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2022 Passenger Auto Insurance Review

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Travelers Insurance is one of the largest providers of home and auto insurance in the country.

In this review, we’ll take a look at the auto insurance coverage travelers have offered, the discounts you can expect, the company’s customer satisfaction ratings, and more.

Use our jump links below to get going.

What coverage options does travelers’ insurance offer?

Travelers Insurance offers the most common type of insurance coverage offered by its competitors (see the list of standard insurance offerings below). It also has several optional packages listed below.

Standard auto insurance coverage

  • Responsibility
  • Full
  • Collision
  • Protection against injuries
  • Uninsured and underinsured motorist
  • Medical payments

Optional auto insurance coverage

  • Carpooling insurance: This is available in Illinois and Colorado for people who drive for Uber, Lyft, or another company providing the same service.
  • IntelliDrive: This app tracks your driving speed and habits. If you get good results, you can get a big discount on your policy.
  • First new car replacement: If you are in a serious accident before your car is five years old, this coverage pays to replace your vehicle with a brand new one. It also includes GAP insurance to pay off any rental or loan balance if the car is totaled.
  • GAP loan or rental insurance: When you have an accident while you still owe money on the car, GAP coverage will pay the difference between the actual cash value of your vehicle and the unpaid portion of your rental or loan.
  • First new car replacement: With this type, you get new car replacement coverage, GAP loan or rental coverage, and window deductible.
  • Remission diet in the event of an accident: The advantage for you is that the forgiveness program cancels the increase in your rates following a responsible accident.

How will a passenger auto insurance policy benefit me?

Auto Insurance Claim Form

As one of the leaders in the insurance policy market, Travelers offers its customers very affordable rates. Because the business has been around for a long time and its financial strength is excellent, you can save money on your annual auto insurance premium.

On the other hand, there are complaints about unpaid and denied claims, which can reduce confidence in this business. Yet most insurers receive reviews from dissatisfied customers and those whose claims have been denied.

Keep this in mind when choosing the right business for you. Before deciding if it’s right for you or not, look for different quotes.

Discounts on car insurance for other travelers

  • Multi-policy
  • Multi-car
  • Safe driver
  • Home ownership
  • New car
  • Owning or renting a hybrid car
  • Driver training
  • Student at school
  • Electronic payment, in advance or on time
  • High school or college drivers who maintain a “B” average or better
  • Have no gaps in coverage
  • Affinity group discount for membership in specific organizations

How much does it cost for passenger auto insurance?

The cost of Travelers auto insurance is average compared to other companies. For example, State Farm and Allstate offer medium to high insurance rates.

RELATED STORIES: Liberty Mutual Auto Insurance Review for 2022

Demographic groups that get the lowest rates

Senior adult woman Driving an insured car

According to The Zebra, the average monthly rate for a Travelers insurance policy costs $ 114. However, you might get a different quote depending on your age, gender, and the state you live in.

The Savvy chart below takes a closer look at how gender and marital status can affect your annual Travelers auto insurance rates on average. Learn more about Savvy’s methodology.

Average annualized rates for passenger insurance
age range Genre Civil status Value
25 to 34 female married $ 2,172.83
25 to 34 female Single $ 2,191.01
25 to 34 Male married $ 2,080.19
25 to 34 Male Single $ 2,007.97
35 to 49 female married $ 2,741.51
35 to 49 female Single $ 2,524.48
35 to 49 Male married $ 2,666.27
35 to 49 Male Single $ 2,889.47
50 to 69 female married $ 3,745.00
50 to 69 female Single $ 1,999.29
50 to 69 Male married $ 3,276.53
50 to 69 Male Single $ 2,033.80

Source: Savvy

What impacts my traveller’s auto insurance quote?

Of course, a wide range of factors other than age, gender, and marital status can affect your quote. Let’s take a closer look.

Site

The state you live in can have a significant impact on the amount you pay for Travelers auto insurance. Additionally, your driving and credit history, as well as your address, can also affect fares. For example, if you live in a large city with a high crime rate, this can affect your insurance quote.

DUI

Like other insurers, Travelers increases rates after a DUI violation. According to autoinsurance.org, drivers can expect their Travelers auto insurance policy to skyrocket to $ 2,300 following a DUI. It may take you up to five years for travelers to remove the penalty.

Car accident

Car accident involving a rear collisionCar accidents are no different. In this case, if Travelers insures you, you may have to wait five years for your insurance premium to return to the pre-accident level.

Autoinsurance.org says drivers can expect their rate to drop from $ 3,448 to $ 4,290.

Credit score

Insurance companies assess creditworthiness by checking an individual’s credit rating. By law, these four states do not check credit for auto policies: California, Hawaii, Massachusetts, and Michigan.

According to The Zebra, if your credit rating is bad, you can expect to pay up to 165% more on average than someone with an exceptional credit rating.

How satisfied are travelers’ customers?

Consumer traveler reviews show the company is responding quickly. In addition, the communication between customers and customer service is good. However, some consumers rate travelers below average in most areas for customer satisfaction.

The National Association of Travel Insurance Commissioners’ rating for 2020 was 0.43, meaning the company receives nearly half as many customer complaints as the average.

Auto insurance call after an accident

JD power ratings are below average

However, the 2021 JD Power study of auto insurance in the United States of some 40,000 drivers ranked traveler customer satisfaction below average. The study uses five criteria: billing process and policy information, claims, interaction, policy offerings, and pricing.

In the study, travelers scored well below average customer satisfaction. For example, it ranked below average in the following regions: Mid US, Florida, Mid Atlantic, New England, North Central, Southeast, and Southwest. It only came in above average in New York.

Overview and history of travelers

Travelers Insurance is a company with a rich history. James Batterson founded the company in 1864. At that time, the company insured rail and steamboat travelers across the country. At the time, it was a risky business and few companies insured this type of Travelers.

Another interesting fact: do you know who wrote the first auto insurance policy in 1897? If your answer is Travelers, you are correct. Travelers Insurance has proven to be a financially stable business that can pay off policies over the years. The company is present in the United States, United Kingdom, Canada, Brazil and Ireland, with more than 30,000 employees. Annual travelers’ revenues in 2020 were just under $ 32 billion, an increase of 1.27% year-over-year.

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