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State Farm or Travelers: Which company is best for you?

Being two of America's most popular insurance companies, State Farm and Travelers both offer a variety of insurance options. Read on to see which company is best for you and your insurance needs.

State Farm car insurance

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4.5 Rating from The Zebra

State Farm is the nation's most popular auto insurance company, holding nearly one-fifth of the U.S. car insurance market share. The company's network of agents allows each customer to receive a personalized experience. The company received good ratings from third-party reviewers and customers alike, earning positive rankings for its customer relations and finances, and a strong overall performance in The Zebra's independent customer satisfaction survey.

Pros Cons
  • Cheaper than average rates
  • An array of available coverages
  • Great customer satisfaction scores
  • Local agents across the U.S.
  • Not ideal for drivers with poor driving records
  • Few add-on coverages for those with special insurance needs
  • Much more expensive for drivers with poor credit
Learn more

Travelers car insurance

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4 Rating from The Zebra

While not the biggest insurer in the United States, Travelers is certainly among the oldest. The company boasts a strong reputation for providing customizable coverage at affordable prices and also offers a number of bundling options. However, Travelers' overall customer satisfaction scores tend to be lower than many competitors. Read more below.

Pros Cons
  • Affordable rates for most drivers
  • Wide-ranging coverage options
  • Plentiful discounts
  • Lower customer satisfaction scores overall
Learn more

Which company comes out on top?

State Farm


State Farm tops Travelers in a variety of categories: it earned higher marks in The Zebra's Customer Satisfaction Survey, placing third overall (Travelers ranked sixth). In the survey, State Farm scored 4.7 out of 5 in Claims Satisfaction and 4.5 out of 5 in Customer Satisfaction. State Farm's rates were higher than Travelers', on average, so price-conscious consumers should consider both options. 


State Farm vs. Travelers: car insurance rate comparison

Choosing an auto insurance company based on price alone can be tough: rates may vary based on your location, vehicle, and driving record. State Farm and Travelers each have different underwriting methods, meaning that your unique driving profile will have a big impact on how much you pay.

To simplify the shopping process, we've gathered average rates from Travelers and State Farm. These rates take into account various factors, including credit history, driving record, and age. Examine these figures to help guide you to the insurer that's right for you.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest rates for most drivers is Travelers, though State Farm's average rate $108 per month is certainly within budget for most drivers.


State Farm vs. Travelers: pricing by credit score

If you have a low credit score, Travelers may be the more affordable option. On average, Travelers offers some of the most affordable rates for drivers with credit scores lower than 580. Drivers with exceptional credit — scores of 800-plus — should also lean toward Travelers. See below typical insurance rates by credit tier for Travelers and State Farm.

 

RATES BY CREDIT LEVEL: TRAVELERS VS. STATE FARM
Credit level State Farm avg. annual premium Travelers avg. annual premium
Very Poor (300-579) $3,522 $3,224
Fair (580-669) $2,003 $1,773
Good (670-739) $1,613 $1,375
Very Good (740-799) $1,451 $1,182
Exceptional (800-850) $1,260 $1,069

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

State Farm vs. Travelers: rates for high-risk drivers

If you have a speeding ticket or DWI in your past, your rates could be lower with Travelers than with State Farm. Every auto insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurer suits you.

 

RATES BY CITATION: TRAVLERS VS. STATE FARM
Citation State Farm avg. annual premium Travelers avg. annual premium
At-fault accident (damage < $1,000) $2,849 n/a
At-fault accident (damage > $1,000) $1,524 n/a
DUI/DWI $3,854 $2,004
Reckless driving $2,895 n/a
Speeding ticket $1,983 $1,752

State Farm vs. Travelers: rates by age

Auto insurance companies use a driver's age to gauge the risk level they pose. Auto insurance policies are usually much more expensive for teen drivers — due to their lack of driving experience — and cheapest for middle-aged drivers. Because every car insurance company assigns rates differently, it's always a good idea to compare rates.

As a general rule, teen drivers concerned about cost should choose Travelers over State Farm. The former is one of the best budget choices for young drivers. See more pricing comparisons by age group below.

 

RATES BY AGE: TRAVELERS VS. STATE FARM
Age tier State Farm avg. annual premium Travelers avg. annual premium
Teens $5,820 $3,622
20s $2,379 $1,645
30s $1,585 $1,348
40s $1,587 $1,237
50s $1,558 $1,167
60s $1,485 $1,165

Aside from their rates, State Farm and Travelers each have their pros and cons, including their customer satisfaction ratings, discount programs, add-ons and financial stability. Be sure to get quotes and compare rates before settling on a policy.

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Ratings comparison: State Farm vs. Travelers

As two of the largest insurance companies in the United States, State Farm and Travelers are reviewed and rated by both customers and third-party evaluators based on a variety of factors. We've collected some of these recent ratings to help you determine each company's customer satisfaction standards, complaint ratios and financial security scores.

State Farm vs. Travelers
Ratings comparison State Farm Travelers
Financial strength (A.M. Best) Excellent Superior
JD Power (claims satisfaction) Above average Average
JD Power (customer satisfaction) Above average Below average
NAIC rating Above average Good
The Zebra's editorial review score 4.5/5 4/5
The Zebra's Customer Satisfaction Survey 4.5/5 4.3/5

Which company scores best?

State Farm


State Farm earned better ratings than Travelers across the board in categories such as customer satisfaction, claims satisfaction and the number of formal complaints. The Zebra's editorial reviews placed State Farm well above Travelers (4.5 versus 4.0, out of a possible 5).


The Zebra's Customer Satisfaction Survey

The Zebra conducted an in-house survey of insurance consumers to discover how they viewed their insurance companies across a number of topics. See below how each of these companies performed.

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State Farm

State Farm came in third overall with a score of 4.5. See additional survey highlights below.

  • Scored well with younger drivers
  • Second place for claims satisfaction
  • Third place for ease, customer service, trust and willingness to recommend
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Travelers

Travelers auto insurance came in sixth place overall (out of 15 carriers) with a score of 4.3. The company scored well in most categories. See highlights below.

  • Scored well in Online Satisfaction (4.4)
  • In the top 5 for Claims and Customer Service Satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


State Farm vs. Travelers: discount comparison

Most companies allow qualifying customers to take advantage of special auto insurance discounts. Below you can see a head-to-head rundown of discount options for both Travelers and State Farm.

State Farm vs. Travelers: discount comparison
Discount comparison State Farm Travelers
Good student
Multiple policies
Multiple vehicles
Anti-theft device(s)
Anti-lock brake system
Air bags
Good driver
Defensive driver
Student away at school
Driver training
Green vehicles
Affinity membership alum
Advanced purchase
Pay in full
Home owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military

In addition to the offers listed above, State Farm may provide an additional discount for vehicles built in 1994 or later, depending on the loss experience of the specific vehicle model.


Telematics options: State Farm vs. Travelers

State Farm and Travelers each has a telematics program that uses technology to track driving habits. The companies' offerings — Drive Safe & Save and IntelliDrive®, respectively — share much in common, but one may better suit your specific needs. See more information about each company's mobile app below. 

State Farm logo
State Farm Drive Safe & Save

State Farm Drive Safe & Save is a good option for safe and low-mileage drivers. The company claims that it can save customers up to 50% on premiums, though these types of savings are most likely to be seen by lower-mileage drivers. The program is available across most of the United States.

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Travelers IntelliDrive®

Travelers IntelliDrive offers drivers the chance to save up to 20%. Participating policyholders must download a mobile app that tracks your driving habits for 90 days, after which time you might see savings. Bear in mind that this program is not available in all states.

Zebra Tip: Look into telematics offerings


Each company offers a solid usage-based insurance option. Be sure to look into potential benefits and discounts affiliated with telematics before purchasing a policy. 


Roadside assistance: State Farm vs. Travlers

Find below summaries of the different roadside assistance options available from both Travelers and State Farm.

State Farm

State Farm's Emergency Road Service offers the following:

  • Mechanical labor at the place of breakdown
  • Towing of your vehicle to a repair facility,
  • Removal of a stuck vehicle
  • Delivery of gas or oil
  • Assistance with changing a tire or a jumpstart
  • Locksmith services

 

Travelers

Travelers offers two tiers of Roadside assistance, both available 24-hours a day. Have a look at how each package compares below:

Plan features Basic plan Premier Roadside Assistance
Towing

Yes (up to 15 miles)                            

Yes (up to 100 miles)
Jump starts

Yes

Yes
Fuel Delivery

Yes

Yes
Flat tire change

Yes

Yes
Lockout services

Yes

Yes
Winching services

Yes

Yes
Trip interruption coverage*

No

Yes
Personal property coverage**

No

Yes

 

*Covers up to $200 per day, up to a maximum of $600

** Provides $500 of coverage for personal property damaged or stolen

tow truck

State Farm vs. Travelers: home insurance

While each company has a huge presence in the car insurance industry, the same can be said of their homeowners insurance offerings. Both State Farm and Travelers offer unique coverage options and at fair price points. See our head-to-head comparison to find out which company might be the best fit for your home insurance needs.

State Farm homeowners insurance review

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4 Rating from The Zebra

State Farm has a number of solid options for coverage extras, making the company a great option for customers looking for flexible coverage. The company's rates are often more expensive than average. The company suffers from a lack of available homeowners discounts, with just four discount options available currently. State Farm's home insurance policies earn positive ratings from third-party reviewers, and the company ranked fifth overall in The Zebra's Customer Satisfaction Survey. Still, homeowners looking for basic insurance with minimal bells or whistles may want to look elsewhere.

Learn more about State Farm home insurance in our detailed review below.

  • The Zebra Customer Satisfaction Survey — 4.4/5: State Farm earned above-average reviews, compared with the top 15 home insurance providers in our study.
  • Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
  • Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
  • Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
  • NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
Learn more

Travelers homeowners review

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3.5 Rating from The Zebra

In addition to its auto coverage, Travelers also has a large footprint in the home insurance industry. The company boasts a variety of coverage options and discounts and offers reasonable rates overall. However, the company's homeowners offering didn't do quite as well in The Zebra Customers Satisfaction Survey. Find out more about the company and its ratings below.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Travelers received a 4.3 out of 5 in The Zebra's survey of customer satisfaction, 14th out of 15 companies.
  • Claims satisfaction (J.D. Power Rating) — Average: In J.D. Power's most recent property claims satisfaction report, Travelers came in just below the industry average.
  • Customer satisfaction (J.D. Power Rating) — Below average: Travelers fell below the industry average in J.D. Power's customer satisfaction study.
  • Financial strength — Excellent: According to AM Best, Travelers has strong financials and will be able to handle your claims.
  • NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Travelers' homeowners insurance, falling just below the national complaint index.
Learn more

Which company comes out on top?

State Farm


Each company has appealing home insurance product offerings, but State Farm fared better in reviews from customers and unbiased third-party sources. As an insurance customer, take some time to compare quotes, discounts and coverage options to understand which company best fits your unique coverage needs.


State Farm vs. Travelers: home insurance rate comparison

Average annual home insurance rates with State Farm are $1,356. Travelers' average is a bit pricier at $1,500 per year. Travelers and State Farm each have unique underwriting practices, so it's important to consider your quotes may not match these exactly when looking for coverage. 

Much like auto insurance rates, homeowners insurance prices can vary based on certain factors. Companies use your insurance history, along with historical data relating to your location, when putting together your quotes.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest home insurance rates is State Farm's average of $113 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


State Farm vs. Travelers: homeowners discount comparison

Both State Farm and Travelers provide home insurance discounts for qualifying customers. While these discounts are not as plentiful as many competitor companies, they may help customers find significant savings.

STATE FARM VS. TRAVELERS: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison State Farm Travelers
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Auto pay
New home construction
Gated community
Home renovation
Green home

Other insurance products and bundling options

Both State Farm and Travelers have many insurance products available, with the option to bundle policies for extra savings. See how the product offerings from State Farm and Travlers compare below.

State Farm vs. Travlers: other insurance products
Other products State Farm Travelers
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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RECENT QUESTIONS

My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?

Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
Aug 20, 2019 Crosby, TX

If my policy is being non-renewed because of multiple PIP claims, how will I be able to get coverage anywhere else?

Unfortunately, those PIP claims are going to work against you until they pass three years so it's going to be fairly difficult to find a well-known company willing to insure you. More than likely you will need a non-standard insurance company for the time being.
Nov 12, 2016 Sanford, FL

What's max amount of cars allowed on state farm insurance policy?

To get an exact answer you would want to contact State Farm directly. Most companies will allow four cars on a policy.
Dec 14, 2018 Barbourville, KY

Should I file a claim through State Farm?

These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record,&nbsp;an accident will typically increase your rates by about 20 to 30%.
Mar 1, 2020 Myrtle Beach, SC

Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.