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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
State Farm and Travelers are two of the largest insurers in the country, but they have different approaches to car insurance. State Farm offers affordable rates and a massive network of local agents. It also has excellent customer and claims satisfaction scores.
Meanwhile, Travelers focuses on giving you plenty of ways to customize your policy with a variety of add-on coverage options. We’ll break down some of the key differences between the two companies to help you decide which insurer best fits your needs.
State Farm offers lower average rates than Travelers, making it a better choice for budget-conscious drivers.
Travelers has more coverage options than State Farm, including gap insurance and new-car replacement.
State Farm scores higher than Travelers for customer satisfaction ratings and policy management.
When choosing between insurance companies, you should look at more than just price. You should consider the coverage options available, how easy it is to manage your policy, the insurer’s financial strength, and real customer experiences.
Compare.com analyzed State Farm and Travelers and scored their performance in the areas most important to drivers. The table below shows how State Farm and Travelers compare across these key categories.
Category | State Farm | Travelers |
|---|---|---|
| Cost | 5/5 | 4/5 |
| Customer satisfaction | 4.7/5 | 3.7/5 |
| Policy management | 5/5 | 4.4/5 |
| Availability | 5/5 | 4.3/5 |
| Industry reputation | 5/5 | 4.3/5 |
| Overall Score | 5.00/5 | 4.23/5 |
State Farm dominates nearly every category, earning perfect scores for cost, policy management, availability, and industry reputation. Travelers trails behind but still offers solid performance across all categories.
State Farm’s extensive agent network and higher customer satisfaction ratings give it a clear advantage for drivers who want personalized service.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of millions of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Check rates from top insurers, including State Farm and Travelers.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out with average rates that are among the cheapest in the nation. Plus, the insurer’s massive network of local agents provides personalized service that Travelers’ independent insurance agents model can’t quite match.
State Farm also scores higher for both claims and customer satisfaction, according to J.D. Power. But State Farm falls short for coverage options, giving you fewer ways to customize your policy.
Low rates
Excellent customer satisfaction scores
More than 19,000 local agents nationwide
Limited add-on coverages available
More expensive for high-risk drivers
Vanishing deductible not available
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $190/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.3 | 2.9 |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers a broader range of coverage options than State Farm, making it a better choice for drivers who want comprehensive protection. The company’s gap insurance, new-car replacement, vanishing deductible, and accident forgiveness fill important gaps that State Farm doesn’t cover.
But these extra options come at a cost. Travelers’ average rates are higher than State Farm’s, and the company scores below State Farm in customer satisfaction surveys.
Various coverage options available
Accident forgiveness available
Many discounts available
More expensive rates
Lower customer satisfaction scores
Below-average claims handling rating
Car insurance rates vary significantly from one driver to the next, even with the same insurer. Your age, driving record, credit history, location, and car all influence your premium.[1] That’s why comparing rates is essential — the cheapest option for your neighbor might not be the cheapest for you.
Checking average rates for drivers with profiles similar to yours gives you a starting point. But your actual rate depends on your unique circumstances. The table below shows how State Farm’s and Travelers’ full-coverage rates compare for different driver profiles, according to Compare.com data.
Driver Type | State Farm | Travelers | Industry Average |
|---|---|---|---|
| All drivers | $103 | $190 | $184 |
| Teens | $209 | $437 | $346 |
| Seniors | $73 | $140 | $160 |
| Recent ticket | $132 | $254 | $238 |
| Recent accident | $138 | $264 | $247 |
| DUI conviction | $147 | $272 | $263 |
| Poor credit | $171 | $212 | $227 |
Insurance rates vary dramatically from state to state. Factors like local accident rates, weather patterns, theft statistics, and state insurance regulations all affect premiums. Drivers in areas with high traffic density typically pay more for coverage. And people in rural areas with less congestion often enjoy lower rates.
Here’s how average monthly full-coverage premiums for State Farm and Travelers vary by state, according to Compare.com data.
State | State Farm | Travelers |
|---|---|---|
| Alabama | $98 | $132 |
| Alaska | $120 | N/A |
| Arizona | $128 | $221 |
| Arkansas | $83 | $196 |
| California | $309 | $325 |
| Colorado | $135 | $338 |
| Connecticut | $149 | $300 |
| Delaware | $159 | $244 |
| Florida | $138 | $285 |
| Georgia | $158 | N/A |
| Hawaii | $121 | N/A |
| Idaho | $51 | $137 |
| Illinois | $93 | $207 |
| Indiana | $83 | $164 |
| Iowa | $47 | $152 |
| Kansas | $99 | $171 |
| Kentucky | $156 | $251 |
| Louisiana | $119 | N/A |
| Maine | $76 | $131 |
| Maryland | $262 | $353 |
| Massachusetts | $75 | $292 |
| Michigan | $243 | $281 |
| Minnesota | $87 | $181 |
| Mississippi | $82 | $162 |
| Missouri | $130 | $324 |
| Montana | $71 | N/A |
| Nebraska | $145 | N/A |
| Nevada | $126 | $420 |
| New Hampshire | $103 | N/A |
| New Jersey | $346 | $448 |
| New Mexico | $106 | N/A |
| New York | $191 | $163 |
| North Carolina | $154 | $119 |
| North Dakota | $48 | N/A |
| Ohio | $71 | $170 |
| Oklahoma | $85 | N/A |
| Oregon | $104 | $296 |
| Pennsylvania | $101 | $152 |
| Rhode Island | $162 | $303 |
| South Carolina | $128 | $214 |
| South Dakota | $81 | N/A |
| Tennessee | $96 | $131 |
| Texas | $114 | N/A |
| Utah | $118 | N/A |
| Vermont | $38 | N/A |
| Virginia | $108 | $304 |
| Washington | $118 | $243 |
| Washington, D.C. | $292 | N/A |
| West Virginia | $74 | N/A |
| Wisconsin | $60 | $152 |
| Wyoming | $59 | N/A |
Both State Farm and Travelers offer standard coverages, like liability, collision, and comprehensive insurance. But the real differences between the two come down to optional add-ons and specialty coverages.
Here are the coverages State Farm and Travelers offer, according to publicly available information.
Travelers offers key insurance coverages that State Farm doesn’t, including gap insurance, new-car replacement, vanishing deductible, and accident forgiveness. If you want more flexibility with your auto policy, Travelers may be worth the extra cost.
That said, both companies offer rideshare driving coverage, making them solid choices for Uber and Lyft drivers.
Car insurance discounts reward safe driving, loyalty, and smart choices. But availability and amounts vary significantly between companies. The table below shows the discounts State Farm and Travelers offer, according to their websites.
Discount Type | State Farm | Travelers |
|---|---|---|
| Affinity | ✔ | |
| Alternative energy | ✔ | |
| Anti-theft | ✔ | |
| Automatic payments | ✔ | |
| Customer loyalty | ✔ | |
| Defensive driver | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Early shopper | ✔ | |
| Homeowner | ✔ | |
| Low-mileage | ✔ | |
| Military | ||
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ |
| New car | ✔ | |
| Paperless billing | ✔ | |
| Paid-in-full | ✔ | |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | |
| Student away at school | ✔ | ✔ |
| Usage-based/telematics | ✔ | ✔ |
State Farm offers 11 discounts, while Travelers offers 15. But State Farm has low-mileage discounts and anti-theft device savings that Travelers doesn’t advertise.
Travelers counters with an early shopper discount plus a homeowner discount, even if you insure your home elsewhere. It may also offer more savings for hybrid and electric vehicle (EV) owners.
Customer reviews give you valuable insight into how a company handles real-world situations. Reading reviews can help you identify patterns — like consistently slow claims handling or exceptionally helpful agents — that might affect your experience.
Below, you can check out what real Compare.com customers think about Travelers and State Farm.
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Many companies have usage-based insurance (UBI) programs that track your driving habits with a mobile app or plug-in device. Insurers use this data to reward you for driving safely or less frequently. UBI programs typically monitor driving habits like hard braking, rapid acceleration, speeding, and phone use.[2]
State Farm’s Drive Safe & Save can save you up to 30% off your premium, with a 10% discount just for signing up. The program tracks your driving throughout your policy period, and poor driving won’t increase your rates.
Travelers’ IntelliDrive saves you up to 30% off, with an enrollment discount of up to 10%. IntelliDrive tracks your driving for less time than State Farm — only 90 days. But Intellidrive can increase your premiums if you have less-than-safe driving habits.
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Below are answers to some common questions from drivers about choosing between State Farm and Travelers.
It depends. State Farm and Travelers both offer advantages to different types of drivers. State Farm has lower average rates for liability-only and full-coverage insurance. It also has higher customer satisfaction scores and better policy management. But Travelers has more coverage options, including gap insurance, accident forgiveness, and new-car replacement.
It depends. There isn’t a single “best” insurance company for every driver. The right insurer depends on many factors, like your coverage needs and location. State Farm ranks among the best insurers thanks to its affordable insurance costs and customer service, but comparing quotes from multiple companies can help you find the right coverage at the best price.
Yes. State Farm typically offers lower average rates than Travelers. But your actual rates vary significantly based on your location, driving record, and other personal factors. Comparing rates from multiple insurers is the best way to find the cheapest coverage.
The No. 1 car insurance company depends on the details important to you. State Farm is the largest auto insurance company in the U.S. But if you’re concerned with price, Country Financial offers the cheapest rates in the U.S., and Erie insurance ranks the best for claims satisfaction.
You have a few ways to cancel your Travelers insurance. You can call Travelers at 1 (888) 564-5043 or contact your independent agent to cancel your policy.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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