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.
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 |
| 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 |
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 |
| DUI/DWI | $4,182 | $1,857 |
| Reckless driving | $3,459 | $1,857 |
| Speeding ticket | $2,068 | $1,270 |
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 |
| 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 |
|---|---|---|
| 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 | Liberty Mutual | American Family |
|---|---|---|
| Financial Strength | Good | Excellent |
| JD Power Rankings | Below average | Below average |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | American Family |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Liberty Mutual | American Family |
|---|---|---|
| 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. 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 forgivenessLet'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 backI would try calling back again. It could be that the agent you spoke with was misinformed. See More Questions | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. 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 |