4.8out of 3,000+ reviews

American Family vs Travelers Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Travelers
80
What is this?

Insurify Composite Score

American Family VS Travelers
89
80
What is this?
User Ratings
OptionsAmerican Family Travelers
Rating/Reviews
138 reviews
395 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Travelers
Call Center Representative--About average
Insurer Website--About average
Local AgentBetter than mostAbout average
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostAbout average
PricingBetter than mostThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Travelers
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Travelers
Central823 pt
About average
814 pt
The rest
Florida--810 pt
The rest
Mid-Atlantic--820 pt
The rest
New England--804 pt
The rest
New York--821 pt
About average
North Central820 pt
About average
805 pt
The rest
Northwest826 pt
Better than most
--
Southeast--822 pt
About average
Southwest819 pt
About average
809 pt
The rest
Mobile App Ratings
RegionAmerican Family Travelers
Android
1,081 Reviews
146 Reviews
iOS
6,200 Reviews
49 Reviews
Financial Ratings
OptionsAmerican Family Travelers
A.M. BestAA++
FitchA+AA
Moody'sAa3Aa2
Standard & Poor'sA+AA

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Travelers
Chicago$76$78
Philadelphia--$99
Phoenix$82$81

For Single Drivers

CityAmerican Family Travelers
Chicago$76$78
Philadelphia--$125
Phoenix$82$86

For Male Drivers

CityAmerican Family Travelers
Chicago$76$76
Philadelphia--$117
Phoenix$82$85

For Female Drivers

CityAmerican Family Travelers
Chicago$76$79
Philadelphia--$108
Phoenix$82$82

For Drivers with Speeding Ticket

CityAmerican Family Travelers
Chicago$102$100
Philadelphia--$179
Phoenix$121$114

For Drivers with No Speeding Ticket

CityAmerican Family Travelers
Chicago$70$73
Philadelphia--$103
Phoenix$74$77

For Drivers Age Between 18-40

CityAmerican Family Travelers
Chicago$76$78
Philadelphia--$122
Phoenix$81$89

For Drivers Age Between 40-65

CityAmerican Family Travelers
Chicago$72$72
Philadelphia--$90
Phoenix$77$74

For Drivers Age of 65+

CityAmerican Family Travelers
Chicago$89$98
Philadelphia--$156
Phoenix$104$98

For Drivers with Average Credit

CityAmerican Family Travelers
Chicago$80$85
Philadelphia--$123
Phoenix$87$91

For Drivers with Fair Credit

CityAmerican Family Travelers
Chicago$82$89
Philadelphia--$120
Phoenix$89$95

For Drivers with Good Credit

CityAmerican Family Travelers
Chicago$73$71
Philadelphia--$91
Phoenix$80$74

For Drivers with Excellent Credit

CityAmerican Family Travelers
Chicago$68$66
Philadelphia--$114
Phoenix$72$73

Quotes & Discounts

Discount typeAmerican Family Travelers
Passive RestraintUp to 30%--
Good StudentUp to 25%Up to 8%
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%Up to 7%
Multiple PolicyUp to 15%Up to 13%
Multiple VehicleUp to 13%Up to 8%
OccupationUp to 10%--
Low MileageUp to 8%Varies
Anti-lock BrakeUp to 5%--
Driving HabitsUp to 5%--
Early QuoteUp to 5%Up to 10%
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%Up to 5%
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%Up to 7.5%
Preferred paymentUp to 5%Up to 3%
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%--
Accident ForgivenessVaries--
Anti-Theft DeviceVaries--
Defensive DriverVariesUp to 8%
teenSMARTVaries--
Continuous Coverage--Up to 15%
Driving training--Up to 8%
Good Payer--Up to 15%
Hybrid/Electric Vehicle--Up to 10%
New Car--Up to 10%
No lapse in coverage--Varies
Safe Driver--Up to 23%

Payment Methods

Discount typeAmerican Family Travelers
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesAmerican Family Travelers
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Travelers
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Legal Defense Costs Coverage
yes--
New Car Replacement Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Small Claim Forgiveness
--yes
Umbrella Policy
yesyes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Travelers
  • Both

Uber and Lyft driver insurance

  • American Family
  • Travelers
  • Both

Compare Insurance Products

ProductAmerican Family Travelers
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Cyber Liability InsuranceCyber Liability Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insuranceyes--
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes
Wedding and Event InsuranceWedding and Event Insurance--yes

User Reviews

  • American Family Reviews
  • Travelers Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.