American Family vs. Liberty Mutual: Which Car Insurance Is Cheaper?
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UPDATED: May 20, 2021
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- Both American Family and Liberty Mutual have excellent customer satisfaction and a solid financial future
- Liberty Mutual has an incredibly high customer complaint ratio
- American Family has lower car insurance rates for female teen drivers
- Liberty Mutual offers more discounts than American Family
- American Family has lower car insurance rates across the board and has better rates for drivers with a low credit score
Are you trying to decide between American Family and Liberty Mutual for your car insurance needs?
Both companies are good options based on financial strength, but a specific discount may be what skews your decision. Which company will provide the best and cheapest car insurance for you?
In our American Family vs. Liberty Mutual car insurance guide, we compare rates by age, driving record, and credit score.
We also compare available discounts and ratings from agencies with a credible and trustworthy view of car insurance companies.
Keep reading to compare affordable American Family vs. Liberty Mutual car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Is American Family car insurance or Liberty Mutual car insurance cheaper based on age?
Our confidence and awareness as drivers increase over time as we gain more experience on the roads. This is why age is a significant factor in determining your car insurance rates.
It is legal to use gender and marital status to determine car insurance rates in some states. Take a look at a comparison of American Family insurance rates and Liberty Mutual insurance rates based on age, gender, and marital status.
|Age, Gender, and Marital Status||American Family Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$5,997||$11,621|
|Single 17-year-old male||$8,131||$13,719|
|Single 25-year-old female||$2,289||$3,960|
|Single 25-year-old male||$2,695||$4,503|
|Married 35-year-old female||$2,203||$3,803|
|Married 35-year-old male||$2,224||$3,857|
|Married 60-year-old female||$1,993||$3,445|
|Married 60-year-old male||$2,014||$3,681|
American Family car insurance rates are anywhere from 67% to 94% cheaper than Liberty Mutual car insurance rates across the board. Liberty Mutual rates for female teen drivers is nearly double that of American Family.
American Family is a better choice than Liberty Mutual if you have a teen driver in your household.
Is American Family car insurance or Liberty Mutual car insurance cheaper based on driving record?
If you have a history of traffic violations such as speeding tickets, accidents, or DUIs, your car insurance rates will be high no matter what company you choose. Still, certain companies offer discounts for taking driving courses depending on the state.
|Driving Record||American Family Average Annual Rates||Liberty Mutual Average Annual Rates|
|With one speeding violation||$3,026||$5,701|
|With one accident||$3,723||$6,205|
|With one DUI||$4,330||$7,613|
Again, American Family is the better choice if you have a bad driving record. But let’s take a closer look at how each company handles different infractions.
American Family does take more seriously causing an accident than getting a speeding ticket. American Family rates for having one speeding ticket will increase by 12%.
But if you have an accident on your record, as compared to a driver with a clean record, rates will increase 38%. Liberty Mutual is a little more lenient on drivers who incur an accident on their record.
Compared to a driver with a clean record, a driver with a speeding ticket will increase by 19%. However, for drivers that cause an accident, their rates increase by 30% compared to a driver with a clean record.
Both companies, however, take DUIs very and equally seriously. Liberty Mutual and American Family rates increase by about 60% if you get a DUI.
Is American Family car insurance or Liberty Mutual car insurance cheaper based on credit score?
Going through a divorce or medical problems can plummet your credit score in a matter of months.
Car insurance companies factor in your credit score when determining your car insurance rates because the numbers show that drivers with higher credit scores are less likely to file a claim and, therefore, are better drivers.
If you think this is unfair, you aren’t the only one. Several states have outlawed rates based on credit score, gender, and marital status. Let’s look at how American Family and Liberty Mutual handle drivers with low credit scores.
|Credit History Summary||American Family Average Annual Rates||Liberty Mutual Average Annual Rates|
|Good Credit (670-739)||$2,692||$4,388|
|Fair Credit Score (580-669)||$3,170||$5,604|
|Poor Credit Score (300-579)||$4,468||$8,802|
American Family is more lenient than Liberty Mutual on those with fair or poor credit when determining car insurance rates. Drivers with poor credit will pay twice as much as a driver with good credit with Liberty Mutual.
If you have a credit score on the lower end, American Family is a better option than Liberty Mutual.
State laws regarding car insurance fall on a broad spectrum; for example, drivers in Michigan pay some of the highest rates in the country because their state requires them to turn to their own insurance company no matter who is at fault.
You may live in a state where basing car insurance on credit score is illegal. Be sure to check out our car insurance by state page before judging American Family vs. Liberty Mutual car insurance rates based on credit score alone.
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Does American Family or Liberty Mutual have better car insurance discounts?
If you have a bad driving record or a poor credit score, you will want to take advantage of the best discounts from the best companies.
There are some strange discounts out there, and it all depends on what a company values most.
Unfortunately, our data source shows only three discounts offered by American Family: defensive driver, airbags, and using their driving device or app.
|Discounts||American Family||Liberty Mutual|
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||N/A||5|
|Electronic Stability Control||N/A||5|
|Forward Collision Warning||N/A||5|
|Students & Alumni||N/A||10|
But if you have a vehicle recovery system, you can save 35% with Liberty Mutual. So it pays to check out all of the discounts every company offers.
Does American Family or Liberty Mutual have better car insurance mobile apps?
Mobile and usage-based apps are a significant factor in choosing between American Family vs. Liberty Mutual car insurance companies. Most of the larger companies offer both a driving app and a general mobile app.
The driving app may use your phone’s mechanisms, or the company may require you to install a device in your car. This is called usage-based car insurance, and it has become an individualized trend in the last decade or so.
A general mobile app offered by a car insurance company would allow you to pay your bill, change your coverage levels, or provide electronic insurance verification if pulled over.
How do American Family and Liberty Mutual car insurance compare in financial strength and customer satisfaction?
Getting the lowest possible car insurance rates is great, especially if you get to take advantage of a discount that fits your situation.
Just as important as discounts is a company’s financial strength, customer satisfaction with the claims process, and customer complaints.
The following three agencies provide insight on Liberty Mutual vs. American Family ratings:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints.
In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
|Agencies||American Family||Liberty Mutual Ratings|
|AM Best||A (Excellent)||A (Excellent)|
|NAIC Complaint Ratio||0.79 (total of 73 complaints)||5.95 (total of 222 complaints)|
Both American Family and Liberty Mutual are highly competitive, keeping claims process customer satisfaction high. Additionally, the financial future of both companies is substantial.
However, Liberty Mutual has a much higher customer complaint ratio. Before choosing Liberty Mutual, be sure to get more details on the NAIC website.
Before you buy American Family vs. Liberty Mutual car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
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