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

Liberty Mutual vs. AAA

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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.

Liberty Mutual

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AAA

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OVERVIEW

 OVERVIEW
About the provider
About the brand Earn free accident forgiveness after five years claims-free and customize your policy anytime. Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming.
States served
States served All 50 states & DC
 Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming

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 Yes
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
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
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Read review
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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. 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 Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Get quotes
More Info
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
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
Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
More Info
USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Get quotes
More Info
Branch
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
Get quotes
More Info
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