Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 19, 2021

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Key Takeaways

  • 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.

American Family vs. Liberty Mutual Summary
SummaryAmerican Family Car Insurance StatsLiberty Mutual Car Insurance Stats
Year Founded19271912
Headquarters6000 American Parkway, Madison, WI175 Berkeley Street Boston, MA
Phone Number1-800-692-63261-800-290-7933
Available in how many states?19 StatesAll States
Direct Premiums$5.8 Billion$12.1 Billion
Market Share2%5%
National Average Car Insurance Rate$287$506

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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.

American Family vs. Liberty Mutual Car Insurance Rates by State
StatesAmerican Family Monthly Car Insurance RatesLiberty Mutual Monthly Car Insurance Rates
AlabamaData Not Available$334
ArkansasData Not AvailableData Not Available
ArizonaData Not AvailableData Not Available
CaliforniaData Not Available$253
ConnecticutData Not Available$607
District of ColumbiaData Not AvailableData Not Available
DelawareData Not Available$1,530
FloridaData Not Available$447
GeorgiaData Not Available$838
HawaiiData Not Available$266
KentuckyData Not Available$494
LouisianaData Not AvailableData Not Available
MaineData Not Available$361
MarylandData Not Available$775
MassachusettsData Not Available$362
MichiganData Not Available$1,667
MississippiData Not Available$371
MontanaData Not Available$111
North CarolinaData Not Available$182
North Dakota$318$1,071
New HampshireData Not Available$704
New JerseyData Not Available$564
New MexicoData Not AvailableData Not Available
New YorkData Not Available$545
OklahomaData Not Available$573
PennsylvaniaData Not Available$505
Rhode IslandData Not Available$515
South CarolinaData Not AvailableData Not Available
South Dakota$337$626
TennesseeData Not Available$517
Texas$404Data Not Available
VirginiaData Not AvailableData Not Available
VermontData Not Available$302
West VirginiaData Not Available$244
WyomingData Not Available$166

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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.

American Family vs. Liberty Mutual Car Insurance Rates by Driving Records
Driving Record SummaryAmerican Family Monthly Car Insurance RatesLiberty 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

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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.

American Family vs. Liberty Mutual Car Insurance Rates by Credit Scores
Credit Score SummaryAmerican Family Monthly Car Insurance RatesLiberty 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

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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.

American Family vs Liberty Mutual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmerican Family Monthly Car Insurance RatesLiberty 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

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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.

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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 vs. Liberty Mutual Car Insurance Coverages
American Family Car Insurance CoveragesLiberty Mutual Car Insurance Coverages
ComprehensiveBodily Injury Liability
CollisionProperty Damage Liability
Gap/Lease & LoanMedical Payments coverage
UnderinsuredCollision Coverage
Uninsured MotoristComprehensive Coverage
Bodily InjuryUninsured & Underinsured Motorist Coverage
Medical PaymentsPersonal Injury Protection
24/7 Emergency Roadside AssistanceGAP Coverage
Accident ForgivenessRental Car Reimbursement
Classic CarRoadside Assistance
Commercial Auto InsuranceAccident Forgiveness
Rideshare Insurance
Rental Car Reimbursement Coverage
OEM Coverage
Travel Coverage

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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.

Comparing American Family vs. Liberty Mutual Car Insurance Discounts
Car Insurance DiscountsAmerican Family AvailabilityLiberty Mutual Availability
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehicle
Vehicle Recoveryxx
VIN Etchingx
Lane Departure Warningx
Newer Vehicle
Green Vehiclex
Forward Collision Warningx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appxx
Early Signingx
Emergency Deployment
Engaged Couple
Family Legacyx
Family Planx
Farm Vehicle
Fast 5
Federal Employeex
Full Paymentxx
Further Educationx
Good Credit
Good Studentxx
Life Insurance
Low Mileagexx
Military Garaging
Multiple Drivers
Multiple Policiesxx
Multiple Vehiclesxx
New Addressx
New Customer/New Planx
New Graduatex
Newly Licensedx
Occasional Operator
On Time Payments
Online Shopper
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retireesx
Roadside Assistance
Safe Driverx
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumnixx
Switching Providerxx
Young Driverx

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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.

American Family vs. Liberty Mutual Financial Strength and Credit Ratings
AgenciesAmerican Family RatingsLiberty Mutual Ratings
NAIC Complaint Index0.891.62
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8988
Apple App Store (iOS) Ratings5 stars5 stars
Google Play Store (Android) Ratings4 stars4 stars

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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.

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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.

Which car insurance company is for you? If you want a closer look at both companies, visit our American Family Car Insurance Review or Liberty Mutual Car Insurance Review.

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.