Travelers Insurance Review

Travelers Insurance is one of the most established and respected insurance companies in the United States, with more than 165 years of continuous service. As one of the nation’s largest property and casualty insurers, Travelers provides a full range of personal and business insurance solutions built on financial strength and stability.

Travelers offers coverage for nearly every stage of life and business—auto insurance, home insurance, landlord and marine insurance, plus commercial auto and a broad portfolio of business insurance products. With a reputation for consistency, expertise, and innovation, Travelers remains one of the most trusted names in insurance today.

Travelers is available in all the states where IronPoint operates. The table below shows popular policies by state.

State	Auto	Property	Umbrella	Marine	Commercial Auto	Business	Wedding
Arizona
California
Nevada
Texas
Utah
Washington

Available

Third-party sites publish sample averages for Travelers. They’re useful for ballpark context, but they’re not a quote—your rate still depends on drivers, vehicles, coverages, and ZIP-level factors.

Ranges synthesized from recent snapshots of Travelers’ averages (e.g., ~$151–$183/mo full; ~$57–$66/mo minimum) reported by LendingTree, NerdWallet, Bankrate, and MarketWatch. Figures vary by state and profile and should be treated as directional only.

What moves your Travelers price

• Vehicle details: model, repair costs, safety/anti-theft equipment.
• Driver profile: age, tenure, accidents/violations, prior insurance.
• Where you garage: ZIP-level loss trends, theft, weather, traffic density.
• How you use it: commute vs. occasional use, annual miles, business/rideshare (if applicable).
• Limits & deductibles: liability levels, comp/collision choices, add-ons (rental, roadside, gap).
• Discounts: multi-policy, safe driver, telematics, paperless/EFT, homeownership (varies by state).
• Household mix: number of drivers/vehicles; youthful or newly licensed operators.
• Insurance/credit score (where allowed): scoring models used in many states can affect price.

Bottom line: averages set expectations; your best rate comes from a quote built around your exact drivers, vehicles, coverages, and state rules.

Travelers offers a broad set of car insurance coverages. Availability and names can vary by state, but these are the most common options:

• Liability Insurance (BI&PD) — Pays for injuries or property damage you cause to others in an at-fault accident.
• Medical Payments / Personal Injury Protection (MedPay & PIP) — Helps with medical expenses (and in some states lost wages) for you and your passengers, regardless of fault.
• Uninsured / Underinsured Motorist (UM/UIM) — Covers you if you’re hit by a driver with no insurance or not enough insurance.
• Collision — Pays to repair or replace your vehicle after a crash, regardless of fault.
• Comprehensive — Covers non-collision losses like theft, vandalism, fire, weather, or falling objects.
• Emergency Roadside Service — Towing, jump starts, lockout assistance, and other roadside help.
• Rental Reimbursement — Helps pay for a rental car while your vehicle is in the shop for a covered claim.
• Mechanical Breakdown Insurance (MBI) — For newer vehicles; helps cover certain major mechanical repairs beyond warranty.

Pro Tip: Planning to drive into Mexico? Your U.S. auto policy typically doesn’t meet Mexican insurance requirements. Ask us about Mexico auto insurance before you go—we can protect your trip with the right policy for short or long stays.

Travelers rewards safe driving, smart policy management, and long-term loyalty through a mix of auto insurance discounts. Availability and eligibility vary by state, but these are among the most common ways to save:

• Multi-policy discount — Save when you bundle auto with home, umbrella, or other coverage types.
• Multi-car discount — Insure more than one vehicle under the same policy for added savings.
• Homeownership discount — Homeowners qualify even if their home isn’t insured with Travelers.
• Safe driver discount — Clean driving history earns lower rates and long-term savings.
• Continuous insurance discount — Stay insured without gaps to maintain preferred pricing.
• Hybrid/electric car discount — Environmentally friendly vehicles may qualify for added savings.
• New car discount — Newer, safer vehicles can qualify for reduced premiums.
• Electronic funds transfer (EFT) discount — Save when you pay automatically through EFT.
• Early quote discount — Get rewarded when you shop ahead of your renewal date.
• Good student discount — Full-time students with strong grades qualify for reduced rates.
• Student away at school discount — Students living at school without a car may be eligible.
• Driver training discount — Completing an approved defensive driving course can help lower your rate.

If you’re unsure which discounts apply, your IronPoint agent can review eligibility and help identify every available savings opportunity.

Travelers Insurance is among the most established and financially secure commercial insurers in the United States, earning consistent A++ “Superior” ratings from AM Best. As one of the nation’s top writers of business insurance, Travelers has a long history of innovation—dating back to insuring the first automobile policy and even providing coverage for the Space Shuttle program. That commitment to progress continues today through industry-leading products, risk control, and claims expertise tailored to protect modern businesses.

Travelers offers a wide range of commercial insurance solutions to help businesses manage risk, maintain continuity, and grow with confidence:

• Business Owner’s Policy (BOP): Combines property and liability protection for small to midsize businesses in one streamlined policy.
• Commercial Property Insurance: Covers buildings, equipment, and business personal property against covered losses like fire, theft, or weather events.
• General Liability Insurance: Protects your business from third-party injury or property damage claims arising from everyday operations.
• Commercial Auto Insurance: Provides liability and physical damage coverage for vehicles used in business operations.
• Workers’ Compensation: Helps cover employee injuries or illnesses sustained on the job and ensures compliance with state regulations.
• Professional Liability (E&O): Protects against claims of negligence or errors in professional services.
• Cyber Liability Insurance: Offers protection from data breaches, cyberattacks, and privacy-related losses.
• Employment Practices Liability (EPLI): Covers claims arising from workplace issues such as discrimination, harassment, or wrongful termination.
• Commercial Umbrella: Provides an extra layer of liability protection above underlying business policies.
• Inland Marine Insurance: Protects tools, equipment, and property in transit or at job sites.
• Surety Bonds: Guarantees performance or compliance on contracts and other obligations.
• Industry-Specific Programs: Custom packages for sectors such as construction, technology, manufacturing, retail, healthcare, and more.

With its deep financial resources and broad underwriting expertise, Travelers remains one of the most trusted names in commercial insurance—helping businesses of all sizes navigate risk with confidence and stability.

Our Rating: 4 out of 5

Our 4-star review reflects both public data and our direct experience working with Travelers Insurance. As one of the nation’s largest and most financially secure insurers, Travelers carries an A++ “Superior” rating from AM Best and a reputation built on more than 165 years of consistent performance. Travelers is widely regarded as a premium brand—known for its exceptional coverage options, strong claims capabilities, and top-tier customer experience.

As a true multiline carrier, Travelers simplifies the insurance experience by offering auto, home, landlord, marine, umbrella, and business insurance under one roof—making it easy for customers to bundle and save. It’s also a leader in the commercial insurance market, serving a broad range of industries with innovative products and outstanding risk management resources.

While some customer surveys, such as J.D. Power, note average service scores, these results often reflect differences among insurance agencies rather than shortcomings at Travelers itself. Like most large insurers, Travelers receives occasional negative claims feedback, but in our experience, its claims handling ranks among the best in the industry—particularly for complex property and business losses.

Supporting signals: Travelers maintains an A++ (Superior) financial strength rating from AM Best with a stable outlook. The company consistently ranks among the top U.S. commercial insurers and continues to invest in technology, risk control, and customer service improvements across its personal and business lines.