Travelers vs. American Family Insurance

Which insurance company is right for you? Compare savings, cost, and quotes from Travelers and American Family.

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Travelers vs. American Family: What You Need to Know

For more than 160 years Travelers Insurance has been protecting homes, cars, valuables, and businesses. Today they have the reputation of being one of the best property and casualty companies in the industry and are the only one in the Dow Jones Industrial Average. The company has 30,000 employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, Ireland, and Brazil. In 1864, a stonecutter, James G. Batterson, and several other townsman in Hartford Connecticut began organizing a company to introduce accident insurance to the U.S. James E. Bolter, a local banker, asked Batterson how much he’d charge to insure his four-block home. Batterson said it would cost “two cents.” Today, the two-cent “premium” is Traveler’s treasured souvenir. The following year, Travelers began selling life insurance and in 1897 they issued their first automobile insurance policy. In 1889, they offered liability insurance to employers (workers compensation). By 1901 Travelers Insurance offered health and liability insurance. In 1903, they opened an insurance school and the following year organized a corps of safety engineers. In 1919, Travelers offered aircraft liability insurance with a full aviation program. During World War II, Travelers underwrote the Manhattan Project, the building of the first atomic bomb. In 1956, they established a weather research center and two years later offered life insurance to women at lower rates than men.

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Travelers Overview and American Family Overview.

Travelers vs. American Family: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Travelers and American Family. On average, Travelers charges approximately $169.27 per month while American Family comes in at around $152.19 per month. For Travelers, the cheapest state average is Maine at $82.75 per month and the most expensive is Michigan at $256.51 per month. For American Family, the cheapest state average is Ohio at $91.29 per month and the most expensive is Nevada at $337.59 per month.

Travelers

Average Rate

$169.27
American Family

Average Rate

$152.19
National

Average Rate

$117.77
State Travelers American Family
Alabama $112.66 -
Arizona $144.89 $164.23
Colorado- $198.50
Connecticut $179.19 -
Delaware $149.34 -
Idaho $185.29 $108.67
Illinois $112.25 $179.06
Indiana $150.27 $140.05
Iowa $136.94 $102.37
Kansas $159.79 $142.63
Kentucky $179.50 -
Maine $82.75 -
Michigan $256.51 -
Minnesota- $127.33
Mississippi $191.03 -
Missouri- $152.65
Nebraska- $148.33
Nevada $209.18 $337.59
New York $226.16 -
North Carolina $98.05 -
North Dakota- $127.54
Ohio- $91.29
Oregon $127.94 $147.93
Pennsylvania $189.70 -
Rhode Island $199.25 -
South Carolina $115.72 -
South Dakota- $116.86
Tennessee $126.42 -
Utah- $195.46
Washington $145.50 $169.04
Wisconsin- $98.41

Travelers vs. American Family: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Travelers and American Family typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Travelers American Family
1 Vehicle $160.17 $140.78
2 Vehicles $200.79 $189.74
3 Vehicles $301.76 $235.58

Travelers vs. American Family: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Travelers charges $155.04 per month and American Family charges $148.67 per month for customers who own their home.

Own/Rent Travelers American Family
Own $155.04 $148.67
Rent $177.73 $154.35

What is Travelers and American Family Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Travelers and American Family ranked among the industry ratings.

ComparisonTravelersAmerican Family
Year Founded18641927
Market Share1.8%1.91%
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageAbout Average
Moody’s RatingAa2
NAIC Complaint Index00.64
S&P RatingAAA

Travelers or American Family: Insurance Products Offered

What coverage is available through Travelers and American Family? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Renters, RV, and Umbrella insurance. Additional products from American Family insurance also includes Farm, Life, and Motorcycle insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Travelers and American Family Insurance page.

InsuranceTravelersAmerican Family
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Travelers or American Family: Ways To Save

American Family offers a wide range of discounts to its policyholders, including Claims-free Pricing, Generational, and Good Student discounts. However, Travelers also offers a few discounts that American Family doesn’t, including Student Away at School, Safe Driver, and New Car discounts. Start taking advantage of discounts offered by insurance providers like American Family and Travelers insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

TravelersAmerican Family
Affinity Program DiscountsAway at School Discount
Continuous Insurance DiscountClaims-free Pricing
Driver Training DiscountGenerational Discount
Early Quote DiscountGood Student Discount
EFT, Paid in Full and Good Payer DiscountKnowYourDrive
Good Student DiscountLoyalty Discount
Home Ownership DiscountMulti-product Discount
Hybrid/Electric Vehicle DiscountSmart Home Discount
IntelliDrive Program Safe Driving DiscountTeen Safe Driver Discount
Multi-policy DiscountYoung Volunteer Discount
MultiCar Discount
New Car Discount
Safe Driver Discount
Student Away at School Discount

Pros & Cons of Travelers & American Family

Pros

Travelers
  • Unlike other carriers who only offer it for the first two or three years, Travelers’ new car replacement covers the first five years.
  • Travelers offers accident forgiveness.
  • Offers ride sharing insurance.
  • Discounts on hybrids and electric vehicles.
American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.

Cons

Travelers
  • Prices tend to be high.
American Family
  • American Family Insurance only serves 19 states.

Travelers or American Family Mobile Apps Options

The Travelers Mobile app is available for iOS and Android. This award-winning mobile app can help manage insurance and banking accounts, request roadside service, file and track claims and pay bills.

The American Family mobile app is available for iOS and Android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

Travelers Mobile App
iOS     2.715K user reviews
Android     3.316K user reviews
American Family Mobile App
iOS     4.830K user reviews
Android     4.43.5K user reviews

Travelers & American Family Contact Info

Travelers Contact Info
Address485 Lexington Ave New York, NY 10017
Phone1-800-328-2189
Websitehttps://www.travelers.com
Facebookhttps://www.facebook.com/travelers
Twitterhttps://twitter.com/travelersinsurance
Youtubehttps://www.youtube.com/user/travelersinsurance
Linkedinhttps://www.linkedin.com/company/travelers
American Family Contact Info
Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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