American Family vs. Travelers: Which offers the cheapest auto insurance rates?

American Family vs. Travelers: Which one is the cheapest?

Travelers costs an average of $518, while American Family has average rates for state minimum coverage of $602.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Travelers costs an average of $1,606. American Family costs more at an average of $1,698.

It’s always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only car insurance
American Family	$1,698	$602	$870
Travelers	$1,606	$518	$646

American Family vs. Travelers: Rates by age group

For a teen – one of the most expensive age groups to insure – American Family has the cheapest rates, coming in at $4,515 per year. Travelers costs an average of $4,834 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,615 at Travelers, while at American Family the average rate for an adult is $1,701.

Age (group)	American Family	Travelers
Teens	$4,515	$4,834
Young adults	$2,424	$2,476
Adults	$1,701	$1,615
Seniors	$1,813	$1,590

American Family vs. Travelers: Rates for high-risk drivers

American Family has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, American Family is cheaper, with average rates of $2,908.

Take a look at the table below for American Family’s rates compared to Travelers’s rates.

Type of violation	American Family	Travelers
1 At-fault property damage accident over $2K	$2,447	$2,463
1 At-fault property damage accident under $2K	$2,447	$2,462
At-fault bodily injury accident	$2,542	$2,601
Careless driving	$2,205	$2,705
DUI	$2,908	$2,998
Reckless driving	$2,805	$2,829
Speeding	$2,321	$2,416

American Family vs. Travelers: Rates in your state

Insurance rates vary from state to state. Carriers factor in data from your region and ZIP code, including weather, crime and traffic trends to calculate risk. The table below shows where you’ll find the cheapest rates for American Family and Travelers. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

State	Travelers	American Family
Alabama	$1,428	N/A
Arizona	$1,489	N/A
Arkansas	$1,442	N/A
California	$2,460	N/A
Delaware	$1,595	$2,709
Florida	$2,356	N/A
Idaho	$1,263	N/A
Illinois	$1,119	N/A
Indiana	$1,264	N/A
Iowa	$1,238	N/A
Kansas	$1,601	N/A
Kentucky	$1,804	N/A
Maine	$853	N/A
Maryland	$1,523	N/A
Massachusetts	$2,274	N/A
Michigan	$1,817	N/A
Minnesota	$1,618	N/A
Mississippi	$1,636	N/A
Missouri	$1,515	N/A
Nevada	$1,995	$2,429
New Jersey	$1,706	N/A
New York	$2,677	N/A
North Dakota	N/A	$1,092
Ohio	$1,336	N/A
Oregon	$1,318	N/A
Pennsylvania	$952	N/A
Rhode Island	$1,946	$1,833
South Carolina	$1,949	N/A
Tennessee	$1,395	N/A
Virginia	$1,169	N/A
Washington	$1,503	$1,750
Wisconsin	$1,089	N/A

N/A represents data is not available.

American Family vs. Travelers: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts American Family and Travelers offer to their customers.

Discounts	American Family	Travelers
Multi Policy	9%	7%
Payment Type	9%	7%
Days Advanced Purchase	8%	6%
Lower Annual Mileage	3%	7%
Primary Use	7%	5%
Daily Commute	6%	5%
Days Per Week Driven	6%	5%
Homeowner	4%	6%
Paperless/Electornic Documents	5%	N/A
Loyalty - Years Renewal With Company	5%	0%
Electronic Funds Transfer	5%	4%
Marital Status	11%	4%
Years Licensed	35%	33%
Vehicle Ownership	N/A	3%
Years Insured	14%	27%
Safety Devices	2%	2%
Air Bags	2%	1%
Anti-Theft Device	1%	1%

N/A represents data is not available.

Always be sure to ask about available discounts when you’re shopping around for insurance to see what you may qualify for.

American Family vs. Travelers: The bottom line

Both American Family and Travelers are solid insurance companies, but if rates are what matter most to you, Travelers may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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