Compare Travelers vs American Family car insurance

Travelers vs American Family: which car insurance is right for you?

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Although American Family Insurance might not be as well-known as Travelers, it is the 10th-largest insurance provider in the US. The company has been meeting drivers’ insurance needs for 90 years. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.

Like American Family, Travelers has been in the insurance business for quite some time. But unlike American Family, Travelers insures drivers in all 50 states. Both providers do well in customer service and offer affordable insurance through discounts.

So which one will you choose? That decision could be tough, but we’ve put together this comprehensive comparison to help making your decision easier.

  • Save with multiple discounts
  • Instant quotes and access to agent support anytime
  • Available in 42 states

Our top pick: Travelers

Travelers' five-step online guide takes the frustration out of building the perfect policy.

  • Financial strength
  • Multiple discounts
  • Friendly website with quick quotes
  • Access to agents
Travelers

Travelers

American Family

American Family

About the provider Travelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices. For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
Price Policy costs depend your personal situation. Visit Travelers for a quote based on your specific needs. Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States served All 50 states 19
User satisfaction* A B+
J.D. Power ratings** 3/5 on overall claims satisfaction 4/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Travelers

Travelers

American Family

American Family

Good student 8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home. 8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home.
Defensive driver 5-10% (55+, completed defensive driving course)
Good driver 10-23% (no accidents or violations for the past 3 or 5 years)
Pay in full discount Up to 7.5%
Multicar Up to 8%
Military
Homeowner Up to 5%
Other discounts Continuous insurance discount – Up to 15% (no gaps in coverage)

EFT discount – 2-3% (pay through EFT or payroll deduction)

Good payer discount – Up to 15% (consistent payment on time)

Early quote discount – 3-10% (quote before your policy expires)

Driver training discount – Up to 8%

Loyalty discount Early-bird discount

Steer into Savings discount

Low mileage discount – Drive less than 7,500 miles per year

Teen Safe Driver discount – Enroll teen in free program

Young volunteer discount
– Under 25, 40+ hours per year volunteering for non-profit

Generational discount – 18-24 with a parent who is an American Family customer

KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)


Vehicle discounts

Travelers

Travelers

American Family

American Family

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts Hybrid/electric vehicle – Up to 10%

New car – Up to 10% (car less than 3 years old)

Auto safety equipment – 10-30%

Bottom line

If you don’t live in one of the 19 states where American Family provides coverage, then considering this company is a non-starter for you. But if you do, then this smaller insurance provider might be a winner. As always, keep your personal situation in mind when comparing the discounts the two offer.

Compare alternatives to Travelers and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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