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

Travelers costs an average of $518, while Travelers 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.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverageAverage 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 plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $4,515 with American Family, while Travelers charges an average of $4,834 for an adult.

Age groupAmerican FamilyTravelers
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 lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, American Family is more affordable, with average rates of $2,908.

Check the table below to see how American Family rates compare to Travelers rates.

Type of violationAmerican FamilyTravelers
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. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the 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.

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

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.

DiscountsAmerican FamilyTravelers
Payment type9%7%
Multi policy9%7%
Days advanced purchase8%6%
Lower annual mileage3%7%
Daily commute6%5%
Homeowner4%6%
Loyalty5%0%
Paperless/electornic documents5%N/A
Electronic funds transfer5%4%
Marital status11%4%
Vehicle ownershipN/A3%
Safety devices2%2%
Air bags2%1%
Anti-theft device1%1%

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 good insurance companies, but if cheaper rates are your top priority, Travelers might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

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 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.