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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Apr 29, 2021

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Just the Basics

  • Both American Family and Liberty Mutual have great customer satisfaction and a strong 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.

In our American Family vs. Liberty Mutual car insurance guide, we compare rates by age, driving record, credit score, and the other factors that affect the cost of car insurance.

We also compare available discounts along with Liberty Mutual and American Family insurance ratings from agencies with a credible and trustworthy view of car insurance companies.

Continue reading to compare American Family vs. Liberty Mutual car insurance, or enter your ZIP code to find affordable car insurance rates in your area by comparing auto insurance quotes from local companies.

American Family vs. Liberty Mutual Car Insurance: Which is cheaper based on age?

The older we get, the more practice we have while driving. In calculating car insurance rates, providers use age as one of the most significant variables.

Let’s compare car insurance rates for American Family vs. Liberty Mutual based on age, gender, and marital status.

American Family vs. Liberty Mutual Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmerican Family Average Annual RatesLiberty 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
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American Family car insurance rates are anywhere from 67%-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 Insurance is definitely a better choice than Liberty Mutual if you have a teen driver in your household.

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American Family vs. Liberty Mutual Car Insurance: Which is cheaper based on driving record?

No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your car insurance premiums.

American Family vs. Liberty Mutual Average Annual Car Insurance Rates by Driving Record
Driving RecordAmerican Family Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$2,694$4,774
With one speeding violation$3,026$5,701
With one accident$3,723$6,205
With one DUI$4,330$7,613
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Again, American Family is the better choice if you have a bad driving record. let’s take a closer look at how each company handles the different types of infractions.

American Family does consider causing an accident more serious than getting a speeding ticket. American Family rates for having one speeding ticket will increase by 12%.

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% in comparison to a driver with a clean record.

Both companies take DUIs equally seriously. Liberty Mutual and American Family rates increase by about 60% if you get a DUI.

American Family vs. Liberty Mutual Car Insurance: Which is cheaper based on credit score?

It is legal for car insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status-dependent rates.

Car insurance companies justify using credit scores to determine rates because people with lower credit scores are more statistically more likely to file a claim.

Let’s take a look at how American Family and Liberty Mutual consider your rates based on your credit score.

American Family vs. Liberty Mutual Average Annual Car Insurance Rates by Credit Score
Credit History SummaryAmerican Family Average Annual RatesLiberty 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
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American Family is more lenient than Liberty Mutual on those with fair or poor credit when it comes to 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.

Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from several companies.

Does American Family or Liberty Mutual have better car insurance discounts?

Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.

American Family vs. Liberty Mutual Car Insurance Discounts
DiscountsAmerican Family Discounts Offered (Percentage)Liberty Mutual Discounts Offered (Percentage)
Adaptive Cruise ControlN/A5
Adaptive HeadlightsN/A5
Anti-lock BrakesN/A5
Anti-TheftN/A20
Daytime Running LightsN/A5
Defensive Driver1010
Driver's EdN/A10
Driving Device/App4030
Electronic Stability ControlN/A5
Federal EmployeeN/A10
Forward Collision WarningN/A5
Full PaymentN/A$5
Further EducationN/A10
Good StudentN/A22.5
Green VehicleN/A10
Membership/GroupN/A10
MilitaryN/A4
Multiple PoliciesN/A20
Multiple VehiclesN/A10
New AddressN/A5
New GraduateN/A5
Newly LicensedN/A5
NewlywedsN/A5
OccupationN/A10
Passive Restraint30N/A
Recent RetireesN/A4
Students & AlumniN/A10
Switching ProviderN/A10
Vehicle RecoveryN/A35
VIN EtchingN/A5
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Unfortunately, our data source shows only three discounts offered by American Family: defensive driver, airbags, and using their driving device or app.

However, if you have a vehicle recovery system, you can save 35% with Liberty Mutual, so it really pays to check out all of the discounts every car insurance company offers.

The car insurance discounts offered by providers also target particular categories of drivers, so be sure to inquire if there are any extra discounts you may qualify for by calling American Family or Liberty Mutual customer service at the American Family or Liberty Mutual phone number.

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Does American Family or Liberty Mutual have better car insurance mobile apps?

In the last decade or so, usage-based car insurance has become an individualized standard, and many of the larger car insurance providers have a driving app you can install into your car or use telematic mechanisms in your smartphone.

If you choose the usage-based car insurance option with Liberty Mutual or American Family, care should be taken in driving safely because your rates may depend on it.

A more general app is also offered by major car insurance providers to allow you to access your policy, make adjustments, and pay your bill. Before making adjustments, make sure you understand the different types of car insurance coverage.

Usually, in both the general app and the driving app, your American Family login or Liberty Mutual login would be the same.

How do American Family and Liberty Mutual car insurance compare in financial strength and customer satisfaction?

It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.

Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.

Insight into these factors is provided by the following three agencies:

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 American Family claims process and the Liberty Mutual claims process. 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.

Let’s take a closer look at ratings from these credible third-party agencies for American Family and Liberty Mutual.

American Family vs. Liberty Mutual Company Ratings
AgenciesAmerican FamilyLiberty Mutual Ratings
AM BestA (Excellent)A (Excellent)
Consumer Reports8988
NAIC Complaint Ratio0.79 (total of 73 complaints)5.95 (total of 222 complaints)
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Both American Family and Liberty Mutual are highly competitive keeping claims process customer satisfaction high. Additionally, the financial future of both companies is strong. However, Liberty Mutual has a much higher customer complaint ratio.

Ready to buy car insurance? Whether you’re choosing between American Family vs. Liberty Mutual or another company, you can always use our FREE comparison tool to compare car insurance quotes from local companies near you to make the decision easier.