American Family vs. Travelers: Pros & Cons (2021)

When comparing American Family vs. Travelers auto insurance, it’s important to consider your specific needs. While Travelers auto insurance is typically more expensive than American Family, both providers offer competitive discounts for qualifying drivers.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Both companies offer discounts for bundled home, life, & auto insurance
  • American Family Insurance Is only Offered in 19 States
  • Travelers Does not Offer Motorcycle Insurance

American Family and Travelers are two of the most reputable names in auto insurance.

Travelers insurance was the first in the industry to issue an auto insurance policy in 1897, and American Family insurance opened 30 years later with an aim to make auto insurance more affordable for local farmers.

Today, both companies are widely regarded as two of the leading auto insurance providers in America with high ratings from A.M. Best. 

While these providers are closely matched in many areas, there are some important distinctions to consider when weighing American Family vs. Travelers auto insurance.

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American Family vs. Travelers Insurance: Which Company Is Best for You?

Many people select a provider based on the affordability of their auto insurance rates, but this isn’t the only thing to take into account.

Consideration should also be given to factors such as the weather and driving conditions in your area, the typical distance and frequency with which you drive, how many drivers will use the same vehicle, and more.

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Auto Insurance by State

Although American Family is only offered in 19 states, their rates are significantly cheaper than the annual average in nearly half of the states it serves.

American Family Average Annual Car Insurance Rates Compared to State Average
StateAmerican Family Average Annual RatesState Average Annual RatesHigher/Lower ($) Than State Average Annual RatesHigher/Lower (%) Than State Average Annual Rates
Wisconsin$1,513.27 $3,606.06 ($2,092.80)
Ohio$1,515.17 $2,709.71 ($1,194.54)-78.84%
Kansas$2,146.40 $3,279.62 ($1,133.22)-52.80%
Nebraska$2,215.13 $3,283.68 ($1,068.55)-48.24%
Iowa$3,021.81 $2,981.28 $40.53 1.34%
Missouri$3,286.90 $3,328.93 ($42.03)-1.28%
Minnesota$3,521.29 $4,403.25 ($881.97)-25.05%
Oregon$3,527.28 $3,467.77 $59.51 1.69%
Indiana$3,679.68 $3,414.97 $264.71 7.19%
Utah$3,698.77 $3,611.89 $86.88 2.35%
Washington$3,713.02 $3,059.32 $653.70 17.61%
Idaho$3,728.79 $2,979.09 $749.70 20.11%
Colorado$3,733.02 $3,876.39 ($143.37)-3.84%
North Dakota$3,812.40 $4,165.84 ($353.44)-9.27%
Illinois$3,815.31 $3,305.48 $509.82 13.36%
South Dakota$4,047.47 $3,982.27 $65.20 1.61%
Alaska$4,153.07 $3,421.51 $731.55 17.61%
Texas$4,848.72 $4,043.28 $805.44 16.61%
Nevada$5,441.18 $4,861.70 $579.48 10.65%
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Conversely, though Travelers is offered in more states, their annual rates are higher than the average of most states they serve.

Travelers Auto Insurance Annual Rates vs. State Average
StateTravelers Annual RatesState Average RatesHigher/Lower Than State AverageHigher/Lower Percent Than State Average
VirginiaData Not Available$2,357.87--%
HawaiiData Not Available$2,555.64--%
West VirginiaData Not Available$2,595.36--%
Massachusetts$3,537.94$2,678.85$859.0932.07%
Ohio$3,135.16$2,709.71$425.4515.70%
Maine$2,252.97$2,953.28-$700.31-23.71%
Idaho$3,226.29$2,979.09$247.208.30%
Iowa$5,429.38$2,981.28$2,448.1082.12%
WashingtonData Not Available$3,059.32--%
New HampshireData Not Available$3,151.77--%
WyomingData Not Available$3,200.08--%
MontanaData Not Available$3,220.84--%
VermontData Not Available$3,234.13--%
Kansas$4,341.43$3,279.62$1,061.8132.38%
NebraskaData Not Available$3,283.68--%
Illinois$2,499.76$3,305.48-$805.73-24.38%
MissouriData Not Available$3,328.93--%
North Carolina$3,132.66$3,393.11-$260.45-7.68%
Indiana$3,393.75$3,414.97-$21.22-0.62%
AlaskaData Not Available$3,421.51--%
New MexicoData Not Available$3,463.64--%
Oregon$2,892.19$3,467.77-$575.58-16.60%
Alabama$3,697.80$3,566.96$130.843.67%
WisconsinData Not Available$3,606.06--%
UtahData Not Available$3,611.89--%
Tennessee$2,738.52$3,660.89-$922.37-25.20%
Mississippi$3,729.32$3,664.57$64.751.77%
California$3,349.54$3,688.93-$339.39-9.20%
Arizona$3,084.74$3,770.97-$686.23-18.20%
South CarolinaData Not Available$3,781.14--%
ColoradoData Not Available$3,876.39--%
South DakotaData Not Available$3,982.27--%
Pennsylvania$7,842.47$4,034.50$3,807.9894.39%
TexasData Not Available$4,043.28--%
Arkansas$5,973.33$4,124.98$1,848.3544.81%
OklahomaData Not Available$4,142.33--%
North DakotaData Not Available$4,165.84--%
New York$4,578.79$4,289.88$288.916.73%
MinnesotaData Not Available$4,403.25--%
District of ColumbiaData Not Available$4,439.24--
MarylandData Not Available$4,582.70--%
Connecticut$6,004.29$4,618.92$1,385.3729.99%
FloridaData Not Available$4,680.46--%
Nevada$5,360.41$4,861.70$498.7110.26%
GeorgiaData Not Available$4,966.83--%
Rhode Island$6,909.45$5,003.36$1,906.0938.10%
Kentucky$6,551.68$5,195.40$1,356.2826.11%
New Jersey$4,254.49$5,515.21-$1,260.72-22.86%
LouisianaData Not Available$5,711.34--
Delaware$4,182.36$5,986.32-$1,803.96-30.13%
Michigan$8,773.97$10,498.64-$1,724.67-16.43%
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However, higher average rates don’t always mean more expensive policies. Both American Family and Travelers offer discounts for policyholders who meet specific criteria.

Auto Insurance Discounts

Although eligibility does not always guarantee a discount, if one or more of these situations applies to your household, you could be looking at significant savings on your auto policy.

American Family vs. Travelers Discounts
Discount American FamilyTravelers
Advanced PurchaseYesYes
Affinity Membership AlumNoNo
Air BagsYesNo
Annual MileageNoYes
Anti-Lock Brake SystemNoNo
Anti-Theft Device(s)NoNo
Defensive DriverYesNo
Driver TrainingNoYes
eSign or ePayNoNo
Good DriverYesYes
Good StudentYesYes
Green VehiclesNoYes
HomeownerNoYes
MilitaryNoNo
Multiple PoliciesYesYes
Multiple VehiclesYesYes
New VehicleNoYes
Pay in FullNo Yes
Student Away at SchoolYesYes
TelematicsNoNo
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Optional Auto Insurance Coverages

Travelers and American Family both offer extensive additional coverage options for the extra prepared driver. These can include, but are not limited to:

  • Gap Insurance
  • Rental Reimbursement
  • Roadside Assistance
  • Umbrella Policy
  • Uber & Lyft Driver Insurance

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Popular Features & Services of Travelers & American Family

Both providers place an emphasis on customer service, and therefore offer specific services to make it easier for their customers to buy and manage policies.

Online Quoting

Drivers can get quotes easily and quickly from Travelers’ and American Family’s websites by inputting some simple information, starting with their zip code.

Mobile Account Access

On the mobile app, policy holders can use their Travelers insurance login information to access their auto ID cards, request roadside assistance (if that is included in their policy), and pay their monthly premiums.

American Family’s mobile app also allows users to perform various actions, from tracking the status of a claim to setting up automatic payments.

Ratings & Reviews

American Family’s average customer rating is just shy of 3.5, with the greatest percentage being five stars. Their reviews are evenly mixed, with many customers indicating that the representatives at American Family care about service and offer a positive experience.

Travelers’ ratings are nearly identical and also have both positive and negative reviews.

Financial Strength Ratings

American Family is, and has consistently been, given a rating of A by A.M. Best, and is just beaten out by Travelers’ A+.

Conclusion

While the services and stats may be similar, whether you should choose American Family vs. Travelers depends on the driver, location, vehicle, qualifying discounts, and optional coverage. Compare auto insurance prices today.

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American Family vs. Travelers FAQs

#1 – What are my payment options?

Both American Family and Travelers allow you to make payments via your debit/credit card, bank account, mobile app, and more.

#2 – How can I lower my insurance premiums?

Opting for the minimum required coverage can lower your total premium. There are also some providers that decrease insurance premiums for safe drivers.

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