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Travelers — HonestPolicy Grade

Overall: A (score 61.3/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Travelers underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: A score 65.8/100 · composite relative index 0.52 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025427,4812,48015,044,7980.88[tx]0.3
TX Automobile2024029,8511,59414,898,9760.00[tx]0.12
CA Automobile20257262,9481,78628,998,8650.43[ca_auto]0.2
CA Automobile20248262,9481,38828,998,8650.64[ca_auto]0.12
CA Automobile20235262,94885728,998,8650.64[ca_auto]0.08
NY Automobile202428$806.1M629$18,428M1.02[ny]0.12
NY Automobile202319$714.8M445$16,202M0.97[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025TRAVELERS PERSONAL SECURITY INSURANCE COMPANY (NAIC 36145) (tiny book — below the credibility floor on its own)01060.0 (TDI index)
TX · 2025TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE (NAIC 27998) (tiny book — below the credibility floor on its own)08,9600.0 (TDI index)
TX · 2025TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA (NAIC 19046) (tiny book — below the credibility floor on its own)05,1090.0 (TDI index)
TX · 2025TRAVELERS INDEMNITY COMPANY OF AMERICA, THE (NAIC 25666) (tiny book — below the credibility floor on its own)12,8272.15 (TDI index)
TX · 2025TRAVELERS INDEMNITY COMPANY OF CONNECTICUT, THE (NAIC 25682) (tiny book — below the credibility floor on its own)09500.0 (TDI index)
TX · 2025TRAVELERS INDEMNITY COMPANY, THE (NAIC 25658) (tiny book — below the credibility floor on its own)21,13010.75 (TDI index)
TX · 2025TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA (NAIC 25674) (tiny book — below the credibility floor on its own)12,7082.24 (TDI index)
TX · 2025TRAVELERS CASUALTY COMPANY OF CONNECTICUT (NAIC 36170) (tiny book — below the credibility floor on its own)0160.0 (TDI index)
TX · 2025STANDARD FIRE INSURANCE COMPANY, THE (NAIC 19070) (tiny book — below the credibility floor on its own)0140.0 (TDI index)
TX · 2025CHARTER OAK FIRE INSURANCE COMPANY, THE (NAIC 25615) (tiny book — below the credibility floor on its own)02,1670.0 (TDI index)
TX · 2025AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE (NAIC 19062) (tiny book — below the credibility floor on its own)03,4940.0 (TDI index)
TX · 2024TRAVELERS PERSONAL SECURITY INSURANCE COMPANY (NAIC 36145) (tiny book — below the credibility floor on its own)01250.0 (TDI index)
TX · 2024TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE (NAIC 27998)010,2190.0 (TDI index)
TX · 2024TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA (NAIC 19046) (tiny book — below the credibility floor on its own)05,4010.0 (TDI index)
TX · 2024TRAVELERS INDEMNITY COMPANY OF AMERICA, THE (NAIC 25666) (tiny book — below the credibility floor on its own)02,8580.0 (TDI index)
TX · 2024TRAVELERS INDEMNITY COMPANY OF CONNECTICUT, THE (NAIC 25682) (tiny book — below the credibility floor on its own)01,0210.0 (TDI index)
TX · 2024TRAVELERS INDEMNITY COMPANY, THE (NAIC 25658) (tiny book — below the credibility floor on its own)01,1840.0 (TDI index)
TX · 2024TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA (NAIC 25674) (tiny book — below the credibility floor on its own)02,7860.0 (TDI index)
TX · 2024CHARTER OAK FIRE INSURANCE COMPANY, THE (NAIC 25615) (tiny book — below the credibility floor on its own)02,3540.0 (TDI index)
TX · 2024AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE (NAIC 19062) (tiny book — below the credibility floor on its own)03,9030.0 (TDI index)
CA · 2025/2024/2023TRAVELERS COMMERCIAL INSURANCE COMPANY (CDI rank 21)20 (3yr)262,9482025: 2.7, 2024: 2.8, 2023: 1.7 (per 100k)
NY · 2024Travelers Personal Insurance Company (NAIC 38130)12 (upheld, of 79 total)$520.3M (premiums)0.023063841 (DFS ratio, rank 64)
NY · 2024Travelers Personal Security Insurance Company (NAIC 36145)3 (upheld, of 10 total)$49.3M (premiums)0.060902334 (DFS ratio, rank 87)
NY · 2024Travelers Home and Marine Insurance Company (NAIC 27998)1 (upheld, of 10 total)$79.8M (premiums)0.012531936 (DFS ratio, rank 54)
NY · 2024Travelers Commercial Insurance Company (NAIC 36137) (tiny book — below the credibility floor on its own)1 (upheld, of 1 total)$7.8M (premiums)0.128601179 (DFS ratio, rank 102)
NY · 2024Travelers Indemnity Company of Connecticut (NAIC 25682) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$2.6M (premiums)0.0 (DFS ratio, rank 40)
NY · 2024Travelers Property Casualty Company of America (NAIC 25674) (tiny book — below the credibility floor on its own)3 (upheld, of 9 total)$20.3M (premiums)0.147580985 (DFS ratio, rank 106)
NY · 2024Travelers Property Casualty Insurance Company (NAIC 36161) (tiny book — below the credibility floor on its own)1 (upheld, of 6 total)$0.4M (premiums)2.55200345 (DFS ratio, rank 124)
NY · 2024Standard Fire Insurance Company (NAIC 19070)7 (upheld, of 22 total)$114.4M (premiums)0.061178995 (DFS ratio, rank 89)
NY · 2024Charter Oak Fire Insurance Company (NAIC 25615) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$1.7M (premiums)0.0 (DFS ratio, rank 45)
NY · 2024Phoenix Insurance Company (NAIC 25623) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$3.6M (premiums)0.0 (DFS ratio, rank 33)
NY · 2024TravCo Insurance Company (NAIC 28188) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$2.9M (premiums)0.0 (DFS ratio, rank 38)
NY · 2024Automobile Insurance Company of Hartford, Connecticut (NAIC 19062) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$3.0M (premiums)0.0 (DFS ratio, rank 37)
NY · 2023Travelers Personal Insurance Company (NAIC 38130)12 (upheld, of 62 total)$442.0M (premiums)0.027147854 (DFS ratio, rank 74)
NY · 2023Travelers Personal Security Insurance Company (NAIC 36145)3 (upheld, of 9 total)$48.2M (premiums)0.062212414 (DFS ratio, rank 98)
NY · 2023Travelers Home and Marine Insurance Company (NAIC 27998)2 (upheld, of 9 total)$81.8M (premiums)0.024446382 (DFS ratio, rank 71)
NY · 2023Travelers Commercial Insurance Company (NAIC 36137) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$7.9M (premiums)0.0 (DFS ratio, rank 23)
NY · 2023Travelers Indemnity Company of Connecticut (NAIC 25682) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$2.7M (premiums)0.0 (DFS ratio, rank 45)
NY · 2023Travelers Property Casualty Company of America (NAIC 25674) (tiny book — below the credibility floor on its own)1 (upheld, of 2 total)$21.3M (premiums)0.046996463 (DFS ratio, rank 89)
NY · 2023Travelers Property Casualty Insurance Company (NAIC 36161) (tiny book — below the credibility floor on its own)1 (upheld, of 2 total)$0.4M (premiums)2.329755993 (DFS ratio, rank 124)
NY · 2023Standard Fire Insurance Company (NAIC 19070)0 (upheld, of 6 total)$98.2M (premiums)0.0 (DFS ratio, rank 1)
NY · 2023Charter Oak Fire Insurance Company (NAIC 25615) (tiny book — below the credibility floor on its own)0 (upheld, of 4 total)$1.8M (premiums)0.0 (DFS ratio, rank 49)
NY · 2023Phoenix Insurance Company (NAIC 25623) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$3.9M (premiums)0.0 (DFS ratio, rank 36)
NY · 2023TravCo Insurance Company (NAIC 28188) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$3.1M (premiums)0.0 (DFS ratio, rank 44)
NY · 2023Automobile Insurance Company of Hartford, Connecticut (NAIC 19062) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$3.3M (premiums)0.0 (DFS ratio, rank 41)

Homeowners: B score 56.8/100 · composite relative index 0.76 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners202540326,0791,1539,068,5180.96[tx]0.3
TX Homeowners202426405,1567339,050,7530.79[tx]0.12
CA Homeowners20256276,62850111,946,3010.52[ca_home]0.2
CA Homeowners202417276,6281,26511,946,3010.58[ca_home]0.12
CA Homeowners202318276,62867911,946,3011.14[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025TRAVELERS PERSONAL INSURANCE COMPANY (NAIC 38130)37273,5121.06 (TDI index)
TX · 2025TRAVELERS PERSONAL SECURITY INSURANCE COMPANY (NAIC 36145) (tiny book — below the credibility floor on its own)04150.0 (TDI index)
TX · 2025TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE (NAIC 27998)229,4350.53 (TDI index)
TX · 2025TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY (NAIC 41564)120,4390.38 (TDI index)
TX · 2025TRAVELERS COMMERCIAL INSURANCE COMPANY (NAIC 36137) (tiny book — below the credibility floor on its own)02,2780.0 (TDI index)
TX · 2024TRAVELERS PERSONAL INSURANCE COMPANY (NAIC 38130)17341,8580.62 (TDI index)
TX · 2024TRAVELERS PERSONAL SECURITY INSURANCE COMPANY (NAIC 36145) (tiny book — below the credibility floor on its own)04470.0 (TDI index)
TX · 2024TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE (NAIC 27998)437,2401.33 (TDI index)
TX · 2024TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY (NAIC 41564)422,7942.17 (TDI index)
TX · 2024TRAVELERS COMMERCIAL INSURANCE COMPANY (NAIC 36137) (tiny book — below the credibility floor on its own)12,8174.39 (TDI index)
CA · 2025/2024/2023STANDARD FIRE INSURANCE COMPANY (THE) (CDI rank 20)41 (3yr)276,6282025: 2.2, 2024: 5.6, 2023: 5.6 (per 100k)

Flagged, not graded

Entities whose group attribution is uncertain are disclosed and excluded from the calculation:

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).