This Travelers Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the home & auto insurance complaint record for the subsidiary companies of Travelers insurance group, to determine whether each subsidiary, such as Travelers Home & Marine Insurance Company or Standard Fire Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.
I’ll also look at the JD Power ratings for Travelers auto & homeowner insurance pricing, and increases & decreases in market share (as measured by annual written premiums) for each Travelers subsidiary, as a possible indication of high or low insurance rates. In addition, I’ll review the AM Best Financial Strength Ratings for the Travelers insurance companies, too.
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The detailed information in this review, and my review of the JD Power auto & homeowners customers & claims satisfaction ratings for Travelers Insurance, compare Travelers auto & homeowners insurance to the industry average and competing companies for customer service, customer complaints, claims processing performance, and insurance rates, but if you don’t want to read all the details, you can go to my review here, to see at a glance if Travelers consistently performs better than average, average, or worse than average for customer service, claims, complaints, and pricing, and compare Travelers to over 40 other U.S. auto & home insurance companies.
If you find this review useful, please like it on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as the latest complaint data becomes available.
Travelers Auto & Home Insurance Customer Complaints, Pricing, & Ratings Review
The Travelers Insurance companies sell auto & home insurance in most of the US states, through a network of 13,000 independent insurance agent offices located throughout the USA. Auto insurance price quotes can be obtained through the Travelers website, or by using the ads at the top and bottom of this review.
This Travelers Insurance review is divided into four sections, consisting of: 1. AM Best Financial Strength Ratings for the Travelers insurance companies, 2. its auto insurance customer complaint record, 3. its home insurance customer complaint record, and 4. the competitiveness of Travelers auto & home insurance rates compared to other major auto & home insurance companies.
1. AM Best Financial Strength Ratings for the Travelers insurance companies
The following Travelers subsidiaries (excluding the St. Paul & American Equity brands): Automobile Insurance Company of Hartford, Connecticut; Charter Oak Fire Insurance Company; Discover Property & Casualty Insurance Company; Discover Specialty Insurance Company; Farmington Casualty Company; Fidelity and Guaranty Insurance Underwriters, Inc.; Fidelity and Guaranty Insurance Company; Gulf Underwriters Insurance Company; Northfield Insurance Company; Northland Casualty Company; Northland Insurance Company; Phoenix Insurance Company; Select Insurance Company; Standard Fire Insurance Company; TravCo Insurance Company; Travelers Casualty Company; Travelers Casualty Company of Connecticut; Travelers Casualty Insurance Company of America; Travelers Casualty and Surety Company of America; Travelers Casualty and Surety Company; Travelers Commercial Casualty Company; Travelers Commercial Insurance Company; Travelers Constitution State Insurance Company; Travelers Excess and Surplus Lines Company; Travelers Home and Marine Insurance Company; Travelers Indemnity Company of America; Travelers Indemnity Company; Travelers Indemnity Company of Connecticut; Travelers Lloyds Insurance Company; Travelers Lloyds of Texas Insurance Company; Travelers Personal Insurance Company; Travelers Personal Security Insurance Company; Travelers Property Casualty Company of America; Travelers Property Casualty Insurance Company; and United States Fidelity and Guaranty Company had their A++ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 5/28/2015, and they have maintained this rating since their rating was upgraded from A+ in 2014. A++ is the highest rating for AM Best.
The Travelers insurance subsidiary, Premier Insurance Company of Massachusetts, had its A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 5/28/2015, a rating it has maintained for six years or more. A is the third highest rating for AM Best.
The Travelers insurance subsidiary, First Floridian Auto and Home Insurance Company, had its A- (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 5/28/2015, a rating it has maintained for six years or more. A- is the fourth highest rating for AM Best.
I become concerned with any automobile or homeowners insurance company or subsidiary not rated or with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Travelers companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have the same or lower financial strength ratings than the Travelers companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
Travelers Auto & Homeowners Insurance Complaint Record 2009-2014
You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.
A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.
Sections #2 & #3 of this review will show you if Travelers auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Travelers, or a competitor, like Allstate or Amica, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
The complaint statistics, called complaint ratios, used in this Travelers Insurance review are the number of upheld complaints filed against each of the Travelers companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the Travelers insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Travelers has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.01 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.99 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
2. Travelers Auto Insurance Complaint Statistics & Ratings
Travelers auto insurance complaint record considering all subsidiaries:
Better than average
Travelers has twenty subsidiary companies insuring private passenger vehicles in the USA. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different lines of insurance, such as motorhome or motorcycle insurance.
Most of the Travelers subsidiaries have small and/or shrinking auto insurance market shares, which may be a sign these Travelers subsidiaries no longer have competitive auto insurance rates.
However, Travelers launched a new auto insurance product in 2013 with more competitive pricing, and it may be a very good option for some auto insurance consumers. Be aware some agents may be reluctant to sell or recommend the new auto insurance product from Travelers, because it has lower commissions.
These Travelers subsidiaries have doubled their auto insurance market share over the last two years, which may be a sign of competitive auto insurance rates: Automobile Insurance Company of Hartford, CT (its US auto insurance market share doubled from 2012 to 2013, and is up slightly in 2014), Standard Fire Insurance Company, Travelers Personal Insurance Company (licensed in Illinois, Missouri, New York, and Pennsylvania only), and Travelers Property & Casualty Company.
Which Travelers auto insurance subsidiaries are available to you may depend on the state in which you live, if you get a quote direct from the company, or different independent insurance agents, and other factors. You may be eligible for multiple subsidiaries. Each subsidiary has its own rates, so the price for auto insurance with the same coverage will most likely differ among subsidiary companies.
The Travelers subsidiaries, Travelers Casualty Insurance Company of America (with only $1,066 in 2014 US auto insurance premiums) and Northland Insurance Company (with only $6,810 in 2012 US auto insurance premiums, $2,277 in 2013, and now $1,198 in 2014), have too few auto insurance customers, to be included in this auto insurance complaints section of my review. My auto insurance complaint ratings for the remaining 19 Travelers subsidiaries insuring personal use autos & trucks are shown below.
Here is the auto insurance complaint data for each Travelers subsidiary:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.42)
2015 US auto insurance premium = $81,817,385
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $59,574,412
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $53,414,857
2012 Auto Insurance Complaint Ratio = C+ (.91)
2012 US auto insurance premium = $29,922,374
2011 Auto Insurance Complaint Ratio = B (.50)
2011 US auto insurance premium = $34,180,894
2010 Auto Insurance Complaint Ratio = C- (1.15)
2010 US auto insurance premium = $43,988,907
2009 Auto Insurance Complaint Ratio = C- (1.11)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $23,221,956
2014 Auto Insurance Complaint Ratio = B (.38)
2014 US auto insurance premium = $27,897,649
2013 Auto Insurance Complaint Ratio = C (1.00)
2013 US auto insurance premium = $32,549,847
2012 Auto Insurance Complaint Ratio = C- (1.24)
2012 US auto insurance premium = $36,635,322
2011 Auto Insurance Complaint Ratio = C+ (.76)
2011 US auto insurance premium = $45,097,533
2010 Auto Insurance Complaint Ratio = B (.26)
2010 US auto insurance premium = $64,717,471
2009 Auto Insurance Complaint Ratio = C+ (.75)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $3,163,399
2014 Auto Insurance Complaint Ratio = W (3.87)
2014 US auto insurance premium = $5,541,389
2013 Auto Insurance Complaint Ratio = W (1.38)
2013 US auto insurance premium = $23,581,622
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $23,303,578
2011 Auto Insurance Complaint Ratio = B (.42)
2011 US auto insurance premium = $20,257,766
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $21,557,101
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.18)
2015 US auto insurance premium = $127,401,808
2014 Auto Insurance Complaint Ratio = B (.18)
2014 US auto insurance premium = $178,696,466
2013 Auto Insurance Complaint Ratio = B (.14)
2013 US auto insurance premium = $225,884,747
2012 Auto Insurance Complaint Ratio = B (.26)
2012 US auto insurance premium = $239,708,025
2011 Auto Insurance Complaint Ratio = B (.28)
2011 US auto insurance premium = $246,742,425
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $253,710,071
2009 Auto Insurance Complaint Ratio = No auto insurance policies in force
2009 US auto insurance premium = $0
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $38,940,758
2014 Auto Insurance Complaint Ratio = B (.73)
2014 US auto insurance premium = $44,180,191
2013 Auto Insurance Complaint Ratio = B (.66)
2013 US auto insurance premium = $49,621,068
2012 Auto Insurance Complaint Ratio = B (.17)
2012 US auto insurance premium = $54,652,200
2011 Auto Insurance Complaint Ratio = B (.27)
2011 US auto insurance premium = $62,038,967
2010 Auto Insurance Complaint Ratio = B (.23)
2010 US auto insurance premium = $72,106,731
2009 Auto Insurance Complaint Ratio = B (.10)
First Floridian Auto & Home Insurance Company operates in the state of Florida only.
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $112,577,593
2013 Auto Insurance Complaint Ratio = B (.25)
2013 US auto insurance premium = $132,300,731
2012 Auto Insurance Complaint Ratio = B (.53)
2012 US auto insurance premium = $153,645,632
2011 Auto Insurance Complaint Ratio = B (.15)
2011 US auto insurance premium = $175,308,535
2010 Auto Insurance Complaint Ratio = B (.49)
2010 US auto insurance premium = $190,565,000
2009 Auto Insurance Complaint Ratio = B (.40)
Premier Insurance Company of Massachusetts operates in the state of Massachusetts only.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $37,410,436
2014 Auto Insurance Complaint Ratio = B (.48)
2014 US auto insurance premium = $44,968,431
2013 Auto Insurance Complaint Ratio = B (.21)
2013 US auto insurance premium = $52,468,128
2012 Auto Insurance Complaint Ratio = C+ (.89)
2012 US auto insurance premium = $60,788,585
2011 Auto Insurance Complaint Ratio = B (.56)
2011 US auto insurance premium = $75,924,357
2010 Auto Insurance Complaint Ratio = B (.40)
2010 US auto insurance premium = $106,099,732
2009 Auto Insurance Complaint Ratio = B (.57)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.58)
2015 US auto insurance premium = $935,329,514
2014 Auto Insurance Complaint Ratio = B (.50)
2014 US auto insurance premium = $541,579,685
2013 Auto Insurance Complaint Ratio = B (.43)
2013 US auto insurance premium = $277,243,667
2012 Auto Insurance Complaint Ratio = C- (1.15)
2012 US auto insurance premium = $291,487,051
2011 Auto Insurance Complaint Ratio = B (.61)
2011 US auto insurance premium = $305,481,436
2010 Auto Insurance Complaint Ratio = B (.71)
2010 US auto insurance premium = $311,679,479
2009 Auto Insurance Complaint Ratio = C+ (.82)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (.94)
2015 US auto insurance premium = $60,606,931
2014 Auto Insurance Complaint Ratio = B (.74)
2014 US auto insurance premium = $72,905,643
2013 Auto Insurance Complaint Ratio = B (.65)
2013 US auto insurance premium = $83,647,426
2012 Auto Insurance Complaint Ratio = C- (1.23)
2012 US auto insurance premium = $88,374,462
2011 Auto Insurance Complaint Ratio = B (.64)
2011 US auto insurance premium = $93,627,364
2010 Auto Insurance Complaint Ratio = B (.39)
2010 US auto insurance premium = $108,322,207
2009 Auto Insurance Complaint Ratio = B (.34)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (2.41) 1
2015 US auto insurance premium = $4,720,958
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $5,734,478
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $6,882,578
2012 Auto Insurance Complaint Ratio = W (3.42)
2012 US auto insurance premium = $7,891,628
2011 Auto Insurance Complaint Ratio = W (3.58)
2011 US auto insurance premium = $9,508,992
2010 Auto Insurance Complaint Ratio = C- (1.04)
2010 US auto insurance premium = $16,242,046
2009 Auto Insurance Complaint Ratio = B (.32)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C+ (.85)
2015 US auto insurance premium = $133,403,924
2014 Auto Insurance Complaint Ratio = B (.71)
2014 US auto insurance premium = $150,713,591
2013 Auto Insurance Complaint Ratio = B (.35)
2013 US auto insurance premium = $185,276,519
2012 Auto Insurance Complaint Ratio = C- (1.06)
2012 US auto insurance premium = $195,893,636
2011 Auto Insurance Complaint Ratio = C+ (.80)
2011 US auto insurance premium = $191,243,786
2010 Auto Insurance Complaint Ratio = W (1.40)
2010 US auto insurance premium = $180,890,654
2009 Auto Insurance Complaint Ratio = W (1.68)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.43)
2015 US auto insurance premium = $1,088,794,944
2014 Auto Insurance Complaint Ratio = B (.66)
2014 US auto insurance premium = $1,405,720,217
2013 Auto Insurance Complaint Ratio = B (.49)
2013 US auto insurance premium = $1,683,084,105
2012 Auto Insurance Complaint Ratio = B (.49)
2012 US auto insurance premium = $1,803,384,398
2011 Auto Insurance Complaint Ratio = B (.44)
2011 US auto insurance premium = $1,791,733,247
2010 Auto Insurance Complaint Ratio = B (.51)
2010 US auto insurance premium = $1,597,034,569
2009 Auto Insurance Complaint Ratio = C+ (.95)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (2.43)
2015 US auto insurance premium = $18,718,981
2014 Auto Insurance Complaint Ratio = W (4.40)
2014 US auto insurance premium = $21,944,394
2013 Auto Insurance Complaint Ratio = W (4.02)
2013 US auto insurance premium = $29,675,379
2012 Auto Insurance Complaint Ratio = W (4.87)
2012 US auto insurance premium = $27,850,216
2011 Auto Insurance Complaint Ratio = W (3.94)
2011 US auto insurance premium = $37,057,011
2010 Auto Insurance Complaint Ratio = W (4.63)
2010 US auto insurance premium = $49,309,255
2009 Auto Insurance Complaint Ratio = W (4.03)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (3.20)
2015 US auto insurance premium = $21,353,911
2014 Auto Insurance Complaint Ratio = W (2.22)
2014 US auto insurance premium = $24,175,455
2013 Auto Insurance Complaint Ratio = C+ (.81)
2013 US auto insurance premium = $26,916,768
2012 Auto Insurance Complaint Ratio = W (3.97)
2012 US auto insurance premium = $29,653,783
2011 Auto Insurance Complaint Ratio = W (2.07)
2011 US auto insurance premium = $37,389,864
2010 Auto Insurance Complaint Ratio = W (2.36)
2010 US auto insurance premium = $53,679,945
2009 Auto Insurance Complaint Ratio = C- (1.17)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (2.46)
2015 US auto insurance premium = $13,886,835
2014 Auto Insurance Complaint Ratio = B (.63)
2014 US auto insurance premium = $17,066,308
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $19,973,875
2012 Auto Insurance Complaint Ratio = W (1.98)
2012 US auto insurance premium = $22,803,698
2011 Auto Insurance Complaint Ratio = B (.32)
2011 US auto insurance premium = $26,726,983
2010 Auto Insurance Complaint Ratio = W (1.28)
2010 US auto insurance premium = $33,089,392
2009 Auto Insurance Complaint Ratio = B (.40)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.09)
2015 US auto insurance premium = $131,460,252
2014 Auto Insurance Complaint Ratio = B (.21)
2014 US auto insurance premium = $51,324,468
2013 Auto Insurance Complaint Ratio = C+ (.93)
2013 US auto insurance premium = $23,360,382
2012 Auto Insurance Complaint Ratio = W (1.32)
2012 US auto insurance premium = $27,366,168
2011 Auto Insurance Complaint Ratio = B (.26)
2011 US auto insurance premium = $33,246,180
2010 Auto Insurance Complaint Ratio = B (.55)
2010 US auto insurance premium = $45,940,026
2009 Auto Insurance Complaint Ratio = B (.49)
Travelers Personal Insurance Company is licensed to operate in Illinois, Missouri, New York and Pennsylvania only.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.09)
2015 US auto insurance premium = $128,565,012
2014 Auto Insurance Complaint Ratio = B (.30)
2014 US auto insurance premium = $108,257,856
2013 Auto Insurance Complaint Ratio = B (.20)
2013 US auto insurance premium = $110,349,122
2012 Auto Insurance Complaint Ratio = B (.30)
2012 US auto insurance premium = $120,928,248
2011 Auto Insurance Complaint Ratio = B (.13)
2011 US auto insurance premium = $127,406,652
2010 Auto Insurance Complaint Ratio = B (.30)
2010 US auto insurance premium = $111,171,665
2009 Auto Insurance Complaint Ratio = B (.18)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.63)
2015 US auto insurance premium = $62,714,190
2014 Auto Insurance Complaint Ratio = W (1.51)
2014 US auto insurance premium = $78,327,525
2013 Auto Insurance Complaint Ratio = C+ (.82)
2013 US auto insurance premium = $92,461,206
2012 Auto Insurance Complaint Ratio = C+ (.85)
2012 US auto insurance premium = $106,850,771
2011 Auto Insurance Complaint Ratio = C+ (.99)
2011 US auto insurance premium = $130,565,032
2010 Auto Insurance Complaint Ratio = W (1.27)
2010 US auto insurance premium = $166,300,031
2009 Auto Insurance Complaint Ratio = B (.74)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C+ (.84)
2015 US auto insurance premium = $284,901,914
2014 Auto Insurance Complaint Ratio = C (.95)
2014 US auto insurance premium = $158,386,105
2013 Auto Insurance Complaint Ratio = W (2.33)
2013 US auto insurance premium = $69,997,280
2012 Auto Insurance Complaint Ratio = C (1.01)
2012 US auto insurance premium = $71,877,175
2011 Auto Insurance Complaint Ratio = W (1.96)
2011 US auto insurance premium = $83,256,561
2010 Auto Insurance Complaint Ratio = W (1.66)
2010 US auto insurance premium = $86,540,050
2009 Auto Insurance Complaint Ratio = W (1.71)
3. Travelers Home Insurance Complaint Statistics & Ratings
Travelers home insurance complaint record considering all subsidiaries:
Average
Travelers Insurance Group sells home insurance through the nineteen subsidiary companies listed below. Almost all of the Travelers subsidiaries have flat or shrinking US homeowners insurance market share, which may be a sign many of them do not have competitive home insurance rates. Of the subsidiaries, only Travelers Commercial Insurance Company and Travelers Home & Marine Insurance Company have strong home insurance market share growth, possibly due to lower home insurance rates.
Travelers Home & Marine Insurance Company is the Travelers subsidiary with the largest US home insurance market share (about twice as big as the Travelers company with the next largest home insurance market share), and it’s had a large growth in home insurance customers over the last four years, which may mean this Travelers subsidiary is likely to have competitive homeowners insurance rates.
Which Travelers home insurance subsidiaries are available to you may depend on the state in which you live, if you get a quote from the company, or different independent insurance agents, and other factors. You may be eligible for multiple subsidiaries. Each subsidiary has its own rates, so the home insurance price for the same coverage will most likely vary among subsidiary companies.
Here is the home insurance complaint data for each Travelers subsidiary:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.37)
2015 US home insurance premium = $294,521,293
2014 Home Insurance Complaint Ratio = B (.59)
2014 US home insurance premium = $323,626,768
2013 Home Insurance Complaint Ratio = B (.42)
2013 US home insurance premium = $338,912,869
2012 Home Insurance Complaint Ratio = B (.54)
2012 US home insurance premium = $344,615,255
2011 Home Insurance Complaint Ratio = B (.51)
2011 US home insurance premium = $349,796,921
2010 Home Insurance Complaint Ratio = B (.64)
2010 US home insurance premium = $359,263,747
2009 Home Insurance Complaint Ratio = B (.46)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.27)
2015 US home insurance premium = $110,173,466
2014 Home Insurance Complaint Ratio = B (.37)
2014 US home insurance premium = $122,986,499
2013 Home Insurance Complaint Ratio = B (.33)
2013 US home insurance premium = $132,749,894
2012 Home Insurance Complaint Ratio = B (.12)
2012 US home insurance premium = $136,510,704
2011 Home Insurance Complaint Ratio = B (.35)
2011 US home insurance premium = $140,450,594
2010 Home Insurance Complaint Ratio = B (.37)
2010 US home insurance premium = $148,269,123
2009 Home Insurance Complaint Ratio = B (.40)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $98,647,354
2014 Home Insurance Complaint Ratio = B (.17)
2014 US home insurance premium = $109,362,133
2013 Home Insurance Complaint Ratio = B (.19)
2013 US home insurance premium = $116,513,693
2012 Home Insurance Complaint Ratio = B (.21)
2012 US home insurance premium = $117,931,741
2011 Home Insurance Complaint Ratio = B (.28)
2011 US home insurance premium = $117,732,818
2010 Home Insurance Complaint Ratio = B (.08)
2010 US home insurance premium = $120,364,769
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.48)
2015 US home insurance premium = $123,513,184
2014 Home Insurance Complaint Ratio = B (.45)
2014 US home insurance premium = $121,851,814
2013 Home Insurance Complaint Ratio = B (.53)
2013 US home insurance premium = $125,237,980
2012 Home Insurance Complaint Ratio = B (.45)
2012 US home insurance premium = $125,136,072
2011 Home Insurance Complaint Ratio = B (.54)
2011 US home insurance premium = $121,061,300
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $116,177,398
2009 Home Insurance Complaint Ratio = No home insurance policies in force
2009 US home insurance premium = $0
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (5.38)
2015 US home insurance premium = $22,242,545
2014 Home Insurance Complaint Ratio = W (4.01)
2014 US home insurance premium = $22,804,103
2013 Home Insurance Complaint Ratio = W (1.37)
2013 US home insurance premium = $24,184,655
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $25,625,085
2011 Home Insurance Complaint Ratio = B (.29)
2011 US home insurance premium = $28,063,221
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $30,075,311
2009 Home Insurance Complaint Ratio = B (.73)
First Floridian Auto & Home Insurance Company operates in the state of Florida only.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.58)
2015 US home insurance premium = $86,087,054
2014 Home Insurance Complaint Ratio = B (.38)
2014 US home insurance premium = $95,120,989
2013 Home Insurance Complaint Ratio = B (.40)
2013 US home insurance premium = $110,188,650
2012 Home Insurance Complaint Ratio = C+ (.87)
2012 US home insurance premium = $111,443,283
2011 Home Insurance Complaint Ratio = B (.40)
2011 US home insurance premium = $122,390,375
2010 Home Insurance Complaint Ratio = B (.28)
2010 US home insurance premium = $130,702,978
2009 Home Insurance Complaint Ratio = B (.55)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.63)
2015 US home insurance premium = $429,768,224
2014 Home Insurance Complaint Ratio = B (.64)
2014 US home insurance premium = $484,576,934
2013 Home Insurance Complaint Ratio = C+ (.75)
2013 US home insurance premium = $517,429,270
2012 Home Insurance Complaint Ratio = C+ (.79)
2012 US home insurance premium = $567,649,557
2011 Home Insurance Complaint Ratio = B (.55)
2011 US home insurance premium = $591,775,732
2010 Home Insurance Complaint Ratio = C+ (.89)
2010 US home insurance premium = $635,686,605
2009 Home Insurance Complaint Ratio = B (.69)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.32)
2015 US home insurance premium = $248,707,775
2014 Home Insurance Complaint Ratio = B (.18)
2014 US home insurance premium = $248,908,047
2013 Home Insurance Complaint Ratio = B (.27)
2013 US home insurance premium = $249,849,646
2012 Home Insurance Complaint Ratio = B (.29)
2012 US home insurance premium = $248,593,886
2011 Home Insurance Complaint Ratio = B (.32)
2011 US home insurance premium = $225,292,705
2010 Home Insurance Complaint Ratio = B (.33)
2010 US home insurance premium = $196,153,481
2009 Home Insurance Complaint Ratio = B (.32)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $29,188,258
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $39,181,202
2013 Home Insurance Complaint Ratio = W (1.87)
2013 US home insurance premium = $35,447,880
2012 Home Insurance Complaint Ratio = B (.36)
2012 US home insurance premium = $45,434,597
2011 Home Insurance Complaint Ratio = W (1.34)
2011 US home insurance premium = $48,197,054
2010 Home Insurance Complaint Ratio = W (1.79)
2010 US home insurance premium = $50,989,135
2009 Home Insurance Complaint Ratio = W (1.38)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.42)
2015 US home insurance premium = $287,479,213
2014 Home Insurance Complaint Ratio = B (.53)
2014 US home insurance premium = $274,722,277
2013 Home Insurance Complaint Ratio = C+ (.83)
2013 US home insurance premium = $266,309,441
2012 Home Insurance Complaint Ratio = B (.52)
2012 US home insurance premium = $218,333,023
2011 Home Insurance Complaint Ratio = C+ (.77)
2011 US home insurance premium = $222,044,235
2010 Home Insurance Complaint Ratio = B (.64)
2010 US home insurance premium = $185,145,926
2009 Home Insurance Complaint Ratio = B (.74)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.59)
2015 US home insurance premium = $1,177,082,879
2014 Home Insurance Complaint Ratio = C+ (.76)
2014 US home insurance premium = $1,051,604,817
2013 Home Insurance Complaint Ratio = C+ (.90)
2013 US home insurance premium = $1,002,545,840
2012 Home Insurance Complaint Ratio = C+ (.95)
2012 US home insurance premium = $987,920,973
2011 Home Insurance Complaint Ratio = B (.74)
2011 US home insurance premium = $919,802,608
2010 Home Insurance Complaint Ratio = C+ (.87)
2010 US home insurance premium = $733,812,296
2009 Home Insurance Complaint Ratio = B (.49)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (2.37)
2015 US home insurance premium = $50,536,194
2014 Home Insurance Complaint Ratio = C- (1.24)
2014 US home insurance premium = $37,018,222
2013 Home Insurance Complaint Ratio = B (.74)
2013 US home insurance premium = $44,497,319
2012 Home Insurance Complaint Ratio = W (3.18)
2012 US home insurance premium = $43,388,280
2011 Home Insurance Complaint Ratio = W (1.89)
2011 US home insurance premium = $47,118,791
2010 Home Insurance Complaint Ratio = C- (1.08)
2010 US home insurance premium = $50,624,408
2009 Home Insurance Complaint Ratio = B (.61)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (2.66)
2015 US home insurance premium = $48,649,884
2014 Home Insurance Complaint Ratio = C- (1.13)
2014 US home insurance premium = $56,818,492
2013 Home Insurance Complaint Ratio = C+ (.88)
2013 US home insurance premium = $62,470,128
2012 Home Insurance Complaint Ratio = C+ (.99)
2012 US home insurance premium = $65,748,693
2011 Home Insurance Complaint Ratio = C- (1.18)
2011 US home insurance premium = $68,519,060
2010 Home Insurance Complaint Ratio = W (1.46)
2010 US home insurance premium = $75,305,230
2009 Home Insurance Complaint Ratio = C- (.95)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (13.12)
2015 US home insurance premium = $1,518,251
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $1,722,383
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $3,010,758
2012 Home Insurance Complaint Ratio = W (3.90)
2012 US home insurance premium = $2,080,851
2011 Home Insurance Complaint Ratio = W (7.23)
2011 US home insurance premium = $2,244,759
2010 Home Insurance Complaint Ratio = W (7.70)
2010 US home insurance premium = $2,372,420
2009 Home Insurance Complaint Ratio = W (10.08)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.39)
2015 US home insurance premium = $126,814,809
2014 Home Insurance Complaint Ratio = B (.40)
2014 US home insurance premium = $138,688,146
2013 Home Insurance Complaint Ratio = B (.22)
2013 US home insurance premium = $149,235,259
2012 Home Insurance Complaint Ratio = B (.15)
2012 US home insurance premium = $159,852,328
2011 Home Insurance Complaint Ratio = B (.28)
2011 US home insurance premium = $173,905,203
2010 Home Insurance Complaint Ratio = B (.47)
2010 US home insurance premium = $194,556,401
2009 Home Insurance Complaint Ratio = B (.59)
Travelers Lloyds of Texas Insurance Company operates in the state on Texas only.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $9,962,174
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $11,542,638
2013 Home Insurance Complaint Ratio = W (1.68)
2013 US home insurance premium = $13,125,279
2012 Home Insurance Complaint Ratio = W (1.58)
2012 US home insurance premium = $15,412,361
2011 Home Insurance Complaint Ratio = B (.48)
2011 US home insurance premium = $16,783,921
2010 Home Insurance Complaint Ratio = W (4.95)
2010 US home insurance premium = $18,450,162
2009 Home Insurance Complaint Ratio = B (.42)
Travelers Personal Insurance Company is licensed to operate in Illinois, Missouri, New York and Pennsylvania only.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.17)
2015 US home insurance premium = $57,299,332
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $59,001,154
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $58,188,632
2012 Home Insurance Complaint Ratio = B (.27)
2012 US home insurance premium = $60,085,702
2011 Home Insurance Complaint Ratio = B (.14)
2011 US home insurance premium = $56,054,400
2010 Home Insurance Complaint Ratio = B (.19)
2010 US home insurance premium = $48,042,899
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (4.19)
2015 US home insurance premium = $14,256,365
2014 Home Insurance Complaint Ratio = W (5.52)
2014 US home insurance premium = $16,563,338
2013 Home Insurance Complaint Ratio = W (8.16)
2013 US home insurance premium = $20,291,961
2012 Home Insurance Complaint Ratio = W (3.35)
2012 US home insurance premium = $19,398,624
2011 Home Insurance Complaint Ratio = W (1.95)
2011 US home insurance premium = $20,792,295
2010 Home Insurance Complaint Ratio = W (4.78)
2010 US home insurance premium = $22,943,999
2009 Home Insurance Complaint Ratio = W (1.73)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.79)
2015 US home insurance premium = $88,978,420
2014 Home Insurance Complaint Ratio = C- (1.22)
2014 US home insurance premium = $89,660,885
2013 Home Insurance Complaint Ratio = W (3.57)
2013 US home insurance premium = $98,874,377
2012 Home Insurance Complaint Ratio = W (2.25)
2012 US home insurance premium = $155,318,423
2011 Home Insurance Complaint Ratio = W (1.77)
2011 US home insurance premium = $169,869,668
2010 Home Insurance Complaint Ratio = W (1.66)
2010 US home insurance premium = $176,147,812
2009 Home Insurance Complaint Ratio = C- (1.17)
4. Travelers Auto & Home Insurance Rates & Pricing Compared to Competitors
Homeowners Insurance Pricing
Travelers received the rating of three power circles (about average) for the category of Homeowners Insurance Pricing in the national 2014 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2014 JD Power Homeowners Insurance Satisfaction study: Auto-Owners, Amica, Automobile Club of Southern California, Hartford, Erie, Mercury, and GEICO.
Auto Insurance Pricing
Travelers received the rating of four power circles (better than most) for the category of Pricing in the 2015 JD Power U.S. Auto Insurance Purchase Experience Study, which reflects the opinion of auto insurance shoppers about the rates they were quoted by Travelers. The following companies also rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2015 JD Power Auto Insurance Purchase Experience Study: Erie, Ameriprise (available through Costco), USAA, The Hartford, California State Auto Association, Amica Mutual, Liberty Mutual, Auto Club Group, & GEICO.
Travelers received the rating of three power circles (about average) in the states of Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia, for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study, which reflects the opinion of current Travelers policyholders about the auto insurance rates they pay.
However, Travelers received the lowest rating of two power circles in the states of Alabama, Arkansas, California, Florida, Georgia, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Nebraska, New York, North Carolina, North Dakota, Oklahoma, South Carolina, South Dakota, and Tennessee, for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study.
The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in the some of the same states where Travelers was rated: USAA, Erie, GEICO, Grange, COUNTRY, Esurance, Wawanesa, Ameriprise, Auto Club of Southern California, Auto-Owners, Indiana Farm Bureau, Shelter, Progressive, PEMCO, Metlife (Florida only).
Remember, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.