Liberty Mutual vs. American Family: Which provider is better?

Liberty Mutual vs. American Family: Which provider is better?

Liberty Mutual vs. American Family

Having a hard time deciding between Liberty Mutual and American Family Insurance?

Liberty Mutual has been providing insurance to drivers since 1912. And the company offers a host of benefits, including roadside assistance and accident forgiveness. Unlike Liberty, American Family might not be a household name, but it aims to gain the trust of their customers through top-notch customer service and protection.

Both companies provide ways to cut costs through discounts, like Liberty’s pay in full discount and American Family’s air bag discount. So, which one should you choose? Take a look at our side-by-side comparison below and get the facts you need to make your decision.

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Liberty MutualLiberty MutualAmerican FamilyAmerican Family
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.For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
PricePolicy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States servedAll 50 states19
User satisfaction*A+B+
J.D. Power ratings**2/5 on overall claims satisfaction4/5 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 MutualAmerican FamilyAmerican Family
Good studentVaries (under 25, B average or higher)Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driverNo5-10% (55+, completed defensive driving course)
Good driverNoYes
Pay in full discountYesNo
Multi carYesYes
MilitaryNoNo
HomeownerNoNo
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
  • Loyalty discount Early-bird discount
  • Steer into Savings discount
  • Low mileage discount – Drive less than 7,500 miles per year
  • Teen Safe Driver discount – Enroll teen in free program
  • Young volunteer discount – Under 25, 40+ hours per year volunteering for non-profit
  • Generational discount – 18-24 with a parent who is an American Family customer
  • KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)

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Vehicle discounts

Liberty MutualLiberty MutualAmerican FamilyAmerican Family
Anti-theft deviceYesNo
Anti-lock brakeYesNo
Passive restraintsNoNo
Air bagNoYes
Other discounts

  • Hybrid vehicle discount
  • Adaptive cruise control Lane departure warning
  • Collision preparation systems

 

  • Auto safety equipment – 10-30%

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Bottom line

If you live in one of the 19 states American Family services, its 4 out of 5 rating from J.D. Power makes it a solid choice. But, as always, keep your personal situation in mind when comparing the two, and you’ll come out on top.

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