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

Liberty Mutual vs. AAA

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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.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
Promoted
 

Liberty Mutual

AAA

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

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
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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Compare up to 4 providers

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