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 and $500 deductibles for comprehensive and collision, Travelers costs an average of $1,606 annually. American Family is more expensive, with an average cost of $1,698.

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
American Family	$1,698	$602	$870
Travelers	$1,606	$518	$646

American Family vs. Travelers: Rates by age group

For teens—one of the most expensive age groups to insure–American Family offers the lowest rates at $4,515 per year. Travelers is more expensive, with an average cost of $4,834 for a teen driver.

Age affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.

For example, adults pay an average of $1,615 with Travelers, while American Family costs $1,701 for an adult, on average.

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 rates compared to Travelers 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 by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where American Family and Travelers have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.

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

American Family vs. Travelers: Which offers better discounts?

Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts American Family and Travelers give to their customers.

Discounts	American Family	Travelers
Payment type	9%	7%
Multi policy	9%	7%
Days advanced purchase	8%	6%
Lower annual mileage	3%	7%
Daily commute	6%	5%
Homeowner	4%	6%
Loyalty	5%	0%
Paperless/electornic documents	5%	N/A
Electronic funds transfer	5%	4%
Marital status	11%	4%
Vehicle ownership	N/A	3%
Safety devices	2%	2%
Air bags	2%	1%
Anti-theft device	1%	1%

Always remember to ask about discounts when comparing insurance options to find out what you might 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

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: