Travelers Insurance Review (2026): Ratings, Coverage & Complaints

Last verified October 4, 2026: AM Best rating action (August 21, 2026), J.D. Power 2026 U.S. Auto Insurance Study (June 9, 2026), NAIC 2025 market share report (2026), NJ DOBI 2024 complaint report, Indiana DOI 2025 complaint index, Travelers Q2 2026 results (July 17, 2026) and travelers.com product pages (October 4, 2026).

This Travelers insurance review covers a property-casualty insurer that holds AM Best’s top financial strength rating, A++ (Superior), affirmed on August 21, 2026 with a stable outlook. Travelers sells auto, home, renters, condo, umbrella and boat coverage to individuals, plus a large commercial book. In 2025 it was the fifth-largest U.S. property-casualty group by direct premiums written, per the NAIC.

Travelers at a glance

Ratings and financial strength scores shown reflect publicly available data as of the dates cited. AM Best, NAIC, and J.D. Power ratings change. Verify current ratings directly with the rating agency before making coverage decisions.

What does Travelers insurance cover?

Travelers covers personal auto, homeowners, condo, renters, landlord, umbrella, boat and yacht, valuable items, and wedding and event policies, according to its product menu. Business customers can buy workers’ compensation, commercial auto, general liability and property coverage. Flood, pet, travel and motorcycle policies come from partner insurers through InsuraMatch, a Travelers-owned agency.

On the commercial side, Travelers ranked second nationally in workers’ compensation (6.58% share), commercial auto (5.46%) and other liability (4.66%) in the NAIC’s 2025 market share data. Its company fact sheet also describes surety, fidelity, management liability and professional liability through its Bond & Specialty segment.

Travelers says its quote tool doesn’t offer coverage for risks in Alaska, Florida, Hawaii or Louisiana. Its Florida affiliate, First Floridian Auto and Home, carries a separate A- (Excellent) rating from AM Best.

How much does Travelers insurance cost?

Travelers does not publish average premiums, so your price comes only from a quote online or through one of its independent agents and brokers. What Travelers does publish is a long list of auto discounts and a telematics program, IntelliDrive, that can lower or raise a renewal premium based on how you drive. State rules change which options apply.

Discounts listed on the Travelers car insurance discounts page include:

• Bundling and household: multi-policy, multicar and home ownership.
• Driving record: safe driver (no accidents, violations or major comprehensive claims in the past three to five years) and continuous insurance.
• Vehicle: hybrid or electric vehicle and new car (less than three years old).
• Payment: electronic funds transfer, paid in full and good payer, plus an early quote discount.
• Students: good student (B average or better), student away at school (more than 100 miles) and driver training.

Travelers says nine of them, including early quote, safe driver, multicar and home ownership, aren’t available in California; early quote, safe driver and good payer aren’t available in New York; and good payer isn’t offered in Maryland or Washington.

IntelliDrive is a 90-day smartphone program that tracks time of day, speed, acceleration, braking and phone distraction. Travelers says safe drivers can save up to 30% at renewal (up to 40% in Nevada, 25% in New Jersey and North Carolina). Riskier driving can raise the premium except in DC, Montana, North Carolina and Virginia. You can opt out within 45 days in most states.

Rates and discounts shown are illustrative and based on information published by Travelers. Your actual premium will vary based on your individual risk profile, location, coverage selections, and the insurer’s underwriting criteria. Contact the insurer or a licensed agent for a personalized quote.

Travelers insurance review: what are the pros and cons?

The main strengths in this Travelers insurance review are its A++ (Superior) AM Best rating, a 2026 J.D. Power regional win, a broad discount menu and strong recent earnings. The main drawbacks are limits on where you can buy it, state-by-state discount gaps, a telematics program that can raise rates and an average complaint record in New Jersey.

Pros

• Top financial strength. AM Best affirmed A++ (Superior) on August 21, 2026, and said year-end 2025 surplus rose 11.7% to about $29.4 billion, per its rating action.
• Regional satisfaction. Travelers ranked highest in the New York region of the J.D. Power 2026 U.S. Auto Insurance Study with 657 points.
• Wide discount list. At least 14 auto discounts are listed on travelers.com, from multi-policy to hybrid/EV.
• Strong 2026 results. Second-quarter net income rose to $2.208 billion and the combined ratio improved to 83.6% from 90.3%, per the company’s Q2 2026 release.

Cons

• Not sold everywhere. No Travelers quotes for risks in Alaska, Florida, Hawaii or Louisiana, per travelers.com.
• Discount gaps. Nine discounts aren’t available in California, per the discounts page.
• Telematics risk. IntelliDrive can increase premiums in most states.
• Average New Jersey complaints. A 1.092 index in DOBI’s 2024 report, close to the 1.00 average.

How does Travelers handle claims?

Travelers lets customers report claims 24/7 online, by phone or through the MyTravelers account and app, where claim status can be tracked. Third-party complaint data is mixed but close to average: New Jersey DOBI gave Travelers Group a 1.092 auto complaint index for 2024, and Indiana gave its Standard Fire Insurance Company a 0.87 index for 2025.

A complaint index compares an insurer’s share of valid complaints with its share of the market, so 1.00 is average and lower is better. Travelers ranked 13th of 24 groups in the New Jersey report, with 13 valid complaints across 227,932 insured vehicles. The Indiana index covers one Travelers company, not the whole group. A national NAIC complaint index wasn’t available for this update; check the NAIC’s Consumer Insurance Search.

Frequently Asked Questions

Is Travelers a good insurance company?

Travelers is financially strong: AM Best affirmed its A++ (Superior) rating, the highest available, in August 2026. It ranked highest in the New York region of J.D. Power’s 2026 auto study and posted an average complaint index in New Jersey. Whether it suits you depends on your state and your quote.

What is Travelers’ AM Best rating?

AM Best affirmed the A++ (Superior) financial strength rating and “aa+” long-term issuer credit rating of Travelers’ main insurance subsidiaries on August 21, 2026, with a stable outlook. Its Florida affiliate, First Floridian Auto and Home Insurance Company, holds a separate A- (Excellent) rating.

Does Travelers sell car insurance in every state?

No. Travelers says its quote tool doesn’t offer coverage for risks in Alaska, Florida, Hawaii or Louisiana, and several auto discounts vary by state. In Florida, a separate affiliate rated A- (Excellent) by AM Best writes business. Check availability with Travelers or an independent agent where you live.

How much can IntelliDrive save?

Travelers says safe drivers can save up to 30% at renewal through IntelliDrive in most states, up to 40% in Nevada and up to 25% in New Jersey and North Carolina. The program runs 90 days on your phone, and riskier driving can raise your premium outside DC, Montana, North Carolina and Virginia.

Important disclosures

About Insurance 8020. Insurance 8020 is an independent insurance comparison and education resource. We are not a licensed insurance producer, broker, or agent, and nothing on this page is a recommendation to buy any specific policy or a substitute for professional guidance on your situation. Always review policy documents and consult a licensed professional before making coverage decisions. We may earn a referral fee when you request a quote through our partners, at no cost to you. See how we rate carriers, compare other insurance carriers, or read our guide to lower-cost auto insurance in New Jersey.