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

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

Liberty Mutual vs. AAA

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.

Liberty MutualLiberty MutualAAAAAA
AboutFormed in 1912, Liberty Mutual is committed to delivering insurance at a competitive rate. Taking pride in operating with immense integrity, the diversified global insurer makes an effort to go above and beyond for its members.AAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands on customer service.
PricePolicy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*A+N/A
J.D. Power ratings**2/5 on overall claims satisfaction2/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Liberty MutualLiberty MutualAAAAAA
Good studentVaries (under 25, B average or higher)Yes
Defensive driverNoYes
Good driverNoNo
Pay in full discountYesYes
Multi carYesYes
MilitaryNoNo
HomeownerNoYes
Other discounts
  • Preferred payment methods discount – Pay in full or automatic payments
  • New to Liberty Mutual Vehicle discount
  • Teen driver discount
  • New graduate discount
  • Newly married discount
  • Newly moved discount
  • Newly retired discount
  • Low annual mileage
  • Purchase in advanced

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Vehicle discounts

Liberty MutualLiberty MutualAAAAAA
Anti-theft deviceYesYes
Anti-lock brakeYesNo
Passive restraintsNoN/A
Air bagNoYes
Other discounts
  • Hybrid vehicle discount
  • Adaptive cruise control
  • Lane departure warning
  • Collision preparation systems
  • New vehicle discount

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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.

Compare all car insurance companies at once

Compare 7+ car insurance companies. Enter your zip code below and click ‘Compare Now’ to begin.

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