Comparing quotes is the best way to get your lowest rates from top insurers like State Farm and Travelers. QuoteWizard is an independent company that helps you find your right policy at your best rate.
State Farm and Travelers are both top companies in the insurance industry. Both companies were rated top auto insurers for 2016. State Farm ranked #4 and Travelers was just in front at #3. State Farm has great, competitive discounts and excellent online features. Travelers also offers flexible payment plans, GAP coverage, and has excellent claims management.
However, Traveler’s website lacks important resources that could strengthen its platform. Still, their financial strength and J.D. Power ratings are comparably strong.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
State Farm
|
Travelers
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| Worst If |
State Farm
|
Travelers
|
State Farm
Commercial Auto InsuranceIf you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident. There are multiple coverage options for commercial auto insurance:
There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses. Classic Car InsuranceState Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance. The coverages for this type of policy are:
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Travelers
Travelers IntelliDrive ProgramIf 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, you drive with the IntelliDrive device, 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 DiscountOwning a hybrid or electric car helps save energy and help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one. |
| Bundling Coverage Discounts | State Farm | Travelers |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | State Farm | 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 | State Farm | Travelers |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | State Farm | Travelers |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | State Farm | Travelers |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | State Farm | Travelers |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| State Farm Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| 2016 | 105 | 34 |
| 2015 | 155 | 46 |
| 2014 | 178 | 29 |
| 2013 | 135 | 165 |
| State Farm Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Above average |
| Policy Offerings | Above average | Average |
| Pricing | Average | Above average |
| Local Agent | Among the best | Average |
| Call Center Representative | -- | Above average |
| Insurer Website | Average | -- |
| State Farm Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Average |
| Service Interaction | Above average | Average |
| Appraisal | Average | Average |
| Repair Process | Above average | Average |
| Rental Car Experience | Average | Below average |
| Settlement | Average | Average |
| State Farm Auto Insurance | Travelers Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A++ |
| Moody's | Aa1 | Aa2 |
| S&P's | AA | AA |
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State Farm
State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies. Pocket AgentThis app lets you:
You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login. CarCaptureThis app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote. Steer ClearThis app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences. Driver FeedbackThis an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results. Driver Feedback Instructor EditionThis app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback. Drive Safe & Save MobileThis app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan. MoveToolsThis app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move. Click here to learn more and download any of these State Farm mobile apps.
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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 Travelers Mobile app here. |
State Farm
State Farm Emergency Road ServiceThis service can help if you need:
Or if your car is stuck somewhere. Roadside Assistance Services Covered
Services Not Covered
Contact Phone NumberState Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here. |
Travelers
Travelers Roadside AssistanceTravelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium. Basic Roadside AssistanceServices covered
Premier Roadside AssistanceCovers all services in the basic package and:
If you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only if you break down over 100 miles from home.
Up to $500 limit for items damaged or stolen in the breakdown or incident. Contact Phone NumberTravelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here. |