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Liberty Mutual vs. AAA: Which provider is right for you?

Liberty Mutual vs. AAA

Roslyn McKenna
Roslyn McKenna

Updated

Fact checked

Liberty Mutual and AAA are well-known companies, but not everyone realizes AAA also provides car insurance, not just roadside assistance and travel discounts.

Liberty Mutual makes the process of purchasing car insurance understandable and easy. The website includes ways to get quotes, check coverage mandates by state, and even help identify what exactly you need from your car insurance. They get an A+ from the Better Business Bureau and provide discounts, making car insurance more affordable.

You’ll need a membership to get coverage through AAA, which adds to the cost of your insurance. But with that membership come perks like travel planning, home lockout service, entertainment discounts and more.

If you’re trying to decide between Liberty Mutual and AAA, check out our comprehensive comparison below to get the info you need to make your decision.

Our top pick: Liberty Mutual

Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

  • Get coverage with new car replacement or a lowering deductible fund
  • Access convenient online tools for claims or coverage updates
  • Rewards safe driving with low rates and accident forgiveness
Get a quote
Read review
Promoted
 

Liberty Mutual

Go to site
Read review

AAA

Read review

OVERVIEW

 OVERVIEW
About the provider
About the brand Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button. Member benefits extend beyond car insurance to offer discounts, bike coverage and more.
States served
States served All 50 states All 50 states

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods Online
Phone
 online
email
phone
Payment schedule
Payment schedule 12 months
monthly
 12 months
6 months
monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes, up to 37%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes, up 27%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes, up to 14%
Usage based discount
Usage based discount Yes No
Learn more
Learn more
Go to site
Read review
Read review

Bottom line

If you want the benefits that come with a AAA membership, getting car insurance through AAA might be a good choice for you. But if your only concern is cost, you might come out ahead with Liberty Mutual. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Liberty Mutual and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Get quotes
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
Esurance
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Get quotes
More Info
Metromile
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Get quotes
More Info
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Compare up to 4 providers

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