Choosing an auto insurance company is difficult: rates may vary by location, age, and driving history, and companies offer an array of perks. Liberty Mutual and American Family are two of the most popular car insurance companies, providing competitively priced policies across large portions of the US.
To help make shopping for car insurance easier, we gathered average policy rates from American Family and Liberty Mutual. The below cover myriad rating factors, including credit score, driving history, and age. Examine these rates and find the perfect policy for you.
If you have very bad credit, American Family could be the way to go. On average, American Family offers cheaper prices than Liberty Mutual for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider Check out average insurance costs by credit score for American Family and Liberty Mutual below.
|Credit level||Liberty Mutual avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$3,228||$1,931|
|Very Good (740-799)||$1,878||$1,009|
If you're dealing with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your résumé, American Family could be a better choice than Liberty Mutual. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to find out which insurance company suits you.
|Violation||Liberty Mutual avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$1,763|
|At-fault accident (damage > $1,000)||$2,112||$990|
Insurance companies use age as an indicator of potential risk, pricing policies on a sliding scale. Car insurance is usually priciest for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age tiers differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose American Family over Liberty Mutual: the former's average annual rates are $2,749 less than the latter's..
|Age tier||Liberty Mutual avg. annual premium||American Family avg. annual premium|
Setting aside cost, Liberty Mutual and American Family come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||Liberty Mutual||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||American Family|
|JD Power Rankings||Below average||Below average|
|Other Products||Liberty Mutual||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||American Family|
|Additional Discounts||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.||None Available|
|Recent 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
Let's first summarize the two: 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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|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|