State Farm vs. Travelers: Which Insurance Company Is Better in 2025?
Low rates and a solid selection of coverage options and discounts make State Farm the better auto insurance company for most drivers.
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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewed byKonstantin Halachev
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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.
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Table of contents
State Farm and Travelers Insurance are two of the largest U.S. car insurance companies. State Farm is No. 1, with a market share of about 19%, and Travelers is No. 8, with a market share of 2%, according to the National Association of Insurance Commissioners (NAIC).[1]
Both companies offer a wide range of insurance coverages and money-saving discounts, but Travelers has slightly more. State Farm has lower rates and a higher claims satisfaction ranking.[2]
Here’s what you should know about State Farm and Travelers, including their average rates, coverage, discounts, and customer satisfaction scores.
Quick Facts
The average monthly cost of liability insurance is $56 for State Farm drivers and $100 for Travelers policyholders.
State Farm and Travelers both have AM Best financial strength ratings of A++ (Superior).
Both companies offer optional telematics programs that reward safe driving with substantial discounts.
State Farm vs. Travelers: Our verdict
State Farm is the overall winner, thanks to highly competitive rates and higher claims satisfaction scores. But Travelers offers a broader coverage selection and has more discounts available, which gives it an edge for certain drivers.
Overall, State Farm is the better choice for budget-conscious drivers and people with higher-risk profiles who prioritize a seamless claims process. Travelers is the better choice for drivers who want more extensive coverage offerings and discounts.
But the best car insurance company for one driver won’t necessarily be the best for all drivers. The best way to find the right insurance for you is to compare insurance quotes and insurance policy features from a few different companies before you buy coverage.
State Farm vs. Travelers
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $144/mo* |
Overall rating 4.1 | Overall rating 4.8 |
Value for money 3.7/5 | Value for money 4.2/5 |
Customer service 4.2/5 | Customer service 4.5/5 |
Claims handling 4.0/5 | Claims handling 4.7/5 |
Special highlight Customer serviceAI-generated from 6633 user reviews | Special highlight Numerous discountsAI-generated from 512 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
State Farm: Best for low rates
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $56/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. | $108/mo |
4.1
Best choiceBased on 12,985 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,633)
James
Verified Review
Rising Prices
Reviewed in Florida on December 2025
They are fairly good at communicating, but raising prices twice this year—15% last February and 25% this December—is ridiculous. The only explanation is that it's across the board.
Nancy
Verified Review
Too High
Reviewed in Tennessee on December 2025
Too high. I have car and home insurance with State Farm. I'm 77 years old and pay a mortgage. No accidents, only drive once or twice a week.
Andrew
Verified Review
Insurance Should Cost Less
Reviewed in New York on December 2025
Customer service is excellent. Insurance premiums are better than average, but not as low as they should be.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers some of the lowest full-coverage auto insurance for drivers. It’s especially competitive with other major auto insurers, including Travelers, GEICO, and Allstate. State Farm has a good variety of coverage offerings and discounts, and it ranks highly for customer and claims satisfaction from J.D. Power.
Pros
Affordable rates
Many add-on coverages
Many discounts available
Cons
More customer complaints than expected
Less competitive rates for drivers with poor credit history
Gap insurance and accident forgiveness not available
Travelers: Best for coverage options
| User Reviews | 4.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| 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. | $100/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. | $187/mo |
4.8
Best choiceBased on 1,022 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (512)
David
Verified Review
Bad Customer Service
Reviewed in Colorado on December 2025
It took from November 21 to December 19 to get a quote, and I was already a customer for 1 year.
Clarisse
Verified Review
Travelers Auto Insurance Renewal
Reviewed in Massachusetts on December 2025
Travelers' prices have always been the lowest I've received every year at renewal.
Jack
Verified Review
Excellent
Reviewed in Alabama on December 2025
They cut my payment in half. I enjoy that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
You might pay more for insurance from Travelers, but it may be worth it if certain coverage choices are important to you. Travelers offers lease/loan gap insurance, for example, and you can add new car coverage that replaces a totaled new car you’ve owned for five years or less with the same make and model.
You’ll also find more discounts at Travelers, including those for homeownership (even if your homeowners insurance is with another company), hybrid/electric cars, and paying your bills with auto pay.
Pros
Many coverages available
Many discounts available
Fewer customer complaints than expected
Cons
Relatively high prices, especially for teen drivers
Below-average scores for claims handling
Accident forgiveness and rideshare coverage not available in all U.S. states
Travelers vs. State Farm: Which is cheaper?
Insurance companies customize annual premiums for each driver based on rating factors like age, driving history, and credit history.[3]
The following table shows the average car insurance rates Travelers and State Farm charge for different driver types. Average costs below reflect liability coverage quotes unless otherwise specified.
Driver Type  | State Farm | Travelers |
|---|---|---|
| Adult drivers | $51 | $92 |
| Liability-only coverage | $56 | $100 |
| Full coverage | $108 | $187 |
| Drivers with a speeding ticket | $71 | $132 |
| Drivers with a DUI | $83 | $148 |
| Drivers with an at-fault accident | $72 | $134 |
| Poor credit drivers | $90 | $122 |
| Good credit drivers | $45 | $87 |
| Teen drivers | $114 | $230 |
| Senior drivers | $40 | $74 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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State Farm vs. Travelers car insurance discounts
Discounts can lower your insurance costs by hundreds of dollars per year. State Farm and Travelers both offer many ways to save, but Travelers has a few auto insurance discounts you won’t find at State Farm.
Below, you can compare discount offerings from State Farm and Travelers.
Discount | State Farm | Travelers |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✖ | ✖ |
| Driver training course | ✔ | ✔ |
| Multi-policy/bundle discount | ✔ | ✔ |
| Multi-car | ✔ | ✖ |
| Low mileage | ✖ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✔ |
| New car | ✔ | ✖ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✖ |
| Auto pay | ✔ | ✖ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✖ |
| Alternative fuel | ✔ | ✖ |
| Pay in full | ✔ | ✖ |
Compare customer satisfaction and financial strength
State Farm and Travelers both earned top AM Best financial strength ratings of A++ (Superior). But the companies rank differently in terms of customer satisfaction ratings. State Farm ranked higher than Travelers in the J.D. Power 2025 studies for claims and customer satisfaction.[4]
State Farm also performs slightly better on the NAIC complaint index and with customer ratings on the Better Business Bureau (BBB) site.
Below, you can compare customer satisfaction and financial strength ratings from State Farm and Travelers.
Score | State Farm | Travelers |
|---|---|---|
| IQ Score | 9.3 | 8.5 |
| Customer reviews | 4.1/5 (1,003 reviews) | 4.8/5 (1,003 reviews) |
| J.D. Power | 650 | 609 |
| AM Best rating | A++ (Superior) | A++ (Superior) |
| NAIC Complaint Index | 0.85 (Below average) | 0.67 (Below average) |
| BBB customer reviews | 1.23 out of 5 | 1.05 out of 5 |
Recent customer reviews of State Farm car insurance
Insurify surveys consumers about their insurance companies and collects their ratings to help you decide if a particular company is a good fit for you. The following reviews are from verified State Farm customers.
James
Verified Review
Rising Prices
Reviewed in Florida on December 2025
They are fairly good at communicating, but raising prices twice this year—15% last February and 25% this December—is ridiculous. The only explanation is that it's across the board.
Nancy
Verified Review
Too High
Reviewed in Tennessee on December 2025
Too high. I have car and home insurance with State Farm. I'm 77 years old and pay a mortgage. No accidents, only drive once or twice a week.
Andrew
Verified Review
Insurance Should Cost Less
Reviewed in New York on December 2025
Customer service is excellent. Insurance premiums are better than average, but not as low as they should be.
John
Verified Review
Always provides results when coverage is needed
Reviewed in Oregon on December 2025
Coverage is excellent, and customer service is among the best compared to most providers. The cost is high, but you get top quality.
…
Recent customer reviews of Travelers car insurance
The following reviews are from verified Travelers customers. Learn more about whether Travelers is a good insurance option for your coverage needs.
David
Verified Review
Bad Customer Service
Reviewed in Colorado on December 2025
It took from November 21 to December 19 to get a quote, and I was already a customer for 1 year.
Clarisse
Verified Review
Travelers Auto Insurance Renewal
Reviewed in Massachusetts on December 2025
Travelers' prices have always been the lowest I've received every year at renewal.
Jack
Verified Review
Excellent
Reviewed in Alabama on December 2025
They cut my payment in half. I enjoy that.
Edwin
Verified Review
Overall Satisfaction
Reviewed in South Carolina on December 2025
I found Travelers' rates to be slightly excessive.
…
State Farm Drive Safe & Save vs. Travelers IntelliDrive
State Farm and Travelers offer telematics programs that track customers’ driving habits and can help safe drivers save on coverage.
Good to Know
Unlike pay-per-mile programs, which measure how much you drive and base rates on your mileage, telematics records data that allows insurers to evaluate how safely you drive.
Telematics programs are optional, so you’ll need to sign up, but you’ll often get an initial discount for opting in. Whether you can keep it, how long the discount lasts, and how much you can save overall depend on the insurer, program, and state.
State Farm’s Drive Safe & Save program uses a mobile app and beacon to track trip data and driving behaviors, including acceleration, braking, cornering, speed, and distracted driving. Drive Safe & Save has a maximum discount of 30% and no penalty for poor performance.[5]
Travelers offers three different versions of its app-based IntelliDrive program: IntelliDrive, IntelliDrive 365, and IntelliDrive Plus. Which one you use depends on what state you live in. In addition to measuring speed, braking, distractions, and time of day, IntelliDrive provides feedback to reinforce safe driving. It rewards safe driving with discounts of up to 30% to 35%, depending on the program. Unsafe driving behavior can increase your premiums.[6]
Below, you can compare telematics program features from State Farm and Travelers.
Feature | State Farm Drive Safe & Save | Travelers IntelliDrive |
|---|---|---|
| Best for | Drivers who don’t want to risk increased premiums | Drivers who appreciate gamified feedback |
| Savings potential | 10% initial discount and up to 30% based on driving behavior | Up to 10% initial discount and up to 30%–35% based on driving behavior |
| How it works | Uses your phone and a beacon installed in the car to record trip data and driving behavior | Uses your smartphone’s sensors to record trip and driving behavior data |
| Availability | 47 states (discount availability limited in North Carolina) | 43 states |
| Data tracked | Speed, acceleration, braking, mileage, and distracted driving | Speed, braking, distractions, and time of day |
| App rating (App Store/Google Play) | 4.8/5 4.6/5 | 4.7/5 4.5/5 |
| Average discount for good drivers | Not disclosed | Not disclosed |
| Driver feedback tools | Trip maps with feedback | Driving “streaks” and safety challenges |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app and beacon | Smartphone app |
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Compare coverages: State Farm vs. Travelers
You’ll find good coverage options with both companies, but Travelers offers a few coverages that State Farm doesn’t. For example, Travelers sells gap insurance and optional new car replacement cost coverage, which replaces your totaled new car purchased within the past five years with the same make and model.
Compare coverage offerings from State Farm and Travelers below.
Coverage | State Farm | Travelers |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Accident forgiveness | ✖ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✖ | ✔ |
| New car replacement | ✖ | ✔ |
| Classic car insurance | ✔ | ✖ |
| Rideshare insurance | ✔ | ✔ |
State Farm vs. Travelers FAQs
The following information can help answer your remaining questions about coverage offerings from State Farm and Travelers.
Which is cheaper: State Farm or Travelers?
State Farm has lower average costs than Travelers. But your quote may be higher or lower, depending on factors like your deductible, driving history, vehicle type, age, and whether you’re bundling your car insurance with home insurance or renters insurance. On average, liability insurance costs $56 per month from State Farm and $100 per month from Travelers.
Who is State Farm’s biggest competitor?
By market share, Progressive is State Farm’s biggest competitor. State Farm had 10% of the U.S. auto insurance market share, and Progressive had 7% in 2024, according to the NAIC.
Is $200 per month expensive for car insurance?
It depends. The amount you pay for car insurance will depend on rating factors, such as your age and driving record. For example, a $200 monthly premium may be an expensive cost for a 65-year-old driver with a clean driving record, but it’d be fairly competitive for a teen driver. The best rate for you will depend on your coverage needs, driver profile, and more.
Is State Farm good at paying claims?
Yes. State Farm earned 716 out of 1,000 points in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. The average score in the study was 700 out of 1,000 points.[2]
Which car insurance company offers the cheapest insurance?
COUNTRY Financial is the cheapest car insurance company, with an average liability insurance rate of $42 per month, according to Insurify data.
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 500+ 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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Sources
- National Association of Insurance Commissioners. "2024 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- J.D. Power. "It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds."
- State Farm. "Drive Safe & Save® Mobile for your smartphone."
- Travelers. "IntelliDrive® 365."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
Daria has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
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.