120+ more)
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
AAA and Liberty Mutual are both well-known names in the insurance industry, but they operate at different scales. Liberty Mutual is one of the largest auto insurers, accounting for 3.27% of the U.S. car insurance market share. In comparison, AAA operates on a smaller scale through its regional network of auto clubs, holding a 1.8% market share.[1]
Liberty Mutual has a quality mobile app and ample coverage options, but it tends to charge above-average rates. AAA offers 24/7 roadside assistance and unique member perks, but it has fewer online tools.
Here’s what you should know about how AAA and Liberty Mutual stack up when it comes to car insurance rates, coverage, discounts, and claims satisfaction.
Both auto insurance companies offer telematics programs that allow safe drivers to save on insurance premiums.
Liberty Mutual and AAA both earned A (Excellent) financial strength ratings from AM Best.
AAA earned a higher customer satisfaction ranking from J.D. Power, while Liberty Mutual earned a slightly higher claims satisfaction ranking.
Both AAA and Liberty Mutual offer reliable coverage, but they have different standout features.
AAA is a a good choice thanks to its membership perks, travel discounts, and generous roadside assistance program. It’s also the better pick for drivers who can take advantage of multiple discounts to lower their costs.
Choose Liberty Mutual if you prefer broad coverage options, a well-rated mobile app, and nationwide availability. Liberty Mutual’s rates are typically higher, but it has desirable coverage flexibility and strong digital tools.
Ultimately, the best insurer for you depends on your driving habits and budget, so it’s important to compare insurance quotes before deciding.
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $169/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $180/mo* |
Overall rating 4.5 | Overall rating 3.4 |
Value for money 4.3/5 | Value for money 3.0/5 |
Customer service 4.3/5 | Customer service 3.3/5 |
Claims handling 4.4/5 | Claims handling 3.5/5 |
Special highlight AAA membersAI-generated from 485 user reviews | Special highlight Numerous discountsAI-generated from 1856 user reviews |
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $141/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $197/mo |
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AAA offers a well-known roadside assistance program that’s more comprehensive than Liberty Mutual’s insurance add-on. While Liberty Mutual offers broader coverage options, AAA may appeal to drivers who value its membership perks, travel discounts, and reliable emergency services.
But insurance coverage varies by region, which can make it difficult to find information about coverage.
Has two telematics programs
Offers additional benefits for members
Generous roadside assistance program
AAA roadside assistance is only for members
Coverage options aren’t as robust as other insurers
Website can be confusing
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $152/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $208/mo |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Liberty Mutual offers a wider range of coverage options and local insurance agents, making it a more suitable choice for drivers seeking flexibility. It’s easy to manage your car insurance policy and file a claim using the comprehensive mobile app. But Liberty Mutual has higher average rates and mixed customer reviews.
Wide variety of coverage options
Robust mobile app available
Network of local agents
Higher-than-average rates
Mixed customer reviews
Doesn’t offer rideshare coverage
Car insurance rates can vary widely depending on your policy limits, deductible, driving history, and age.[2] That said, Liberty Mutual has higher average rates than AAA.
The table below displays the average monthly costs for various driver types, categorized by age, coverage options, driving record, and credit history. All provided quotes reflect average monthly liability insurance quotes unless otherwise specified.
Driver Type  | AAA | Liberty Mutual |
|---|---|---|
| Adult drivers | $148 | $167 |
| Liability-only coverage | $141 | $152 |
| Full coverage | $197 | $208 |
| Drivers with a speeding ticket | $190 | $196 |
| Drivers with a DUI | $208 | $225 |
| Drivers with an at-fault accident | $220 | $203 |
| Drivers with poor credit | $157 | $175 |
| Drivers with good credit | $121 | $113 |
| Teen drivers | $220 | $260 |
| Senior drivers | $102 | $123 |
Liability quotes start at $44/mo.
Both AAA and Liberty Mutual offer many of the same car insurance discounts, with a few variations. Liberty Mutual has a few more, offering 13 discounts, including a homeowner discount.[3] AAA has 10 car insurance discounts, including a loyalty discount.[4]
Many of their discounts overlap, and both insurers reward customers for loyalty and multi-policy savings. These bundling deals can help you save more when you combine your auto coverage with other insurance products, like renters insurance, life insurance, or home insurance policies.
See how discount offerings from AAA and Liberty Mutual compare. It’s worth noting that discount availability may vary by state or region.
Discount | AAA | Liberty Mutual |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✖ |
| New car | ✔ | ✖ |
| Military/affiliation | ✖ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✖ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✖ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✔ |
Both AAA and Liberty Mutual earn high financial strength ratings and low Better Business Bureau (BBB) customer review ratings. AAA has a higher customer satisfaction ranking in the J.D. Power 2025 U.S. Auto Insurance Study and a lower number of complaints filed with the National Association of Insurance Commissioners (NAIC).
You can compare customer satisfaction and financial strength in the table below.
Score | AAA | Liberty Mutual |
|---|---|---|
| IQ Score | 8.5 | 7.7 |
| Customer reviews | 4.5/5 (2,312 reviews) | 3.4/5 (3,410 reviews) |
| J.D. Power | 664/1,000 (above average) | 617/1,000 (below average) |
| AM Best rating | A (Excellent) | A (Excellent) |
| NAIC complaint index | 1.04 | 4.21 |
| BBB customer reviews | 1.22 out of 5 stars | 1.08 out of 5 stars |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Reading what real AAA policyholders have to say about their experiences can help you find the best policy. The reviews below come from verified customers who’ve shared honest feedback about AAA’s coverage, pricing, and customer service.
It’s helpful to learn how an insurer’s customers feel about its coverage and customer service. Read verified reviews from policyholders who’ve shared their experiences with the company’s claims process, rates, and support below.
Telematics programs can reward you with lower premiums based on your actual driving habits. Programs from AAA (AAADrive and OnBoard) and Liberty Mutual (RightTrack) both use mobile technology to monitor driving behaviors, including speed, braking, and phone use. But the programs have slightly different policy features and savings potential.
All three telematics programs offer worthwhile discount potential and utilize your smartphone, rather than a plug-in device, to track driving behavior. Liberty Mutual is the more accessible option for drivers, as it offers RightTrack in many more states than AAA.
While telematics car insurance programs track several driving behaviors, such as braking and acceleration, pay-per-mile insurance programs only track your mileage. The fewer miles you drive, the more you can save on your car insurance premium with pay-per-mile coverage.
Below, you can see how the telematics programs from AAA and Liberty Mutual compare.
Feature | AAADrive | AAA OnBoard | Liberty Mutual RightTrack |
|---|---|---|---|
| Best for | Drivers in the Midwest and Southeast | Drivers who plan to continue using AAA upon renewal | Drivers who enjoy app engagement and gamified feedback |
| Savings potential | Up to 25% on renewal (including 5%–10% for enrolling and participating) | Up to 40% on next renewal | Up to 30% on renewal (including 10%–15% for signing up) |
| How it works | Uses a mobile app and your phone’s location tracking and sensors to track driving and phone habits | Uses a mobile app and your phone’s location tracking and sensors to track driving and phone habits | Uses a mobile app to track driving habits such as hard braking, phone usage, time of day, and speed for 90 days |
| Availability | 9 states (depends on the auto club) | 15 states (depends on the auto club) | 38 states (limited availability) |
| Data tracked | Mobile phone distraction, smooth driving, speed, driver fatigue, and time of day | Distracted driving, high-risk drive times, trip regularity, hard braking, and speeding | Hard braking, phone usage, time of day, and speed |
| App rating (App Store/Google Play) | 4.3/5 stars 2.3/5 stars | 4.8/5 stars 4.8/5 stars | 4.8/5 stars 4.6/5 stars |
| Driver feedback tools | Driver score and real-time driver feedback | Driver score | Real-time trip scoring and feedback |
| Gamified rewards | ✖ | ✖ | ✖ |
| Compatibility | Apple and Android devices | Apple and Android devices | Apple and Android devices |
Insurify partners with 120+ insurers for real quotes
AAA and Liberty Mutual have similar coverage offerings, but Liberty Mutual has more add-ons, such as teachers’ auto insurance. It’s a bit hard to pin down all of AAA’s coverage online, as the company sells coverage through several regional clubs.
Below, you can view a comparison of the two companies’ key auto insurance coverages.
Coverage | AAA | Liberty Mutual |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Uninsured/underinsured motorist coverage (UM/UIM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| New car replacement | ✔ | ✔ |
| Teachers auto insurance | ✖ | ✔ |
| Classic car | ✖ | ✔ |
The following information can help answer your remaining questions about car insurance from AAA and Liberty Mutual.
Liberty Mutual car insurance costs more on average than AAA across different driving profiles, but Liberty Mutual advertises a few more discounts than AAA. Drivers with coverage from AAA pay an average of $141 per month for liability insurance and $197 per month for full coverage, according to Insurify data.
For comparison, Liberty Mutual customers pay an average of $152 per month for liability insurance and $208 for full-coverage insurance.
Both companies have good reputations and high financial strength ratings. But their customer satisfaction scores vary. AAA companies ranked higher in J.D. Power’s 2025 U.S. Auto Insurance Study, while Liberty Mutual earned a slightly higher ranking in the 2025 U.S. Auto Claims Satisfaction Study.
Because AAA sells insurance through several different regional clubs, navigating its website can be a bit confusing. Some coverage and discount availability may vary by location and regional club. Some drivers prefer an insurer with nationwide availability and more consistent coverage offerings, such as Liberty Mutual.
COUNTRY Financial offers the cheapest liability insurance in the U.S., with an average monthly cost of $44 for a liability policy. But no single insurance company offers the cheapest coverage for all drivers, since premiums vary based on your location, age, and driving record. It’s smart to shop around and compare quotes from multiple insurers, like USAA, State Farm, GEICO, and Allstate.
AAA offers a more comprehensive roadside assistance program than the add-on service available through Liberty Mutual. AAA roadside assistance includes towing, jump-starts, flat-tire changes, lockout assistance, and minor auto repair services.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
)
