Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 22, 2021

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Key Takeaways

  • American Family has an A.M. Best rating of A
  • Drivers that bundle their insurance policies with Travelers can save up to five percent on their car insurance rates
  • American Family drivers can save up to 29 percent on their car insurance premiums when they bundle their insurance policies
  • Travelers Insurance has an A.M. Best rating of A++

The process of buying a car insurance policy often requires a lot of emotional and physical energy. The number of car insurance companies and policies in the market is overwhelming, and finding the right one for you can be tedious.

To make this task easier for you, we compared American Family vs. Travelers, two of the best car insurance companies out there.

American Family Insurance focuses on casualty, property, and car insurance. Travelers Insurance is similar, including multiple personal and business lines of property, casualty, and car insurance.

Keep reading to learn more about American Family vs. Travelers and find out which company is best for you.

Before you compare American Family vs. Travelers insurance, enter your ZIP code into our free online tool for affordable car insurance rates from companies in your area.

American Family vs. Travelers: Which types of coverage are offered?

Getting the best car insurance for you is often complicated. Fortunately, almost any type of insurance coverage you need is found at either American Family or Travelers.

However, to help narrow down your insurance-buying process, we have compared American Family vs. Travelers’ insurance policies below.

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What are car insurance policies offered by American Family?

American Family has a wide range of available car insurance policies to its members. Of course, the company offers basic collision, comprehensive, and liability car insurance coverage. However, additional affordable American Family car insurance options include:

  • Underinsured and Uninsured Motorist Insurance
  • Classic Car Insurance
  • Commercial Insurance
  • Rideshare Insurance
  • Gap/Lease & Loan Insurance
  • Medical Payments Insurance
  • 24/7 Roadside Assistance Insurance
  • Accident Forgiveness Insurance
  • Auto Rental Reimbursement Insurance
  • Original Equipment Manufacturer (OEM) Insurance
  • Travel Insurance
  • ForeverCar

American Family’s ForeverCar vehicle service plan covers the extra repair costs in the event of an accident. It is different from an extended warranty in that it adapts to your needs over time.

American Family also has an A.M. Best rating of A.

American Family has more than enough options to choose your policy from, and selecting can be overwhelming for first-time buyers.

Knowing the minimum state auto insurance requirements for your area is a great place to start so that you aren’t overwhelmed.

What are car insurance policies offered by Travelers?

Similar to American Family, Travelers offers a wide variety of personal insurance policies.

Let’s first take a look at which personal insurance policies Travelers offers.

Travelers Personal Insurance Options

Travelers’ personal insurance policies consist of home, specialty, and car insurance coverage.

Outside of standard and full coverage car insurance, affordable Travelers car insurance policies include:

  • Classic car insurance
  • Uninsured/Underinsured motorist insurance
  • Medical payments coverage
  • Personal injury protection (PIP) insurance
  • Accident forgiveness
  • Ridesharing insurance
  • Roadside assistance
  • Rental car insurance
  • New car replacement insurance
  • Loan/lease gap insurance
  • Boat and yacht insurance

Travelers also provides a selection of property and specialty insurance policies outside of car insurance policies. Travelers property policies as listed on the website include:

  • Homeowners insurance
  • Landlord insurance
  • Renters insurance
  • Condo insurance

Travelers specialty insurance policies include:

  • Pet insurance
  • Jewelry and valuable items coverage
  • Travel insurance
  • Umbrella insurance

Travelers also offers wedding & event insurance.

Travelers Business Insurance Policies

In addition to its personal insurance lines, Travelers offers some commercial insurance policies. These policies include:

  • Small business owners insurance
  • Commercial trucking and car insurance
  • General liability insurance
  • Cyber insurance
  • Environmental liability insurance
  • Excess casualty and umbrella insurance
  • Global insurance
  • Inland marine insurance
  • Management and professional liability insurance
  • National programs insurance
  • Ocean marine insurance
  • Surety bonds insurance
  • Worker’s compensation insurance
  • Commercial property insurance

Under each of these are more detailed insurance options that help customize your policy to fit your unique business insurance needs.

Travelers Insurance has an A.M. Best rating of A++.

For detailed information on Travelers’ discounts, policies, and more, you have to have an account with Travelers. Using a Travelers insurance login, you can also make payments, claims and interact directly with an agent.

We suggest that you compare American Family vs. Travelers car insurance quotes before deciding on an insurance policy. This will guarantee that you get the best insurance coverage for what you need.

What are American Family vs. Travelers car insurance rates?

As with any insurance rates, car insurance rates are contingent on a range of factors. Where you live, your driving record, age, gender, and more determine whether you will pay less or more for car insurance rates.

Unfortunately, American Family’s rates are not available on the company website, so it isn’t easy to compare American Family vs. Travelers rates.

However, here are some sample monthly and yearly full coverage car insurance rates by state. This will hopefully give you an idea of what you may pay for car insurance in your area.

Average Yearly & Monthly Full Coverage Auto Insurance Rates by State
StateAverage Annual Car Insurance RatesAverage Monthly Car Insurance Rates
District of Columbia$1,208.77$100.73
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
West Virginia$1,032.45$86.04
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It’s a good idea to compare companies’ sample car insurance rates as it gives you a better understanding of what each company offers. It also makes it easier for you to find the right coverage at an affordable price.

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What are American Family vs. Travelers standard car insurance discounts?

As these companies’ products are so diverse, their discounts are also diverse. Below is a list of the different deals offered by both American Family and Travelers.

American Family Car Insurance Discounts

American Family currently offers the following car insurance discounts:

  • Auto Safety Equipment
  • Away at School
  • Loyalty
  • Defensive Driver
  • Early-Bird
  • Generational
  • Good Driving
  • Good Student
  • KnowYourDrive
  • Low Mileage
  • Multi-Product
  • Multi-Vehicle
  • Steer into Savings
  • Teen Safe Driver
  • Young Volunteer

By bundling or adding a discount to their American Family insurance policy, American Family drivers can save up to 29 percent on their car insurance rates.

Please take a look at our American Family Car Insurance Review for more information about American Family Insurance.

Travelers Car Insurance Discounts

Travelers has multiple car insurance discounts available to drivers, including:

  • MultiPolicy
  • MultiCar
  • Homeownership
  • Safe driver
  • Continuous insurance
  • Hybrid/electric car
  • New car
  • EFT, paid in full, and good payer
  • Early quote
  • Good student
  • Student away at school
  • Driver training

Drivers that take advantage of Travelers’ bundling options can save up to five percent on their car insurance premiums.

American Family vs. Travelers: Which company has better consumer ratings?

Another right way to find out which company is for you is to compare American Family vs. Travelers consumer ratings. Check out the table below to see how each company rated in a Consumer Report car insurance study.

American Family vs. Travelers: Consumer Report Ratings
Rating CategoryAmerican Family RatingsTravelers Ratings
Excellence of Reaching an AgentExcellentExcellent
Simplicity of the ProcessVery GoodVery Good
Promptness of ResponseVery GoodExcellent
Damage AmountVery GoodVery Good
Agent CourtesyExcellentExcellent
Timely PaymentVery GoodExcellent
Freedom to Select Repair ShopVery GoodExcellent
Being Kept Informed of Claim StatusExcellentVery Good
Reader Score8990
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As you can see, both American Family and Travelers are within one point of each other in their Consumer Report rankings. These rankings show American Family vs. Travelers’ reliability and help you know which company works best.

In J.D. Power’s 2020 U.S. auto insurance study on customer satisfaction, American Family tied with GEICO for the highest-ranking car insurance company in the southwest. On a 1,000-point scale, Travelers only scored in the low to mid 800s for each region.

What is American Family Insurance?

American Family Insurance is a private mutual insurance company specializing in car insurance and property and casualty insurance. Additional services offered by American Family include commercial, health, homeowners, and life insurance.

American Family is headquartered in Madison, Wisconsin, and serves customers across the United States.

Apart from American Family’s various insurance offerings, the company also offers investment and retirement-planning services.

As a private mutual insurance company, American Family exists for the benefit of its shareholders (members). American Family’s policyholders essentially own it, and profits are returned to members as dividends.

As American Family Insurance is well-known, it’s important to note that it’s a separate company from American Family Care. Although similar in name, the latter is an urgent care practice, while American Family Insurance is a personal and business insurance company.

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What is Travelers?

The Travelers Companies is an insurance company offering commercial and personal insurance lines to customers across the United States. Apart from car insurance, the company has an additional 30+ insurance products from which customers can choose.

Read more about Travelers at our Travelers Car Insurance Reviews.

American Family vs. Travelers Auto Insurance: Which company is best for you?

Both of these leading car insurance companies are close in their wide variety of insurance policies offered. They also rated similarly in both Consumer Ratings and A.M. Best ratings.

Because American Family and Travelers are so similar, the choice ultimately comes down to which company you like best.

Before you buy American Family vs. Travelers car insurance, enter your ZIP code into our free online tool for instant car insurance rates from companies in your area.