State Farm vs. Travelers Auto Insurance (2024)
If you compare State Farm vs. Travelers auto insurance rates, you’ll find that State Farm is around $10 cheaper a month. However, Travelers has better financial ratings and fewer complaints than State Farm. Additionally, State Farm and Travelers have similar coverages and discounts.
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UPDATED: Feb 26, 2024
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- State Farm has lower rates than Travelers
- Travelers is rated better than State Farm by A.M. Best
- Travelers has fewer complaints than State Farm
State Farm and Travelers offer cheap auto insurance for customers of various ages. State Farm has lower rates, but Travelers has better financial ratings and fewer complaints. Comparing State Farm vs. Travelers will help you determine the best choice.
Before starting this State Farm vs. Travelers comparison, enter your ZIP code to find free auto insurance quotes in your area.
State Farm vs. Travelers Auto Insurance Rates
Comparing affordable State Farm vs. Travelers auto insurance rates will help you find the most cost-effective option. The following chart shows the annual State Farm and Travelers auto insurance rates for men of different ages.
State Farm vs. Travelers: Male Average Annual Auto Insurance Rates by Age
| Ages | State Farm Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| 25 | $1,396 | $1,398 |
| 35 | $1,139 | $1,306 |
| 60 | $1,038 | $1,114 |
The following chart shows the same information for women.
State Farm vs. Travelers: Female Average Annual Auto Insurance Rates by Age
| Ages | State Farm Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| 25 | $1,262 | $1,348 |
| 35 | $1,139 | $1,266 |
| 60 | $1,038 | $1,073 |
As you can see, State Farm rates are lower than Travelers rates, and women typically pay less for auto insurance than men.
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State Farm vs. Travelers Auto Insurance Coverage
Auto insurance companies allow customers to choose the types of coverage they want on their policies. State Farm and Travelers offer the basic coverages that most auto insurance companies provide.
Coverages provided by State Farm and Travelers include:
- Bodily injury liability
- Property damage liability
- Personal injury protection
- Uninsured/underinsured motorist
- Medical payments
- Collision
- Comprehensive
- Rideshare coverage
You can also obtain Travelers and State Farm windshield coverage so you can file a claim if you suffer glass damage to your vehicle.
State Farm vs. Travelers Auto Insurance Discounts
Insurance companies offer various car insurance discounts that lower your monthly rates. Comparing State Farm vs. Travelers auto insurance company discounts will help you find the company with the most savings opportunities.
Discounts offered by State Farm include:
- Good student
- Multiple policies
- Multiple vehicles
- Anti-theft device
- Airbags
- Good driver
- Driver training
Discounts offered by Travelers include:
- Good student
- Multiple policies
- Multiple vehicles
- Good driver
- Student away at school
- Driver training
- Green vehicles
- Pay in full
State Farm and Travelers offer similar discounts and both offer more discounts than many competitors.
State Farm vs. Travelers Financial Ratings
Credit rating agencies review and rate insurance companies based on financial strength. Examining the State Farm and Travelers Insurance reviews will help you determine which company is more likely to provide a payout when you file a claim.
State Farm has been rated an A by A.M. Best, an A2 by Moody’s, and an AA by S&P. These are all quality ratings, indicating that State Farm will provide a payout when you file a claim.
Travelers has been rated an A+ by A.M. Best, an Aa2 by Moody’s, and an AA by S&P. These ratings are among the best in the industry, indicating superior financial strength.
While State Farm and Travelers have been rated the same by S&P, Travelers has been rated better by A.M. Best and Moody’s. However, the ratings show that you don’t need to worry about not receiving a payout when you file Travelers or State Farm claims.
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State Farm vs. Travelers Complaints
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints on their websites. These complaints inform customers of the quality of service they can expect.
At the time of this comparison, the BBB has received 1,302 complaints about State Farm over the past three years. The company’s NAIC complaint index ratio is 1.45, indicating more complaints than similarly-sized competitors.
The BBB has received 427 complaints about Travelers over the past three years. According to the NAIC, Travelers’ complaint index ratio is 1.29, indicating more complaints than similarly-sized companies.
In addition to having fewer total complaints, the complaint index ratios show that Travelers has greater overall customer satisfaction.
State Farm vs. Travelers Roadside Assistance
You might be wondering if State Farm or Travelers auto insurance offer a roadside assistance option. If you’ve ever broken down on the road and had no one to call, you know how important roadside assistance can be.
State Farm offers roadside assistance for $12 per year. Customers that choose this option can receive various services, such as:
- Towing
- Battery service
- Fuel delivery
Travelers offers two levels of roadside assistance. The basic level includes:
- Towing up to 15 miles
- Battery service
- Fuel delivery
- Tire change
- Locksmith service
The premium level includes everything from the basic plan and trip interruption reimbursement, providing up to $200 per day for a rental car.
If you choose roadside assistance as an add-on policy, it will increase the price of your State Farm or Travelers auto insurance quotes.
State Farm vs. Travelers Mobile Apps
State Farm and Travelers have mobile apps that are accessible on any mobile device. These apps allow customers to access digital ID cards, request roadside assistance, manage policies, and make payments.
If you prefer to speak with a representative to pay your bill, you can call the Travelers auto insurance phone number at (800) 842-5075. To reach the State Farm pay bill department, call (800) 440-0998.
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State Farm vs. Travelers: The Best Company
The best choice for those looking to buy State Farm or Travelers auto insurance depends on what’s most important to you. For example, if your primary concern is your monthly rates, State Farm is the better choice.
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On the other hand, if you want assurance you’ll receive a payout or your main priority is good customer service, Travelers might be the better option.
State Farm vs. Travelers: The Bottom Line
There are several factors to consider when determining the right auto insurance company. State Farm has lower rates, but Travelers has better financial ratings and fewer complaints. Comparing State Farm vs. Travelers will help you determine the best fit.
Now that you’ve compared State Farm vs. Travelers, enter your ZIP code to get free auto insurance rates in your area.
Frequently Asked Questions
What are State Farm and Travelers Auto Insurance?
State Farm and Travelers Auto Insurance are two well-known insurance companies that offer coverage for automobiles. They provide various policies and options to protect drivers and their vehicles in case of accidents, damage, theft, and other related incidents.
How do State Farm and Travelers Auto Insurance compare in terms of coverage?
Both State Farm and Travelers Auto Insurance offer a wide range of coverage options for auto insurance. Four of the most common coverage that they provide include:
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
The specific coverage options and details may vary between the two companies, so it is advisable to review their policy offerings to find the best fit for your needs.
Which company has better customer service, State Farm or Travelers Auto Insurance?
Customer service experiences can vary from person to person, and it’s essential to consider individual opinions and reviews when evaluating customer service. Both State Farm and Travelers Auto Insurance have dedicated customer service teams, and they strive to provide satisfactory assistance to their policyholders. Reading customer reviews and speaking with representatives from both companies can help you gauge their customer service quality.
Are State Farm and Travelers Auto Insurance similarly priced?
Insurance premiums are determined by various factors, such as the driver’s age, location, driving history, and the type of vehicle being insured. It’s challenging to make a direct comparison on pricing between State Farm and Travelers Auto Insurance without considering these individual factors. To find the best price for your circumstances, it is recommended to request quotes from both companies and compare the offers.
Can I manage my auto insurance policy online with State Farm and Travelers?
Yes, both State Farm and Travelers Auto Insurance offer online account management for their policyholders. Through their respective websites or mobile apps, you can access your policy details, make payments, view and update your coverage options, file claims, and more. The online platforms provide convenient tools to manage your auto insurance policies from the comfort of your own home.