American Family vs. Travelers Auto Insurance (2021)

Comparing American Family vs. Travelers car insurance rates shows that Travelers’ rates for teen drivers are over twice as much as American Family’s, but Travelers is a better choice for drivers with an accident on their record. American Family’s rates for 25-year-old males are cheaper than Travelers and those with a speeding ticket on their record should consider American Family a better choice. Compare American Family vs. Travelers car insurance to see which is best for you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

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Things to Remember

  • American Family has a higher customer complaint ratio than Travelers
  • Travelers’ rates for teen drivers are over twice as much as American Family’s
  • American Family’s rates for 25-year-old males are cheaper than Travelers’
  • American Family is better for those who have gotten a speeding ticket
  • Travelers is better for those with an accident on their record, and it offers more discounts than American Family

American Family and Travelers are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?

There are many factors that affect the cost of auto insurance. In our American Family vs. Travelers auto insurance guide, we compare rates by age, driving record, and credit score.

We also compare available discounts and ratings from agencies with a credible and trustworthy view of American Family vs. Travelers auto insurance companies.

Before jumping into this American Family vs. Travelers auto insurance review, enter your ZIP code to start comparing quotes from multiple companies in your area.

Is American Family auto insurance or Travelers auto insurance cheaper based on age?

The more we drive and the longer we drive, the safer and more aware we are behind the wheel. For this reason, age will be a significant factor when comparing your American Family vs. Travelers auto insurance quotes.

In most states, it’s legal to base auto insurance rates on marital status and gender; however, some have banned this practice.

Let’s compare American Family’s auto insurance rates and Travelers’ auto insurance rates based on age, gender, and marital status.

American Family vs. Travelers Average Annual Auto Insurance Rates by Age
DemographicAmerican Family Average Annual Auto Insurance RatesTravelers Average Annual Auto Insurance Rates
Single 17-year-old female$5,997$9,307
Single 17-year-old male$8,131$12,851
Single 25-year-old female$2,289$2,325
Single 25-year-old male$2,695$2,491
Married 35-year-old female$2,203$2,179
Married 35-year-old male$2,224$2,200
Married 60-year-old female$1,993$2,052
Married 60-year-old male$2,014$2,074
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Travelers’ rates for teen drivers are more than double those of American Family. Interestingly, American Family vs. Travelers auto insurance rates for drivers 25 and older are fairly comparable.

The Travelers auto insurance rates for single 25-year-old males are 8% cheaper than the American Family insurance rates for this demographic.

If you have young drivers in your family, specifically under 25, expect to get much better rates with American Family.

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Is American Family auto insurance or Travelers auto insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your affordable auto insurance rates no matter what company you pick because these infractions make you a higher risk to insure.

American Family vs. Travelers Average Annual Auto Insurance Rates by Driving Record
InfractionAmerican Family Average Annual Auto Insurance RatesTravelers Average Annual Auto Insurance Rates
Clean record$2,694$3,448
With one speeding violation$3,026$4,261
With one accident$3,723$4,290
With one DUI$4,330$5,741
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Overall, American Family auto insurance quotes are lower for drivers with a bad driving record than Travelers auto insurance quotes.

When it comes to having a speeding ticket or an accident on your record, the companies’ rates vary considerably.

A driver who gets a speeding ticket while with Travelers will see their rates increase by 24%, while drivers with American Family will only see a 12% increase.

Alternatively, if you cause an accident while with Travelers, you’ll see about the same increase in rates you’ll see with a speeding ticket, whereas American Family will raise your rates by 38%.

Both companies show about the same percentage increase (61%-67%) in rates when comparing a driver with a clean record to a driver that has a DUI on their record.

Is American Family auto insurance or Travelers auto insurance cheaper based on credit score?

If you experience some type of financial trauma, such as incurring medical debt or going through a divorce, your good credit score can drop in a matter of months.

In most states, it’s legal for auto insurance companies to factor in your credit score when determining your rates; however, some are banning this practice along with factoring in gender and marital status.

Car insurance companies justify using your credit score to determine your rates based on the assumption that those with higher credit scores are more responsible and less likely to file a claim.

Is it easier to find affordable American Family auto insurance or affordable Travelers auto insurance? Let’s compare affordable American Family vs. Travelers auto insurance rates by credit score.

American Family vs. Travelers Average Annual Auto Insurance Rates by Driving Record
Credit HistoryAmerican Family Average Annual Auto Insurance RatesTravelers Average Annual Auto Insurance Rates
Good Credit (670-739)$2,692$4,059
Fair Credit Score (580-669)$3,170$4,344
Poor Credit Score (300-579)$4,468$5,160
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Initially, American Family has cheaper auto insurance rates than Travelers. However, you will see larger rate increases if your credit score drops.

So, if you have a bad credit history, American Family is the better option at first; however, you may consider switching if you do experience financial trauma in the future.

Check your local auto insurance laws before you make your choice. It may be that basing auto insurance rates on gender, marital status, and/or credit score has been outlawed in your state.

Does American Family or Travelers have better auto insurance discounts?

Because these companies are so diverse in their offerings, their auto insurance discounts are also diverse. Below is a list of the different deals offered by both American Family and Travelers.

If you have a bad driving record or a low credit score, getting good discounts can offset your high rates.

Our source lists only three American Family auto insurance discounts: the defensive driver discount, the discount for having airbags, and the discount for using the company’s driving device or app.

American Family vs. Travelers Auto Insurance Discounts
DiscountsAmerican FamilyTravelers
Adaptive Cruise ControlN/AN/A
Adaptive HeadlightsN/AN/A
Anti-lock BrakesYesN/A
Anti-TheftYesN/A
Claim FreeYes23
Continuous CoverageYes15
Daytime Running LightsN/AN/A
Defensive Driver1010
Distant StudentN/A7
Driver's EdN/A8
Driving Device/App4030
Early SigningN/A10
Electronic Stability ControlN/AN/A
Emergency DeploymentYesN/A
Engaged CoupleYesN/A
Family LegacyYesN/A
Family PlanYesN/A
Farm VehicleYesN/A
Fast 5YesN/A
Federal EmployeeYesN/A
Forward Collision WarningN/AN/A
Full PaymentN/A7.5
Further EducationYesN/A
Garaging/StoringYesN/A
Good CreditN/AN/A
Good StudentN/A8
Green VehicleN/A10
HomeownerYes5
Lane Departure WarningN/AN/A
Life InsuranceN/AN/A
Low MileageN/AN/A
LoyaltyYesN/A
MarriedN/AN/A
Membership/GroupN/AN/A
MilitaryYesN/A
Military GaragingYesN/A
Multiple DriversN/AN/A
Multiple PoliciesN/A13
Multiple VehiclesN/A8
New AddressN/AN/A
New Customer/New PlanN/AN/A
New GraduateYesN/A
Newer VehicleYes10
Newly LicensedN/AN/A
NewlywedsN/AN/A
Non-Smoker/Non-DrinkerN/AN/A
Occasional OperatorN/AN/A
OccupationN/AN/A
On Time PaymentsN/A15
Online ShopperN/AN/A
Paperless DocumentsN/AN/A
Paperless/Auto BillingN/A3
Passive Restraint30N/A
Recent RetireesYesN/A
RenterYesN/A
Roadside AssistanceYesN/A
Safe DriverN/A23
Seat Belt UseN/AN/A
Senior DriverN/AN/A
Stable ResidenceYesN/A
Students & AlumniN/AN/A
Switching ProviderN/AN/A
Utility VehicleN/AN/A
Vehicle RecoveryYesN/A
VIN EtchingYesN/A
VolunteerYesN/A
Young DriverN/AN/A
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American Family offers up to a 20% discount for using its driving app or driving device, while Travelers offers up to 30%.

If you prefer not to use a driving app, you can still save up to 23% with Travelers if you are claim-free or a safe driver with no record of infractions.

It’s important to note, most of Travelers’ discounts are in small amounts, so it may be possible to stack several of them.

The discounts provided by auto insurance companies also target particular categories of drivers, so be sure to ask if there are any extra discounts by calling American Family or Travelers customer service at the American Family or Travelers insurance phone number.

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Does American Family or Travelers have better auto insurance mobile apps?

Usage-based auto insurance has become a hot trend in the auto insurance industry in the last decade, and all of the larger auto insurance companies have a mobile phone app or a device that can be installed into your vehicle to monitor your driving for a discount.

A more general app is also offered by major auto insurance companies which you can use to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your American Family login or Travelers login would likely be the same.

But before you make adjustments to your policy on the app, make sure you understand the different types of auto insurance coverage.

How do American Family and Travelers auto insurance compare for financial strength and customer satisfaction?

Purchasing auto insurance is an important financial responsibility, so you want to make sure you’re selecting the right company that will be there for you when you need it most.

A company’s financial strength, customer satisfaction with the claims process, and the number of customer complaints should be reviewed prior to making your decision.

Is American Family good insurance? Is Travelers good insurance? The following three agencies provide insight into these questions:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction with the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.

American Family vs. Travelers Company Ratings
Rating AgencyAmerican FamilyTravelers
AM Best RatingAN/A
Consumer Reports8990
NAIC Company Complaint Ratio0.790.09
NAIC Total Complaints732
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Unfortunately, A.M. Best does not provide a financial strength rating for Travelers. But if you’re looking to buy American Family auto insurance, it should feel good to know American Family comes in pretty strong.

However, if you’re looking to buy auto insurance from Travelers Insurance, know that Travelers has a lower customer complaint ratio. American Family’s complaint ratio is still fairly strong, so no need to take it out of the running.

Before you buy American Family vs. Travelers auto insurance, enter your ZIP code into our free online tool for instant auto insurance quotes from companies in your area.

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