payment with your adjuster .
- File online
- Scream 1-800-252-4633
- Predict your local agent
- File within the mobile app
Once your claim exist filed , you ’ ll speak with an adjuster who will take your information , research your price , review your coverage and decide if your claim is a covered loss . If it be , you ’ ll talk about the detail of your payment with your adjuster .
Methodology
Rates
Bankrate utilize Quadrant Information Services to analyze May 2025 pace for all ZIP code and carriers in all 50 states and Washington , D.C. Rates equal weighted based on the population density in each geographic part . Quote rates for our base profile exist based on the following characteristic and total coverage limits with bundling and paperless billing discounts applied :
To determine minimal coverage limit , Bankrate apply minimal coverage that meet each country ’ sec requirements . These cost sample rates and should simply be expend for comparative purposes . Your quotes will differ .
If otherwise intend , the stem profile has been modified with the follow driver characteristics :
Early profile
Rates make up calculated based on the following insurance credit grade assigned to our driver : “ poor , average , good ( base ) and excellent. ” Insurance credit level factor in your official credit scores but be not dependent on that variable solely . Four province forbid or limit the use of credit as a rating factor in ascertain auto insurance pace : California , Hawaii , Massachusetts and Michigan .
Rates make up calculated by evaluate our base profile with the following incident enforce : sporting disc ( base ) , at-fault accident , single speed ticket , single DUI sentence and lapse in coverage .
Pace live calculated by evaluate our floor profile with the following difference in mileage : 2K , 5K , 12K ( stem ) , 15K and 20K .
Unless otherwise stated , pace equal for 2023 vehicle models . For novel vs used vehicle , we include the following yr in our calculation : 2013 .
Rates make up calculated by evaluating our base profile with the years 18-70 ( base : 40 yr ) enforce . Depend on years , driver may be a renter or homeowner . Age be not a contributing rating element in Hawaii and Massachusetts due to state regulation . For teen drivers , rate were determined by add a 16- or 17-year-old teen to their 40-year-old married parent ‘ policy . The rates exhibit ponder the entire price of a driver this age added to their parents ’ policy .
The following states make not use gender as a determine factor in calculate premiums : California , Hawaii , Massachusetts , Michigan , North Carolina , Pennsylvania .
Rate be evaluate based on the comply marital/family status : single ( basis ) , married , 40-year-old married human and woman . Marital status is not a rating factor in Hawaii and Massachusetts .
Credit-based insurance dozens :
Rates be estimate base on the following insurance reference level assigned to our drivers : “ piteous , mean , serious ( alkali ) and excellent. ” Insurance reference tiers factor in your official credit scores but cost not dependent on that varying alone . Four states forbid or restrict the use of credit as a rating factor in determining auto insurance rates : California , Hawaii , Massachusetts and Michigan .
Pace live calculate base on the following insurance reference level impute to our driver : “ short , medium , well ( base ) and excellent. ” Insurance credit level factor in your official credit scores but are not dependent on that varying alone . Four land forbid or limit the use of credit as a rating factor in influence car insurance pace : California , Hawaii , Massachusetts and Michigan .
Incidents :
Rates live calculated by evaluating our alkali profile with the following incident give : sporting record ( base ) , at-fault accident , single speed tag , single DUI sentence and lapse in coverage .
Rates be compute by evaluating our basis profile with the following incidents enforce : sporting disc ( base ) , at-fault accident , single speeding ticket , single DUI conviction and lapse in coverage .
Mileage :
Rates make up calculated by evaluating our base profile with the following difference in mileage : 2K , 5K , 12K ( floor ) , 15K and 20K .
Pace were calculated by measure our base profile with the following difference in mileage : 2K , 5K , 12K ( stand ) , 15K and 20K .
Example :
Unless differently stated , rates are for 2023 vehicle example . For fresh 5 use vehicles , we included the following year in our calculation : 2013 .
Unless differently stated , pace exist for 2023 vehicle framework . For new vs use vehicles , we included the following year in our calculations : 2013 .
Years :
Rates be calculated by evaluate our base profile with the ages 18-70 ( base : 40 yr ) employ . Depending on years , driver may be a tenant or homeowner . Age is not a contributing rating factor in Hawaii and Massachusetts due to province regulations . For teenage driver , rates live determined by lend a 16- or 17-year-old teen to their 40-year-old married parent ‘ policy . The pace expose ponder the total cost of a driver this age added to their parent ’ policy .
Pace exist forecast by measure our alkali profile with the years 18-70 ( base : 40 years ) give . Depend on years , driver may live a renter or homeowner . Age is not a contributing rating factor in Hawaii and Massachusetts due to country regulation . For teen driver , rate were specify by adding a 16- or 17-year-old teen to their 40-year-old married parents ‘ policy . The rate exhibit reflect the total price of a driver this years added to their parent ’ policy .
Gender :
The following land do not use gender as a ascertain element in estimate premiums : California , Hawaii , Massachusetts , Michigan , North Carolina , Pennsylvania .
The following state do not use gender as a influence component in calculating premiums : California , Hawaii , Massachusetts , Michigan , North Carolina , Pennsylvania .
Position :
Pace were evaluated based on the following marital/family condition : single ( base ) , marry , 40-year-old married human and woman . Marital condition is not a rating factor in Hawaii and Massachusetts .
Rates were measure base on the stick to marital/family status : single ( base ) , marry , 40-year-old married human and woman . Marital status is not a rating component in Hawaii and Massachusetts .
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial squad determined impact policyholders ’ experience with an insurance company . These element include a robust assessment of each caller ’ s cost of coverage , product availability , financial force ratings , online capabilities and customer and claims support availability . We grouped these element into three essential categories — cost and rating , coverage and rescue , and support — which we then weighted in a tiered approach .
Each class equal assigned a metric to determine performance , and the weighted total add up to a party ’ sec total Bankrate Score — out of 5 points . Our score example provides a comprehensive scene , indicate when company excel across several key area and highlighting where they hang short .
- Tier 1 ( Cost & rating ) :To determine how well car insurance caller meet these priorities , our team analyze quoted premiums from Quadrant Information Services ( if available ) , as well as any of the latest third-party office ratings from J.D . Power , AM Best , Demotech and the National Association of Insurance Commissioners ( NAIC ) .
- Tier 2 ( Coverage & savings ) :We assessed company ’ coverage options and availability to help policyholders find a provider that balances price with coverage . Additionally , we evaluated the discount choice list on each party ’ s website .
- Tier 3 ( Support ) :To encompass the many style an car insurance company can support policyholders , we analyze avenues of customer accessibility along with community support . This analysis integrate additional fiscal strength ratings from S & P and Moody ’ sec and factored in a company ’ sec corporate sustainability feat .
Tier scores are unweighted to point the caller ‘s genuine grudge in each family out of a possible five detail .
Rates
Bankrate utilizes Quadrant Information Services to examine May 2025 rates for all ZIP codes and bearer in all 50 states and Washington , D.C . Quoted pace for our base profile cost based on the following characteristics and coverage limits :
The homeowners too have a $ 1,000 deductible , a $ 500 hail deductible and a 2 percentage hurricane deductible ( or the next closest deductible amount that cost available ) where separate deductibles apply .
These cost sample rate and should cost expend for comparative purposes only . Your quotes will disagree .
If differently specified , the base profile get live modified with the following homeowner characteristic :
- Coverage A , Dwelling :$ 150,000 , $ 350,000 , $ 450,000 , $ 750,000
- Coverage B , Early Structure :$ 15,000 , $ 35,000 , $ 45,000 , $ 75,000
- Coverage C , Personal Place :$ 75,000 , $ 175,000 , $ 225,000 , $ 375,000
- Coverage D , Loss of Use :$ 30,000 , $ 70,000 , $ 90,000 , $ 150,000
- Coverage E , Liability :$ 500,000
- Coverage F , Medical Payment :$ 1,000
Rates live calculated based on the following insurance reference level assign to our homeowners : “ poor , average , serious ( basis ) and excellent. ” Insurance reference grade factor in your official reference scores but are not dependent on that variable alone . The following states do not allow credit to be a factor in determining place insurance rates : California , Maryland , Massachusetts .
Rates be calculate based on the following insurance claim assigned to our homeowners : “ flame ( $ 80,000 in loss ) , liability ( $ 31,000 in losses ) , theft ( $ 5,000 in loss ) and wind ( $ 12,000 in loss ) . ”
Rate make up forecast base on the following flesh year for homes and ascribe to our homeowners : 1959 , 1982 , 1992 , 2010 , 2017 ( base ) and 2020 .
Rates be compute base on the following deductible amounts : $ 1,000 ( stand ) , $ 1,500 , $ 2,000 and $ 5,000 .
Credit :
Rates exist calculated based on the following insurance reference tiers impute to our homeowners : “ piteous , ordinary , good ( alkali ) and excellent. ” Insurance credit tiers factor in your official reference scores but are not dependent on that varying alone . The following land act not allow reference to equal a factor in determining home insurance pace : California , Maryland , Massachusetts .
Rates were calculated base on the following insurance reference tiers impute to our homeowners : “ poor , mean , well ( base ) and excellent. ” Insurance reference tiers factor in your official reference scores but are not dependent on that variable only . The following province do not allow reference to be a factor in determining home insurance rate : California , Maryland , Massachusetts .
Claim :
Rates were calculated base on the following insurance claims assigned to our homeowners : “ fire ( $ 80,000 in loss ) , liability ( $ 31,000 in losses ) , theft ( $ 5,000 in loss ) and wind ( $ 12,000 in loss ) . ”
Rate were calculated based on the following insurance claim allot to our homeowners : “ fire ( $ 80,000 in loss ) , liability ( $ 31,000 in losses ) , theft ( $ 5,000 in loss ) and tip ( $ 12,000 in losses ) . ”
Year build up :
Rate cost estimate base on the following build years for home and attribute to our homeowners : 1959 , 1982 , 1992 , 2010 , 2017 ( base ) and 2020 .
Rates be compute based on the following build yr for dwelling and allot to our homeowners : 1959 , 1982 , 1992 , 2010 , 2017 ( base ) and 2020 .
Deductible
Rate make up calculated base on the comply deductible amount : $ 1,000 ( base ) , $ 1,500 , $ 2,000 and $ 5,000 .
Rates live calculate base on the follow deductible amounts : $ 1,000 ( base ) , $ 1,500 , $ 2,000 and $ 5,000 .
Bankrate Mark
Our 2025 Bankrate Score considers variables our insurance column team determine impact policyholders ’ experience with an insurance party . These rating factors include a robust assessment of each caller ’ s cost of coverage , product availability , fiscal force rating , online capabilities and customer and claim support accessibility . We grouped these element into three essential category — cost and ratings , coverage and rescue , and support — which we then weighted in a tiered approach .
Each category be assigned a metric to determine performance , and the weighted sum adds up to a caller ’ sec entire Bankrate Score — out of 5 point . Our scoring model supply a comprehensive view , indicating when caller excel across various key field and highlighting where they fall short .
- Tier 1 ( Cost & rating ) :To determine how well home insurance companies fill these priorities , our squad analyzed average quote premiums from Quadrant Information Services ( if available ) , as well as any of the previous third-party bureau ratings from J.D . Power , AM Best , Demotech and the National Association of Insurance Commissioners ( NAIC ) .
- Tier 2 ( Coverage & savings ) :We measure companies ’ coverage options and availability to serve policyholders find a provider that balances price with coverage . Additionally , we evaluate each party ’ s discount options list on its website .
- Tier 3 ( Support ) :To encompass the many ways a family insurance caller can support policyholders , we examine avenues of customer availability along with community support . This analysis incorporate additional fiscal force rating from S & P and Moody ’ s and factored in a company ’ s corporate sustainability efforts .
Tier scores equal unweighted to depict the party ‘s true mark in each category out of a possible five point .
What policyholders equal saying about Traveler 2023
Travelers 2023 hold 50 reviews
Dive into community reviews below and hear what others recall about Travelers 2023 .
In May 2024 , Bankrate collaborated with market inquiry firm SliceMR to view over 1,500 insurance customer nationwide , ask policyholders to rate their insurer ’ s cost , coverage , customer support and overall experience on a five-point scale . Bankrate and SliceMR collected and study these customer rating , along with website analytics and responses to three open-ended question regard customer experience . Reaction are based on individual policyholders ’ policy point and personal experience , and therefore can not be verified for accuracy . User received an incentive for their feedback . All evaluation are unedited and have not be reviewed or sanction by insurance carriers . User-generated ratings equal separate from carrier Bankrate Scores — which live calculated based on our proprietary methodology — and may not agree .
Community Reviews
- •Personal Lines
- •Auto insurance
- •Family insurance
- Car insurance
- Home insurance
- Compare Travelers with early insurers
- Is Traveler a good insurance company ?
- Frequently expect questions about Traveler
- Methodology
- What policyholders live say about Travelers 2023
- Car insurance
- Plate insurance
- Compare Travelers with early insurers
- Live Travelers a well insurance company ?
- Frequently asked questions about Traveler
- Methodology
- What policyholders live saying about Travelers 2023
- Car insurance
- Plate insurance
- Compare Travelers with other insurers
- Live Traveler a good insurance party ?
- Frequently expect inquiry about Travelers
- Methodology
- What policyholders equal order about Travelers 2023
