Compare American Family vs. Liberty Mutual Auto Insurance in 2021

Looking at American Family vs. Liberty Mutual auto insurance companies, you’ll see that the American Family Insurance Company has lower rates and fewer complaints. However, Liberty Mutual offers more coverage options and discount opportunities than American Family. Comparing American Family vs. Liberty Mutual car insurance against other local providers in your area is the easiest way to determine the right auto insurance company for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 3, 2021

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A Concise Overview

  • American Family has lower rates than Liberty Mutual
  • Liberty Mutual has more coverage options than American Family
  • American Family and Liberty Mutual are rated the same by A.M. Best

American Family and Liberty Mutual offer various auto insurance coverages to drivers. American Family has lower rates, but Liberty Mutual provides more coverage options and discounts. Comparing American Family vs. Liberty Mutual car insurance will help you make the best choice.

Want to compare more than just American Family vs. Liberty Mutual auto insurance quotes? Enter your ZIP code above to compare free auto insurance quotes from multiple insurance companies in your area.

American Family vs. Liberty Mutual: What are their annual rates?

Comparing affordable American Family vs. Liberty Mutual auto insurance rates will help you find the cheapest option. The following chart shows the annual rates for American Family and Liberty Mutual auto insurance based on age:

American Family vs. Liberty Mutual: Average Annual Rates by Age
AgeAmerican Family Average Annual RatesLiberty Mutual Average Annual Rates
20$1,931$2,686
30$1,294$1,942
40$1,220$1,926
50$1,009$1,793
60$941$1,746
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As you can see, the average Liberty Mutual insurance quotes are higher than American Family, and rates decrease as drivers age.

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American Family vs. Liberty Mutual: What coverages are available?

Auto insurance companies sell each coverage individually, allowing customers to create their ideal policy. Those looking to buy American Family vs. Liberty Mutual auto insurance will find that the companies have similar coverage options.

Coverages offered by both American Family and Liberty Mutual include:

  • Collision
  • Comprehensive
  • Property damage liability
  • Bodily injury liability
  • Medical expenses
  • Personal injury protection
  • Uninsured/underinsured motorist
  • GAP insurance
  • Rental reimbursement

In addition to the coverages offered by both companies, American Family and Liberty Mutual offer exclusive options. American Family provides accidental death and dismemberment coverage.

Additional coverages provided by Liberty Mutual include:

  • New car replacement
  • Teachers’ auto insurance
  • Mexico auto insurance

When it comes to Liberty Mutual vs. American Family insurance coverages, Liberty Mutual has more options. However, if you only need a standard liability-only policy, American Family could be cheaper. Keep reading to learn which company offers better auto insurance discounts on your rates.

American Family vs. Liberty Mutual: Who offers better auto insurance discounts?

Comparing American Family vs. Liberty Mutual auto insurance company discounts will help you determine the option with the most savings. Depending on which discount you qualify for, you could really reduce your average monthly rates.

Discounts offered by American Family auto insurance include:

  • Good student discounts
  • Multi-policy discounts
  • Multi-vehicle discounts
  • Safety feature discounts
  • Good driver discounts
  • Advanced purchase discounts

Discounts offered by Liberty Mutual include:

  • Good student discounts
  • Multi-policy discounts
  • Multi-vehicle discounts
  • Anti-theft device discounts
  • Anti-lock brakes discounts
  • Good driver discounts
  • Green vehicle discounts
  • Pay in full
  • Homeowner discounts
  • Telematics
  • Military discounts

While American Family and Liberty Mutual offer similar discounts, Liberty Mutual still provides more discount opportunities. However, both companies offer more discounts than their competitors.

American Family vs. Liberty Mutual: Which company has stronger financial and customer ratings?

Credit rating agencies examine and rate auto insurance companies based on financial strength. These financial ratings determine the likelihood that customers will receive a payout when they file a claim.

The American Family Insurance Company has been rated an A by A.M. Best, an A1 by Moody’s, and an A by S&P. These solid ratings determine that American Family will usually provide a payout.

Liberty Mutual has been rated an A by A.M. Best, an A2 by Moody’s, and an A by S&P. These ratings are similar to American Family, indicating that Liberty Mutual will usually provide a payout when you file a claim.

While the two companies have been rated the same by A.M. Best and S&P, Moody’s rates American Family slightly higher than Liberty Mutual.

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) look at complaints made about insurance companies. The organizations have reviewed complaints made about American Family and Liberty Mutual.

At the time of this comparison, the BBB has received 162 complaints about American Family during the last three years. According to the NAIC, the company has a complaint index ratio of 0.11, indicating fewer complaints than the average competitor.

The BBB has received 1,043 complaints about Liberty Mutual in the past three years. The NAIC has provided Liberty Mutual with a complaint index ratio of 2.20, indicating more than double the complaints than their competitors.

These reviews indicate that American Family has greater customer satisfaction than Liberty Mutual.

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American Family vs. Liberty Mutual: Do they provide roadside assistance?

Many auto insurance companies offer roadside assistance to customers. Some companies include this with specific policies, while others provide the service as an add-on.

American Family and Liberty Mutual both offer roadside assistance.

Customers that receive this coverage from American Family or Liberty Mutual will receive support that includes:

  • Towing
  • Gas delivery
  • Tire change
  • Battery service

American Family Insurance roadside assistance is available as an add-on service. Customers can add this coverage to an existing policy for $10 to $20 per year, providing protection should they require a tow truck.

Customers receive Liberty Mutual roadside assistance automatically with collision and comprehensive coverage. Customers without this coverage can obtain roadside assistance through the towing and labor plan.

Although it is a perk to have roadside assistance automatically included with a Liberty Mutual full coverage car insurance, this coverage will increase your American Family or Liberty Mutual auto insurance rates.

American Family vs. Liberty Mutual: Do they have mobile apps?

American Family and Liberty Mutual mobile apps are available on various smartphones and mobile devices. Customers can use these apps to access digital ID cards, make payments, manage policies, and request roadside assistance.

While you can purchase and manage claims online or through their mobile apps, some customers prefer to speak to representatives in person. These apps allow customers to find American Family and Liberty Mutual locations.

American Family vs. Liberty Mutual Auto Insurance: The Bottom Line

American Family has lower rates than Liberty Mutual, making it the best option for those with cost as their primary concern. However, Liberty Mutual provides more coverage options and discount opportunities, which could significantly lower your rates.

While both insurance companies are financially capable of paying claims, American Family car insurance customers are more satisfied with their claims process than Liberty Mutual policyholders. If customer service is important to you, American Family may be the better choice.

Compare more than just American Family vs. Liberty Mutual auto insurance with our free quote comparison tool below. Enter your ZIP code to start comparing auto insurance quotes from providers in your area.

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