American Family vs. Liberty Mutual Auto Insurance (2021)

Read our comparison of American Family vs. Liberty Mutual auto insurance rates based on age, driving record, and credit score. American Family Insurance has lower auto insurance rates for female teen drivers and those with a low credit score, but Liberty Mutual offers a wider variety of discounts than American Family.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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Things to Remember

  • American Family has lower auto insurance rates across the board and has better rates for drivers with a low credit score
  • Both American Family and Liberty Mutual have a strong financial future
  • Liberty Mutual has a very high customer complaint ratio
  • American Family has lower auto insurance rates for female teen drivers
  • Liberty Mutual offers more discounts than American Family

American Family, abbreviated as AmFam, and Liberty Mutual are both reputable companies with stable financial strength. But which is better for you and your personal situation?

When comparing American Family vs. Liberty Mutual, both are on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?

Keep reading to learn more about affordable American Family vs. Liberty Mutual auto insurance, and enter your ZIP code above to start comparing car insurance quotes from providers in your area.

American Family vs. Liberty Mutual Car Insurance: Which is cheaper based on age?

The older we get, the more practice we have with driving. In calculating auto insurance rates, providers use age as one of the most significant variables.

Let’s compare American Family vs. Liberty Mutual auto insurance rates based on age, gender, and marital status.

American Family vs. Liberty Mutual Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusAmerican Family Average Annual RatesLiberty Mutual Average Annual Rates
Single 17-year-old female$5,997$11,621
Single 17-year-old male$8,131$13,719
Single 25-year-old female$2,289$3,960
Single 25-year-old male$2,695$4,503
Married 35-year-old female$2,203$3,803
Married 35-year-old male$2,224$3,857
Married 60-year-old female$1,993$3,445
Married 60-year-old male$2,014$3,681
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American Family auto insurance rates are anywhere from 67%-94% cheaper than Liberty Mutual auto insurance rates across the board. Liberty Mutual rates for female teen drivers are nearly double those of American Family.

American Family Insurance is definitely a better choice than Liberty Mutual if you have a teen driver in your household.

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American Family vs. Liberty Mutual Car Insurance: Which is cheaper based on driving record?

No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance rates.

American Family vs. Liberty Mutual Average Annual Auto Insurance Rates by Driving Record
Driving RecordAmerican Family Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$2,694$4,774
With one speeding violation$3,026$5,701
With one accident$3,723$6,205
With one DUI$4,330$7,613
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Again, American Family is the better choice if you have a bad driving record. Let’s take a closer look at how each company handles the different types of infractions.

American Family considers causing an accident more serious than getting a speeding ticket. American Family rates will increase by 12% if you get a speeding ticket.

If you have a clean driving record and then get into an accident, your rates will increase by 38%.

Liberty Mutual is a little more lenient on drivers who incur an accident on their record. Compared to a driver with a clean record, a driver with a speeding ticket will see their rates increase by 19%, while drivers that cause an accident will see their rates increase by 30%.

Both companies take DUIs equally seriously. Liberty Mutual and American Family rates increase by about 60% if you get a DUI.

American Family vs. Liberty Mutual Car Insurance: Which is cheaper based on credit score?

It is legal for auto insurance providers to base rates on your credit score in most states; however, some have banned this practice along with gender and marital status-dependent rates.

Car insurance companies justify using credit scores to determine rates because people with lower credit scores are statistically more likely to file a claim.

Let’s take a look at how American Family and Liberty Mutual set rates based on your credit score.

American Family vs. Liberty Mutual Average Annual Auto Insurance Rates by Credit Score
Credit History SummaryAmerican Family Average Annual RatesLiberty Mutual Average Annual Rates
Good Credit (670-739)$2,692$4,388
Fair Credit Score (580-669)$3,170$5,604
Poor Credit Score (300-579)$4,468$8,802
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American Family is more lenient than Liberty Mutual on those with fair or poor credit when setting auto insurance rates. Drivers with poor credit will pay twice as much as a driver with good credit with Liberty Mutual.

If you have a credit score on the lower end, American Family is a better option than Liberty Mutual.

Before you judge the rates of these two companies based on credit score alone, learn about your state’s minimum auto insurance requirements and compare rates from several companies.

Does American Family or Liberty Mutual have better auto insurance discounts?

Car insurance discounts will vary widely by company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.

American Family vs. Liberty Mutual Auto Insurance Discounts
DiscountsAmerican Family Discounts Offered (Percentage)Liberty Mutual Discounts Offered (Percentage)
Adaptive Cruise ControlN/A5
Adaptive HeadlightsN/A5
Anti-lock BrakesN/A5
Anti-TheftN/A20
Daytime Running LightsN/A5
Defensive Driver1010
Driver's EdN/A10
Driving Device/App4030
Electronic Stability ControlN/A5
Federal EmployeeN/A10
Forward Collision WarningN/A5
Full PaymentN/A$5
Further EducationN/A10
Good StudentN/A22.5
Green VehicleN/A10
Membership/GroupN/A10
MilitaryN/A4
Multiple PoliciesN/A20
Multiple VehiclesN/A10
New AddressN/A5
New GraduateN/A5
Newly LicensedN/A5
NewlywedsN/A5
OccupationN/A10
Passive Restraint30N/A
Recent RetireesN/A4
Students & AlumniN/A10
Switching ProviderN/A10
Vehicle RecoveryN/A35
VIN EtchingN/A5
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Unfortunately, our data source shows only three discounts offered by American Family: the defensive driver discount, the discount for having airbags, and the discount for using the company’s driving device or app.

However, if you have a vehicle recovery system, you can save 35% with Liberty Mutual, so it really pays to check out all of the discounts every auto insurance company offers.

Auto insurance discounts often target particular categories of drivers, so be sure to ask if there are any extra discounts you may qualify for by calling the American Family or Liberty Mutual insurance phone numbers. If you need to make changes to an existing policy, call the American Family or Liberty Mutual customer service number.

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Does American Family or Liberty Mutual have better auto insurance mobile apps?

In the last decade or so, usage-based auto insurance has become an industry standard, and many of the larger auto insurance companies have a telematics device you can install in your car or an app for your phone that evaluates your driving for a discount.

If you choose the usage-based auto insurance option with Liberty Mutual or American Family, care should be taken in driving safely because your rates may depend on it.

A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Before making adjustments, make sure you understand the different types of auto insurance coverage.

Usually, in both the general app and the driving app, your American Family login or Liberty Mutual login would be the same.

How does American Family vs. Liberty Mutual auto insurance compare in financial strength and customer satisfaction?

It is a major financial commitment to buy auto insurance, so you want to be sure you’re choosing the right company that will have your back when you need it.

Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.

Insight into these factors is provided by the following three agencies:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the American Family claims process and the Liberty Mutual claims process.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.

Let’s take a closer look at ratings from these credible third-party agencies for American Family and Liberty Mutual.

American Family vs. Liberty Mutual Company Ratings
AgenciesAmerican FamilyLiberty Mutual Ratings
AM BestA (Excellent)A (Excellent)
Consumer Reports8988
NAIC Complaint Ratio0.79 (total of 73 complaints)5.95 (total of 222 complaints)
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Both American Family and Liberty Mutual are highly competitive with keeping claims process customer satisfaction high. Additionally, the financial future of both companies is strong.

However, Liberty Mutual has a much higher customer complaint ratio, which means poor quality customer service may be a concern.

Before you buy American Family vs. Liberty Mutual auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.

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