- About us
- Agent Login
- 855.214.2291
Auto-Owners vs. Travelers Insurance
Which insurance provider is right for you? Compare coverage, cost, and quotes from Auto-Owners and Travelers.
Compare Car Insurance Rates in Your Area
- Insurance quotes /
- Auto /
- Company Comparison /
- Auto-Owners Insurance Co vs Travelers
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 $129.09 per month while Travelers comes in at around $163.15 per month. For Auto-Owners Insurance Co, the cheapest state average is Georgia at $103.27 per month and the most expensive is Michigan at $130.98 per month. For Travelers, the cheapest state average is Illinois at $99.12 per month and the most expensive is Connecticut at $218.56 per month.
Average Rate
Average Rate
Average Rate
| State | Auto-Owners Insurance Co | Travelers |
|---|---|---|
| Arizona | - | $147.88 |
| Connecticut | - | $218.56 |
| Georgia | $103.27 | - |
| Illinois | - | $99.12 |
| Michigan | $130.98 | $161.18 |
| Nevada | - | $174.23 |
| New York | - | $172.04 |
| Oregon | - | $210.82 |
| Pennsylvania | $122.20 | $130.08 |
| Washington | - | $172.70 |
Auto-Owners Insurance Co vs. Travelers: Rates by Number of Vehicle
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 | $124.33 | $159.89 |
| 2 Vehicles | $180.28 | $207.67 |
Auto-Owners Insurance Co vs. Travelers: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $138.10 per month and Travelers charges $157.90 per month for customers who own their home.
| Own/Rent | Auto-Owners Insurance Co | Travelers |
|---|---|---|
| Own | $138.10 | $157.90 |
| Rent | $126.34 | $164.41 |
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.
| Comparison | Auto-Owners | Travelers |
|---|---|---|
| Year Founded | 1916 | 1864 |
| Market Share | 0.24% | 1.8% |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Better Than Most | About Average |
| Moody’s Rating | Aa2 | |
| NAIC Complaint Index | 0.77 | 0 |
| S&P Rating | AA | AA |
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.
| Insurance | Auto Owners | Travelers |
|---|---|---|
| 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-Owners | Travelers |
|---|---|
| Advance Quote Discount | Affinity Program Discounts |
| Favorable Loss History | Continuous Insurance Discount |
| Good Student Discount | Driver Training Discount |
| Green Discount | Early Quote Discount |
| Life Multi-policy Discount | EFT, Paid in Full and Good Payer Discount |
| Multi-car Discount | Good Student Discount |
| Multi-policy Discount | Home Ownership Discount |
| Paid-in-full Discount | Hybrid/Electric Vehicle Discount |
| Payment History | IntelliDrive Program Safe Driving Discount |
| Safety Features Discounts | Multi-policy Discount |
| Student Away at School Discount | MultiCar Discount |
| Teen Driver Monitoring Discount | New 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 | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
| Travelers Mobile App | ||
|---|---|---|
| iOS | 2.7 | 15K user reviews |
| Android | 3.3 | 16K user reviews |
Auto-Owners & Travelers Contact Info
| Auto-Owners Contact Info | |
|---|---|
| Address | 6101 Anacapri Blvd., Lansing, MI, 48917 |
| Phone | 1-517-323-1200 |
| Website | https://www.auto-owners.com/ |
| https://www.facebook.com/AutoOwnersInsurance/ | |
| https://twitter.com/AutoOwnersIns | |
| Youtube | https://www.youtube.com/user/AutoOwnersInsurance |
| https://www.linkedin.com/company/auto-owners-insurance/ | |
| Travelers Contact Info | |
|---|---|
| Address | 485 Lexington Ave New York, NY 10017 |
| Phone | 1-800-328-2189 |
| Website | https://www.travelers.com |
| https://www.facebook.com/travelers | |
| https://twitter.com/travelersinsurance | |
| Youtube | https://www.youtube.com/user/travelersinsurance |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
Compare Insurance Rates for Free.
Answer a few questions and let Penny find the best rates in your area.