Auto Club (AAA) vs Liberty Mutual Car Insurance

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Auto Club (AAA) or Liberty Mutual:
Which Company is Best for You?

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.


Compare Auto Club (AAA) vs. Liberty Mutual auto insurance rates


Auto Club (AAA) vs. Liberty Mutual: prices by credit level

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):


RATES BY CREDIT SCORE: Liberty Mutual VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premiumLiberty Mutual avg. annual premium
Very Poor (300-579)$6,569$3,228
Fair (580-669)$4,023$2,276
Good (670-739)$3,723$2,109
Very Good (740-799)$3,004$1,878
Exceptional (800-850)$2,814$1,792

Auto Club (AAA) vs. Liberty Mutual: rates for high-risk drivers

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Liberty Mutual VS. Auto Club (AAA)
InfractionAuto Club (AAA) avg. annual premiumLiberty Mutual avg. annual premium
At-fault accident (damage < $1,000)$4,078$2,776
At-fault accident (damage > $1,000)$4,002$2,112
DUI/DWI$5,530$4,182
Reckless driving$5,530$3,459
Speeding ticket$4,078$2,068

Auto Club (AAA) vs. Liberty Mutual: rates by age

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..


COMPARING AUTO INSURANCE RATES BY AGE: Liberty Mutual VS. Auto Club (AAA)
AgeAuto Club (AAA) avg. annual premiumLiberty Mutual avg. annual premium
Teens$10,256$6,559
20s$4,644$2,686
30s$3,248$2,686
40s$3,195$1,926
50s$3,083$1,793
60s$2,887$1,746

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 ComparisonAuto Club (AAA)Liberty Mutual
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAuto Club (AAA)Liberty Mutual
Financial Strength GoodExcellent
JD Power Rankings
2 out of 5
3 out of 5
User Satisfaction

N/A

A

Other ProductsAuto Club (AAA)Liberty Mutual
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
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Motorcycle Insurance
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Other FeaturesAuto Club (AAA)Liberty Mutual
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.
Roadside AssistanceAAA 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 DiscountsAAA 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.
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Compare MoreAuto 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. 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. 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. USAALiberty 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. 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. 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Auto Club (AAA) vs Liberty Mutual

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