American Family vs. Liberty Mutual: Pros & Cons (2021)

When comparing American Family vs. Liberty Mutual for the best rates, American Family is the front runner. While both American Family Insurance and Liberty Mutual Insurance hold high A.M. Best ratings, Liberty Mutual rates higher with an A rather than an A-. Getting to know the discounts available, rates by age, and how your driving record will affect prices when looking at American Family vs. Liberty Mutual will help you make an informed decision and possibly save you some money.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Rates from American Family Insurance and Liberty Mutual can vary drastically
  • Your age, credit score, driving record, and more will play a role in how much you pay for auto insurance
  • Discounts can greatly impact your final rates with both American Family and Liberty Mutual
  • American Family and Liberty Mutual both offer more than just auto insurance to their customers

When looking at American Family vs. Liberty Mutual auto insurance, there are a variety of aspects to consider. Some people are looking for the most affordable rates, while others may require several different types of insurance policies.

Regardless of your situation, American Family Insurance and Liberty Mutual have something to offer. Getting to know a company’s options and figuring out your rates for auto insurance can save you a lot of money in the long run.

By checking out the American Family auto insurance review or reviewing what consumers say about Liberty Mutual, you gain a lot of knowledge. Knowing your options as well as a bit about the company leads to informed decisions and confidence that your insurance provider is there for you.

Your age, driving record, and credit score are a few of the important factors that affect your rates. While rates are important, so is customer satisfaction. Knowing your auto insurance company stands behind you and streamlines the claims process may make paying a bit more acceptable.

Maybe you need to call Liberty Mutual customer service and ask, “What are the different types of auto insurance claims?” Getting a true clear answer rather than a guess will encourage a trusting relationship. Additionally, good communication will make it easy to reach out if need be.

Maybe finding affordable American Family or Liberty Mutual auto insurance isn’t working out. If not, enter your ZIP code now to compare rates from top auto insurance companies.

What are the average rates for American Family vs. Liberty Mutual?

Standard rates don’t apply as frequently as you may think. This is due to the fact that factors like age, driving record, and credit score all play a role in your personal rate. Auto insurance rates vary significantly from person to person.

Age is a major factor in how much you will end up paying for your auto insurance. Let’s take a look at how American Family vs. Liberty Mutual rates compare for a variety of age groups.

Age GroupAmerican Family Average RateLiberty Mutual Average Rate
16-19 Years Old$3,810$6,559
20-29 Years Old$1,685$2,686
30-39 Years Old$1,685$1,942
40-49 Years Old$1,089$1,926
50-59 Years Old$1,089$1,793
60-69 Years Old$986$1,746
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As you can see, regardless of age, Liberty Mutual is going to cost you more money. This does not mean they are inferior to American Family Insurance. Each company calculates the risk it will be to insure a driver. The way Liberty Mutual factors this out equals higher rates.

However, they do offer some great discounts that can save you a lot of money. this could have you choosing Liberty Mutual as your new auto insurance provider.

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What discounts are available when looking at American Family vs. Liberty Mutual?

Learning how to take advantage of auto insurance discounts can play a key part in how much your final rate will be. It is surprising the different types of discounts that are available. Some will be the same when looking at American Family vs. Liberty Mutual. However, some will be quite different.

Stacking discounts can impact your rates dramatically. Moving all of your policies to one insurance company is sure to save you money. Additionally, there are a plethora of other items that can help you in the realm of discounts.

Let’s take a look at the different discounts that are offered in the debate of American Family vs. Liberty Mutual.

Discounts offered by American Family Insurance

  • Good Student
  • Multi-policy
  • Multi-Vehicle
  • Air Bags
  • Good Driver
  • Defensive Driver
  • Student Away at School
  • Advanced Purchase
  • Know Your Drive
  • Low Mileage
  • Loyalty
  • Generational
  • Auto-pay
  • Paperless

Discounts offered by Liberty Mutual Insurance

  • Good Student
  • Multi-policy
  • Multi-vehicle
  • Anti-theft Devices
  • Anti-lock Brake System
  • Good Driver
  • Student Away at School
  • Green Vehicle
  • Advanced Purchase
  • Paid in Full
  • Home Owner
  • Auto-pay
  • Military

Both companies offer a decent number of discounts but, as you can see, Liberty Mutual offers more. So, while their rates based on age group may be higher, their improved list of discounts could end up saving you more.

How does my driving record affect rates when looking at American Family vs. Liberty Mutual?

Most people realize that their driving record is going to impact their auto insurance rates. However, negative marks are going to affect your rates differently depending on what auto insurance company you decide to go with.

When looking at American Family vs. Liberty Mutual auto insurance, each company assigns different risk levels depending on the violation. A speeding ticket can be looked at for up to 3 years but it won’t go against you in quite the same way as an at-fault accident.

Let’s take a look at the rate comparison between American Family Insurance and Liberty Mutual Insurance based on different driving record scenarios.

ViolationAmerican Family Average RateLiberty Mutual Average Rate
At-fault Accident - Less than $1000 in damages.$990$2,112
At-fault Accident - more than $1000 in damage$1,763$2,776
One DUI/DWI$1,857$4,182
Reckless Driving Ticket$1,857$3,459
One Speeding Ticket$1,270$2,068
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As you can see, if you have negative marks on your driving record, Liberty Mutual is going to cost you quite a lot more. So, you’re searching for affordable car insurance with a few driving record issues, American Family is likely going to be the best option.

What other insurance products are offered by American Family and Liberty Mutual Insurance?

We frequently think about getting new quotes on our auto insurance so that we can save money. However, most people don’t think about the fact that they could be saving money on all their other types of insurance as well.

American Family cares about multiple areas of your life, and likely, they have an insurance policy to help you cover it. Likewise, you can call the Liberty Mutual phone number and get answers about a variety of different insurance options.

Let’s take a quick look at the different types of insurance policies you can secure with each one of these companies.

Insurance Products OfferedAmerican FamilyLiberty Mutual
RentersYesYes
BoatYesYes
RVYesYes
ATVYesYes
FarmYesYes
BusinessYesYes
TravelYesYes
FloodYesYes
HealthYesYes
PetNoYes
Mobile HomeYesYes
MotorcycleYesYes
Travel TrailerNoYes
Home OwnersYesYes
LifeYesYes
CondoYesYes
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Liberty Mutual offers a few more insurance varieties, making them a better fit for some lifestyles. However, American family does offer a decent amount of coverage that will meet most people’s needs.

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Who has better customer satisfaction when comparing American Family vs. Liberty Mutual?

Rates definitely play a role in which company you choose to go with. However, customer satisfaction will also need to be considered. Each company will have its own set of perks that you may require to keep your life simple.

While American Family is typically more affordable, Liberty Mutual offers higher customer satisfaction ratings. Both companies are excellent insurance providers and can help you find the coverage you need.

J.D. Power rates both companies as a 4.1 in customer satisfaction. However, when you really start to dig into customer reviews, Liberty Mutual shines a bit brighter than American Family.

Customer satisfaction is based on a number of things including online access, customer service, the claims process, and more. These items can greatly impact how you feel about your auto insurance provider.

If you prefer to make changes or look at your policy online, both companies provide you access. If you go with Liberty Mutual you will simply enter your Liberty Mutual login and password to gain access to all your insurance policy information. Likewise, you can do this with American Family.

Maybe you don’t want to buy American Family or Liberty Mutual auto insurance. If this is the case, enter your ZIP code and compare rates from other top insurance companies today.

References:

  1. https://www.jdpower.com/business/press-releases/2020-us-auto-insurance-study

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