Farmers vs Travelers

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

Farmers

Avg Monthly

$109/mo

Best Rate

$62/mo

Best For

Rural coverage

Top Discount

Good student 20%

Available In

14 locations

Travelers

4.2

Avg Monthly

$136/mo

Best Rate

$98/mo

Best For

Full coverage

Top Discount

Hybrid car 10%

Founded

1853 · New York, New York

Available In

7 locations

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Rate Comparison by State

Farmers cheaper: 0Travelers cheaper: 0

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Pros & Cons

Farmers

Detailed profile not yet available for Farmers.

Travelers

Pros

✓Competitive home insurance rates — especially in low-risk states
✓IntelliDrive telematics programme for auto
✓Strong financial ratings (A++ AM Best)
✓Available in all 50 states

Cons

✗Auto rates not always the lowest vs dedicated auto insurers
✗Limited digital self-service compared to newer competitors

Which Should You Choose?

Farmers and Travelers are evenly matched — each is cheaper in 0 of 0 states where both operate.

Travelers has a higher average customer rating (4.2/5) compared to Farmers (4/5). However, ratings can vary by state and coverage type.

Farmers is generally best for rural coverage, while Travelers stands out for full coverage. The right choice depends on your priorities — lowest price, best service, or specific discounts.

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Farmers vs Travelers — FAQs

Is Farmers cheaper than Travelers?

Farmers is cheaper in 0 of 0 states where both operate. However, rates vary by location, so Travelers may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Farmers or Travelers?

Farmers has an average rating of 4/5, while Travelers averages 4.2/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Farmers offer vs Travelers?

Farmers's top discount is "Good student 20%", while Travelers offers "Hybrid car 10%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Farmers to Travelers?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Farmers and Travelers to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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