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Farmers vs. Travelers: Which provider is better for you?

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Farmers vs. Travelers

Two big names in the insurance industry, Farmers and Travelers have been providing insurance for generations. Farmers was established in 1928, and Travelers has been around for more than 150 years.

Both providers offer affordable insurance by giving drivers discounts for things like paying in full and having a good driving record. And both have a good reputation for customer service. Farmers gets an A- from the Better Business Bureau while Travelers gets an A.

So which one should you choose? Take a look at our side-by-side comparison below to get the info you need to make your decision.

Our top pick:

  • Get rewarded for good driving habits
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents

Our top pick: Farmers

Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

  • Plenty of discounts
  • Catastrophe response for natural disaster.s
  • Personal support from 50,000 agents across the US
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Promoted
Travelers

Travelers

 Farmers

Farmers
About the provider Travelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices. “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to ensure that customers have peace of mind with its award-winning Farmers Claim Services.
Price Policy costs depend your personal situation. Visit Travelers for a quote based on your specific needs. Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* A A-
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

Travelers

Travelers

 Farmers

Farmers
Good student 8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home. B average or 3.0 GPA or higher
Defensive driver
Good driver 10-23% (no accidents or violations for the past 3 or 5 years)
Pay in full discount Up to 7.5%
Multicar Up to 8%
Military
Homeowner Up to 5%
Other discounts Continuous insurance discount – Up to 15% (no gaps in coverage)

EFT discount – 2-3% (pay through EFT or payroll deduction)

Good payer discount – Up to 15% (consistent payment on time)

Early quote discount – 3-10% (quote before your policy expires)

Driver training discount – Up to 8%

 Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage

Vehicle discounts

Travelers

Travelers

 Farmers

Farmers
Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts Hybrid/electric vehicle – Up to 10%

New car – Up to 10% (car less than 3 years old)

 Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

Bottom line

Farmers is the clear winner in terms of the total amount of discounts offered, but take a close look and make sure those discounts actually apply to you. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Farmers and Travelers

Name Product Roadside assistance New car protection Available states
Progressive
Progressive
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Allstate
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Metromile
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Liberty Mutual
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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Root
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
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Esurance
Esurance
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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The General
The General
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
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Elephant
Elephant
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
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SafeAuto
SafeAuto
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
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Direct
Direct
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
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Serenity
Serenity
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
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Dairyland
Dairyland
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.
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Compare up to 4 providers

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