Liberty Mutual vs. American Family
Compare rates from the top car insurance companies in your area.
Liberty Mutual or American Family: Which Company is Best for You?
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.
Want to learn more? Read our full reviews of Liberty Mutual and American Family.
Liberty Mutual vs. American Family: premium comparison
Liberty Mutual vs. American Family: prices by credit level
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.
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMERICAN FAMILY VS. LIBERTY MUTUAL
| Credit level | Liberty Mutual avg. annual premium | American Family avg. annual premium |
| Very Poor (300-579) | $3,228 | $1,931 |
| Fair (580-669) | $2,276 | $1,294 |
| Good (670-739) | $2,109 | $1,220 |
| Very Good (740-799) | $1,878 | $1,009 |
| Exceptional (800-850) | $1,792 | $941 |
Liberty Mutual vs. American Family: costs for high-risk drivers
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.
HIGH-RISK INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. LIBERTY MUTUAL
| 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 |
| DUI/DWI | $4,182 | $1,857 |
| Reckless driving | $3,459 | $1,857 |
| Speeding ticket | $2,068 | $1,270 |
Liberty Mutual vs. American Family: rates by age
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..
RATES BY AGE BRACKET: AMERICAN FAMILY VS. LIBERTY MUTUAL
| Age tier | Liberty Mutual avg. annual premium | American Family avg. annual premium |
| Teens | $6,559 | $3,810 |
| 20s | $2,686 | $1,685 |
| 30s | $1,942 | $1,685 |
| 40s | $1,926 | $1,089 |
| 50s | $1,793 | $1,089 |
| 60s | $1,746 | $986 |
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 |
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| Good Student |
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| Student Away at School |
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| Ratings Comparison | Liberty Mutual | American Family |
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| Financial Strength | Good | Excellent |
| JD Power Rankings | Average | Above average |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | American Family |
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| Other Features | Liberty Mutual | American Family |
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| About | 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. | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. |
| Roadside Assistance | Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage. | American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys). |
| 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.
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