Is Travelers Auto Insurance Good for New York Drivers?

Last Updated on October 4, 2026 by James Shaffer

Travelers is a large national property and casualty insurer that offers auto insurance to New York drivers through independent agents and other available sales channels. Its policies can include New York’s required liability, no-fault and uninsured motorist coverage, along with optional protections such as collision, comprehensive, gap coverage, rental reimbursement and roadside assistance.

Whether Travelers is a good fit for you depends on its price, coverage options and underwriting for your specific household. New York regulators note that auto insurance rates can vary considerably among companies, so it is worth comparing Travelers with several other car insurance companies in New York using the same limits and deductibles.

About Travelers

Travelers traces its history to 1864, when the Travelers Insurance Company was founded in Hartford, Connecticut. According to the company’s corporate history, Travelers issued an automobile insurance policy in 1897. The modern Travelers organization was formed after the merger of St. Paul and Travelers in 2004, and the company adopted The Travelers Companies, Inc. name in 2007.

Today, Travelers is a major property and casualty insurer offering personal, business and specialty insurance. The company sells much of its coverage through independent agents and brokers.

How Much Does Travelers Car Insurance Cost in New York?

There is no single Travelers rate that represents what New York drivers will pay. Premiums can vary based on factors such as where the vehicle is garaged, the drivers on the policy, driving history, annual mileage, vehicle characteristics, selected limits and deductibles, and other rating factors permitted under New York law.

The New York State Department of Financial Services says rates can vary considerably from one insurer to another and encourages consumers to obtain multiple quotes. That makes comparison shopping more useful than assuming Travelers, GEICO, Allstate or another insurer will always be cheapest.

New York insurers may also use consumer credit information in certain underwriting and rating decisions, subject to state restrictions. According to DFS, an insurer cannot reject an application solely because of credit information and cannot use credit information to terminate a policy or increase a renewal premium. If credit information is used, specific consumer disclosure requirements apply.

New York Renewal Premium Explanations

New York added new premium-transparency requirements effective August 24, 2026. For covered private-passenger auto policies, an insurer generally must provide an explanation of the primary rating factors when a renewal premium increase exceeds 10%, excluding increases attributable to added insured value. Policyholders receiving a renewal increase can also request a written explanation from their insurer. The New York DFS explains the requirements here.

What Coverage Does Travelers Offer in New York?

Travelers offers the major car insurance coverage types needed to build an auto policy. However, New York law determines which coverages must be included, while optional Travelers features may depend on eligibility, underwriting company and policy form.

Required New York Auto Insurance

According to the New York State Department of Financial Services, a New York auto policy must include liability insurance, basic no-fault coverage and uninsured motorist protection.

• Bodily injury liability: At least $25,000 for bodily injury to one person and $50,000 for bodily injury to two or more people in an accident. Different minimum limits apply when an injury results in death. Learn more about bodily injury liability coverage in New York.
• Property damage liability: At least $10,000 per accident for damage for which the insured is legally responsible. Learn more about property damage liability coverage.
• No-fault/PIP: Basic New York no-fault coverage provides up to $50,000 per person for covered economic losses such as medical expenses and lost earnings, regardless of fault, subject to the law and policy terms.
• Uninsured motorist coverage: New York also requires bodily injury protection for qualifying accidents involving uninsured or hit-and-run vehicles, with minimum limits corresponding to the state’s required bodily injury limits.

New York’s no-fault system does not mean fault is irrelevant after every accident. No-fault primarily addresses covered injury-related economic losses. Liability for vehicle and other property damage still depends on fault, and injured people may have additional rights against an at-fault party in qualifying situations. See our guide to what happens when you are not at fault in an accident.

Basic personal injury protection is therefore not an optional substitute for New York’s no-fault requirement. Drivers can, however, consider optional Additional PIP and other higher coverage limits.

Collision and Comprehensive Coverage

Travelers offers optional comprehensive coverage and collision coverage. Collision can help pay for covered damage to your vehicle from a collision, while comprehensive generally applies to covered non-collision losses such as theft, vandalism, weather damage and certain animal-related losses.

These coverages are optional under New York insurance law, although a lender or leasing company may require them while you finance or lease a vehicle.

Gap, Rental and Roadside Coverage

Travelers also lists several additional coverage options, including loan/lease gap insurance, rental reimbursement and roadside assistance. Gap insurance can help cover the difference between a vehicle’s covered total-loss value and the remaining loan or lease balance, subject to policy terms and limits.

Travelers New Car Replacement

Travelers currently advertises Premier New Car Replacement coverage that can replace an eligible totaled vehicle with a brand-new vehicle of the same make and model if the covered total loss occurs during the first five years of ownership. Travelers states that the vehicle must satisfy eligibility requirements, including original ownership, and comprehensive and collision coverage must be carried for the new-car replacement protection to apply.

This is different from some older descriptions of the product that referred to only the first year of ownership. Availability and exact terms can vary, so review the policy documents before buying. Learn more about new car replacement coverage.

Travelers Auto Insurance Discounts in New York

Travelers advertises numerous auto insurance discounts, but availability varies by state and eligibility. Potential savings include multi-policy, multi-car, homeownership, continuous insurance, hybrid/electric vehicle, new-car, electronic-payment, pay-in-full, good-student, student-away-at-school and driver-training discounts.

Travelers specifically states that its Early Quote, Safe Driver and Good Payer discounts are not available in New York. Because eligibility can change and not every discount applies to every policy, ask the insurer or agent which discounts are included in your quote.

Some commonly available ways to reduce premiums may include bundling auto insurance with another policy, qualifying as a homeowner, maintaining qualifying grades for a good-student discount, or completing an approved defensive driving course. Travelers’ New York discount offerings should be confirmed when you request a quote.

Although Travelers discusses a good driver discount as a general insurance concept, its current discount page specifically says the Travelers Safe Driver Discount is unavailable in New York.

Does Travelers Offer IntelliDrive in New York?

No current Travelers IntelliDrive program lists New York as an available state. Travelers’ current IntelliDrive program page lists participating states for its telematics products, and New York is not among them.

This means New York drivers should not assume they can receive a Travelers discount by enrolling in IntelliDrive. Travelers may change state availability over time, so check the insurer’s current program information when shopping. You can also learn how telematics insurance programs generally work.

Does Travelers Offer Accident Forgiveness?

Travelers offers optional accident forgiveness through its Responsible Driver Plan in states and policies where the feature is available. Rather than promising forgiveness on a fixed schedule, Travelers describes the feature as forgiving one qualifying accident over a specified period. Its Premier Responsible Driver Plan can also include additional features, subject to eligibility and state availability.

Check your quote or ask an agent whether the feature is available on the specific New York policy you are considering. See our guide to whether accident forgiveness is worth buying.

Travelers’s Complaint Record in New York

New York’s Department of Financial Services ranks auto insurers every year by upheld complaints per $1 million of premiums. A complaint is upheld when DFS agrees the insurer handled something wrong, such as a late no-fault payment or an improper nonrenewal. The 2025 report covers complaints closed in 2024 and ranks 128 companies. Across all of them combined, the ratio was 0.0341.

Company	Rank (of 128)	Upheld Complaints	Complaint Ratio
Travelers Indemnity Company of Connecticut	40	0	0.0000
Travelers Home and Marine Insurance Company	54	1	0.0125
Travelers Personal Insurance Company	64	12	0.0231
Travelers Personal Security Insurance Company	87	3	0.0609
Travelers Commercial Insurance Company	102	1	0.1286
Travelers Property Casualty Company of America	106	3	0.1476
Travelers Property Casualty Insurance Company	124	1	2.5520

Taken together, the seven Travelers companies had 21 upheld complaints on about $680 million of yearly New York auto premiums, a combined ratio of 0.0309. That’s better than the 0.0341 figure for the whole market. In the previous report (complaints closed in 2023), the same companies had 19 upheld complaints and a ratio of 0.0314, against 0.0275 for all insurers that year.

Those premiums add up to 3.7% of the private passenger auto premiums counted in the DFS report. That share is our own calculation from the DFS figures, not an official market share number, but it gives a rough sense of how much of the New York market Travelers insures.

DFS points out that the ranking counts only complaints filed with the department, and that one or two extra upheld complaints can move a smaller insurer a long way. Use it alongside price, coverage and claims service, and match it to the company named on your quote or declarations page.

Is Travelers Financially Stable?

Travelers has strong financial-strength ratings. On its current financial strength page, Travelers reports an A++ rating from AM Best for the Travelers Reinsurance Pool, whose lead operating company is The Travelers Indemnity Company. AM Best uses financial-strength ratings to assess an insurer’s ability to meet its ongoing insurance obligations.

A financial-strength rating is useful when evaluating an insurer, but it does not guarantee how an individual claim will be handled or whether a particular policy is the right choice for you. Learn more about evaluating an auto insurance company’s financial stability.

Travelers Customer Service and Claims

Travelers gives personal insurance customers several ways to manage a policy or claim. Through MyTravelers, policyholders can access insurance cards, review policy information, make payments, file a claim and track an existing claim.

Travelers currently lists personal insurance policy and billing service at 1-888-564-5043, with service available 24 hours a day, 365 days a year. Auto and other personal-property claims can be reported online or by calling 1-800-252-4633. Travelers says claim reporting is available 24/7.

Travelers also works with independent insurance agents throughout New York. This may appeal to drivers who prefer having an agent help compare limits, deductibles, endorsements and discounts instead of purchasing an entire policy without assistance.

Travelers Company Information

Company Detail	Information
Parent company	The Travelers Companies, Inc.
Founded	1864
Stock symbol	NYSE: TRV
Primary business	Property and casualty insurance for individuals and businesses
New York personal auto insurance	Available, subject to underwriting and eligibility
AM Best rating	A++ for the Travelers Reinsurance Pool, according to Travelers’ current financial-strength page
Personal policy service	1-888-564-5043
Personal claims	1-800-252-4633
Website	Travelers.com

The specific insurance company underwriting your policy may be a Travelers subsidiary rather than the publicly traded parent company itself. Check the declarations page and policy documents for the exact underwriting company.

How to Decide Whether Travelers Fits Your Needs

Travelers is one of several established insurers available to New York drivers, with standard required coverage, several optional protections, numerous potential discounts and strong financial-strength ratings. Those characteristics alone do not determine whether it will be your best-priced or best-fitting policy.

Before buying, compare Travelers with at least two or three other insurers. Keep the liability limits, deductibles, collision and comprehensive coverage, uninsured motorist protection and optional endorsements as similar as possible. Then compare the total premium, exclusions, discounts, payment terms and service options rather than choosing solely on the advertised price.

FAQs on Travelers Auto Insurance in New York