Travelers Auto Insurance Review 2026

Travelers Auto Insurance Ratings

Travelers Auto Insurance Overview

Travelers offers auto insurance with a range of standard and optional coverage choices designed to help protect drivers, passengers and vehicles. Coverage availability, limits, deductibles and requirements can vary depending on the state and individual policy.

Auto Insurance Coverage

Travelers provides several common auto insurance coverages along with optional protections for different driving situations.

• Liability coverage includes bodily injury and property damage liability protection and can help pay qualifying claims when the insured is legally responsible for an accident.
• Collision coverage can help pay for covered damage to the insured vehicle after a collision with another vehicle or object, or if the vehicle rolls over.
• Comprehensive coverage can help pay for covered damage from non-collision events such as theft, vandalism, storms or hitting an animal.
• Uninsured and underinsured motorist coverage can help with qualifying damages and medical costs when an accident is caused by a driver who has no insurance or insufficient coverage.
• Personal injury protection (PIP) can help pay qualifying medical expenses and, in some states, lost wages and other covered expenses regardless of who caused the accident.
• Medical payments coverage can help cover qualifying medical expenses for the insured and passengers following a covered accident.
• New Car Replacement is an optional protection that Travelers says can replace an eligible totaled new vehicle with a new vehicle of the same make and model under applicable terms.
• Roadside Assistance can provide qualifying roadside services such as towing and emergency assistance.
• Loan/Lease Gap Insurance may be available as an optional coverage for qualifying vehicles.
• Additional coverage options may be available depending on the customer’s state and policy.

Travelers Auto Insurance Discounts

Travelers offers several auto insurance discounts and savings opportunities. Availability and eligibility can vary by state, policy and customer circumstances.

• Multi-policy discount may be available when eligible insurance policies are bundled with Travelers.
• Multi-car discount may be available when two or more eligible vehicles are insured on one Travelers policy.
• Safe Driver Discount may be available to qualifying drivers with an eligible driving history.
• Continuous Insurance Discount may be available to customers who have maintained continuous auto insurance coverage without gaps.
• Good Student Discount may be available to qualifying students who meet Travelers’ academic and eligibility requirements.
• Student Away at School Discount may be available when an eligible student attends school more than 100 miles from home and does not regularly drive an insured vehicle.
• New Car Discount may be available for qualifying newer vehicles.
• Hybrid/Electric Car Discount may be available to eligible customers with qualifying hybrid or electric vehicles.
• Good Payer, EFT and Paid-in-Full Discounts may provide savings based on qualifying payment arrangements or payment history.
• Driver Training Discount may be available to qualifying young drivers who complete an approved driver education course.
• Additional discounts may be available depending on the customer’s state and circumstances.

Travelers IntelliDrive

IntelliDrive is a Travelers telematics program that uses a smartphone app to evaluate driving behavior. Eligible drivers can receive feedback about their driving and may receive savings based on qualifying driving behavior.

How IntelliDrive Works

• IntelliDrive uses a smartphone app to collect information about driving behavior.
• The program can evaluate factors such as speed, braking, acceleration, time of day and phone use.
• The standard IntelliDrive program uses a 90-day monitoring period.
• Travelers states that safer driving can lead to savings, while riskier driving behavior may result in a higher premium depending on the program and state.
• Individual savings vary and not every policy will receive a savings amount.

Travelers’ current IntelliDrive information states that availability and eligibility vary by state and that enrolled drivers must use a compatible smartphone and the applicable IntelliDrive app.

Travelers IntelliDrive 365

IntelliDrive 365 is a Travelers telematics program that evaluates driving behavior throughout the life of the policy. It provides personalized feedback and can reward qualifying safer driving with savings.

How IntelliDrive 365 Works

• The program uses a smartphone app to capture driving behavior for enrolled drivers.
• Drivers receive personalized feedback and educational tips based on their driving data.
• Travelers states that safer driving habits can lead to savings of up to 35%.
• Riskier driving behaviors may result in a higher premium under applicable program terms.
• Availability and eligibility depend on state and individual circumstances.

Travelers Accident Forgiveness

Accident Forgiveness is a feature of the Travelers Responsible Driver Plan. Travelers states that the feature can forgive one accident within a specified period, helping protect eligible customers from a premium increase resulting from an isolated accident.

Availability, eligibility, qualifying accident rules and applicable terms can vary by state and policy.

Travelers Auto Insurance Claims

Travelers provides online and phone-based tools for filing and managing auto insurance claims. Policyholders can use MyTravelers to file claims and Travelers also allows eligible individuals to file without logging in.

Filing a Travelers Auto Claim

• Travelers policyholders can file claims through their MyTravelers account.
• Eligible customers can also continue as a guest when filing a claim online.
• Customers can call Travelers to report a claim.
• Travelers provides online tools for checking claim status.
• Customers can upload supporting documents and communicate with claim professionals through Travelers’ digital claim tools.
• Travelers offers virtual inspection capabilities for certain auto claims.

Travelers Claims Phone Number

Travelers lists 1-800-252-4633 for individual claims. Travelers states that auto, home and personal property claims can be filed by telephone or online 24 hours a day, 365 days a year.

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Important Information

This page is an independent informational resource and is not affiliated with, endorsed by, or sponsored by Travelers. Insurance coverage, pricing, discounts, eligibility and availability can vary by state, driver, vehicle, policy and other factors. Always verify current details directly with Travelers or a licensed insurance professional.