AAA vs. Liberty Mutual Car Insurance (2025)
When it comes to AAA vs Liberty Mutual car insurance, there are a number of factors that need to be considered before you choose one. Customer reviews, discounts offered, and the types of coverage provided should all be looked at so that you can get a better idea of which company will be the best fit.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
UPDATED: Mar 31, 2023
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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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 31, 2023
It’s all about you. We want to help you make the right 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 provider and cannot guarantee quotes from any single provider.
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.
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AAA vs. Liberty Mutual Car Insurance Options
Both AAA and Liberty Mutual offer a range of products and services beyond car insurance, including home insurance, life insurance, and more. In terms of car insurance specifically, both companies offer standard car insurance coverage options such as liability, collision, and comprehensive insurance, as well as additional coverage options like roadside assistance and rental car reimbursement.
When it comes to pricing, the cost of car insurance varies depending on a variety of factors such as your age, driving history, and the type of car you drive.
Average Monthly Auto Insurance Rates AAA vs. Liberty Mutual
| Age & Gender of Driver | AAA Average Monthly Car Insurance Rates | Liberty Mutual Average Monthly Car Insurance Rates |
|---|---|---|
| 16-year-old male with a clean record | 465.18 | 785.31 |
| 16-year-old female with a clean record | 444.67 | 722.50 |
| 18-year-old male with a clean record | 378.23 | 625.59 |
| 18-year-old female with a clean record | 327.85 | 521.90 |
| 25-year-old male with a clean record | 110.44 | 214.58 |
| 25-year-old female with a clean record | 106.54 | 187.34 |
| 30-year-old male with a clean record | 102.71 | 199.56 |
| 30-year-old female with a clean record | 99.08 | 174.23 |
| 45-year-old male with a clean record | 85.52 | 173.72 |
| 45-year-old female with a clean record | 87.51 | 171.05 |
| 55-year-old male with a clean record | 81.12 | 164.76 |
| 55-year-old female with a clean record | 83.00 | 162.23 |
To get an accurate quote, it’s best to contact each company directly or use online quote tools. Both companies offer discounts that can help lower the cost of your car insurance, which we’ll cover in the next section.
Car Insurance Discounts: AAA vs. Liberty Mutual
Not buying car insurance can have consequences, and become more expensive than paying for quality coverage. This is where discounts come in handy. Both AAA and Liberty Mutual offer various discounts to customers to help them save on their car insurance premiums. Let’s take a closer look at the types of discounts available and how you can qualify for them.
AAA Discounts:
- Multi-policy discount: If you have more than one insurance policy with AAA, you can qualify for a multi-policy discount. You can combine your car insurance policy with a home or renters insurance policy, for example, to save on both policies.
- Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you can qualify for a safe driver discount. This discount can vary depending on your state and driving history.
- Good student discount: If you’re a student with good grades you can qualify for a good student discount. The requirements for this discount can vary by state, but typically you need to maintain a certain grade point average to qualify.
- Membership discount: As a member of AAA, you can qualify for a membership discount on your car insurance. The amount of the discount can vary depending on your region.
Liberty Mutual Discounts:
- Multi-policy discount: Like AAA, Liberty Mutual offers a multi-policy discount if you have more than one insurance policy with them. Combining your car insurance policy with a home or renters insurance policy, for example, can help you save on both policies.
- Safe driver discount: Liberty Mutual offers a safe driver discount to customers with a clean driving record. This discount can vary depending on your state and driving history.
- Student away at school discount: If you have a child who is a full-time student living away from home, you can qualify for a discount on your car insurance. This is also different than a good student discount.
- Newly retired discount: If you’re newly retired, you can qualify for a discount on your car insurance with Liberty Mutual.
Customer Reviews: AAA vs. Liberty Mutual
It’s always a good idea to see what other customers are saying about a company before you make a decision. Here’s a summary of customer reviews for both AAA and Liberty Mutual.
AAA Customer Reviews: Overall, customers seem to be happy with the customer service they receive from AAA. Many customers also appreciate the variety of discounts available and the competitive pricing. However, some customers have had issues with claims and long wait times.
Liberty Mutual Customer Reviews: Like AAA, Liberty Mutual receives positive reviews for its customer service and competitive pricing. However, some customers have had issues with claims and billing errors.
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AAA vs. Liberty Mutual: In Conclusion
Overall, it will be up to you which company is the best fit. Buying car insurance comes down to what kind of budget you have and whether or not you want a full-coverage policy or simply whatever your state requires you to purchase.
It’s always a good idea to request a quote from any company you’re interested in so that you can get the most accurate price since what you need will be different from other drivers. This can also be said for both AAA and Liberty Mutual.
Frequently Asked Questions
Does Liberty Mutual offer accident forgiveness?
Yes, Liberty Mutual offers accident forgiveness as an add-on to their car insurance policies.
Can I bundle my car insurance with other policies at AAA?
Yes, you can bundle your car insurance with home or renters insurance policies at AAA to save on both policies.
Does Liberty Mutual offer a mobile app for managing my car insurance policy?
Yes, Liberty Mutual offers a mobile app that allows you to manage your car insurance policy, file claims, and get roadside assistance.
What is the best way to get a quote for car insurance from AAA or Liberty Mutual?
The easiest way to get a quote for car insurance from either company is to visit the website and fill out an online quote form. You can also contact a local agent for assistance.
Does AAA offer roadside assistance?
Yes, AAA offers roadside assistance as part of its membership benefits.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.