Auto-Owners vs. Travelers Insurance

Which insurance provider is right for you? Compare coverage, cost, and quotes from Auto-Owners and Travelers.

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Auto-Owners vs. Travelers: What You Need to Know

Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opens the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners begins its affiliation with the Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.

For more than 160 years Travelers Insurance has been protecting homes, cars, valuables, and businesses. Today they have the reputation of being one of the best property and casualty companies in the industry and are the only one in the Dow Jones Industrial Average. The company has 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, Ireland, and Brazil.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Auto-Owners Insurance Co Overview and Travelers Overview.

Auto-Owners Insurance Co vs. Travelers: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Auto-Owners Insurance Co and Travelers. On average, Auto-Owners Insurance Co charges approximately $130.59 per month while Travelers comes in at around $169.27 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $83.76 per month and the most expensive is Michigan at $222.73 per month. For Travelers, the cheapest state average is Maine at $82.75 per month and the most expensive is Michigan at $256.51 per month.

Auto-Owners Insurance Co

Average Rate

$130.59
Travelers

Average Rate

$169.27
National

Average Rate

$117.77
State Auto-Owners Insurance Co Travelers
Alabama $123.70 $112.66
Arizona- $144.89
Arkansas $165.39 -
Colorado $155.93 -
Connecticut- $179.19
Delaware- $149.34
Georgia $132.26 -
Idaho $100.16 $185.29
Illinois $117.50 $112.25
Indiana $105.52 $150.27
Iowa $87.29 $136.94
Kansas $116.96 $159.79
Kentucky- $179.50
Maine- $82.75
Michigan $222.73 $256.51
Minnesota $117.93 -
Mississippi- $191.03
Missouri $117.74 -
Nebraska $113.71 -
Nevada- $209.18
New York- $226.16
North Carolina $92.83 $98.05
North Dakota $98.12 -
Ohio $83.76 -
Oregon- $127.94
Pennsylvania $135.13 $189.70
Rhode Island- $199.25
South Carolina $119.64 $115.72
South Dakota $167.26 -
Tennessee $106.44 $126.42
Utah $164.55 -
Virginia $111.99 -
Washington- $145.50
Wisconsin $103.25 -

Auto-Owners Insurance Co vs. Travelers: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto-Owners Insurance Co and Travelers typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Auto-Owners Insurance Co Travelers
1 Vehicle $119.12 $160.17
2 Vehicles $172.43 $200.79
3 Vehicles $242.75 $301.76

Auto-Owners Insurance Co vs. Travelers: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $134.95 per month and Travelers charges $155.04 per month for customers who own their home.

Own/Rent Auto-Owners Insurance Co Travelers
Own $134.95 $155.04
Rent $127.98 $177.73

What is Auto-Owners and Travelers Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Auto-Owners and Travelers ranked among the industry ratings.

ComparisonAuto-OwnersTravelers
Year Founded19161864
Market Share0.24%1.8%
A.M. Best RatingA++
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingBetter Than MostAbout Average
Moody’s RatingAa2
NAIC Complaint Index0.770
S&P RatingAAAA

Auto-Owners or Travelers: Insurance Products Offered

What coverage is available through Auto-Owners and Travelers? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Renters, RV, Umbrella insurance. Additional products from Auto-Owners insurance also includes Farm, Life, Motorcycle, and Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Auto-Owners Insurance Co and Travelers Insurance page.

InsuranceAuto OwnersTravelers
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Auto-Owners or Travelers: Ways To Save

Auto-Owners offers a wide range of discounts to its policyholders, including Favorable Loss History, Good Student, and Green discounts. Travelers also offer a few discounts that Auto-Owners doesn’t including Safe Driver, New Car, and MultiCar discounts. Start taking advantage of discounts offered by insurance providers like Travelers and Auto-Owners insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Auto-OwnersTravelers
Advance Quote DiscountAffinity Program Discounts
Favorable Loss HistoryContinuous Insurance Discount
Good Student DiscountDriver Training Discount
Green DiscountEarly Quote Discount
Life Multi-policy DiscountEFT, Paid in Full and Good Payer Discount
Multi-car DiscountGood Student Discount
Multi-policy DiscountHome Ownership Discount
Paid-in-full DiscountHybrid/Electric Vehicle Discount
Payment HistoryIntelliDrive Program Safe Driving Discount
Safety Features DiscountsMulti-policy Discount
Student Away at School DiscountMultiCar Discount
Teen Driver Monitoring DiscountNew Car Discount
Safe Driver Discount
Student Away at School Discount

Pros & Cons of Auto-Owners & Travelers

Pros

Auto-Owners
  • Several options for discounts for teen drivers.
  • Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.
Travelers
  • Unlike other carriers who only offer it for the first two or three years, Travelers’ new car replacement covers the first five years.
  • Travelers offer accident forgiveness.
  • Offers ridesharing insurance.
  • Discounts on hybrids and electric vehicles.

Cons

Auto-Owners
  • Auto-Owners Insurance only serves 26 states.
  • No rideshare insurance.
Travelers
  • Prices tend to be high.

Auto-Owners or Travelers Mobile Apps Options

The Auto-Owners Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.

The Travelers Mobile app is available for iOS and Android. This award-winning mobile app can help manage insurance and banking accounts, request roadside service, file and track claims and pay bills.

Auto-Owners Mobile App
iOS     3.334 user reviews
Android     4.353 user reviews
Travelers Mobile App
iOS     2.715K user reviews
Android     3.316K user reviews

Auto-Owners & Travelers Contact Info

Auto-Owners Contact Info
Address6101 Anacapri Blvd., Lansing, MI, 48917
Phone1-517-323-1200
Websitehttps://www.auto-owners.com/
Facebookhttps://www.facebook.com/AutoOwnersInsurance/
Twitterhttps://twitter.com/AutoOwnersIns
Youtubehttps://www.youtube.com/user/AutoOwnersInsurance
Linkedinhttps://www.linkedin.com/company/auto-owners-insurance/
Travelers Contact Info
Address485 Lexington Ave New York, NY 10017
Phone1-800-328-2189
Websitehttps://www.travelers.com
Facebookhttps://www.facebook.com/travelers
Twitterhttps://twitter.com/travelersinsurance
Youtubehttps://www.youtube.com/user/travelersinsurance
Linkedinhttps://www.linkedin.com/company/travelers

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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