travellers insurance vs state farm

Travelers Insurance vs State Farm: How Do They Compare?

Travelers and State Farm are two of the largest and most well-known insurance companies in the United States. Both offer a wide range of insurance products for personal and commercial customers.

But how exactly do Travelers and State Farm compare when it comes to insurance? This comprehensive guide examines the key differences and similarities between Travelers insurance and State Farm to help you determine which provider may be a better fit.

Travelers Insurance Overview

Travelers is one of the oldest and largest property casualty insurers in the US. Some key facts about Travelers insurance:

• Founded in 1864, making it one of the oldest insurance companies operating today
• Offers insurance in property, casualty, transportation, construction, marine, and more
• Has more than 30,000 employees and 13,000 independent agents/brokers
• Holds an A++ (Superior) rating from AM Best and an A+ rating from Standard & Poor’s
• Had over $31 billion in revenue in 2021
• Offers insurance for personal, business, and specialty needs

State Farm Overview

State Farm is the largest auto and home insurer in the United States. Highlights about State Farm insurance:

• Founded in 1922 originally as an auto-only insurer
• Now offers over 100 products and services across 5 lines of insurance
• Employs around 70,000 people and has over 19,000 agents nationwide
• Holds an A++ (Superior) rating from AM Best
• Reported over $59 billion in revenue in 2020
• Specializes in personal insurance but also offers commercial policies

Insurance Products Offered

Personal insurance.

For individual customers, Travelers and State Farm have extensive offerings across common personal insurance lines:

Auto insurance – Both provide standard auto insurance policies as well as coverage options like rideshare insurance and accident forgiveness.

Homeowners insurance – They offer standard homeowners insurance, renters insurance, condo insurance and more.

Life insurance – State Farm offers permanent life insurance while Travelers provides term life policies.

Umbrella insurance – Both companies offer umbrella insurance to supplement existing liability policies.

Boat insurance – Coverage options are available for small watercraft like motorboats, sailboats, yachts and jet skis.

Some key differences:

Travelers advantages – Offers wedding, event, and special event insurance. Also provides niche coverage like identity fraud expense reimbursement and cyber insurance.

State Farm advantages – Its expansive network of captive agents provides very accessible local support. Also offers whole life insurance and retirement products like annuities.

Commercial Insurance

For business insurance needs, State Farm and Travelers provide extensive offerings:

General liability, commercial property, commercial auto, workers’ compensation, business owners policies, professional liability – offered by both

Specialty products like management liability, surety bonds, loss control services, cyber insurance – offered by both

Some notable differences:

Travelers advantages – Focuses on industries like manufacturing, healthcare, public entities, technology, and asset management. Provides niche policies for railroads, ocean marine, and aviation.

State Farm advantages – Streamlined business insurance package options. Extensive network of agents provides very accessible local support.

Discounts Offered

Travelers and State Farm offer a variety of ways for customers to save on their insurance premiums.

Common discounts offered by both:

• Multi-policy
• Good driving record
• Homeownership
• Paid-in-full
• Student away at school
• Defensive driving course completion

Travelers additional discounts:

• Hybrid/electric vehicle
• Early quote
• Affinity membership
• Driver training course completion

State Farm additional discounts:

• Passive restraint systems
• Anti-theft devices
• Farm Bureau membership
• Lengthy relationship with company

Financial Strength Ratings

Both insurers have extremely strong financial positions:

Travelers – Rated A++ (Superior) by AM Best and AA by Standard & Poor’s

State Farm – Rated A++ (Superior) by AM Best and AA by Standard & Poor’s

These exceptional ratings reflect each company’s ability to pay out claims even in periods of major catastrophes or economic downturns. Customers can feel confident that claims will be paid by either insurer.

Customer Satisfaction Ratings

Travelers and State Farm receive excellent ratings for customer satisfaction:

J.D. Power auto claims satisfaction – State Farm ranked 1st, Travelers ranked 2nd in the North Central region

J.D. Power homeowner satisfaction – State Farm ranked 2nd nationally, Travelers ranked 4th

NAIC Complaint Index – State Farm scored 0.58, Travelers scored 0.26 (lower is better)

While State Farm holds a slight edge in satisfaction, both insurers perform very well overall in taking care of their customers.

Travelers Insurance vs State Farm: Pros and Cons

Travelers pros.

• Offers coverage for high net worth individuals through its Private Client group
• Wide range of specialized business insurance offerings
• Availability of niche personal insurance products
• Accident forgiveness on auto policies
• Coverage for newest car models up to 5 years old

Travelers Cons

• Limited selection of whole life insurance products
• Home insurance rates tend to be higher than competitors’
• Mixed customer service reviews for handling of claims

State Farm Pros

• Largest agent network of any insurer provides exceptional access
• Smoother online quoting and purchase process through captive agents
• Bundling discounts reward customers with multiple policies
• Rewards safe driving through Drive Safe & Save program
• Excellent customer service reputation

State Farm Cons

• Rates tend to be higher for high-risk drivers
• Fewer discounts than some other top insurers
• Limited niche insurance offerings
• Poorer digital tools and quoting process without an agent

Cost Comparison

On average, State Farm offers slightly lower car insurance rates than Travelers overall – about $160 per month for State Farm vs $170 for Travelers based on 2021 national averages. However, Travelers is competitive in many states like California and Florida. And Travelers offers additional ways to save through discounts like hybrid/electric and affinity programs.

For homeowners insurance, Travelers rates are around 30% higher on average compared to State Farm according to 2021 national quotes data. But Travelers offers high-end coverage options for luxury homes that State Farm does not provide.

The best way to compare costs is to get an individual quote from both providers using accurate details about your property, vehicles, driving history and more. Prices can vary significantly based on these personal factors.

Travelers vs State Farm: Which is Better?

Overall, State Farm tends to have an advantage for standard personal insurance needs while Travelers leads for specialty commercial policies.

Travelers strengths are its long history, expertise in specialized insurance, and wealth of business coverages. The company is a great fit for high net worth clients, mixed-use homes, and medium or large businesses.

State Farm’s network of captive agents gives it superior accessibility. State Farm’s completely integrated bundle packages and streamlined digital experience are ideal for typical households looking for broad basic coverage. It focuses on value and efficiency for the mainstream consumer.

For most individuals and families, State Farm may be the better choice for simplicity, convenience, and competitive rates. But Travelers offers unique options worth exploring if you have specific risks like high-end collections or hobby farming operations. There’s no one size fits all – so review your own situation in detail before deciding.

GEICO vs Progressive vs State Farm vs Travelers vs Amica vs Chubb Auto Insurance 2023 RISK S1•E17

Is Travelers a reputable insurance company?

Who is State Farm insurance biggest competitor?

What is the #1 auto insurance in the US?

Who is the most trusted insurance company?

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Travelers vs. State Farm: Home Insurance Comparison

State Farm earned a score of 91 out of 100 in MoneyGeek's analysis of home insurance providers, while Travelers scored 88 out of 100. We assessed both companies' costs, benefits and coverages to help you find the best fit.

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Mark Fitzpatrick

Head of Insurance, MoneyGeek

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

Victoria Copans

Victoria Copans is a professional writer, editor and translator. She previously worked as the managing editor for online events industry publication XLIVE. As a self-described budgeting nerd, she was drawn to the personal finance space to help share important and useful information that people may not otherwise have access to. In her free time, she loves to travel, learn languages and explore the beautiful nature in her home of Vermont.

Updated: May 22, 2024

Advertising & Editorial Disclosure

• Comparison Overview
• Cost Comparison
• Customer Service Comparison
• Optional Coverages Comparison
• Discounts Comparison

According to MoneyGeek's study, State Farm ranks fifth in the U.S. against other home insurance providers, while Travelers ranks 15th. State Farm and Travelers both score well overall for affordability, financial stability and customer satisfaction. However, State Farm wins out when it comes to customer satisfaction, and Travelers is slightly more affordable on average.

To help you compare the two insurance companies, MoneyGeek's review of Travelers vs. State Farm homeowners insurance delves into their average rates, coverage options and available discounts.

Comparison Overview: Travelers vs. State Farm

MoneyGeek has created a table to help you compare Travelers vs. State Farm homeowners insurance policies, outlining the companies' distinctive features. The insurers received comparable overall scores and perfect scores for financial stability, indicating that they are financially sound and able to meet their financial obligations to their policyholders.

In terms of pricing, Travelers offers slightly cheaper premiums compared to State Farm, although they both scored well for affordability. However, State Farm comes out on top for customer satisfaction.

Another advantage of State Farm is its broader range of add-on coverage options and discounts, which gives customers more choices and flexibility in tailoring their policies to their specific needs. Travelers and State Farm homeowners insurance policies are both available in 48 states (including Washington, D.C.), making them accessible options for homeowners across the country.

MoneyGeek ranked companies based on nationally recognized data from leading consumer reporting agencies, including J.D. Power for customer service, AM Best for financial stability and Quadrant Information Services for affordability. Learn more .

Which Company Is Cheaper Overall?

Travelers has a slight advantage over State Farm in terms of affordability, with a cheaper average annual rate of $2,119 compared to State Farm's rate of $2,138. However, it's important to note that these are average costs of homeowners insurance , and your actual premium may vary based on factors such as your credit score, the location of your home and the estimated cost of reconstruction.

Average Annual Home Insurance Premium: Travelers vs. State Farm

Average Annual Premium

This is 1 % more expensive .

When calculating the cost of homeowners insurance, insurance companies consider several factors, but the most important are your home's location and the amount of dwelling coverage you need.

Which Company Is Cheaper Based on Dwelling Coverage Amount?

Dwelling coverage protects you financially if your home needs to be repaired or rebuilt due to a covered incident. Therefore, the amount you choose should be approximately equal to the total costs associated with repairing or rebuilding your home.

For coverage levels ranging from $100K to $500K, Travelers is slightly more affordable than State Farm. Conversely, for coverage levels between $750K and $3 million, State Farm offers better rates.

Refer to the MoneyGeek table below to understand how dwelling coverage amounts affect homeowners insurance prices.

Average Premiums for Travelers vs. State Farm

How much does each company cost by state.

Homeowners insurance rates vary across states. For example, Travelers' average rate in Ohio is its lowest rate in the country at $487 per year, while it charges the highest average rate in South Carolina ($8,742 per year). Meanwhile, Rhode Island is the cheapest state for State Farm coverage ($765 per year), and Texas is the most expensive ($3,994 per year).

Refer to the MoneyGeek table below to see how homeowners insurance rates from State Farm and Travelers vary by state.

Which Company Has Better Customer Service?

Evaluating the quality of service provided by a homeowners insurance company is just as important as considering its affordability. Prompt and efficient service is essential during the process of submitting and settling an insurance claim.

In MoneyGeek's study, State Farm narrowly beat out Travelers with a score of 91 out of 100, compared to Travelers' 88. They both scored perfectly in the area of financial stability, but State Farm outperformed Travelers in terms of customer satisfaction according to J.D. Power's Home Insurance study , leading to its higher overall customer service score.

Travelers vs. State Farm: Customer Service Scores

Which company has more optional coverages.

Travelers offers seven optional coverages compared to State Farm's 12, but it has more standard coverage options than State Farm.

A typical homeowners insurance policy includes personal property, liability and dwelling coverages. However, if you're looking for additional security beyond the standard coverage options, many companies offer certain less common optional coverages.

Travelers offers an energy efficiency upgrade, while State Farm offers several more optional coverages.

Travelers offers all of the standard coverage options, but State Farm only offers four — it does not offer extended reimbursement coverage or contents replacement cost coverage. The former provides more protection if your dwelling coverage amount is not enough to cover the repair of your home, while the latter covers the cost to replace personal items at the time of loss with no deduction for depreciation.

On the other hand, State Farm offers a wider range of less common coverages, including earthquake and home systems coverage. These add-ons can be useful if you want additional protection, such as if you live in an earthquake-prone area.

Note that MoneyGeek obtained this information from the companies' websites, and they may offer additional options not advertised online.

Which Company Has More Discounts?

Availing discounts can help you save more on your homeowners insurance . In our comparison of Travelers vs. State Farm homeowners insurance, we found that State Farm offers seven discount options, including all of the most common ones, whereas Travelers provides five total discounts and only three of the standard discounts.

The standard discounts offered by State Farm but not Travelers are the new home and home renovation discounts. These discounts can help you save money if you own a recently renovated or newly constructed property. Less common discounts exclusive to State Farm include the continuously insured discount and the roofing material discount.

On the other hand, Travelers offers two unique discounts: the home buyer and green home discounts. The former is available to new homeowners who have purchased their house within the last 12 months, while the latter can help you save up to 5% if your home is already certified as a green home by LEED .

Note that MoneyGeek acquired this data from the companies' websites, and they may offer other discounts that are not disclosed online.

How Much Could Your Homeowners Insurance Premium Cost?

The actual cost of your homeowners insurance will vary based on several factors, including, most importantly, the cost to repair or rebuild your home. To get a more accurate estimate of your rate, try out MoneyGeek's homeowners insurance calculator below.

If you're still unsure as to which insurer to choose, MoneyGeek has compiled a list of the best homeowners insurance for you to consider.

Home Insurance Calculator

MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.

Rates updated:

Sep 18, 2024

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team .

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC , NBC News and Mashable .

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

• J.D. Power . " Home Insurance Study ." Accessed June 12, 2023 .
• LEED . " LEED Rating System ." Accessed June 12, 2023 .
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State Farm vs. Travelers: Which Company is the Best Fit for You?

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money , review our editorial standards , and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

• Looking at the national averages for car insurance, State Farm offers slightly more affordable prices than Travelers
• State Farm offers less expensive average rates for drivers who have received a ticket within the last few years
• Travelers tends to be a much cheaper option for policyholders who live in the suburbs

In This Article:

• Which Company has the Cheapest Rates?
• Average Rates by State
• Best Company for Different Types of Drivers
• Best Company After a Ticket, Accident, or DUI
• The Company with the Most Discounts
• Final Thoughts
• Frequently Asked Questions

State Farm vs. Travelers: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy ? With so many ads from all sorts of companies offering substantial discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to State Farm or Travelers  as potential options, but between the two, which carrier has less expensive prices for auto insurance?

Looking at the national average rates for both companies, State Farm is about $9 per month cheaper than Travelers.

However, that doesn't necessarily mean State Farm will be the more affordable option for each driver. Insurance carriers use a variety of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among an array of other factors ), you could see wildly different premiums from the ones above.

Wanting to know if State Farm or Travelers is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

State Farm or Travelers: Average Car Insurance Rates by State

State Farm and Travelers compete against each other in 31 states, with Travelers offering less expensive premiums to the average driver in 16 of them. If you live in Alabama, Delaware, Idaho, Maryland, Mississippi, or a few others, Travelers is the more affordable of the two companies when looking at the overall average rates, but State Farm is the cheaper option in most of the others.

But there's more to calculating auto insurance premiums than just where you live . Continue reading to see how other factors will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. That's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of $0 less a month by choosing State Farm over Travelers.

But both carriers will drop rates by the time you turn 25. Travelers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. State Farm's average prices reduce nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best rates for retired drivers between State Farm and Travelers? State Farm gets the edge, with prices for drivers 65 and older $21 cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married policyholders than they are for single policyholders. This usually boils down to married drivers having more than one car on their policy -- something quite a few auto insurance companies will reward with discounts.

If you're in the market for car insurance, State Farm tends to have the cheapest average premiums regardless of if you're married or single, with prices almost 10% more affordable for married couples and around 4% cheaper for single drivers.

State Farm vs. Travelers: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they have an increased chance of filing a claim with insurance. Therefore, insurance carriers will tend to offer men more expensive prices.

On average, men see premiums about 7% per month higher with State Farm, while with Travelers, the difference is closer to 6% a month.

Looking at the data for each company specifically, State Farm comes out as the lowest option for both genders. On average, male drivers save about $8 per month and women save around $9 with State Farm compared to the average Travelers policyholder.

State Farm or Travelers: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance , State Farm typically offers slightly less expensive rates of $99 compared to Travelers's $108. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies about $10 a month more affordable than Travelers, on average.

Is State Farm or Travelers Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault accidents and tickets will most likely raise your premiums, but is State Farm or Travelers cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

State Farm policyholders can expect their rates to go up an average of $21 per month if they get a ticket, while Travelers usually raises prices around $32 a month, on average.

If you have a clean record, Travelers tends to offer the best premiums at about 4% more affordable, while State Farm has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through State Farm can expect to see around an $29 -- or about 18% -- increase in their car insurance rates. Drivers who use Travelers for their insurance will see a monthly bill around $45 (or 26%) more expensive after reporting a collision to their car insurance carrier.

Overall, drivers who use State Farm end up with the cheaper prices after an accident, with monthly premiums averaging $163 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Travelers will climb your prices about 38% after a DUI, while State Farm's average rates rise by over 25%.

If you have a DUI on your record and are looking for more affordable premiums, State Farm tends to be the much less expensive option with average rates of $179 a month compared to $205 from Travelers.

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect lots of drivers out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the most affordable rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with State Farm. Drivers with "excellent" credit can save just under 35% compared to Travelers, and those with "good" scores can also expect to see savings -- around $37 or 26% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about $25 less with State Farm than Travelers, but those whose credit is considered "poor" have it flipped -- saving around $69 per month with Travelers.

Is State Farm or Travelers Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on how much auto insurance carriers will charge for coverage? Typically, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, State Farm offers cheaper premiums than Travelers. Travelers's average prices for drivers with 6,000 annual miles come in just under $15 more expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay $5 more with Travelers over State Farm.

State Farm vs. Travelers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a pretty big role in how much you pay for insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Looking at these companies side-by-side, State Farm tends to offer the cheapest option for drivers in rural and urban areas, while Travelers wins in suburban areas.

In urban areas, State Farm's average prices are about $185 a month compared to Travelers's $204. Drivers in suburban ZIP codes pay around $160 with Travelers compared to State Farm's $161 monthly. Those in rural areas can expect to pay about $127 per month with State Farm and $136 with Travelers.

State Farm vs. Travelers Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by State Farm and Travelers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Overall, Travelers comes out ahead with 25 discounts to State Farm's 23.

Both carriers offer several of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and discounts for being a good student -- but Travelers also offers advance quote discounts, alternative fuel discounts, continuous insurance discounts, and more that State Farm does not.

On the flip side, State Farm has a couple unique discounts of its own -- annual mileage discounts, drive safe & save discounts, farm discounts, and more.

Final Thoughts: Is State Farm or Travelers Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is State Farm or Travelers the right company for you and your specific driver profile?

State Farm might be best for you if... .

• You have received a ticket within the last few years.
• You live in a rural neighborhood.
• You and your spouse are buying insurance together.

Travelers might be best for you if...

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You're looking for discounts -- Travelers has the most.
• Your home is located in the suburbs.

We hope this guide has ben a valuable resource as you compare State Farm and Travelers. We also hope we've given you the information you need to make the best decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just State Farm and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

State Farm vs. Travelers FAQs

Is State Farm or Travelers cheaper?

Looking just at the national average premiums, State Farm is the less expensive of the two carriers, offering average rates of $158 per month compared to $167 for Travelers. Even so, State Farm won't necessarily be the lowest company for everyone, since there are multiple different factors that come into play when it comes to your car insurance cost.

Who is better, State Farm or Travelers?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, State Farm offers cheaper prices for policyholders with an at-fault accident on their record, while Travelers is more affordable for drivers who have less-than-stellar credit scores.

Why do State Farm and Travelers offer me different rates?

Auto insurance companies take a look at several different variables when determining the premiums they charge drivers. Things like gender, where you call home, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both State Farm and Travelers calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different carriers.

How do I know if State Farm or Travelers is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be State Farm or Travelers at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology .

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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.

• All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
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State Farm vs. Travelers: Which Is the Best? (2024)

State farm’s low prices, availability in all 50 states, high customer satisfaction, and high iq score make it the clear winner..

13+ years creating insurance and personal finance content

Co-founded MillennialHomeowner.com

Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.

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15+ years in content creation

7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated September 17, 2024

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Table of contents

• State Farm vs. Travelers
• Telematics programs
• Compare rates
• Compare coverages
• Compare discounts

Table of contents Compare quotes

State Farm and Travelers are two of the largest car insurance companies in the United States, and both offer many different insurance products. [1] State Farm has nearly 17% of the market share , and Travelers has just over 2% market share. Both insurance companies have superior A++ financial ratings from AM Best as well. [2]

While both are excellent insurers, they shine in different areas. State Farm is available in all 50 states and offers some of the market’s most affordable rates. Travelers is more expensive than State Farm on average and isn’t available in all 50 states. However, Travelers offers a range of discounts and add-on coverage options that might be more appealing to some customers.

Here’s what you should know about each of these insurers so you can decide which one is right for you.

State Farm is the largest insurance company in the United States.

Travelers insurance offers unique add-on coverage options, like accident forgiveness and new-car replacement.

On average, State Farm offers cheaper insurance rates than Travelers and might be a better option for customers looking for affordable auto insurance rates.

State Farm vs. Travelers: The verdict

State Farm and Travelers are both well-known, financially secure insurance companies. On average, State Farm has more affordable insurance, according to Insurify data. Additionally, State Farm is available in all 50 states, whereas Travelers is only available in 43.

Travelers and State Farm both offer a few different add-on coverage options, like rental car coverage and roadside assistance. Additionally, both insurance companies provide many different types of discounts. When deciding between these two insurers, see which discounts you qualify for.

Finally, according to the J.D. Power 2023 U.S. Auto Insurance Study , State Farm scored higher than Travelers.

For these reasons, State Farm is an overall better choice than Travelers, and the information in the table below supports this assessment.

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

• Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
• Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
• Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
• Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
• Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

State Farm is the largest car insurance company in America and has been in business for more than 100 years. State Farm has an A++ (Superior) financial strength rating from AM Best and offers affordable car insurance.

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

High rates of customer satisfaction

Rideshare insurance available

No gap insurance offering

May not be the cheapest choice for drivers with violations

Keep Looking at Other Companies

Travelers insurance is one of the largest car insurance companies in America, ranking in the top 10. It has an A++ (Superior) financial strength rating from AM Best and offers many different types of add-on coverage options and discounts.

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Accident forgiveness available

Robust coverage selections and discount offerings

Rideshare coverage only available in Colorado and Illinois

High number of negative customer reviews with the Better Business Bureau

They Don't Want to Cover Claims

Claim Service

Find Cheap Car Insurance

Check quotes from 100+ top insurance companies

State Farm Drive Safe & Save vs. Travelers IntelliDrive

Both State Farm and Travelers offer telematics program initiatives to help reward customers for safe driving.

State Farm’s Drive Safe & Save program enables you to save up to 30% on car insurance using your smartphone, which tracks your driving habits. Good drivers can earn discounts.

Similarly, Travelers IntelliDrive can also earn customers savings of up to 30%. Drivers download a mobile app to enroll, and if they drive safely, they’re rewarded. One major drawback is Travelers says premiums could go up if IntelliDrive records riskier driving habits.

State Farm vs. Travelers: Which is the cheapest?

Your car insurance rate depends on a variety of factors, such as your age, location, driving record, and even your credit history in many states. On average, State Farm offers lower rates than Travelers insurance.

State Farm: Cheapest for drivers with a clean driving record

State Farm and Travelers both offer insurance under $100, on average, for drivers with clean records, but State Farm has lower rates.

State Farm: Cheapest for drivers with a speeding ticket

Travelers insurance charges more than what State Farm charges to insure drivers with a speeding ticket on their record.

State Farm: Cheapest for teen drivers

It can be a challenge to find affordable car insurance for young drivers. Travelers insurance costs more than what State Farm charges to insure teen drivers.

State Farm: Cheapest for drivers with bad credit

If you’re a driver with bad credit, State Farm offers cheaper car insurance than Travelers.

State Farm: Cheapest for senior drivers

State Farm offers cheaper car insurance than Travelers for senior divers in their 60s.

Compare coverages: State Farm vs. Travelers

The most common types of car insurance are liability coverage , uninsured/underinsured motorist coverage , collision coverage , personal injury protection (PIP insurance), medical payments coverage, and comprehensive coverage .

Both State Farm and Travelers offer these main coverage types. However, you might need several add-on coverage options depending on your lifestyle. State Farm offers an array of add-on coverages, from rental car coverage to rideshare coverage . However, Travelers offers even more add-on options, and you can often choose the coverage amounts you need.

Some add-on insurance options that Travelers covers and State Farm doesn’t include loan/lease gap insurance , new car replacement cost, and accident forgiveness.

Shop for Car Insurance Online

Compare discounts: state farm vs. travelers.

Both State Farm and Travelers Insurance offer numerous discounts. State Farm offers safe driver, multi-car, and multi-policy discounts. The insurer also offers good student discounts and discounts for students who are away at school.

And State Farm has a unique Steer Clear program. With this program, drivers younger than 25 can save on car insurance by completing program requirements, like watching safe driver videos and taking quizzes.

Travelers Insurance offers more discounts than State Farm. For example, Travelers offers discounts if you own a home or drive a hybrid or electric vehicle. It also offers discounts for driving a new car, and bundling your home insurance and car insurance policies can lead to more savings.

Here’s a more comprehensive look at the discounts each insurer offers.

State Farm vs. Travelers FAQs

If you still have questions about whether State Farm or Travelers is better for you, the following answers can help.

Is Travelers good about paying claims?

In J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study, Travelers scored 871 out of 1,000, slightly below the average of 878. [3] This means while many people were satisfied with how Travelers handled their claim, there’s room for improvement.

Who is State Farm’s biggest competitor?

State Farm is the largest auto insurance company in the nation, with a 16.84% market share. Its biggest competitor is Progressive, which has 14.05% of the market share.

What is the best alternative to State Farm?

The best alternative to State Farm depends on your personal needs, preferences, and what types of discounts you qualify for. State Farm is the largest and one of the most recognizable car insurance companies in the U.S. An alternative with a similar reputation would be another large auto insurer, like Progressive, Allstate, or GEICO.

What are the key differences between State Farm and Travelers insurance?

State Farm insurance is more affordable on average than Travelers insurance, but Travelers offers more discounts and more add-on coverage options.

Be sure to compare average rates from both insurers . The cost of car insurance policies can vary based on your age, ZIP code, marital status, and more. So, take a closer look at each insurer and decide what coverage levels you need to find the best option for you.

Even if your car insurance quote costs more than the national average, the insurer you select might offer the specific services you need. Additionally, some national insurers offer homeowners insurance, renters insurance, life insurance, and even health insurance. So, it’s possible to get many policies in one place.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

• Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
• Property damage limits between $10,000 and $50,000
• No additional coverage
• Comprehensive coverage with a $1,000 deductible
• Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

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• NAIC . " PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM ."
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• J.D. Power . " Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds ."

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.

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State farm vs. travelers auto insurance (2024), if you compare state farm vs. travelers auto insurance rates, you’ll find that state farm is around $10 cheaper a month. however, travelers has better financial ratings and fewer complaints than state farm. additionally, state farm and travelers have similar coverages and discounts., compare quotes from top companies and save.

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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.

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.

Table of Contents

State Farm vs. Travelers Auto Insurance 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. Read More: Best Auto Insurance Companies

The following chart shows the same information for women.

As you can see, State Farm rates are lower than Travelers rates, and women typically pay less for auto insurance than men.

Free Auto Insurance Comparison

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

State Farm vs. Travelers Auto Insurance Coverage

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
• 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 Auto Insurance Discounts

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
• Good driver
• Driver training

Discounts offered by Travelers include:

• Student away at school
• Green vehicles
• Pay in full

State Farm and Travelers offer similar discounts and both offer more discounts than many competitors.

State Farm vs. Travelers 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.

State Farm vs. Travelers 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 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:

• Battery service
• Fuel delivery

Travelers offers two levels of roadside assistance. The basic level includes:

• Towing up to 15 miles
• 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 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.

State Farm vs. Travelers: The Best Company

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.

👀 In the market for a new auto insurance provider? Compare insurance rates quickly on our site https://t.co/27f1xf131D for FREE. Speaking of insurance rates, have you ever wondered if State Farm is there when you need them🤝? We have a review for you https://t.co/twfTgnzp74 . pic.twitter.com/wHg3Xpll5h — AutoInsurance.org (@AutoInsurance) March 10, 2023

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.

Frequently Asked Questions

What are state farm and travelers auto insurance.

State Farm and Travelers Auto Insurance are two well-known insurance companies that offer coverage for automobiles. They provide various policies and options to protect drivers and their vehicles in case of accidents, damage, theft, and other related incidents.

How do State Farm and Travelers Auto Insurance compare in terms of coverage?

Both State Farm and Travelers Auto Insurance offer a wide range of coverage options for auto insurance. Four of the most common coverage that they provide include:

• Liability coverage
• Comprehensive coverage
• Collision coverage
• Uninsured/underinsured motorist coverage

The specific coverage options and details may vary between the two companies, so it is advisable to review their policy offerings to find the best fit for your needs.

Which company has better customer service, State Farm or Travelers Auto Insurance?

Customer service experiences can vary from person to person, and it’s essential to consider individual opinions and reviews when evaluating customer service. Both State Farm and Travelers Auto Insurance have dedicated customer service teams, and they strive to provide satisfactory assistance to their policyholders. Reading customer reviews and speaking with representatives from both companies can help you gauge their customer service quality.

Are State Farm and Travelers Auto Insurance similarly priced?

Insurance premiums are determined by various factors, such as the driver’s age, location, driving history, and the type of vehicle being insured. It’s challenging to make a direct comparison on pricing between State Farm and Travelers Auto Insurance without considering these individual factors. To find the best price for your circumstances, it is recommended to request quotes from both companies and compare the offers.

Can I manage my auto insurance policy online with State Farm and Travelers?

Yes, both State Farm and Travelers Auto Insurance offer online account management for their policyholders. Through their respective websites or mobile apps, you can access your policy details, make payments, view and update your coverage options, file claims, and more. The online platforms provide convenient tools to manage your auto insurance policies from the comfort of your own home.

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Travelers Homeowners Insurance Review

Offers green improvement reimbursement and green discounts on policies

Available in 45 states and D.C.

A++ rating from AM Best

Relatively expensive compared to other carriers

Other carriers rated higher in our sub-ratings

Lacks discounts other carriers have

Why Trust U.S. News

Our ratings are unbiased. We follow strict editorial guidelines, maintain a separate business team, and have a transparent methodology.

Companies Considered

Survey Respondents

ZIP Codes Analyzed

Table of Contents

About Travelers

Travelers review.

• State Availability

Key Takeaways:

• Travelers is available in 45 states and Washington, D.C.
• AM Best gave Travelers its highest rating of A++ for superior financial strength.
• Travelers had the highest average monthly premium costs among companies in our rating.

One of the oldest and largest insurance providers in the U.S., Hartford, Connecticut-based Travelers has been in business for more than 165 years. It offers a range of insurance policies including car, renters, pet, and business.

Travelers Home Insurance Details

• #10 in  Best Homeowners Insurance Companies

Founded in 1864, the Travelers Companies, Inc., commonly known as Travelers Insurance, is one of the oldest insurance companies in the United States. Travelers is a financially sound company, given the top rating of A++ from AM Best, an independent company that rates insurance carriers. Travelers offers homeowners insurance policies in 45 states as well as the District of Columbia.

Travelers offers a variety of optional coverages, including earthquake coverage, identity theft protection, and water backup coverage. There is also an option for green improvements which reimburses you for replacing items with more environmentally friendly items after a covered claim – for example, if your heat pump was damaged in a storm and you replaced it with a more energy-efficient model.

While costs can vary based on your specific situation, for our sample pricing archetype, Travelers quoted a monthly premium of $444.53, which was the highest among all of the insurance carriers we surveyed.

While Travelers does offer a variety of different discounts, including a multi-policy discount, a claim-free discount, and a discount for having an alarm system, some of the other carriers in our rating offer more discounts. There is also a discount if you have a Leadership Energy and Environmental Design (LEED) certified green home.

Travelers’ Claims Handling

Fifty percent of customers of Travelers who had filed a claim rated themselves as satisfied or completely satisfied with the ease of filing a claim. Additionally, only 70% of respondents rated themselves as satisfied or completely satisfied with how their claim was resolved. Both of these scores were among the lowest of any carrier we surveyed.

Travelers’ Customer Service

Travelers’ customer service also ranked among the lowest out of the companies that we surveyed, with 59% rating themselves satisfied or completely satisfied with the customer service they received. While this doesn't mean that Travelers’ customer service is bad, since we only surveyed the top insurance companies, it does mean that there are several other carriers in our rating with higher marks for customer service.

Travelers’ Customer Loyalty

Of the survey respondents with a Travelers homeowners policy an average of 69% said that they were likely or very likely to renew their current policy with Travelers. An average of 72% of respondents stated they would recommend it to a friend.

Travelers’ Value

Perhaps it is not a surprise with rankings in the bottom tier of companies that we surveyed and an above-average price that Travelers also scored near the bottom of the companies that we surveyed for overall value. Even so, an average of 78% responded that they were satisfied or completely satisfied with the value they received from their Travelers’s policy.

Bottom Line:

While it didn’t necessarily fare well in our sub-ratings, Travelers is widely available, has the highest credit rating from AM Best, and offers a wide range of coverage options and discounts. It may also be worth further investigation if you’re looking for coverage for green improvements and discounts for a LEED certification.

Travelers Homeowners Insurance Coverage Map

Available In:

• Connecticut
• District Of Columbia
• Massachusetts
• Mississippi
• New Hampshire
• North Carolina
• North Dakota
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota

What Homeowners Insurance Policies Does Travelers Offer?

A standard homeowners insurance policy with Travelers includes all the coverages typically found in any homeowners policy, including:

Dwelling Coverage

Other structures coverage, personal property, loss of use, personal liability, guest medical coverage.

Remember that homeowners insurance policies normally have maximum reimbursement limits for each of the categories above. Most policies allow you to purchase additional coverage for a specific need. For example, if you have a lot of valuable jewelry, you might want to consider adding additional coverage for valuable items.

What Optional Homeowners Insurance Coverage Does Travelers Offer?

Travelers offers a large assortment of optional coverages, including the following:

• Identity theft helps pay expenses incurred as a result of your identity and sensitive information being stolen and can provide assistance to restore your identity.  
• Jewelry and valuable items coverage is worth considering if your home contains a significant amount of jewelry or other valuables that might exceed the limits of a standard policy. 
• Contents replacement cost can be helpful, particularly if it has been a number of years since you purchased your policy. This optional coverage can reimburse you for the current replacement cost of personal property, rather than capping it at a preset amount.
• Earthquake damage is not covered by a standard policy with Travelers, as is the case with most insurers. Consider optional earthquake coverage if you live in an area where this is a threat. 
• Flood insurance is not included with a standard policy, but may be required by your lender if you live in an area prone to flooding. The National Flood Insurance Program (NFIP) provides flood insurance through various carriers at costs based on Federal Emergency Management Agency maps of high-risk flood areas. You can check these maps to see if you’re in a high-risk area. Flood insurance from Travelers is through its partner, Neptune Flood, a private flood insurance company.
• Water backup coverage provides reimbursement for a failed sump pump or sewer line in your home and isn’t typically included with a standard policy. 
• Green improvement coverage provides funds to rebuild your home to a more efficient or earth-friendly standard after a loss, even if the cost of materials exceeds the limits of your standard policy. 

What Doesn't Travelers Homeowners Insurance Cover?

Like most homeowners insurance companies, Travelers doesn’t include coverage for a flood or earthquake with a standard policy. Both are available as optional coverage with Travelers.

Standard policies also don’t include coverage for identity theft protection, valuable jewelry or collectibles, water damage from a failed sump pump or sewer, or rebuilding your home to be more energy efficient. All of these can be purchased for an additional cost.

How Much Is Travelers Homeowners Insurance?

According to our data, the average monthly premium for a homeowners policy from Travelers was $444.53. This was the highest of any of the carriers that we surveyed. It is important to note that the cost of homeowners insurance can vary significantly depending on the details of your home and other demographic factors, including your age, marital status, credit score, and location. For our quotes, we used a pricing archetype of a 47-year-old married individual with $300,000 in coverage on a home, $100,000 in liability, and basic home safety equipment.

What Homeowners Insurance Discounts Are Offered by Travelers?

Travelers offers many of the same discounts available with homeowners insurance policies from other companies, including:

• Multi-policy. If you purchase your car insurance or another policy through Travelers in addition to your homeowners insurance policy, you could be entitled to a discount.
• Protective device discount. You may be entitled to a discount on homeowners insurance if your home is equipped with smoke detectors, a home security system, a sprinkler system, or other approved device. 
• New home buyer. Buyers who have purchased a home within 12 months of purchasing a homeowners insurance policy may be eligible for a discount. 
• Green discount. Travelers offers a homeowners insurance discount of up to 5% for homes that have been Green Home certified by the Leadership Energy and Environmental Design (LEED) organization. 
• Claim-free. Homeowners who remain claim-free for a predetermined period of time may be eligible for a homeowners insurance discount. 

How Do I Buy Travelers Homeowners Insurance?

Travelers sells homeowners insurance through a network of 13,500 independent agents. Either way, company representatives and agents can walk you through the process, to make sure you get the coverage you need and any discounts you are entitled to.

For a quote, you can start on the company’s website or speak to a company representative.

You can find a quote by going to the Travelers website and entering your city and state or ZIP code. You’ll get a list of agents nearby, along with the types of coverage offered by each.

However you choose to get a quote and purchase a policy, be prepared to answer some questions about your home as well as its location and contents.

Here are some of the things to know before starting the quoting process:

• Age and size of your home, including garages and outbuildings
• Age of your roof, and type of roofing material used
• Whether your home is in or near a flood zone
• Types of security devices and alarms installed, if any

You should also have on hand:

• Inventory of appliances, computers, audio, and video equipment
• List of valuables, including jewelry and artwork
• Copy of your current homeowners insurance policy

Doing a little homework will help you get the best policy for your needs. The more thorough you are with itemizing details of your home and its contents, the better the likelihood of getting the best policy for your needs .

How Do I File a Homeowners Insurance Claim with Travelers?

Travelers customers can file a homeowners insurance claim either through the company website or by calling a toll-free phone number staffed 24/7.

Travelers states the fastest way to process a claim is usually through the company website, which walks you through the process with a series of questions. Whichever way you file your claim, make sure to include as many details as possible to ease the process and make sure you get the reimbursement you’re entitled to. Here are some things to consider having handy when making a claim:

• Your name and contact information
• Homeowners insurance policy information
• Date of incident, and type of damage
• Detailed description of the loss 
• Description of injuries if any 
• Inventory of items lost or damaged

Take plenty of photos to document the damage, and try to mitigate further damage if it is safe to do so. Save receipts for any tarps or other material used for this. Make sure to be available when the company sends an adjuster to your home, and be as thorough as possible when going over the damage.

The sooner you report damage, the sooner you’re likely to get help. This is particularly important after a major weather event when many homeowners may be making claims.

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Travelers vs. the Competition

Travelers vs. liberty mutual.

The standard policies of Travelers and Liberty Mutual include coverage for your dwelling (and other structures, personal property, liability, guest medical expenses, and loss of use). Both companies also offer extra coverage for jewelry and water backup. But, they do offer different coverage options. Liberty Mutual has an endorsement for inflation protection, which will increase your coverage limits at the time the policy renews to keep pace with inflation. Travelers has an option for green improvement reimbursements, where for a covered claim, Travelers will provide additional coverage if you upgrade to greener materials for a version of what was damaged or destroyed.

While Liberty Mutual does offer several potential discounts on policies, including a multi-policy discount, a claim-free discount, and an autopay discount, it is the only company we surveyed that did not offer a discount for having an alarm system or other protective devices installed. Travelers offers a discount for both of those, as well as discounts for having a new or remodeled home. Travelers is available in 45 states and D.C. and Liberty Mutual is available nationwide, in all 50 states and D.C.

Learn more in our Liberty Mutual review .

Travelers vs. Farmers

Travelers and Farmers offer very similar coverage options. Both offer endorsements for green reimbursement after a covered claim, water backup, identity theft, and personal article floaters. They also both offer discounts for bundling multiple policies, being claim-free, and having a LEED green home certification.

Farmers is only available in 41 states while Travelers is available in 45 states and Washington, D.C. Travelers also has a higher AM Best rating (A++) than Farmers (A). In terms of price, Travelers had a significantly higher average monthly premium than Farmers, $444 and $244 respectively, for our sample policy. When we increased the coverage limits of the sample to $500,000 dwelling and $300,000 liability, Farmers was still the cheapest of the two, $394 to Travelers’ $616.

In our survey, 70% of the respondents for Travelers stated they were satisfied or completely satisfied with how their claims were resolved while 81% of Farmers respondents said the same. For customer service, 59% of respondents for Travelers said they were satisfied or completely satisfied with the customer service they received. Meanwhile, 80% of respondents with Farmers said they were satisfied or completely satisfied with the customer service provided.

Learn more in our Farmers review .

Other Insurance Offered by Travelers

In addition to homeowners policies, Travelers offers a wide variety of insurance products, including:

• Boat and yacht
• Valuable items
• Wedding and event
• General liability
• Management and professional liability
• Small business owner’s policy
• Workers compensation

You can start the quote process on the company’s website or by calling (866) 522-1338. If you’re looking to report a claim, you can reach Travelers Insurance 24/7 at (800) 252-4633 or via an email form on their website.

Mold caused by a sprinkler system or the fire department when extinguishing a blaze is covered. Homeowners insurance policies will typically cover damage from mold if it is caused by something like a burst pipe, failed hot water heater, or leaking appliance. If the mold is deemed to be the result of poor maintenance, it may not be covered.

Water damage from something like a burst pipe or failed washing machine may be covered by a standard homeowners insurance policy. You may also be covered if the damage is caused by rain after a tree has gone through the roof. But flood damage is not covered by a standard homeowners insurance policy. Depending on your location, flood insurance may be available as an option through the National Flood Insurance Program (NFIP).

Standard homeowners insurance policies don’t typically include termite damage , because this type of damage is normally considered to be a maintenance issue.

Theft is covered with a standard policy from Travelers, up to the limits of your policy. If you have expensive jewelry or collectibles, consider adding optional valuable possessions coverage.

A leaky roof may be covered, depending on the cause. If the leak is caused by storm damage or a falling tree, you may be covered. If the damage is deemed the result of poor maintenance, it is unlikely to be covered.

Damage caused by a roof leak may be covered by your policy, but to be sure you should check with your insurance company.

Damage from a falling tree or branch may be covered as long as the damage is caused by wind, a storm, or other covered event. Keeping trees healthy and pruned can help prevent damage and make filing a claim easier if a problem does occur.

Dog bites or property damage caused by a pet are covered by the personal liability coverage part of a homeowners insurance policy with Travelers. Check with your agent about coverage limits or possible restrictions.

A homeowners insurance policy with Travelers includes personal liability coverage to pay medical bills and damages in the event of a visitor being injured on your property. You can purchase additional liability coverage if you feel that standard coverage is insufficient.

It can also provide coverage if someone in your household unintentionally causes damage to someone else’s property.

Fire insurance is included with a standard homeowners insurance policy from Travelers. Minimizing risk is key, and Travelers offers discounts for preventive devices such as smoke detectors and fire alarms.

Homeowners insurance generally does not cover damage from insects, because keeping pests out of your home is considered routine maintenance.

To cancel your policy, contact your insurance agent or call the dedicated billing line at (800) 842-5075. Refer to your policy agreement or ask your agent if you can expect any early termination fees.

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Travelers Plans How to Travelers Plans in The World

Travelers insurance vs state farm.

Traveling can be both exciting and stressful at the same time. While you’re exploring new places and experiencing different cultures, you’re also dealing with the risks that come with traveling. That’s why it’s important to have travel insurance.

What is Travel Insurance?

Travel insurance is a type of insurance that covers unexpected events and expenses that may occur during your trip. These may include cancelled flights, lost luggage, medical emergencies, and more. Depending on the insurance company and the type of policy you choose, travel insurance can also cover trip interruption, trip cancellation, and other travel-related issues.

Travelers Insurance

Travelers Insurance is one of the leading travel insurance providers in the United States. They offer a variety of policies to suit different travel needs and budgets. Their policies cover trip cancellation, trip interruption, emergency medical expenses, lost or stolen baggage, and more.

One of the benefits of Travelers Insurance is that they offer a 24/7 travel assistance hotline, which can be helpful if you encounter any travel-related issues while on your trip. They also offer a cancel for any reason policy, which allows you to cancel your trip for any reason and receive a full refund.

Prices and Coverage

Travelers Insurance offers a range of policies with prices that vary depending on the coverage you need. Their basic policy starts at around $20 per person, per trip, while their more comprehensive policies can cost up to $200 per person, per trip. The coverage you receive also varies depending on the policy you choose.

State Farm is a well-known insurance company that offers a range of insurance products, including travel insurance. Their policies cover trip cancellation, trip interruption, emergency medical expenses, and travel delay.

One of the benefits of State Farm is that they offer a multi-trip policy, which is a good option for frequent travelers. This policy covers an unlimited number of trips for a year.

State Farm’s travel insurance policies are competitively priced and offer good coverage. Their basic policy starts at around $25 per person, per trip, while their more comprehensive policies can cost up to $200 per person, per trip. The coverage you receive also varies depending on the policy you choose.

Both Travelers Insurance and State Farm offer good travel insurance policies with comprehensive coverage. When choosing between the two, it’s important to consider the coverage you need and the price you’re willing to pay. Be sure to read the fine print and understand what is and isn’t covered in each policy.

Frequently Asked Questions

Is travel insurance worth it.

Yes, travel insurance is worth it if you want to protect yourself against unexpected events and expenses that may occur during your trip.

What does travel insurance cover?

Travel insurance can cover a range of unexpected events and expenses, including cancelled flights, lost luggage, medical emergencies, and more. Depending on the policy you choose, travel insurance can also cover trip interruption, trip cancellation, and other travel-related issues.

How much does travel insurance cost?

The cost of travel insurance varies depending on the policy you choose and the coverage you need. Basic policies can start at around $20 per person, per trip, while more comprehensive policies can cost up to $200 per person, per trip.

How do I choose a travel insurance policy?

When choosing a travel insurance policy, consider the coverage you need and the price you’re willing to pay. Be sure to read the fine print and understand what is and isn’t covered in each policy.

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I have been associated with State Farm since 1993 and hold a license to provide insurance services in Florida. My team and I create insurance plans that protect vehicles and homes for individuals. I have particular expertise in assisting customers who are looking for comprehensive coverage to safeguard their families, including life insurance options.

Originally from Vietnam, I moved to Polk County at a young age. I am fluent in both English and Vietnamese, and I take great pleasure in helping individuals in Pinellas & Hillsborough County, including areas like St. Pete, Seminole, Largo, Pinellas Park, Clearwater, Palm Harbor, Tampa, and Oldsmar, with their insurance needs.

I have a B.S. Degree in Finance from the University of South Florida, and I hold designations as a CLU and CHFC. I am actively involved in the community and am a member of the St. Pete Chamber of Commerce and the Seminole Chamber of Commerce.

Additionally, we now have two team members dedicated to serving our Vietnamese community!

Please feel free to visit, call, or text our offices in St. Pete or Seminole for a complimentary insurance quote today!

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By filling out the form, you are providing express consent by electronic signature that you may be contacted by telephone (via call and/or text messages) and/or email for marketing purposes by State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates ("State Farm") or an independent contractor State Farm agent regarding insurance products and services using the phone number and/or email address you have provided to State Farm, even if your phone number is listed on a Do Not Call Registry. You further agree that such contact may be made using an automatic telephone dialing system and/or prerecorded voice (message and data rates may apply). Your consent is not a condition of purchase. By continuing, you agree to the terms of the disclosures above.

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Meet Jena Brown! She has lived in Seminole her entire life. Jena has been with State Farm and in this office for 26 years! Jena and her husband Tom have been happily married for 32 years. They have 2 children and two grandchildren who love to come and visit their Gigi at the office as much as possible.

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Meet Clay Cheatham! He is currently in college and plans to go into communications/mass media journalism. Clay was born and raised here in Seminole. Clay’s favorite part of his job is getting to make relationships with customers and interacting with the team. Clay loves to play guitar and spend time with his friends!

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Meet Tyler Aronowitz! Tyler's background in the pawnshop industry and customer service. His favorite part of the job is helping find and inform customers of the coverages that will protect them from financial loss at home and at their businesses as well as interacting with the amazing team we have built here at Tim Tran State Farm. Tyler likes to travel and spend time with my family. Tyler also used to play guitar in a rock band!

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Meet Kaitlyn Bears! Kaitlyn was born and raised in Clearwater, FL. She only moved out of Clearwater to Tampa to study at the University of Tampa. Kaitlyn's background is in customer service and marketing. Her favorite part of the job is being there for our customers and helping them in a time of need. She is licensed in Florida as well as Texas to assist customers who need life insurance. Kaitlyn loves to travel and cheer on her favorite Tampa Bay sports teams.

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Meet Patrick Dupeire! Patrick is from Seminole but has lived in St. Augustine as well. He has a background in the restaurant industry and is currently working on his bachelor’s degree from Florida International University. Patrick's favorite part of the job is learning new things each day and using that information to help our customers. He loves to travel and has been to Southeast Asia and Europe.

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Meet Hai Nguyen! Hai was born and raised in Saigon, Vietnam. Hai’s background in photography. Hai speaks English and Vietnamese. His favorite part of the job is helping customers protect themselves and their loved ones as well as provide great customer service. Hai loves to spend time with family & friends and capture beautiful moments around the world.

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Meet Sherrie Glow! She is our Team trainer. She does such an amazing job at her role of knowing technical knowledge, organizing, leadership, communication, and education. Sherrie fosters a culture of continuous improvement, ongoing education and professional development to make sure our team is at our greatest practices and industry trends.

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Meet Hannah Gorby! Hannah grew up in Michigan but has lived and worked in hospitality all over the country. She even lived for a year in Australia. Her favorite part of the job is being able to learn new skills while helping customers with all their insurance service needs. She’s excited to begin her career here at Tim Tran State Farm. In her free time you can catch her training her dog Delta.

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This busy insurance and financial services office has a passion to make a difference in the lives of others and better the community. If you want to work in an environment that is fun, challenging, and rewarding, then Tim Tran - State Farm Agent may be the right fit for you! If you are self-motivated, possess an entrepreneurial spirit and have a desire to win and achieve results, please consider joining our team. If you believe in having fun in a stable working environment and have a willingness to learn, we should meet to discuss our career opportunity. Come work with an energetic, fun team at Tim Tran - State Farm Agent!

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