Auto Club (AAA) vs. Liberty Mutual insurance

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Auto Club (AAA) vs. Liberty Mutual insurance

AAA
$141/mo

Average price per month

3.0 Rating from The Zebra

Liberty Mutual
$155/mo

Average price per month

3.5 Rating from The Zebra

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

Selecting a car insurance company is sometimes difficult: rates fluctuate based on your driving history, age, and location, and every company's discounts differ. AAA and Liberty Mutual are among the most popular car insurance companies, providing competitively priced policies in many states.

In an effort to make shopping for car insurance easier, we've collected average insurance rates from Liberty Mutual and AAA. These take into consideration a variety of pricing components, including credit rating, driving behavior, and age. Examine these rates and find the perfect policy for you.

Want to find out more? Check out our full reviews of AAA and Liberty Mutual.

 

AAA vs. Liberty Mutual: premium comparison

 

AAA vs. Liberty Mutual: pricing by credit score

If you have very poor credit, Liberty Mutual could be preferable to AAA. Typically, Liberty Mutual offers better rates than AAA for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should opt for View common insurance rates by credit tier for Liberty Mutual and AAA:

 
RATES BY CREDIT LEVEL: LIBERTY MUTUAL VS. AAA
Credit levelAAA 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
 

AAA vs. Liberty Mutual: costs for high-risk drivers

If you've got an at-fault crash, speeding ticket, reckless driving citation, or DUI on your driving record, Liberty Mutual could be a better choice than AAA. Every insurer prices its policies differently, so always do your due diligence and compare quotes to understand which insurance company suits you.

 
RATES BY CITATION: LIBERTY MUTUAL VS. AAA
CitationAAA 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
 

AAA vs. Liberty Mutual: rates by age

Car insurance companies use age to outline risk potential, assigning rates accordingly. Car insurance is typically more expensive for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Liberty Mutual over AAA: the former's average annual rates are $3,697 less than the latter's..

 
COMPARING AUTO INSURANCE RATES BY AGE: LIBERTY MUTUAL VS. AAA
AgeAAA 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
 

Affordability aside, AAA and Liberty Mutual come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.

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
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Liberty Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Liberty Mutual
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.
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 such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.
Recent QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
Why did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.
Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
What's the difference between a vanishing deductible and accident forgiveness
Simply put: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.
Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.
See More Questions
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