AAA vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

AAA VS Liberty Mutual
85
82
What is this?
User Ratings
OptionsAAA Liberty Mutual
Rating/Reviews
411 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Liberty Mutual
Call Center RepresentativeThe restAbout average
Insurer WebsiteThe restBetter than most
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageBetter than most
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Liberty Mutual
Claim ServicingAbout averageThe rest
Estimation ProcessThe restThe rest
First Notice of Loss (FNOL)The restAbout average
Overall SatisfactionAbout averageThe rest
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostAbout average
SettlementAbout averageThe rest
J.D. Power Ratings by Region (out of 1000)
RegionAAA Liberty Mutual
California840 pt
Better than most
816 pt
About average
Central833 pt
Better than most
806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic--801 pt
The rest
New England--809 pt
About average
New York--818 pt
About average
North Central808 pt
The rest
812 pt
The rest
Northwest--807 pt
About average
Southeast--814 pt
The rest
Southwest--811 pt
About average
Texas821 pt
About average
807 pt
The rest
Mobile App Ratings
RegionAAA Liberty Mutual
Android
24,330 Reviews
2,531 Reviews
iOS
737 Reviews
12,900 Reviews
Financial Ratings
OptionsAAA Liberty Mutual
A.M. BestAA
Fitch--A-
Moody's--A2
Standard & Poor's--A

Quotes & Discounts

Discount typeAAA Liberty Mutual
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Varies
teenSMARTUp to 24%Varies
Good DriverUp to 20%--
Anti-Theft DeviceUp to 17%Up to 25%
Good StudentUp to 14.5%Up to 22%
Multiple VehicleUp to 12.5%Up to 5%
Multiple PolicyUp to 11.8%Varies
Advance shopperUp to 10%Up to 45%
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVaries--
Anti-lock BrakeVariesVaries
Driving trainingVariesUp to 30%
Home OwnerVariesVaries
Low MileageVaries--
Original OwnerVaries--
Accident Free--Varies
Accident Prevention Course--Varies
ByMile--Varies
Claims Free Renewal--Varies
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Military--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--Varies
Paperless documents--Varies
Passive Restraint--Up to 20%
Policy Update/Extension--Varies
Preferred payment--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Senior Adult--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%

Payment Methods

Discount typeAAA Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Mobile App Payments
--yes
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
--yes
Prepayment
--yes

Features and Services

Features and ServicesAAA Liberty Mutual
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA Liberty Mutual
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Better Car Replacement
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
yesyes
Glass Coverage yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
Original Equipment Manufacturer Coverage
--yes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • AAA
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductAAA Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • Liberty Mutual Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.