Farmers vs. Travelers Auto Insurance in 2025 (Head-to-Head Review)

Farmers vs. Travelers auto insurance compares a company focused on personalized agent support and niche coverages with one offering lower rates, built-in accident forgiveness, and strong digital tools.

Farmers vs. Travelers Auto Insurance Rating

Travelers stand out for lower premiums, built-in gap insurance, and accident forgiveness that benefit budget-conscious and newer car owners, while Farmers focuses on in-person support, rideshare and custom parts coverage, and its Signal app that rewards safe driving habits.

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.

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

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.

This shows that Farmers charges about $198 for full coverage, nearly double its $76 minimum coverage rate. Travelers is more affordable overall, with full coverage at $141 and minimum coverage at $53. Full coverage costs more because it includes collision, comprehensive, and higher liability limits. Among the many factors that affect auto insurance rates, your chosen coverage level has one of the biggest impacts on monthly costs.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cost by Driving Record

Travelers tend 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 per month with Farmers.

Farmers vs. Travelers Auto Insurance Monthly Rates by Driving Record

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 charge $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.

Cost by Credit Score

Auto insurance and your credit score are major pricing factors. Farmers generally give you a better deal than Travelers across the board. Farmers charge drivers with excellent credit $102 per month, compared to $120 with Travelers.

Farmers vs. Travelers Auto Insurance Monthly Rates by Credit Score

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.

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

The best Farmers auto insurance discounts are for safe drivers, with its standout 30% good driver discount (versus Travelers’ 10%), which 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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Farmers vs. Travelers: Coverage Option Comparison

When choosing between Farmers and Travelers auto insurance, it helps to understand not only the price differences but also the coverage options each company offers. Beyond basic protections, both insurers provide add-ons that can fill important gaps in your policy—but they don’t offer exactly the same extras. Every auto insurance policy starts with a few essential coverages:

• Liability Coverage: Covers injury and property damage to others when you’re at fault. Required in most states.
• Collision Coverage: Pays for damage to your vehicle in an accident, regardless of fault.
• Comprehensive Coverage: Covers non-collision damage like theft, fire, vandalism, and weather.
• Personal Injury Protection (PIP): Covers your medical bills and lost wages after an accident, regardless of fault. Availability varies by state.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with little or no insurance.

Farmers Insurance and Travelers compare when it comes to add-on coverage, which could help you decide which company fits your needs. Both companies include popular options like accident forgiveness, gap insurance, OEM parts coverage, and roadside assistance.

Farmers vs. Travelers Add-On Insurance Coverage Options

But there are some key differences. Farmers Insurance stands out for offering custom equipment coverage and rideshare insurance, making it a strong choice if you drive for a rideshare company or have aftermarket parts on your car. Travelers, on the other hand, includes a vanishing deductible program—great if you want your deductible to decrease over time with safe driving.

So, if you’re a driver who wants specialty protections or covers more unique risks, Farmers could be the better fit. But if you’re focused on lowering your out-of-pocket costs long term, Travelers might be worth a look.

Farmers vs. Travelers Auto Insurance Ratings & Reviews

This market share shows Travelers holds 4.1% of the U.S. auto insurance market, while Farmers Insurance accounts for 2.9%. That means Travelers ensures a larger share of drivers, possibly due to its lower rates and broader discount options. Most of the market—93%—belongs to other providers like State Farm, Geico, and Progressive.

Despite their smaller share, both Travelers and Farmers remain recognizable brands with distinct customer bases. Travelers lead 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

However, when you stack up Farmers and Travelers based on business ratings and customer feedback, Farmers comes out slightly ahead in overall satisfaction and is often listed among the top-rated insurance companies for home and auto.

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 score 1.32, which is above average but manageable, while Travelers hit 3.96, meaning it see 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 replacements.

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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.

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.