Travelers vs. American Family: Which provider is right for you?

Travelers vs. American Family

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.

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

Driver discounts

	Travelers	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)
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Vehicle discounts

	Travelers	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%
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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.