American Family vs. Travelers Car Insurance for 2021
Our American Family vs. Travelers car insurance guide will help you decide between two stellar companies when taking into consideration your unique factors such as age, driving record, and credit score. American Family is a better choice for those with teen drivers in their household. Travelers offers more discounts than American Family.
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UPDATED: May 13, 2021
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- American Family has a higher customer complaint ratio than Travelers
- Travelers’ rates for teen drivers are over twice as much as American Family’s
- American Family’s rates for 25-year-old males are cheaper than Travelers’
- American Family is better for those who have gotten a speeding ticket.
- Travelers is better for those with an accident on their record and offers more discounts than American Family
There are many factors that affect the cost of car insurance. In our American Family vs. Travelers car insurance guide, we compare rates by age, driving record, and credit score.
We also compare available discounts and ratings from agencies with a credible and trustworthy view of car insurance companies.
Looking for affordable American Family vs. Travelers car insurance quotes? Enter your ZIP code to start comparing quotes from multiple companies in your area.
Is American Family car insurance or Travelers car insurance cheaper based on age?
The more we drive and the longer we drive, the safer and more aware we become when behind the wheel. For this reason, American Family vs. Travelers car insurance companies consider age to be one of the most influential factors in quoting your car insurance rates.
In most states, it’s legal to base car insurance rates on marital status and gender; however, some have banned this practice.
Let’s compare American Family’s car insurance rates and Travelers’ car insurance rates based on age, gender, and marital status.
|Demographic||American Family Average Annual Auto Insurance Rates||Travelers Average Annual Auto Insurance Rates|
|Single 17-year-old female||$5,997||$9,307|
|Single 17-year-old male||$8,131||$12,851|
|Single 25-year-old female||$2,289||$2,325|
|Single 25-year-old male||$2,695||$2,491|
|Married 35-year-old female||$2,203||$2,179|
|Married 35-year-old male||$2,224||$2,200|
|Married 60-year-old female||$1,993||$2,052|
|Married 60-year-old male||$2,014||$2,074|
Travelers’ rates for teen drivers are more than double those of American Family. Interestingly, though, American Family vs. Travelers car insurance rates for drivers 25 and older are fairly comparable.
The Travelers car insurance rates for single 25-year-old males are 8% cheaper than the American Family car insurance rates.
If you have young drivers in your family, specifically under 25, expect to get much better rates with American Family.
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Is American Family car insurance or Travelers car insurance cheaper based on driving record?
Speeding tickets, accidents, or DUIs on your driving record will raise your affordable car insurance rates no matter what company you pick because these infractions make you a higher risk to insure.
|Infraction||American Family Average Annual Auto Insurance Rates||Travelers Average Annual Auto Insurance Rates|
|With one speeding violation||$3,026||$4,261|
|With one accident||$3,723||$4,290|
|With one DUI||$4,330||$5,741|
Overall, American Family car insurance quotes are lower for drivers with a bad driving record than Travelers car insurance quotes.
When it comes to having a speeding ticket or an accident on your record, both companies’ rates vary considerably.
A driver who gets a speeding ticket while with Travelers will see their rates increase by 24%, while drivers with American Family will only see a 12% increase.
Alternatively, if you cause an accident while with Travelers, you’d see about the same increase in rates you’d see with a speeding ticket, whereas American Family will raise your rates by 38%.
Both companies show about the same percentage increase (61% to 67%) in rates when comparing a driver with a clean record to a driver that has a DUI on their record.
Is American Family car insurance or Travelers car insurance cheaper based on credit score?
If you experience some type of financial trauma such as incurring medical debt or going through a divorce, your good credit score can drop in a matter of months.
In most states, it’s legal for car insurance companies to factor in your credit score when determining your rates; however, some are banning this practice along with factoring in gender and marital status.
Car insurance companies justify using your credit score to determine your rates based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file a claim.
Is it easier to find affordable American Family car insurance or affordable Travelers car insurance? Let’s compare American Family vs Travelers car insurance rates by credit score.
|Credit History||American Family Average Annual Auto Insurance Rates||Travelers Average Annual Auto Insurance Rates|
|Good Credit (670-739)||$2,692||$4,059|
|Fair Credit Score (580-669)||$3,170||$4,344|
|Poor Credit Score (300-579)||$4,468||$5,160|
Initially, American Family has cheaper car insurance rates than Travelers. However, you will see larger rate increases if your credit score drops.
If you have a bad credit history, American Family is the better option at first; however, you may consider switching if you do experience financial trauma in the future.
Check your local car insurance laws before you make your choice. It may be that basing car insurance rates on gender, marital status, and/or credit score has been outlawed in your state.
Does American Family or Travelers have better car insurance discounts?
If you have a bad driving record or a low credit score, getting good discounts can offset your high rates.
Our source lists only three American Family car insurance discounts: defensive driver, airbags, and the discount for using the company’s driving device or app.
|Adaptive Cruise Control||n/a||n/a|
|Daytime Running Lights||n/a||n/a|
|Electronic Stability Control||n/a||n/a|
|Forward Collision Warning||n/a||n/a|
|Lane Departure Warning||n/a||n/a|
|New Customer/New Plan||n/a||n/a|
|On Time Payments||n/a||15|
|Seat Belt Use||n/a||n/a|
|Students & Alumni||n/a||n/a|
American Family offers up to a 20% discount for using its driving app or driving device, while Travelers offers up to 30%.
If you prefer not to use a driving app, you can still save up to 23% with Travelers if you are claim-free or a safe driver with no record of infractions.
It’s important to note, most of Travelers’ discounts are in small amounts, so it may be possible to stack several of them.
The discounts provided by car insurance companies also target particular categories of drivers, so be sure to ask if there are any extra discounts by calling American Family or Travelers customer service at the American Family or Travelers phone number.
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Does American Family or Travelers have better car insurance mobile apps?
Usage-based car insurance has become a hot trend in the car insurance industry in the last decade, and all of the larger car insurance companies have a mobile phone app or a device that can be installed into your vehicle to monitor your driving for a discount.
A more general app is also offered by most major car insurance providers to allow you to access your policy, make adjustments, and pay your bill.
But before you make adjustments to your policy on the app, make sure you understand the different types of car insurance coverage.
If you’re having trouble understanding, here are elements and terms to help you understand your policy.
How do American Family and Travelers car insurance compare in financial strength and customer satisfaction?
Purchasing car insurance is an important financial responsibility, so you want to make sure you’re selecting the right company that will be there for you when you need it most.
A company’s financial strength, customer satisfaction with the claims process, and the number of customer complaints should be reviewed prior to making your decision.
Is American Family good insurance? Is Travelers good insurance? The following three agencies provide insight into these questions:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction with the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.
|Rating Agency||American Family||Travelers|
|AM Best Rating||A||N/A|
|NAIC Company Complaint Ratio||0.79||0.09|
|NAIC Total Complaints||73||2|
Unfortunately, A.M. Best does not provide a financial strength rating for Travelers. But if you’re looking to buy American Family car insurance, it should feel good to know American Family comes in pretty strong.
However, if you’re looking to buy car insurance from Travelers Insurance, know that Travelers has the lower customer complaint ratio. Before eliminating American Family entirely, be sure to find more details on the NAIC website.
Before deciding to buy American Family vs. Travelers car insurance, be sure to check Travelers and American Family insurance ratings from J.D. Power.
Now that you’ve finished our Travelers insurance vs. American Family insurance review, use our FREE comparison tool to compare car insurance quotes from companies in your area.