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Choosing a car insurance company can be hard: companies' rates may vary based on your driving record, location, and age, and every company provides a different set of discounts. Auto Club (AAA) and Liberty Mutual are among the US' most popular insurance companies, selling competitively priced policies in most US states.
In an effort to make insurance shopping seamless, we have pulled average rates from Liberty Mutual and Auto Club (AAA). These take into account myriad rating factors, including credit, driving history, and age. Compare rates and find an affordable policy today.
If you have extremely bad credit, Liberty Mutual could be the way to go. On average, Liberty Mutual offers cheaper premiums than Auto Club (AAA) for drivers with credit scores of 579 or less. Those with excellent credit — a score of 800-plus — should favor View average insurance costs by credit level for Liberty Mutual and Auto Club (AAA):
|Credit level||Auto Club (AAA) avg. annual premium||Liberty Mutual avg. annual premium|
|Very Poor (300-579)||$6,569||$3,228|
|Very Good (740-799)||$3,004||$1,878|
If you have an at-fault collision, speeding violation, reckless driving violation, or DUI on your résumé, Liberty Mutual could be a better choice than Auto Club (AAA). Every insurer enacts rate penalties differently, so don't hesitate to shop around to find out which insurance company suits you.
|Infraction||Auto Club (AAA) avg. annual premium||Liberty Mutual avg. annual premium|
|At-fault accident (damage < $1,000)||$4,078||$2,776|
|At-fault accident (damage > $1,000)||$4,002||$2,112|
Insurers use age to outline potential risk, assigning rates on a sliding scale. Auto insurance is commonly more expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because every auto insurance company prices age tiers differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Liberty Mutual before Auto Club (AAA): the former's average annual rates are $3,697 less than the latter's..
|Age||Auto Club (AAA) avg. annual premium||Liberty Mutual avg. annual premium|
Cost aside, Auto Club (AAA) and Liberty Mutual each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Auto Club (AAA)||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Liberty Mutual|
|JD Power Rankings||2 out of 5||3 out of 5|
|Other Products||Auto Club (AAA)||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||Liberty Mutual|
|About||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.||"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.|
|Roadside Assistance||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.||Liberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.|
|Additional Discounts||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.||Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.|
|Recent Questions||Does roadside assistance cover people not on your policy|
Customer service for AAA roadside assistance only versus AAA auto insurance?
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|Compare More||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA||Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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