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

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.

	Go to site Read review	Go to site 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. For drivers in AK, AZ, CA, MT, NV, UT and WY.
States served
States served	All 50 states	AK, AZ, CA, MT, NV, UT and WY
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	Go to site 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