Explore Travelers car insurance coverage, discounts,
IntelliDrive, Accident Forgiveness, new car replacement,
deductible features and claims services for U.S. drivers.
A look at Travelers auto insurance coverage,
savings programs and optional protection features.
Travelers offers auto insurance policies with a variety
of coverage options and optional features. Depending on
the state and policy, drivers can choose from liability,
collision, comprehensive, uninsured and underinsured
motorist, medical payments and personal injury protection
coverages.
Travelers also offers programs and features such as
IntelliDrive®,
Accident Forgiveness,
Premier New Car Replacement®,
Decreasing Deductible® and
Total Loss Deductible Waiver, subject
to eligibility and state availability.
Up to 30%
Travelers says safer driving through IntelliDrive
can lead to savings of up to 30% at renewal,
depending on state and program.
Up to 35%
IntelliDrive 365 can provide up to 35% savings at
renewal for safer driving behaviors where available.
$500
Maximum stated Decreasing Deductible credit under
the applicable Premier Responsible Driver Plan.
Travelers Auto Insurance Coverage
Common coverage options and additional protection
available through Travelers.
01
Bodily Injury Liability
Helps cover eligible injury-related expenses for
other people when you are legally responsible for
a covered accident, subject to policy limits.
02
Property Damage Liability
Helps pay for eligible damage to another person’s
vehicle or property when you are legally responsible
for a covered accident.
03
Collision Coverage
Helps pay for covered damage to your vehicle resulting
from a collision with another vehicle or object.
04
Comprehensive Coverage
Helps cover eligible damage caused by events other
than collision, such as theft, vandalism, weather
events and animal-related losses.
05
Uninsured Motorist
Can help protect eligible drivers when an accident
involves an uninsured motorist or certain
hit-and-run situations.
06
Underinsured Motorist
Can provide additional protection when the at-fault
driver’s insurance is not sufficient to cover eligible
accident-related expenses.
07
Medical Payments
Can help pay eligible medical expenses for covered
individuals following a covered automobile accident.
08
Personal Injury Protection
In states where available or required, PIP can help
cover eligible medical expenses and may also cover
certain lost wages and related expenses.
09
Rental Coverage
Can help cover eligible rental transportation expenses
while your vehicle is being repaired after a covered
loss.
Premier New Car Replacement®
Travelers states that Premier New Car Replacement can
replace a new vehicle with a new vehicle of the same
make and model if it is totaled during the first five
years of ownership, subject to policy terms and
eligibility.
Loan or Lease Gap Insurance
Optional loan or lease gap coverage can help address
the difference between the amount owed on an eligible
vehicle loan or lease and the vehicle’s covered value
after a qualifying total loss.
Roadside Assistance
Travelers offers roadside assistance as an optional
auto insurance feature for eligible customers.
Limited Ridesharing Coverage
Travelers offers limited ridesharing coverage in
certain situations and states. Availability and
eligibility vary, and the coverage is not available
in all states.
Travelers Auto Insurance Discounts
Travelers lists several potential discounts. Eligibility
and availability vary by state and customer circumstances.
●
Multi-Policy
Customers may qualify for savings by combining
eligible Travelers insurance policies.
●
Multi-Car
Households insuring two or more eligible vehicles
on one Travelers policy may qualify for a discount.
●
Safe Driver
Drivers with qualifying accident and violation
histories may be eligible for a safe driver discount.
●
Continuous Insurance
Customers who maintain continuous auto insurance
coverage without gaps may qualify for savings.
●
Home Ownership
Eligible homeowners or condo owners may qualify
for a Travelers auto insurance discount.
●
Hybrid / Electric Vehicle
Eligible customers who own or lease a qualifying
hybrid or electric vehicle may receive a discount.
●
New Car
Customers with a qualifying new vehicle or a vehicle
less than three years old may be eligible for a
new-car discount.
●
Good Student
Qualifying students may receive a good student
discount based on Travelers’ eligibility requirements.
●
Pay in Full
Eligible customers may receive savings by paying
their auto insurance premium in full.
●
EFT / Good Payer
Travelers lists potential savings associated with
electronic funds transfer and consistently paying
premiums on time, subject to state rules.
Travelers IntelliDrive®
IntelliDrive is Travelers’ telematics program that uses
a smartphone app to evaluate selected driving behaviors.
Safer driving can lead to savings, while in some states
riskier driving may result in a higher premium.
Safe Driving
Travelers says safer driving habits can result
in savings under eligible IntelliDrive programs.
Speed
The program can evaluate driving speed as one
factor in determining driving performance.
Braking
Hard braking events may be captured by the
IntelliDrive smartphone application.
Acceleration
Acceleration behavior is one of the driving
factors that can be evaluated.
Time of Day
The program can consider when driving occurs
as part of its driving-performance evaluation.
Distraction
The app can evaluate certain phone-related
distraction behavior while driving.
Potential savings:
Travelers says IntelliDrive can lead to savings of up
to 30% at renewal for safer driving in applicable
programs. In certain states, the maximum can differ.
Program availability, eligibility and premium impact
vary by state.
IntelliDrive 365:
Travelers’ IntelliDrive 365 program evaluates driving
behavior throughout the life of the policy. Travelers
states that safer driving can result in savings of up
to 35% at renewal, while riskier driving habits may
result in a higher premium.
Travelers Auto Insurance Features
Optional protection features that can be added to
eligible Travelers auto policies.
01.
Accident Forgiveness
Accident Forgiveness can help prevent a premium
increase after a qualifying accident when the
feature is included and available in the state.
02.
Minor Violation Forgiveness
Travelers’ Responsible Driver Plan can include
Minor Violation Forgiveness, which may help
protect against a premium increase following
a first qualifying minor violation.
03.
Decreasing Deductible®
Under the Premier Responsible Driver Plan,
eligible customers can earn a deductible credit
for qualifying accident- and major-violation-free
periods, up to $500.
04.
Total Loss Deductible Waiver
This feature can waive an eligible physical damage
deductible when a covered vehicle is totaled,
subject to policy terms and state availability.
05.
Premier New Car Replacement®
Travelers says eligible coverage can replace a
qualifying new vehicle with a new vehicle of the
same make and model when the vehicle is totaled
during the first five years of ownership.
06.
Roadside Assistance
Optional roadside assistance can provide eligible
emergency services for common roadside situations.
07.
Loan / Lease Gap Insurance
Gap coverage can help address the difference
between an eligible vehicle’s covered value and
the amount owed on a qualifying loan or lease.
08.
Ridesharing Coverage
Travelers offers limited ridesharing coverage
in qualifying circumstances and states for
drivers who use their vehicle for ridesharing.
Travelers Auto Claims
Customers can use Travelers’ claims resources to
report and manage eligible auto insurance claims.
1
Stay Safe
After an accident, move to a safe location when
possible and contact emergency services when
necessary.
2
Report the Claim
Report your eligible claim through Travelers’
available claims channels.
3
Provide Details
Provide information about the accident, vehicles,
drivers and damage as requested.
4
Repair & Follow Up
Use Travelers’ claims and repair resources while
your claim is reviewed and processed.
Explore Travelers Auto Insurance
Visit Travelers’ official website to review current
coverage options, discounts, IntelliDrive programs
and quote information.
What types of auto insurance does Travelers offer?
Travelers offers common auto insurance coverages
including liability, collision, comprehensive,
uninsured and underinsured motorist, medical
payments and personal injury protection where
applicable. Optional coverages include rental,
roadside assistance, loan/lease gap insurance and
new car replacement.
Does Travelers offer car insurance discounts?
Yes. Travelers lists potential discounts including
multi-policy, multi-car, safe driver, continuous
insurance, home ownership, hybrid/electric vehicle,
new car, good student and payment-related discounts.
Availability varies by state and eligibility.
What is Travelers IntelliDrive?
IntelliDrive is Travelers’ telematics program that
uses a smartphone application to evaluate selected
driving behaviors such as braking, acceleration,
speed, time of day and distraction. Safer driving
can lead to savings, while riskier driving may
affect premiums in applicable states.
How much can IntelliDrive save?
Travelers states that safer driving through
IntelliDrive can result in savings of up to 30%
at renewal in applicable programs. The maximum
can differ by state and individual savings vary.
What is IntelliDrive 365?
IntelliDrive 365 is a Travelers telematics program
that evaluates certain driving behaviors throughout
the policy. Travelers states that safer driving can
result in savings of up to 35% at renewal, while
riskier driving may result in a higher premium.
Does Travelers offer Accident Forgiveness?
Yes. Travelers offers Accident Forgiveness as an
optional feature for qualifying customers. It can
help avoid a rate increase following a qualifying
accident, subject to state availability and policy
requirements.
What is Travelers Premier New Car Replacement?
Travelers states that Premier New Car Replacement
can replace a qualifying new vehicle with a new
vehicle of the same make and model if the vehicle
is totaled during the first five years of ownership,
subject to policy terms and eligibility.
What is Travelers Decreasing Deductible?
Under the Premier Responsible Driver Plan, eligible
customers can earn a deductible credit for qualifying
accident- and major-violation-free periods. Travelers
states that the credit can reach a maximum of $500.
How can I get a Travelers auto insurance quote?
You can visit Travelers’ official car insurance website
to explore quote options, coverage choices and available
discounts, or contact a Travelers representative or
independent agent.
Disclaimer:
This page is provided for informational purposes only and is
not an insurance quote, policy offer or binding contract.
Coverage, discounts, rates, eligibility, availability and
policy terms vary by state and individual circumstances.
The terms and conditions of the actual insurance policy
control. Always confirm current information directly with
Travelers or a licensed insurance professional.
