Compare Liberty Mutual vs. American Family car insurance | finder.com

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

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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.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Car insurance through Liberty Mutual will give coverage options for almost any situation.

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

Liberty Mutual

American Family

American Family

About the provider Formed 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.
Price Policy 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 served All 50 states 19
User satisfaction* A+ B+
J.D. Power ratings** 2/5 on overall claims satisfaction 4/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

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


Driver discounts

Liberty Mutual

Liberty Mutual

American Family

American Family

Good student Varies (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 driver 5-10% (55+, completed defensive driving course)
Good driver
Pay in full discount
Multicar
Military
Homeowner
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)


Vehicle discounts

Liberty Mutual

Liberty Mutual

American Family

American Family

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts Hybrid vehicle discount

Adaptive cruise control Lane departure warning

Collision preparation systems

Auto safety equipment – 10-30%

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. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Liberty Mutual and American Family

Name Product Roadside assistance New car protection Available states
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 2 years old
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

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