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AAA vs. Liberty Mutual: Which company is best for you?

Both AAA and Liberty Mutual enjoy widespread brand recognition and a large share of the auto insurance market, but which one is best for you? We've compared both companies to give you an idea of what you can expect as a customer. Read on to find out more.

AAA car insurance

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3 Rating from The Zebra Question mark icon

Perhaps best known for its roadside assistance programs, AAA also offers car insurance to its members. In most cases, coverage is not provided by AAA themselves, but through partner companies. AAA simply acts as an intermediary, meaning that coverage options and experiences can be vastly different based on location.

Pros Cons
  • Many bundling options
  • Additional membership benefits
  • Numerous discount opportunities
  • Lack of robust coverage options
  • Customer satisfaction scores are low                                          
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Liberty Mutual car insurance

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3 Rating from The Zebra Question mark icon

Liberty Mutual is a popular insurance carrier that provides a number of bundling options. Available coverage types are similar to those offered by most other major insurance companies, and they offer a wide variety of discount options. However, Liberty Mutual receives a higher number of customer complaints than many competitors. 

Pros Cons
  • Affordable rates for most drivers
  • Wide-ranging coverage options
  • Great customer satisfaction scores
  • Lack of local agents   
  • High number of customer complaints                                      
Learn more

Which company comes out on top?

Liberty Mutual


While these two companies have similar strengths and weaknesses, Liberty Mutual has a more extensive list of coverage options and better customer satusfaction scores, making it our preferred choice. 


AAA vs. Liberty Mutual: car insurance rate comparison

Choosing a car insurance company can be tough: companies' rates differ by driving history, age and location. AAA and Liberty Mutual are two of the most popular insurers, providing competitively priced policies in most states.

In an effort to simplify the comparison process, we've collected average rates from Liberty Mutual and AAA. These rates cover a variety of pricing components, including credit rating, driving history, and age. Take a look at these rates to help you in your search for an affordable policy. Keep in mind, however, that your rates are likely to be different than our samples. 

Want to learn more? Read our full reviews of AAA and Liberty Mutual.

Cheapest average rates
Cheapest average rates

Liberty Mutual has AAA beat by a hair for cheapest auto insurance rates, with their average monhtly rate as $144 to AAA's $151. However, this can vary from person to person, so it's always a good idea to get quotes from many different insurers to see which policy is most affordable.


AAA vs. Liberty Mutual: pricing by credit score

If you have very poor credit, Liberty Mutual could be the way to go. On average, Liberty Mutual offers more affordable rates than AAA for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should consider Liberty Mutual, which typically beats AAA by $1,022 per year. View common insurance rates by credit level for Liberty Mutual and AAA below.

 

RATES BY CREDIT LEVEL: LIBERTY MUTUAL VS. AAA
Credit score AAA avg. annual premium Liberty Mutual avg. annual premium
Very Poor (300-579) $6,659 $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 insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

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

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, Liberty Mutual could be a better choice than AAA. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.

 
RATES BY CITATION: LIBERTY MUTUAL VS. AAA
Violation 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

AAA vs. Liberty Mutual: rates by age

Insurance companies use a driver's age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Liberty Mutual: Liberty Mutual offers average yearly savings of $3,697, compared to AAA.

 
RATES BY AGE: LIBERTY MUTUAL VS. AAA
Age tier 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

Costs aside, AAA and Liberty Mutual both have pros and cons, including discount programs, customer satisfaction ratings, policy add-ons and financial stability. Be sure to get quotes and compare rates before making a decision.

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Ratings comparison: AAA vs. Liberty Mutual

When looking for a new auto policy, prices aren't the only thing to compare. Good scores from customers and third-party rating agencies can help you find an insurance company that provides good rates and great customer service. To help, we've found a variety of ratings for both AAA and Liberty Mutual to help you determine each company's customer satisfaction level, number of complaints and fiscal security outlook.

AAA vs. Liberty Mutual
Ratings comparison AAA Liberty Mutual
Financial strength (A.M. Best) Superior Good
JD Power (claims satisfaction) Below average Average
JD Power (customer satisfaction) Average Above average
NAIC rating Poor Poor
The Zebra's editorial review score 3/5 3/5
The Zebra's Customer Satisfaction Survey 4.6/5 4.2/5

Which company scores best?

Liberty Mutual


While this is a close call, Liberty Mutual etches out a victory here for their positive scores from JD Power and solid financial strength. While both compnies seem to recieve higher than the average number of complaints according to the NAIC, AAA's below average claims satisfaction score brought it to second place. 


The Zebra's Customer Satisfaction Survey

The Zebra conducted a survey to get a sense of which major car insurance providers are viewed by their customers. Find a rundown of the results below. 

AAA logo
AAA

Among the carriers on our survey, AAA ranked 13th (out of 15) with a score of 4.2. In general, the company placed near the bottom in almost every category.

  • Younger respondents had a more favorable view than older drivers
  • Best scores came in the trust category

 

Liberty logo
Liberty Mutual

Liberty Mutual came in near the bottom of our survey of fifteen carriers, placing at number fourteen. However, with a score of 4.2, Liberty wasn't far from its nearest competitors and placed better in some categories. Below are some highlights.

  • Scored well in Online Satisfaction (4.3)
  • Older drivers rated the company higher

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


AAA vs. Liberty Mutual: discount comparison

Car insurance discounts can help you save big on your insurance premiums. Take a look at how discounts from AAA and Liberty Mutual stack up below.

AAA vs. Liberty Mutual: discount comparison
Discount comparison 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

In addition to the discounts above, Liberty Mutual offers a number of money-saving discounts based on your method of payment. Due to AAA's partnerships with other car insurance companies to provide policies, some of these discount options may not be available in some locations. If unsure, ask a representative about which discounts for which you may qualify. 


Telematics options: AAA vs. Liberty Mutual

AAA and Liberty Mutual both offer telematics car insurance programs that can be beneficial to certain types of drivers. Have a look at the comparison below to see if one stands out as a better option for your insurance needs.

AAA logo
AAA OnBoard

Depending on the state in which they reside, some customers may be able to sign up for OnBoard, AAA's telematics option. The company boasts savings of 15% at sign-up, with total savings of up to 30% possible for eligible drivers. However, there is no separate app at the time of writing, meaning that all participants must download the AAA mobile app.

Liberty RightTrack
Liberty Mutual RightTrack

Liberty Mutual's telematics offering, RightTrack, follows your driving habits to help determine your rates. The company claims users can save as much as 30% off their rate. The app enjoys a score of 4.5 on the Apple Store and a score of 4.0 on Google Play.

Liberty Mutual ByMile
Liberty Mutual ByMile

Liberty Mutual ByMile is another app offering from the company that is aimed at low-mileage drivers. Sometimes called pay-per-mile — or usage-based — insurance, this program tracks the number of miles driven and customizes rates based on how much you drive. The app currently receives a 4.3 on the Apple Store and a 4.0 on Google Play.

Zebra tip: Explore Liberty Mutual for telematics offerings


Liberty Mutual has more telematics plans overall, so drviers can choose between a telematics and usage-based program depending on which better suits their unique needs.


Roadside assistance: AAA vs. Liberty Mutual

No one wants to be caught on the side of the road after a breakdown. Check out the different roadside assistance packages offered by both AAA and Liberty Mutual below.

AAA

Perhaps no other company is more closely associated with roadside assistance than AAA. For that reason, it's no surprise that the company has an expansive selection of options available to both members and policyholders. Below is a list of options available:

  • Jumpstarts
  • Towing
  • Fuel delivery
  • Vehicle lockout
  • flat tire service
  • Stuck vehicle services

AAA offers different levels of membership that apply to roadside assistance. Those in higher tiers are often reimbursed for larger amounts or eligible for towing for longer distances. The highest tier even offers trip interruption coverage.

 

Liberty Mutual

Liberty Mutual offers 24-hour roadside assistance featuring the following:

  • Towing
  • Jump starts
  • Fuel delivery
  • Lockout services
  • Flat-tire changes
tow truck

AAA vs. Liberty Mutual: home insurance

While both companies are major providers of auto insurance, the same goes for home insurance. Both companies can offer a variety of coverage types with plentiful add-ons that many homeowners could find satisfying. Read more about each company's home insurance offerings in our comparison below.

AAA homeowners insurance review

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4.0 Rating from The Zebra Question mark icon

As with AAA's car insurance offering, the company partners with a number of affiliated insurers to provide homeowners coverage. These companies include CSAA and Auto Club Indemnity Company. Ratings of AAA's home insurance offering are a composite of these companies in an effort to give a broad idea of what customers can expect.

  • The Zebra Customer Satisfaction Survey — 4.2/5: AAA ranked 14th in the overall homeowners carrier category of The Zebra Customer Satisfaction Survey.
  • Customer Service (J.D. Power) — Below Average: The average J.D. Power ranking of CSAA and Auto Club of Southern California Insurance group comes in just shy of the average for customer satisfaction. 
  • Financial Strength (AM Best) — Excellent: With a financial rating of “excellent,” you can rest assured AAA will be able to handle your claims.
  • Claims Satisfaction (NAIC)  Good: The average number of complaints across different branches of AAA homeowners insurance companies is fewer than average.
Learn more

Liberty Mutual homeowners review

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3.5 Rating from The Zebra Question mark icon

With the fourth largest share of the homeowners insurance market, Liberty Mutual has a wide footprint. The company has a variety of coverage options.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Liberty Mutual recieved a 4.3 out of 5 in The Zebra's survey of customer satisfaction. 
  • Claims satisfaction (J.D. Power Rating) — Below average: In J.D. Power's most recent property claims satisfaction report, Liberty Mutual came in just below the industry average.
  • Customer satisfaction (J.D. Power Rating) — Below average: Liberty Mutual fell below the industry average in J.D. Power's customer satisfaction study.
  • Financial strength — Good: According to AM Best, Liberty Mutual's financial outlook was rated at an "A".
  • NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Liberty Mutual's homeowners insurance, falling just below the national complaint index.
Learn more

Which company comes out on top?

Tie


Both AAA and Liberty Mutual can pair customers with good homeowners policies. According to these reputable third-party organizations, these carriers are farily evenly matched when it comes to financial strength, customer satisfation, and complaint averages. For that reason, we feel that both companies are worth exploring for homeowners insurance.


AAA vs. Liberty Mutual: home insurance rate comparison

The average annual home insurance rates for AAA are $1,212. Coming in a bit higher, Liberty Mutual's average annual homeowners insurance rate is $1,414.

Your individual rates are likely to vary from one company to another. This is because companies have different methods for underwriting. Your rates are highly dependent upon both where you live and your individual profile, and each company will place a different weight upon factors such as area crime, proximity to fire-fighting services and the age of your home. For this reason, it's highly recommended that you shop for homeowners quotes from a number of different sources, as this will likely lead you to the best rate.

Cheapest average rates
Cheapest average rates

Based on the data we have available, AAA has the cheapest home insurance rates at around $101 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


AAA vs. Liberty Mutual: homeowners discount comparison

Home insurance discounts are a great way to save money on your premiums. Both companies offer such discounts, though Liberty Mutual provides far more options for saving. 

AAA VS. LIBERTY MUTUAL: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison AAA Liberty Mutual
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Early signing
Auto pay
Newer home

It's important to note that customers with smart home technology may see extra benefits through a policy with Liberty Mutual. 

Zebra tip: Check out Liberty Mutual if you are seeking home insurance discounts


Qualifying customers have a number of discounts to choose from, including discounts for being claims-free, having a newer or updated roof and bundling car and home insurance together. However, even with extra discounts, other companies may still offer more affordable rates. 


Other insurance products and bundling options

AAA and Liberty Mutual both have options for bundling multiple policy types. Bundling policies can lead to savings in many cases. See our table below for a side-by-side comparison.

AAA VS. LIBERTY MUTUAL: Other insurance products
Other products AAA Liberty Mutual
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
Offroad vehicles and ATVs

Find the best insurance policy for your needs.

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RECENT QUESTIONS

Can I get AAA roadside assistance without having insurance with them?

You should be able to purchase roadside assistance with AAA without&nbsp;switching your insurance coverage to AAA. Their roadside coverage is actually offered separate from their insurance policies for this specific reason.
Feb 14, 2017 Yuba City, CA

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.
Jan 31, 2018 Tucson, Arizona

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.
Oct 24, 2018 Albany, OR

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.
Oct 13, 2018 Valley Cottage, NY

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.