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American Family vs. Travelers: Which Car Insurance Is Cheaper?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 24, 2021

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The Lowdown

  • American Family has a higher customer complaint ratio
  • 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
  • American Family is better for those with a speeding ticket
  • Travelers is better for those with an accident and offers more discounts than American Family

In our American Family vs. Travelers car insurance guide, we compare car insurance rates by age, driving record, and credit score. Which company will provide the best and cheapest car insurance for you?

We also compare American Family vs. Travelers car insurance based on available discounts and ratings from customer service and credit rating agencies.

Keep reading to compare affordable American Family vs. Travelers car insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.

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

The more we drive, the safer and more aware we become when behind the wheel. For this reason, car insurance companies use age as one of the most influential factors in quoting your car insurance rates.

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

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

American Family vs. Travelers Average Annual Car Insurance Rates by Age, Gender, and Marital Status
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, though, Travelers’ rates and American Family’s rates for drivers 25 and older are fairly competitive.

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

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

Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick because you’ll be viewed as a high-risk driver. How much will these infractions raise your rates?

American Family vs. Travelers Average Annual Car 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 car insurance quotes are lower for drivers with a bad driving record compared to Travelers car insurance quotes.

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

If you get a speeding ticket while with Travelers, expect your premium to increase 24%, while with American Family, you would only see a 12% increase.

If you cause an accident while with Travelers, the increase would be about the same as with a speeding ticket, but with American Family, you would see a 38% increase.

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

Is American Family car insurance or Travelers car 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 car 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 car insurance or affordable Travelers car insurance if you don’t have perfect credit? Let’s take a look.

American Family vs. Travelers Average Annual Car Insurance Rates by Credit History
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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As we’ve seen, American Family has cheaper car insurance rates than Travelers.

However, American Family does charge fairly high rates to those with poor credit. So if your credit score drops significantly, it might be worth looking around for a better deal.

You may live in a state where basing car insurance on credit score is illegal. Check out our car insurance by state page before judging American Family vs. Travelers car insurance rates based on credit score alone.

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Does American Family or Travelers have better car insurance discounts?

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 car insurance discounts: the discount for taking a defensive driver course, for having airbags, and for using the company’s driving device or app.

American Family vs. Travelers Car 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 don’t want 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, but it may be possible to stack several of them.

You may also have the option to save more by bundling your car insurance policy with your life insurance policy or home insurance policy.

You may be wondering, “Is American Family home insurance good?” What about Travelers home insurance? Be sure to get quotes for home insurance from multiple companies and compare them closely.

The discounts provided by car insurance companies often 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 phone number.

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

Usage-based car insurance has become a hot trend in the car insurance industry in the last decade or so, and all of the larger car insurance companies have an app that uses your mobile phone or a device installed into your vehicle to evaluate your driving.

Large car insurance companies also provide a more general app to enable you to pay your bill, make changes to your coverage levels, and provide electronic verification of insurance in states that permit this.

How does American Family and Travelers car insurance compare in financial strength and customer satisfaction?

Purchasing car 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 customer complaints should be reviewed prior to making your decision.

You may be wondering, “Is American Family good insurance?” “What about Travelers insurance?” The following three agencies provide insight into a company’s financial strength and customer relations:

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 of 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 a company’s total number of customers vs. its total number of complaints.

In 2017, the national average complaint ratio was one. The lower the ratio, the better. So should you American Family vs. Travelers car insurance? Take a look at the table.

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 car insurance, it should feel good to know American Family has a pretty strong rating.

However, if you’re looking to buy Travelers car insurance, know that Travelers has a better customer complaint ratio. Before eliminating American Family entirely, be sure to find more details on the NAIC website.

Also, be sure to check Travelers insurance vs. American Family insurance ratings from J.D. Power.

Now that you’ve compared American Family vs. Travelers car insurance, enter your ZIP code to see quotes from multiple companies in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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