Selecting a car insurance company is sometimes difficult: rates fluctuate based on your driving history, age, and location, and every company's discounts differ. Auto Club (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 Auto Club (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.
If you have very poor credit, Liberty Mutual could be preferable to Auto Club (AAA). Typically, Liberty Mutual offers better rates than Auto Club (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 Auto Club (AAA):
| Credit level | Auto Club (AAA) avg. annual premium | Liberty 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 |
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 Auto Club (AAA). Every insurer prices its policies differently, so always do your due diligence and compare quotes to understand which insurance company suits you.
| Citation | 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 |
| DUI/DWI | $5,530 | $4,182 |
| Reckless driving | $5,530 | $3,459 |
| Speeding ticket | $4,078 | $2,068 |
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 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 |
| 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, Auto Club (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 Comparison | Auto 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 Comparison | Auto Club (AAA) | Liberty Mutual |
|---|---|---|
| Financial Strength | Good | Excellent |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | Auto 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 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 | Can 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 policyI 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 forgivenessSimply 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 backI would try calling back again. It could be that the agent you spoke with was misinformed. See More Questions |
| 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. Safe Auto Auto Club (AAA) vs. Safeco 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 |