American Family vs. Liberty Mutual: Best Auto Insurance for 2024
In our American Family vs. Liberty Mutual auto insurance guide, we compare the two companies' average rates based on age, driving record, and credit score. American Family has lower car insurance rates for female teen drivers, but Liberty Mutual offers a wider variety of discounts. Read now to compare rates from multiple auto insurance companies close to home.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Both American Family and Liberty Mutual have great customer satisfaction and a strong financial future.
- Liberty Mutual has an incredibly high customer complaint ratio.
- American Family has lower auto insurance rates for female teen drivers.
- Liberty Mutual offers more discounts than American Family.
- American Family has lower car insurance rates across the board and has better rates for drivers with a low credit score.
This American Family vs. Liberty Mutual auto insurance guide will provide a wide variety of auto insurance coverage options when analyzing rates according to your unique qualities like your age, gender, marital status, driving record, and credit score.
We also include external ratings from the most trustworthy agencies and compare American Family and Liberty Mutual auto insurance discounts, coverage types, and usage-based insurance programs.
Continue reading to compare American Family insurance and Liberty Mutual insurance, or enter your ZIP code to find affordable auto insurance rates in your area.
American Family vs Liberty Mutual Auto Insurance: which is cheaper based on age?
The older we get, the more practice we have while driving. In calculating auto insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base auto insurance premiums on marital status and gender; some states have banned it, however. Let’s compare auto insurance rates for American Family and Liberty Mutual based on age, gender, and marital status.
American Family vs. Liberty Mutual Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
| Age & Gender |  Average Annual Rates |  Average Annual Rates |
|---|---|---|
| Age: 17 Female | $5,997 | $11,621 |
| Age: 17 Male | $8,131.00 | $13,719.00 |
| Age: 25 Female | $2,289.00 | $3,960.00 |
| Age: 25 Male | $2,695.00 | $4,503.00 |
| Age: 35 Female | $2,203.00 | $3,803.00 |
| Age: 35 Male | $2,224.00 | $3,857.00 |
| Age: 60 Female | $1,993.00 | $3,445.00 |
| Age: 60 Male | $2,014.00 | $3,681.00 |
American Family car insurance rates are anywhere from 67 to 94 percent cheaper than Liberty Mutual car insurance rates across the board. Liberty Mutual rates for female teen drivers is nearly double that of American Family.
American Family is definitely a better choice than Liberty Mutual if you have a teen driver in your household.
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American Family vs Liberty Mutual Auto Insurance: which is cheaper based on driving record?
No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and you become a higher risk driver.
American Family vs. Liberty Mutual Average Annual Auto Insurance Rates by Driving Record
| Driving Record | Average Annual Rates | Average Annual Rates |
|---|---|---|
| Clean record | $2,694 | $4,774 |
| With one speeding violation | $3,026 | $5,701 |
| With one accident | $3,723 | $6,205 |
| With one DUI | $4,330 | $7,613 |
Again, American Family is the better choice if you have a bad driving record. let’s take a closer look at how each company handles the different types of infractions.
American Family does consider causing an accident more serious than getting a speeding ticket. American Family rates for having one speeding ticket will increase by 12 percent.
If you have an accident on your record, as compared to a driver with a clean record, rates will increase 38 percent.
Liberty Mutual is a little more lenient on drivers who incur an accident on their record. Compared to a driver with a clean record, a driver with a speeding ticket will increase by 19 percent. However, for drivers that cause an accident, their rates increase by 30 percent in comparison to a driver with a clean record.
Both companies take DUIs equally seriously. Liberty Mutual and American Family rates increase by about 60 percent if you get a DUI.
American Family vs Liberty Mutual Auto Insurance: which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as incurring medical debt or going through a divorce, a good credit score will drop in a matter of months.
It is legal for auto insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status dependent rates.
Auto insurance providers justify using your credit score to decide your rates because of the premise that people with higher credit scores are more responsible and that, overall, are less likely to file a claim.
Let’s take a look at how American Family and Liberty Mutual consider your rates based on your credit score.
American Family vs. Liberty Mutual Average Annual Auto Insurance Rates by Credit Score
| Credit History Summary | Average Annual Rates | Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $2,692 | $4,388 |
| Fair Credit Score (580-669) | $3,170 | $5,604 |
| Poor Credit Score (300-579) | $4,468 | $8,802 |
American Family is more lenient than Liberty Mutual on those with fair or poor credit when it comes to determining car insurance rates. Drivers with poor credit will pay twice as much as a driver with good credit with Liberty Mutual.
If you have a credit score on the lower end, American Family is a better option than Liberty Mutual.
Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from a number of companies.
Hopefully, if you have bad credit, you live in a state that has outlawed basing rates on credit scores.
Does American Family or Liberty Mutual have better auto insurance discounts?
Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.
American Family vs. Liberty Mutual Auto Insurance Discounts
| Discounts | Discounts Offered (Percentage) | Discounts Offered (Percentage) |
|---|---|---|
| Adaptive Cruise Control | N/A | 5 |
| Adaptive Headlights | N/A | 5 |
| Anti-lock Brakes | N/A | 5 |
| Anti-Theft | N/A | 20 |
| Daytime Running Lights | N/A | 5 |
| Defensive Driver | 10 | 10 |
| Driver's Ed | N/A | 10 |
| Driving Device/App | 40 | 30 |
| Electronic Stability Control | N/A | 5 |
| Federal Employee | N/A | 10 |
| Forward Collision Warning | N/A | 5 |
| Full Payment | N/A | $5 |
| Further Education | N/A | 10 |
| Good Student | N/A | 22.5 |
| Green Vehicle | N/A | 10 |
| Membership/Group | N/A | 10 |
| Military | N/A | 4 |
| Multiple Policies | N/A | 20 |
| Multiple Vehicles | N/A | 10 |
| New Address | N/A | 5 |
| New Graduate | N/A | 5 |
| Newly Licensed | N/A | 5 |
| Newlyweds | N/A | 5 |
| Occupation | N/A | 10 |
| Passive Restraint | 30 | N/A |
| Recent Retirees | N/A | 4 |
| Students & Alumni | N/A | 10 |
| Switching Provider | N/A | 10 |
| Vehicle Recovery | N/A | 35 |
| VIN Etching | N/A | 5 |
Unfortunately, our data source shows only three discounts offered by American Family: defensive driver, air bags, and using their driving device or app.
However, if you have a vehicle recovery system, you can save 35 percent with Liberty Mutual, so it really pays to check out all of the discounts every company offers.
Auto insurance providers often offer discounts tailored to specific driver categories. To find out if you qualify for additional savings, it’s a good idea to contact American Family or Liberty Mutual customer service at their respective phone numbers and inquire about American Family Insurance discounts.
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What types of auto insurance coverages are offered by American Family and Liberty Mutual?
Since both American Family and Liberty Mutual are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below.
Before buying each one, make sure you understand the different types of auto insurance coverage available to you:
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does American Family or Liberty Mutual have better auto insurance mobile apps?
In the last decade or so, usage-based auto insurance has become an individualized standard, and all of the larger auto insurance providers have a driving app you can install into your car or uses telematic mechanisms in your smartphone.
If you choose the usage-based auto insurance option with Liberty Mutual or American Family, care should be taken in driving safely because your rates may depend on it.
A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your American Family login or Liberty Mutual login would be the same.
Read more about each of these companies’ usage-based auto insurance programs in our American Family auto insurance review and our Liberty Mutual auto insurance review.
How do American Family and Liberty Mutual auto insurance compare in financial strength and customer satisfaction?
It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.
Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.
Insight into these factors is provided by the following three agencies:
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++.
https://www.consumerreports.org/cro/index.htm collects annual data from its subscribers regarding customer satisfaction of the American Family claims process and the Liberty Mutual claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints.
In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at ratings from credible third-party agencies for American Family and Liberty Mutual.
American Family vs. Liberty Mutual Company Ratings
| Agencies | | |
|---|---|---|
| AM Best | A (Excellent) | A (Excellent) |
| Consumer Reports | 89 | 88 |
| NAIC Complaint Ratio | 0.79 (total of 73 complaints) | 5.95 (total of 222 complaints) |
Both American Family and Liberty Mutual are highly competitive keeping claims process customer satisfaction high. Additionally, the financial future of both companies is strong.
Ready to buy auto insurance? When you’re not sure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.
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Frequently Asked Questions
Does Liberty Mutual check credit scores?
Yes, Liberty Mutual does consider credit scores when determining auto insurance rates. They use credit information to assess risk and set premiums, with higher credit scores typically associated with lower risk, which can impact the Liberty Mutual auto price.
How much is Liberty Mutual car insurance per month?
The monthly cost of Liberty Mutual car insurance varies widely based on factors such as your location, driving history, and coverage options. On average, premiums can range from $100 to $200 per month, but it’s best to get a personalized quote for an accurate estimate.
Is Liberty Mutual cheaper than Geico?
Liberty Mutual’s rates can be more competitive than Geico’s depending on your specific profile, such as driving record and location. However, this varies by individual case, so comparing quotes from both companies is recommended to find the best rate for you.
Is Liberty Mutual good car insurance?
Liberty Mutual is considered a reputable insurance provider with a wide range of coverage options and discounts. They have strong financial stability and customer service, but customer satisfaction can vary, so it’s important to review their ratings and compare with other insurers. When evaluating Liberty Mutual auto insurance rates, exploring Liberty Mutual comprehensive car insurance, or obtaining Liberty Mutual auto quotes, be sure to carefully assess their offerings alongside other options.
Is Liberty Mutual cheap?
What states does American Family Insurance cover?
American Family Insurance provides coverage in 19 states across the U.S., such as Wisconsin, Illinois, Colorado, and Ohio. To see the full list of states where they offer services, including American Family Insurance roadside assistance, visit their official website or reach out to a local agent.
What types of insurance does Liberty Mutual offer?
Liberty Mutual offers a broad range of insurance products, including auto, home, renters, life, and business insurance.
Where does Liberty Mutual rank for auto insurance?
Liberty Mutual is often ranked highly among auto insurance providers for its coverage options and discounts. However, rankings can vary depending on the criteria and source of the review. Checking recent consumer reports and industry rankings can provide up-to-date information.
Why is Liberty Mutual so cheap?
Liberty Mutual may offer lower rates due to various factors such as their range of discounts, competitive pricing strategies, and the ability to leverage a large pool of policyholders. Individual rates can vary based on personal factors and the specific coverage options selected.
What are American Family car insurance quotes?
American Family car insurance quotes vary based on factors such as your location, driving history, vehicle type, and coverage options. On average, you can expect to pay anywhere from $100 to $200 per month, but for the most accurate quote, it’s best to request a personalized estimate from American Family or through their website.
How do American Family auto insurance claims work?
American Family auto insurance claims can be filed online, via phone, or through their mobile app. After filing a claim, an adjuster will review the details, assess the damage, and determine the payout amount based on your policy. They will guide you through the process, from initial claim submission to settlement.
What is the price of American Family insurance for auto coverage?
The cost of American Family auto insurance depends on various factors such as your driving record, location, vehicle type, and coverage limits. On average, premiums might range between $100 and $200 per month. For a precise rate, it’s best to get a personalized quote directly from American Family.
What are the most common complaints about American Family insurance claims?
American Family Insurance complaints frequently involve issues such as delays in claim processing, challenges in contacting customer service, and disputes over claim settlements. Additionally, some customers express dissatisfaction with the payout amounts compared to their expectations. To get a clearer picture, it’s recommended to check recent reviews and speak with customer service regarding any specific concerns.
How does Liberty Mutual compare to other insurance agencies?
Liberty Mutual is competitive with other insurance agencies in terms of coverage options, discounts, and customer service. They offer a wide range of insurance products and are known for their extensive discount programs. Comparing Liberty Mutual with other agencies will depend on factors like your personal needs, driving history, and location.
Does Liberty Mutual offer full coverage car insurance?
Yes, Liberty Mutual provides full coverage car insurance that generally encompasses liability, collision, and comprehensive coverage, along with additional options like rental reimbursement and roadside assistance. You can tailor your policy to include various add-ons, including roadside assistance from Liberty Mutual, to suit your specific needs.
What options does Liberty Mutual provide for college students?
Does Liberty Mutual provide mechanical breakdown insurance?
Yes, Liberty Mutual offers mechanical breakdown insurance, which covers repairs to your vehicle’s mechanical components after the manufacturer’s warranty expires. This coverage helps protect against costly repairs not covered by standard auto insurance policies.
What is the phone number for Liberty Mutual no-fault claims?
For no-fault claims with Liberty Mutual, you can contact their claims department at 1-800-225-2467. This number is available for filing and managing claims, including those related to no-fault accidents.
Why is Liberty Mutual raising rates?
Liberty Mutual may raise rates due to various factors such as increased claims frequency, higher repair costs, changes in regulations, or adjustments based on claims experience. Rate increases can also reflect shifts in market conditions or underwriting guidelines.
Does Liberty Mutual offer a federal employee discount?
Yes, Liberty Mutual offers discounts to federal employees as part of their broader discount programs. To find out if you qualify and the amount of the discount, you can contact Liberty Mutual directly or visit their website for more details.
What does Liberty Mutual’s extended auto warranty include?
Liberty Mutual’s extended auto warranty includes coverage for various mechanical and electrical components of your vehicle beyond the standard manufacturer’s warranty. It typically covers parts and labor costs for repairs needed due to mechanical breakdowns.
What do reviews about Liberty Mutual homeowners insurance?
Liberty Mutual homeowners insurance is generally reviewed positively for its comprehensive coverage options, customer service, and various discount opportunities. However, reviews can vary, so it’s beneficial to read recent customer feedback and ratings to get a clear picture of their service.
Does American Family Insurance offer a military discount?
American Family Insurance does not specifically advertise a military discount. However, they may offer other discounts that could benefit military personnel. It’s best to contact American Family directly to inquire about any available discounts for military members.
How does Liberty Mutual compare to Erie Insurance?
Liberty Mutual and Erie Insurance both offer competitive auto insurance options, but they differ in coverage options, discounts, and customer service. Liberty Mutual has a wide range of discounts and customizable policies, while Erie Insurance is known for its strong customer service and comprehensive coverage options. Comparing the two will depend on your specific needs and preferences.
How can I verify my insurance with Liberty Mutual?
You can verify your insurance with Liberty Mutual by logging into your online account, using their mobile app, or contacting customer service directly. They can provide you with policy details, coverage status, and any necessary documentation.
How does Liberty Mutual compare to Mercury Insurance?
Liberty Mutual and Mercury Insurance offer competitive rates and a variety of coverage options. Liberty Mutual is known for its extensive discount programs and large network of services, while Mercury Insurance often emphasizes affordability and strong customer service. Comparing the two can help you find the best fit for your insurance needs.
How does Liberty Mutual compare to The General?
Liberty Mutual typically provides a wider variety of coverage options and discounts than The General. Known for its comprehensive policies and solid financial stability, Liberty Mutual may appeal to those seeking robust c. On the other hand, The General often caters to high-risk drivers with more affordable coverage. Evaluating Liberty Mutual auto insurance quotes and Liberty Mutual insurance driver options from both providers can help you determine which one aligns best with your needs.
How does Liberty Mutual compare to Nationwide Insurance?
Liberty Mutual and Nationwide Insurance both offer extensive coverage options and discounts. Liberty Mutual is noted for its wide range of add-ons and customizable policies, while Nationwide is known for its strong customer service and variety of insurance products. Comparing their services will depend on your specific insurance requirements.
How does Liberty Mutual compare to Safe Auto?
Liberty Mutual typically offers more comprehensive coverage options and discounts compared to Safe Auto. Liberty Mutual is known for its extensive range of policies and customer service, while Safe Auto focuses on providing affordable insurance for high-risk drivers. Evaluating both can help you decide which insurance provider suits your needs.
How does Progressive compare to American Family Insurance?
Progressive and American Family Insurance both provide competitive auto insurance options, but they differ in their offerings. Progressive is known for its usage-based insurance programs and innovative tools, while American Family often emphasizes personalized service and a variety of coverage options. Comparing both can help you find the best policy for your needs.
How does Liberty Mutual compare to State Farm?
Liberty Mutual and State Farm both offer a wide range of coverage options and discounts. State Farm is known for its extensive agent network and strong customer service, while Liberty Mutual offers competitive pricing and customizable policies. Comparing the two will help determine which provider best meets your insurance needs.
Does Liberty Mutual offer Gap insurance?
Yes, Liberty Mutual offers gap insurance, which covers the difference between the amount owed on your car loan and the actual cash value of your vehicle in the event of a total loss. This coverage helps protect against financial loss if your vehicle is totaled.
How does Liberty Mutual compare to 21st Century Insurance?
Liberty Mutual and 21st Century Insurance both offer auto insurance with competitive rates and coverage options. Liberty Mutual is known for its wide range of discounts and customizable policies, while 21st Century often focuses on affordability and basic coverage options. Comparing their offerings can help you choose the best provider for your needs.
How does 21st Century Insurance compare to American Family?
21st Century Insurance and American Family offer different strengths in auto insurance. 21st Century often emphasizes affordability and straightforward coverage options, while American Family provides a broad range of coverage choices and discounts. Evaluating both can help you determine which insurance provider aligns best with your requirements.
Is American Family good at paying claims?
American Family Insurance generally has a positive reputation for paying claims. They are known for their efficient claims process and customer service. However, individual experiences can vary, so it’s a good idea to read customer reviews and ratings specific to your area or situation.
Enter your ZIP code below to compare auto insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.