State Farm vs Travelers
A practical comparison of State Farm and Travelers car insurance, covering coverage options, discounts, safe-driving programs, accident forgiveness, roadside assistance, rental protection and other features that can matter when choosing an auto insurance policy.
State Farm vs Travelers: What Is Different?
Both companies offer a broad range of auto insurance coverages, discounts and optional features. The most noticeable differences are in their telematics programs, accident-forgiveness options, deductible features and the way certain programs are structured.
Important: Auto insurance pricing and availability depend on factors such as your state, driving history, vehicle, selected limits, deductibles and eligibility. This comparison focuses on documented policy features rather than quoting a single price for every driver.
| Feature | State Farm | Travelers |
|---|---|---|
| Auto insurance | Broad auto insurance offering with liability, comprehensive, collision and uninsured/underinsured coverage options. | Broad auto insurance offering with liability, comprehensive, collision, PIP/no-fault, uninsured/underinsured and medical payments coverage. |
| Safe-driving program | Drive Safe & Save uses driving information and mileage considerations to determine a premium adjustment. | IntelliDrive programs use smartphone-based driving data to evaluate driving behavior and provide potential savings. |
| Telematics savings | Up to 30% under the standard published program terms; discounts may exceed 30% in some situations and vary by state. | IntelliDrive can provide savings of up to 30% in many program states; IntelliDrive 365 can provide savings of up to 35% for safer driving, with state-specific terms. |
| Accident forgiveness | Current official materials reviewed emphasize accident-free/good-driving savings rather than a comparable nationwide accident-forgiveness feature. | Responsible Driver Plan can include Accident Forgiveness, subject to state availability and eligibility. |
| Roadside assistance | Emergency Road Service can provide towing and roadside services, subject to policy terms. | Roadside Assistance is an optional coverage available for qualifying policies. |
| Rental protection | Car Rental and Travel Expenses coverage can help with rental and certain transportation expenses after a covered loss. | Extended Transportation Expenses/Rental Reimbursement can help pay for transportation after a covered loss. |
| Young-driver program | Steer Clear is designed for qualifying young and newer drivers. | Travelers offers multiple discount categories, including programs and discounts that can vary by state and eligibility. |
| Deductible features | Deductible options depend on the selected policy and state. | Premier Responsible Driver Plan can include Decreasing Deductible and Total Loss Deductible Waiver where available. |
State Farm vs Travelers Coverage Options
Coverage should be compared using the same liability limits, deductibles and optional protections. A lower premium does not necessarily represent equivalent protection if the policy limits or selected options are different.
Core Auto Coverage
State Farm provides a range of auto insurance coverage choices designed to be configured according to the driver’s needs and state requirements.
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured and underinsured motorist coverage
- Medical payments coverage
- Car Rental and Travel Expenses coverage
- Emergency Road Service
- Rideshare coverage where available
Core Auto Coverage
Travelers offers standard auto coverage together with a range of optional features that can be added depending on the driver’s circumstances and state.
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection or no-fault coverage
- Uninsured and underinsured motorist coverage
- Medical payments coverage
- Rental and transportation coverage
- Roadside Assistance
- Loan/lease gap insurance
- New car replacement
Liability
Helps protect against covered bodily injury and property damage claims for which you may be legally responsible.
Collision
Helps cover qualifying damage to your vehicle resulting from a covered collision, subject to the policy deductible.
Comprehensive
Provides protection for qualifying non-collision losses, subject to the terms and deductible of the policy.
Uninsured Motorist
Can provide protection in qualifying situations involving drivers who do not have adequate insurance.
Rental Coverage
Both companies offer options that can help with transportation while a covered vehicle is being repaired.
Roadside Assistance
Optional roadside services can help qualifying drivers when they experience certain vehicle problems.
State Farm vs Travelers Discounts
Discount availability varies by state and driver. The useful way to compare discounts is to identify which programs you can actually qualify for rather than counting the number of discounts.
| Discount or Saving Area | State Farm | Travelers |
|---|---|---|
| Safe driving | Drive Safe & Save can provide savings based on driving behavior and mileage considerations. | IntelliDrive programs reward qualifying safer driving behavior with potential savings. |
| Young drivers | Steer Clear may provide savings for qualifying drivers under 25 who complete the program requirements. | Discount availability for younger drivers depends on state and policy eligibility. |
| Good driving history | Good driver and accident-free savings may be available. | Safe Driver discounts may be available, subject to state requirements. |
| Bundling | Multi-policy discounts may apply when qualifying insurance products are combined. | Travelers offers bundling opportunities for qualifying policies. |
| Good student | Good Student Discount may be available to qualifying students. | Good student-related discounts may be available depending on the state and eligibility. |
| Defensive driving | Qualifying driver safety courses may result in a discount depending on the state. | Discount availability depends on state-specific requirements. |
| Vehicle safety | Vehicle safety features can qualify for savings depending on the vehicle and state. | Vehicle-related discounts may be available depending on policy and state. |
| Low mileage | Low-mileage savings may be available in qualifying situations. | Travelers lists low-mileage savings among its auto insurance savings opportunities. |
Drive Safe & Save vs IntelliDrive
Safe-driving programs can affect the way an insurance premium is calculated. Both companies use mobile technology, but their programs have different structures and state-specific rules.
State Farm Drive Safe & Save
Usage-based safe-driving program
Travelers IntelliDrive
Telematics driving-behavior program
Travelers IntelliDrive 365 is a separate program
Travelers also offers IntelliDrive 365 in a larger group of states. Travelers states that safer driving can lead to savings of up to 35% at renewal. The program can also provide an enrollment participation discount and a renewal participation discount where applicable. Riskier driving behavior may result in a higher premium under applicable program and state rules.
Why the telematics difference matters
Drivers considering either program should review how driving data is collected, which behaviors are measured, whether the program can affect the premium, and whether the program is available in their state before enrolling.
Accident Forgiveness: State Farm vs Travelers
Accident forgiveness can be particularly important to drivers concerned about the possibility of a premium increase following an accident.
Driving Record Savings
State Farm’s current published auto discount information highlights good-driver and accident-free savings. The specific availability and effect of these savings depend on the state and policy.
- Good driver savings may be available
- Accident-free driving can support savings
- Drive Safe & Save provides another driving-related savings opportunity
- Discount rules vary by state
Accident Forgiveness
Travelers offers Accident Forgiveness as an optional feature through its Responsible Driver Plan in qualifying situations.
- Can forgive one accident over a specified period
- Designed to help protect against a premium increase from the forgiven accident
- Eligibility depends on driving record and household factors
- Not available in every state, including California
Travelers also offers a broader Responsible Driver Plan
The Premier Responsible Driver Plan can combine Accident Forgiveness and Minor Violation Forgiveness with additional features such as Decreasing Deductible and Total Loss Deductible Waiver where available.
Important Features to Compare
The details below can become important after an accident, during a repair, or when a driver wants to manage the policy digitally.
Drive Safe & Save
State Farm’s telematics program can provide an initial participation adjustment and future premium adjustments based on eligible driving information.
IntelliDrive
Travelers evaluates driving behavior through its smartphone programs and can reward safer driving with savings.
Accident Forgiveness
Travelers offers an optional Accident Forgiveness feature through its Responsible Driver Plan where available.
Roadside Assistance
Both insurers offer roadside assistance options for eligible policies, with exact services and limits subject to policy terms.
Rental Protection
State Farm and Travelers both offer coverage that can help provide transportation following qualifying covered losses.
Deductible Features
Travelers offers a Decreasing Deductible feature through its Premier Responsible Driver Plan where available.
Rental and Roadside Assistance
Optional assistance features can have practical value when your vehicle is damaged, disabled or unavailable.
| Feature | State Farm | Travelers |
|---|---|---|
| Rental reimbursement | Car Rental and Travel Expenses coverage can help pay for a rental vehicle after qualifying covered losses. | Extended Transportation Expenses/Rental Reimbursement can help pay for a rental or other transportation after a covered comprehensive or collision loss. |
| Transportation expenses | Certain commercial transportation expenses can be covered under the applicable policy limits. | Covered transportation can include public transportation and other qualifying expenses. |
| Roadside | Emergency Road Service can include services such as towing and roadside assistance subject to policy terms. | Roadside Assistance can help qualifying drivers when stranded because of certain vehicle problems. |
| Gap coverage | Availability should be confirmed for the specific State Farm policy and state. | Loan/lease gap insurance is listed among Travelers’ optional auto coverages. |
How to Compare State Farm and Travelers Quotes
Comparing the quoted premium alone can produce misleading results. Use the same coverage structure when reviewing quotes from both companies.
Match Liability Limits
Request the same bodily injury and property damage limits from both insurers.
Match Deductibles
Compare identical comprehensive and collision deductibles so the premiums are easier to evaluate.
Check Discounts
Ask each insurer which discounts actually apply to your driver profile and vehicle.
Review Telematics
Understand whether participating in a safe-driving program can affect your renewal premium.
Review Optional Coverage
Check rental, roadside, gap, new-car replacement and other optional features relevant to your situation.
Check State Rules
Coverage availability, discounts and program rules can vary significantly by state.
Tip: If one quote is substantially lower, check whether the difference comes from coverage limits, deductibles, optional coverage, discounts or other rating factors before comparing the two premiums.
Compare Based on Your Driving Situation
Different drivers may place different importance on the features offered by each insurer. Use the following checklist to identify which parts of the comparison deserve closer attention.
| Driver Situation | State Farm Feature to Review | Travelers Feature to Review |
|---|---|---|
| You are interested in telematics | Drive Safe & Save | IntelliDrive or IntelliDrive 365 |
| You are a younger driver | Steer Clear eligibility and requirements | State-specific young-driver discounts |
| You want accident forgiveness | Review applicable accident-free and good-driver savings | Responsible Driver Plan and Accident Forgiveness availability |
| You frequently need a rental vehicle after a claim | Car Rental and Travel Expenses coverage | Extended Transportation Expenses coverage |
| You want deductible-related benefits | Review available deductible options | Decreasing Deductible and Total Loss Deductible Waiver where available |
| You want roadside assistance | Emergency Road Service | Roadside Assistance |
State Farm vs Travelers FAQ
Answers to common questions about comparing these two auto insurance companies.
Is State Farm the same as Travelers?
No. State Farm and Travelers are separate insurance companies. Both offer auto insurance, but their coverage options, discounts, telematics programs and policy features differ.
Does State Farm have Drive Safe & Save?
Yes. Drive Safe & Save is State Farm’s usage-based driving program. State Farm states that eligible participants receive an initial participation adjustment and can save up to 30%, with availability and discount rules varying by state.
Does Travelers have a safe-driving program?
Yes. Travelers offers IntelliDrive programs that use a smartphone app to evaluate driving behaviors and provide potential savings for safer driving. Program availability and terms vary by state.
How much can Travelers IntelliDrive save?
Travelers states that IntelliDrive can provide savings of up to 30% in many states. IntelliDrive 365 can provide savings of up to 35% for safer driving at renewal, subject to the applicable program and state rules.
Does Travelers offer accident forgiveness?
Yes. Travelers lists Accident Forgiveness as an optional feature through its Responsible Driver Plan. It can forgive one accident over a specified period, subject to eligibility and state availability.
Does State Farm offer rental car coverage?
Yes. State Farm offers Car Rental and Travel Expenses coverage that can help with rental and certain transportation expenses after qualifying covered losses, subject to policy limits.
Does Travelers offer rental reimbursement?
Yes. Travelers offers Extended Transportation Expenses, also referred to as rental reimbursement coverage, for qualifying covered losses.
Does State Farm or Travelers offer roadside assistance?
Both companies offer roadside assistance options. State Farm calls its coverage Emergency Road Service, while Travelers lists Roadside Assistance among its optional auto coverages.
Can auto insurance discounts vary by state?
Yes. Both insurers state that discount availability and eligibility can vary by state. Drivers should verify the specific discounts and requirements applicable to their policy.
What should I compare besides the premium?
Compare liability limits, collision and comprehensive deductibles, uninsured motorist coverage, rental protection, roadside assistance, telematics programs, accident forgiveness, discounts and any other optional coverage you may need.
Related Auto Insurance Pages
Continue exploring company profiles and insurance comparisons across the Newest Cars Insurance website.
Compare Coverage Before You Choose
State Farm and Travelers both offer extensive auto insurance options, but the right policy depends on your state, driving profile, vehicle, coverage needs, discounts and selected policy features. Compare equivalent coverage limits and deductibles to make the quotes meaningful.
Explore More Insurance Comparisons