State Farm vs. Travelers Auto Insurance (2021)

If you compare State Farm vs. Travelers auto insurance rates, you’ll find that State Farm is cheaper. However, Travelers has better financial ratings and fewer complaints than State Farm. Additionally, State Farm and Travelers have similar coverages and discounts. Comparing State Farm vs. Travelers auto insurance will help you find the best option to meet your needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 26, 2021

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Things to Remember

  • 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: What are their annual 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
AgesState Farm Average Annual RatesTravelers Average Annual Rates
25$1,396$1,398
35$1,139$1,306
60$1,038$1,114
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The following chart shows the same information for women.

State Farm vs. Travelers: Female Average Annual Auto Insurance Rates by Age
AgesState Farm Average Annual RatesTravelers Average Annual Rates
25$1,262$1,348
35$1,139$1,266
60$1,038$1,073
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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: What coverages are available?

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: What discounts are available?

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: What are their 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: Do they have any 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: Do they offer 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: Do they have 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: Which company is best?

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.

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.

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