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What to Know
Travelers is a solid fit if you want broad coverage options and live where it writes policies. Whether Travelers auto insurance is a good fit also depends on how you plan to buy. It's a weaker fit if you want to compare, choose and purchase entirely online. Travelers doesn't sell car insurance in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia or Wyoming.
Travelers
Best for Hybrids and EVs- Discounts
- 9
- Online Quotes
- Online Policy Purchase
Why We Like Travelers
Travelers is our pick as best for hybrids and EVs. If you're buying a new hybrid or EV, especially on a loan or lease, new car replacement and gap insurance cover the two biggest money problems a total loss can cause. Plus, the company offers a specific hybrid/EV discount. Accident forgiveness adds a cushion against a first at-fault accident raising your bill.
Pros and Cons
Pros
- Offers accident forgiveness
- Offers new car replacement
- Offers gap insurance
Cons
- Can't buy a policy online
Solvable's Take on Travelers Car Insurance
Travelers is the right pick when a plain liability-and-collision policy doesn't fit your situation. It lists limited coverage for rideshare drivers, named non-owner insurance for people who drive without owning a car, and gap insurance for financed or leased vehicles.
Accident forgiveness addresses a hesitation reflected in the data. In JD Power's 2025 claims study, 7% of auto insurance customers said they avoided filing a claim because they feared their rates would rise. Eligibility rules vary, so ask what qualifies before you count on it.
Where Travelers falls short is access. It isn't sold in every state, and you can't buy a policy online. If you're switching insurance carriers on a tight timeline, plan for that step ahead of time.
Travelers Car Insurance Discounts
Discounts vary by state and eligibility, so ask about them directly when you get a quote:
- Multi-policy (bundling)
- Multi-car
- Home ownership
- Safe driver
- Continuous insurance
- Hybrid/electric car
- New car
- EFT
- Pay in full
- Good payer
- Early quote
- Good student
- Student away at school
- Driver training
- Affinity program
- IntelliDrive (usage-based/telematics)
Travelers Car Insurance Coverage
Travelers auto insurance includes the standard coverages plus several add-ons. In addition to the six below, you can purchase uninsured/underinsured motorist, personal injury protection (PIP), medical payments, rental reimbursement, roadside assistance, limited ride sharing and named non-owner coverage from Travelers.
Liability coverage
Liability coverage pays for injuries and property damage you cause to other people. Most states set a minimum, but a lower limit can leave you paying the rest yourself after a crash that you cause.
Collision coverage
Collision coverage pays to repair your own car after a crash, minus your deductible. Your deductible is the amount you pay before coverage starts.
Comprehensive coverage
Comprehensive coverage pays for damage that doesn't come from a crash, such as theft, hail, flooding, fire or hitting an animal.
Gap insurance
Gap insurance covers the difference between what your car is worth and what you still owe on your loan or lease if the car is totaled. Without it, you could still owe the lender money for a car you no longer have.
Frequently Asked Questions
Is Travelers auto insurance good?
Travelers is a solid option if you want broad coverage, including gap insurance, accident forgiveness and new car replacement, and if you live in a state where it sells policies. It's less convenient if you want to finish the whole purchase online, since Travelers only supports online quotes and claims, not online buying. The right move is still to compare quotes, because how well Travelers fits depends on your own driving record and the coverage you actually need.
What states does Travelers not offer car insurance in?
Travelers doesn't sell car insurance in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia or Wyoming. Availability can change, so confirm directly on the company's website.
