Compare Farmers vs. Travelers Insurance

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Which Company Will Save You the Most Money?

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Farmers and Travelers are two well-known companies in the world of insurance. Farmers was founded in 1928, and Travelers was founded much earlier, in 1864. Both companies have an A+ rating from A.M. Best as well as high J.D. Power ratings. Travelers was rated the #3 auto insurer for 2015, and has IntelliDrive to help customers drive more safely and earn discounts on their policies as a result. Farmers has great customer service reviews and extensive policy options and coverage.

However, Travelers has a below-average customer satisfaction rating, and Farmers’ website materials are not as complex or reliable as they could be. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers Travelers
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Travelers
  • You need flexible payment plans or GAP coverage
Worst If Farmers
  • You want slick online tools to manage your policy
Travelers
  • You value customer satisfaction or a strong website

Special Car Insurance Discounts

Farmers Travelers
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Travelers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers Travelers
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers Travelers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers Travelers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Travelers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Travelers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance Travelers Car Insurance
2016 167 34
2015 262 46
2014 237 29
2013 300 165

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance Travelers Car Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Average
Pricing Average Above average
Local Agent Average Average
Call Center Representative -- Above average
Insurer Website Below average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance Travelers Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Average Below average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance Travelers Car Insurance
A.M. Best A A++
Moody's Aa3 Aa2
S&P's A+ AA

Mobile Apps

Farmers Travelers
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

Roadside Assistance

Farmers Travelers
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.