- American Family vs. Travelers: Which one is the cheapest?
- American Family vs. Travelers: Rates by age group
- American Family vs. Travelers: Rates for high-risk drivers
- American Family vs. Travelers: Rates in your state
- American Family vs. Travelers: Which offers better discounts?
- American Family vs. Travelers: The bottom line
- Methodology
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.
| 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 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 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 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 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. 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.
| 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 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 |
|---|---|---|
| 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 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.
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