Liberty Mutual vs American Family Car Insurance

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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 levelLiberty Mutual avg. annual premiumAmerican 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
ViolationLiberty Mutual avg. annual premiumAmerican 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 tierLiberty Mutual avg. annual premiumAmerican 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 ComparisonLiberty MutualAmerican 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 ComparisonLiberty MutualAmerican Family
Financial Strength ExcellentExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A

Other ProductsLiberty MutualAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualAmerican Family
About"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.American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
Roadside AssistanceLiberty 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.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 DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.None Available
Recent QuestionsWhy 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
Simply 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 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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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Liberty Mutual vs American Family

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