American Family vs. Liberty Mutual: Best Car Insurance for 2021
Comparing American Family vs. Liberty Mutual car insurance shows which company provides better insurance overall. American Family car insurance rates are $219 cheaper than Liberty Mutual. However, Liberty Mutual earns $6.3 billion more than American Family. Both companies have an A rating with A.M. Best, but American Family has fewer complaints. American Family vs. Liberty Mutual car insurance quotes will vary based on various factors.
Compare Car Insurance Companies
Secured with SHA-256 Encryption
UPDATED: Feb 19, 2021
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Liberty Mutual Insurance has a bigger market share than American Family
- American Family Insurance is only available in 19 states
- American Family Care is one of many products you can add to your car insurance policy to save money
- Overall, American Family has better financial strength ratings
American Family and Liberty Mutual car insurance quotes are easy to locate, but the difference between the two car insurance companies means everything when you’re shopping for cheap coverage.
Our American Family vs. Liberty Mutual car insurance review explains which company has more discounts, more coverage options, and better third-party ratings.
To secure affordable car insurance rates, use our free comparison tool to multiple companies in your local area before learning more about American Family vs. Liberty Mutual.
For more information about American Family and Liberty Mutual auto insurance, continue reading.
American Family vs. Liberty Mutual Car Insurance: Which company is the cheapest?
There’s so much more to both companies. Before examining how different factors affect American Family and Liberty Mutual car insurance quotes, let’s look at a general summary of how these two companies match up.
|Summary||American Family Car Insurance Stats||Liberty Mutual Car Insurance Stats|
|Headquarters||6000 American Parkway, Madison, WI||175 Berkeley Street Boston, MA|
|Available in how many states?||19 States||All States|
|Direct Premiums||$5.8 Billion||$12.1 Billion|
|National Average Car Insurance Rate||$287||$506|
On average, American Family car insurance rates are $287 per month, but Liberty Mutual car insurance rates are $506 per month. Liberty Mutual has an advantage, though.
You buy Liberty Mutual car insurance anywhere in the United States. However, you can buy American Family car insurance in 19 states. This explains why Liberty Mutual has a much larger market share than American Family.
If you want to know how various factors determine Liberty Mutual and American Family car insurance quotes, follow us to the subsections below.
Which is cheapest by location?
We calculated our national average based on the average monthly rate of each state. As you might have guessed, your auto insurance rates are determined by your address.
To narrow down the cost of car insurance on a national level, we focused on sample quotes by state. Let’s examine American Family and Liberty Mutual rates by state below.
|States||American Family Monthly Car Insurance Rates||Liberty Mutual Monthly Car Insurance Rates|
|Alabama||Data Not Available||$334|
|Arkansas||Data Not Available||Data Not Available|
|Arizona||Data Not Available||Data Not Available|
|California||Data Not Available||$253|
|Connecticut||Data Not Available||$607|
|District of Columbia||Data Not Available||Data Not Available|
|Delaware||Data Not Available||$1,530|
|Florida||Data Not Available||$447|
|Georgia||Data Not Available||$838|
|Hawaii||Data Not Available||$266|
|Kentucky||Data Not Available||$494|
|Louisiana||Data Not Available||Data Not Available|
|Maine||Data Not Available||$361|
|Maryland||Data Not Available||$775|
|Massachusetts||Data Not Available||$362|
|Michigan||Data Not Available||$1,667|
|Mississippi||Data Not Available||$371|
|Montana||Data Not Available||$111|
|North Carolina||Data Not Available||$182|
|New Hampshire||Data Not Available||$704|
|New Jersey||Data Not Available||$564|
|New Mexico||Data Not Available||Data Not Available|
|New York||Data Not Available||$545|
|Oklahoma||Data Not Available||$573|
|Pennsylvania||Data Not Available||$505|
|Rhode Island||Data Not Available||$515|
|South Carolina||Data Not Available||Data Not Available|
|Tennessee||Data Not Available||$517|
|Texas||$404||Data Not Available|
|Virginia||Data Not Available||Data Not Available|
|Vermont||Data Not Available||$302|
|West Virginia||Data Not Available||$244|
|Wyoming||Data Not Available||$166|
Only 19 states have American Family auto insurance rates available. States with American Family and Liberty Mutual show American Family as a less expensive company.
Which is cheapest by driving record?
Don’t be intimidated by expensive car insurance rates. There are ways to get more affordable American Family and Liberty Mutual rates. One of the best ways to do that is to maintain a clean driving record.
Any traffic violations, accidents, or DUI convictions could complicate your auto insurance policy. Let’s look at how these factors can affect your American Family or Liberty Mutual car insurance.
|Driving Record Summary||American Family Monthly Car Insurance Rates||Liberty Mutual Monthly Car Insurance Rates|
|Clean Driving Record||$224||$398|
|With 1 Speeding Violation||$252||$475|
|With 1 Accident||$310||$517|
|With 1 DUI||$361||$634|
Accidents and DUIs have the most impact on your Liberty Mutual and American Family auto insurance rates. However, the cheapest company based on driving records is American Family.
Which is cheapest by credit score?
Anyone with a good or excellent credit score can be rewarded with more affordable car insurance. Why? According to Experian, auto insurance providers will issue cheaper rates to customers with good credit because they correlate to lower chances of filing claims.
However, customers with fair or poor credit have a higher chance of filing claims. In fairness, car insurance companies react differently to credit scores. Let’s see how American Family and Liberty Mutual respond to car insurance rates based on credit score.
|Credit Score Summary||American Family Monthly Car Insurance Rates||Liberty Mutual Monthly Car Insurance Rates|
|Good Credit (670-739)||$224||$366|
|Fair Credit Score (580-669)||$264||$467|
|Poor Credit Score (300-579)||$372||$734|
American Family car insurance is hundreds of dollars cheaper than Liberty Mutual. However, your credit score doesn’t qualify you for cost-efficient auto insurance rates.
Which is cheapest by age, gender, and marital status?
Did you know your marital status can affect your auto insurance quotes? Statistically, single drivers take more risks than married drivers.
When you factor in age and gender, your car insurance rates are impacted even more. But how much more? Let’s examine the cost of American Family and Liberty Mutual car insurance based on age, gender, and marital status.
|Age, Gender, and Marital Status||American Family Monthly Car Insurance Rates||Liberty Mutual Monthly Car Insurance Rates|
|Married 60-year-old female||$166||$287|
|Married 60-year-old male||$168||$307|
|Married 35-year-old female||$184||$317|
|Married 35-year-old male||$185||$321|
|Single 25-year-old female||$191||$330|
|Single 25-year-old male||$225||$375|
|Single 17-year-old female||$500||$968|
|Single 17-year-old male||$678||$1,143|
Liberty Mutual auto insurance is costly for teen drivers, especially teen males. Married senior drivers pay the least for car insurance. However, American Family would be the company you would need if you want to save money.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
American Family vs. Liberty Mutual Car Insurance Coverages
Is there a particular coverage that you need? American Family and Liberty Mutual provide several coverage options for customers. But who has more to offer? Let’s compare the options below.
|American Family Car Insurance Coverages||Liberty Mutual Car Insurance Coverages|
|Comprehensive||Bodily Injury Liability|
|Collision||Property Damage Liability|
|Gap/Lease & Loan||Medical Payments coverage|
|Uninsured Motorist||Comprehensive Coverage|
|Bodily Injury||Uninsured & Underinsured Motorist Coverage|
|Medical Payments||Personal Injury Protection|
|24/7 Emergency Roadside Assistance||GAP Coverage|
|Accident Forgiveness||Rental Car Reimbursement|
|Classic Car||Roadside Assistance|
|Commercial Auto Insurance||Accident Forgiveness|
|Rental Car Reimbursement Coverage|
American Family can provide more options than Liberty Mutual. Does it make Liberty Mutual a bad company? No. Remember, American Family is limited to a few states, but Liberty Mutual provides insurance nationwide and beyond.
Other American Family and Liberty Mutual Insurance Products
Do you want to add another insurance service to your policy? Liberty Mutual and American Family have different insurance services. Here’s a list of other insurance products from both companies.
- Boat Insurance
- Car Insurance
- Condo Insurance
- Life Insurance
- Homeowners Insurance
- Travel Trailer Insurance
- Renters Insurance
- RV Insurance
- Motorcycle Insurance
- Mobile Home Insurance
If you can bundle your car insurance with any of these services, you can get a discount on your car insurance policy. For example, you can bundle American Family Care with an American Family auto insurance policy to save you money.
You can do the same at Liberty Mutual, too. However, it would be best if you asked questions before making a decision. Contact American Family or Liberty Mutual customer service for more information. American Family’s customer service phone number is 1-800-692-6326, and the Liberty Mutual phone number is 1-800-290-7933.
If you have a policy with either company, use your American Family or Liberty Mutual login to check your policy discounts or special car insurance discounts.
American Family vs. Liberty Mutual Car Insurance: Who has more discounts?
You can use discounts to slash car insurance rates to a more affordable cost. The more deals you have, the lower you can be. Let’s match up American Family and Liberty Mutual auto insurance discounts to see which company has more.
|Car Insurance Discounts||American Family Availability||Liberty Mutual Availability|
|Adaptive Cruise Control||x|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||x|
|Lane Departure Warning||x|
|Forward Collision Warning||x|
|New Customer/New Plan||x|
|On Time Payments|
|Seat Belt Use|
|Students & Alumni||x||x|
When stacked up, Liberty Mutual has more discounts than American Family. Under the right circumstances, you can qualify for multiple discounts and generate a less expensive car insurance rate.
Financial Strength and Customer Satisfaction Ratings
If you were ever curious about how well car insurance companies manage money, you should look into financial strength ratings. Financial strength can reveal how auto insurance pays out claims and grades the company’s learning potential.
Customer satisfaction is usually a passenger along with financial strength ratings. Therefore, we’ve included customer ratings from various agencies to show you how American Family and Liberty Mutual performs in these two areas of car insurance.
|Agencies||American Family Ratings||Liberty Mutual Ratings|
|NAIC Complaint Index||0.89||1.62|
|J.D. Power - Power Circle Ratings||About Average||About Average|
|Apple App Store (iOS) Ratings||5 stars||5 stars|
|Google Play Store (Android) Ratings||4 stars||4 stars|
AM Best, Moody’s, and S&P are financial strength and credit rating agencies that measure a company’s economic outlook from the year before. Currently, American Family’s ratings are better than Liberty Mutual.
The Consumer Reports, NAIC Complaint Index, and J.D. Power scores are customer satisfaction ratings. Once again, American Family has better ratings.
Finally, we see the mobile app ratings. American Family and Liberty Mutual come to a stalemate here, but American Family has better ratings overall.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
American Family vs. Liberty Mutual Car Insurance: The Bottom Line
American Family Insurance is best if you’re looking for a cheaper rate and a company with better ratings. However, American Family has limited availability in the United States. Liberty Mutual may be expensive, but you can use discounts to lower rates, and the company is available in all 50 states and Washington D.C.
Ready to buy car insurance? Enter your ZIP code in the free comparison tool below if you want to search for car insurance quotes now that you’ve finished our American Family vs. Liberty Mutual car insurance guide.