Farmers vs. Travelers Auto Insurance in 2025 (Head-to-Head Review)
This Farmers vs. Travelers auto insurance review finds Travelers to be the cheaper option at $53 per month, compared to Farmers Insurance at $76 a month. Travelers has 20% discounts for low mileage, but Farmers offers rideshare coverage and more flexible policy divisions with multiple discount tiers.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jun 27, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,072 reviewsCompany Facts
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1,733 reviewsFarmers vs. Travelers auto insurance compares two established providers with different strengths in coverage and policy features.
Farmers vs. Travelers Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.3 | 4.3 |
| Business Reviews | 4.0 | 4.5 |
| Claim Processing | 3.3 | 4.5 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.1 | 4.3 |
| Customer Satisfaction | 2.0 | 2.1 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.3 | 4.1 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 5.0 | 4.1 |
| Savings Potential | 4.5 | 4.4 |
| Farmers Review | Travelers Review |
Travelers stands out with a wider range of standard protections and optional gap coverage for newer car owners. But Farmers offers more specialized options, including rideshare auto insurance and custom equipment coverage, plus its Signal program for safe drivers.
This Travelers vs. Farmers comparison breaks down policy structures, discount availability, claims processes, and digital tools to help you decide which insurer better fits your needs.
- Farmers offers Signal, rideshare, and specialty coverage from $76 monthly
- Travelers includes gap insurance and accident forgiveness for $53 monthly
- Farmers has fewer auto insurance complaints than Travelers
If you’re just looking for coverage to drive legally, enter your ZIP code to compare cheap auto insurance quotes near you.
Travelers vs. Farmers Auto Insurance Costs
When comparing auto insurance rates by age between Travelers and Farmers, Travelers consistently offers lower monthly rates across most age brackets, especially for younger drivers. For example, 16-year-olds pay around $50 less per month with Travelers.
Farmers vs. Travelers Auto Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $453 | $392 |
| 16-Year-Old Male | $452 | $517 |
| 30-Year-Old Female | $87 | $57 |
| 30-Year-Old Male | $91 | $58 |
| 45-Year-Old Female | $76 | $54 |
| 45-Year-Old Male | $76 | $53 |
| 60-Year-Old Female | $68 | $49 |
| 60-Year-Old Male | $72 | $50 |
The gap shrinks with older drivers, with 60-year-old drivers paying $68 per month with Farmers but just $49 a month with Travelers, but Travelers is still more affordable.
Among the many factors that affect auto insurance rates, coverage level plays a big role, with Farmers charging close to $200 per month for full coverage while Travelers stays under $150, making it the more affordable option for both teens and retirees.
Farmers vs. Travelers Cost Comparison by Driving Record
Travelers tends to offer lower rates for most driving records, but not across the board. If you have a clean record, Travelers comes in cheaper at $53 per month versus $76 month with Farmers.
Farmers vs. Travelers Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $76 | $53 |
| Not-At-Fault Accident | $109 | $76 |
| Speeding Ticket | $95 | $72 |
| DUI/DWI | $105 | $112 |
That trend continues if you’ve had a not-at-fault accident or a speeding ticket, with Travelers offering monthly rates of $76 and $72, respectively, while Farmers charges $109 and $95 per month. But things flip if you have a DUI vs. DWI. Travelers charges $112 a month compared to Farmers’ $105 monthly.
So if you’ve had a violation like a speeding ticket or a minor accident, Travelers will likely save you money. On the other hand, if you’re dealing with a DUI on your record, Farmers may offer a better deal. It really comes down to your specific driving history.
Farmers vs. Travelers Cost Comparison by Credit Score
Auto insurance and your credit score are major pricing factors. Farmers generally gives you a better deal than Travelers across the board. Farmers charges drivers with excellent credit $102 per month, compared to $120 with Travelers.
Farmers vs. Travelers Auto Insurance Monthly Rates by Credit Score
| Credit Score |  |  |
|---|---|---|
| Excellent | $102 | $120 |
| Good | $116 | $120 |
| Fair | $130 | $145 |
| Poor | $160 | $210 |
The Farmers vs. Travelers pricing by credit score shows that even as credit drops to good or fair, Farmers remains ahead with $116 and $130 per month compared to Travelers at $120 and $145 a month.
The biggest difference shows up for drivers with poor credit. Farmers charges $160, while Travelers jumps to $210. If your score is less than perfect, you’ll likely save more with Farmers, which offers better pricing across all credit tiers.
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Farmers vs. Travelers Auto Insurance Discounts
The Farmers and Travelers discount comparison shows that Travelers offers broader savings across more categories. For instance, Travelers gives drivers a 15% discount for anti-theft devices, compared to Farmers’ 10%, and offers 20% off for low-mileage drivers, double what Farmers provides.
Farmers vs. Travelers Auto Insurance Discounts by Savings Potential
| Discount Type | | |
|---|---|---|
| Anti-Theft | 10% | 15% |
| Auto-Pay | 5% | 6% |
| Bundling | 20% | 13% |
| Good Driver | 30% | 10% |
| Good Student | 15% | 8% |
| Loyalty | 12% | 9% |
| Low Mileage | 10% | 20% |
| Multi-Car | 20% | 8% |
| Paperless | 3% | 3% |
| Pay-in-Full | 10% | 15% |
| Safe Driver | 20% | 17% |
The best Farmers auto insurance discounts are for safe drivers, with its standout 30% good driver discount (versus Travelers’ 10%), that is one of the few areas where it outperforms.
Across most other common auto insurance discounts, such as pay-in-full, safe driver, auto-pay, and bundling, Travelers continues to lead the competition with broader savings.
Farmers vs. Travelers Auto Insurance Ratings & Reviews
If you look at market share, Travelers holds 4.1% of the auto insurance market, ahead of Farmers’ 2.9%, suggesting more drivers are choosing them, possibly for these added savings opportunities.
Travelers leads in financial strength as well, with an A++ rating from A.M. Best, compared to Farmers’ A. So, if you’re comparing strictly on potential for long-term discounts and customer reach, Travelers looks like the stronger pick.
Insurance Business Ratings & Consumer Reviews: Farmers vs. Travelers
| Agency | | |
|---|---|---|
 | Score: 706 / 1,000 Avg. Satisfaction | Score: 684 / 1,000 Below Avg. Satisfaction |
 | Score: A Good Business Practices | Score: A Good Business Practices |
 | Score: 82/100 High Customer Satisfaction | Score: 76/100 Good Customer Feedback |
 | Score: 1.32 More Complaints Than Avg. | Score: 3.96 More Complaints Than Avg. |
 | Score: A Excellent Financial Strength | Score: A++ Superior Financial Strength |
However, when you stack up Farmers and Travelers based on business ratings and customer feedback, Farmers comes out slightly ahead in overall satisfaction.
If you want to manage your policy digitally and save based on how you drive, Travelers fits best. But if you need hands-on support and layered coverage, go with Farmers.Kristen Gryglik Licensed Insurance Agent
J.D. Power gives Farmers a 706 out of 1,000, which signals average satisfaction, while Travelers scores lower at 684, below average. Farmers also scores 82 out of 100 on Consumer Reports, outperforming Travelers at 76. See more ratings in our Farmers vs. USAA auto insurance review.
Complaint data from NAIC shows a clearer divide. Farmers scores 1.32, which is above average but manageable, while Travelers hits 3.96, meaning it sees nearly four times the complaints expected for its size. If customer satisfaction and fewer complaints matter more to you, Farmers might be the safer bet. But if you’re focused on financial stability alone, Travelers holds the edge.
Pros and Cons of Farmers Auto Insurance
Farmers auto insurance reviews praise its hands-on approach and local expertise. It’s not built for everyone, but it works well if you have a layered insurance setup or prefer talking to someone when it comes to policy changes and filing claims.
- Great for Complex Portfolios: Farmers agents are skilled at building multi-property and multi-vehicle policies, which makes them ideal for clients with layered insurance needs.
- Agent-Led Support: Policyholders who want real-time advice from a dedicated local agent will appreciate Farmers’ in-person service model.
- Uncommon Coverage Options: Farmers provides policies for rideshare drivers, OEM and custom parts, and new car replacement.
If you’re the kind of driver who values strong local support over digital tools, Farmers delivers. A Yelp review user in Mill Valley, CA, stated that Farmers handled a challenging case involving three homes, two VRBOs, and four cars.
The agent listened closely, worked with underwriting, and found a policy that tackled fire zone issues in Utah without overcharging. That kind of service is what Farmers leans on.
But if you want a tech-forward experience or plan to adjust your policy frequently on your phone, there are more streamlined options out there.
- Slower for Self-Service Users: If you prefer managing your policy entirely online, the agent-first setup may feel outdated and inconvenient.
- Limited Tech Features: Farmers lack the advanced mobile tools or usage-based apps that competitors like Travelers offer for tracking and saving.
Farmers may have better customer service ratings and fewer complaints, but it isn’t as digitally streamlined as Travelers or other competitors.
Pros and Cons of Travelers Auto Insurance
Travelers car insurance reviews rate it as a great option for drivers who prioritize quick claims support and want to manage insurance online. It’s designed for convenience, with quick claims and user-friendly tools.
- Quick Claims Response: Travelers is known for handling claims efficiently online despite its high number of complaints.
- User-Friendly Tools: The MyTravelers app and IntelliDrive program let you track driving behavior, access policy info, and adjust coverage (Learn More: Travelers IntelliDrive review).
- Strong Nationwide Availability: Travelers operates in most states and works with independent agents, giving you more flexibility in how you buy coverage.
If you want a carrier that makes everything easier after an accident and doesn’t slow you down with paperwork or long calls, Travelers fits the bill. A Yelp reviewer shared that Travelers was consistently helpful, especially after an accident.
They praised the company’s fast feedback and service, saying it helped ease a tough situation, exactly the kind of interaction that shows what Travelers does best when it counts. But if you’re after relationship-based service or ongoing support from one agent, it might feel too hands-off.
- Lower Satisfaction on Review Platforms: Despite solid service, Yelp reviews are mixed overall, and some customers report inconsistent follow-through.
- Less Personalized Service: Travelers lean on digital tools and phone support, which may not work as well if you want a local agent who knows your situation.
A Farmers vs. Travelers car insurance comparison comes down to how you like to manage your policy and what features matter most.
Choosing Between Farmers or Travelers Auto Insurance
If you’ve narrowed it down to Farmers vs. Travelers auto insurance, we found that Farmers focuses on in-person support, offering a broad agent network and solid options for drivers who want detailed, hands-on help with their coverage. It has higher customer satisfaction and fewer complaints than Travelers.
If you have poor credit or a DUI, Farmers may cost less. But for low-mileage drivers or those using digital tools, Travelers is often the smarter pick.Travis Thompson Licensed Insurance Agent
Travelers, by contrast, stands out for its lower average rates and digital perks that streamline policy access. Compare Progressive vs. Travelers auto insurance to see how it compares to another digital-first provider. But if you’d rather work with a local agent who can walk you through every step, Farmers delivers better on that front.
Find the best auto insurance company, no matter how much coverage you need, by entering your ZIP code into our comparison tool today.
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Frequently Asked Questions
Which auto insurance is better, Travelers or Farmers?
Travelers is a better fit if you’re looking for lower rates and digital tools like IntelliDrive, which rewards safe driving. Farmers is a better choice if you value strong local agent support and unique coverage options such as rideshare and custom equipment protection.
What is Travelers Insurance ranked in terms of market share?
Travelers holds 4.1% of the auto insurance market, ranking it above Farmers, which has 2.9%. This shows that more policyholders choose Travelers over Farmers.
Who offers cheaper auto insurance than Travelers?
While Travelers is affordable, especially at $53 per month for a clean record, companies like Geico and USAA can sometimes offer lower rates depending on your location, credit, and driving history. Compare quotes now in our Geico vs. USAA auto insurance review.
Is Travelers Insurance a good insurance company for car coverage?
Yes, Travelers offers strong financial backing with an A++ A.M. Best rating and lower-than-average rates for most drivers, especially those with clean records or low annual mileage.
Why should you get Travelers Insurance instead of Farmers Insurance?
Travelers provides more competitive pricing across age and violation profiles, faster digital claims handling, and more available discounts for features like anti-theft devices and low mileage.
Is Travelers auto insurance good for drivers with no prior coverage?
Travelers is ideal for drivers without prior coverage who want to lower premiums with usage-based insurance. The Travelers IntelliDrive program offers additional savings by tracking driving habits like speeding and braking.
How does Travelers Insurance vs. Farmers compare for teen drivers?
Travelers offers lower monthly rates for female drivers under 21 at $392 compared to $453 a month with Farmers. Male teen rates are higher across the board, but Travelers still provides more affordability in most cases. Find the cheapest teen auto insurance here.
Is Travelers auto insurance any good after an accident or speeding ticket?
Yes. Travelers charges $76 per month after a not-at-fault accident and $72 after a speeding ticket, compared to $109 and $95 monthly with Farmers, making it the cheaper option for minor violations.
Do Farmers or Travelers offer better roadside assistance coverage?
Travelers offers more tech-driven roadside assistance plans, allowing you to request help directly through its app with nationwide 24/7 support. Farmers coordinates roadside services through local agents and third-party providers, which can feel more personal but sometimes slower.
Is Farmers auto insurance good for high-risk or specialized drivers?
Farmers is a strong option if you need rideshare coverage, insure custom equipment, or have a DUI on your record. It charges $105 per month for DUI drivers, slightly less than Travelers at $112. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
What are the rates by violation for Travelers & Farmers auto insurance?
Travelers is cheaper for minor violations. After a ticket, it charges $72 a month compared to $95 per month with Farmers. After a not-at-fault accident, Travelers charges $76 a month, and Farmers charges $109 monthly. After a DUI, Farmers is lower at $105 per month, while Travelers is $112 a month.
How does Farmers Insurance vs. Nationwide compare for hands-on service?
Farmers stand out for hands-on service with local agents and flexible policy options. Nationwide auto insurance reviews show that it leans more digital and may not offer the same level of personal attention or specialized coverage.
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
