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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 23, 2021

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Just What's Essential

  • When looking at American Family vs. Liberty Mutual, know that rates can vary drastically
  • How much you pay for car insurance is impacted by several factors
  • Discounts can help reduce your rates significantly

Both American Family and Liberty Mutual have a lot to offer, including excellent car  insurance coverage and many other insurance products to meet your needs.

Checking out the American Family or Liberty Mutual car insurance review is a great way to see what these companies have to offer. Comparing them against other top-rated insurers will give you a better look at what is available and where you can save the most money.

Keep reading to see if affordable American Family or Liberty Mutual car insurance is available for you. You can also enter your ZIP code to compare rates from insurance companies in your area for free.

What are the average rates when looking at American Family vs. Liberty Mutual?

When you are looking into car insurance, you will quickly see standard rates can vary a lot. Car insurance companies look at a number of factors to determine how much your base rate will be. These factors include:

  • Age
  • Credit score
  • Driving record
  • Annual mileage
  • Location
  • Claims history

Your age is one of the most significant factors in how much you’re going to pay for car insurance. The older you are, the more experience you have driving and the less of a risk you represent to the insurance company. Here’s a look at how American Family rates stack up against Liberty Mutual rates.

American Family vs. Liberty Mutual Average Monthly Rates by Age
Age GroupAmerican Family Average Monthly RatesLiberty Mutual Average Monthly Rates
16-19 Years Old$317.50$546.58
20-29 Years Old$140.42$223.83
30-39 Years Old$140.42$161.83
40-49 Years Old$90.75$160.50
50-59 Years Old$90.75$149.42
60-69 Years Old$82.17$145.50
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In all categories, Liberty Mutual is more expensive. However, with Liberty Mutual discounts, your can bring your rates down. Both of these insurance companies offer great coverage and, depending on what discounts you qualify for, affordable rates.

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Which company offers better discounts, American Family or Liberty Mutual?

While both companies offer numerous discounts, you won’t qualify for all of them. Additionally, they don’t offer the same discounts, so one may save you more than the other. Obviously, the American Family KnowYourDrive discount won’t be found with any other insurance company.

Taking advantage of discounts will help lower your rates. By having all of your insurance policies with the same company, you are sure to save money. Pretty much all the major insurance companies offer decent discounts for bundling.

Let’s look over the discounts you will find from American Family and Liberty Mutual.

American Family Car Insurance Discounts

  • Good student
  • KnowYourDrive
  • Multi-policy
  • Multi-vehicle
  • Air bags
  • Good driver
  • Student away at school
  • Defensive driver
  • Advanced purchase
  • Low annual mileage
  • Generational
  • Loyalty
  • Auto-pay
  • Paperless

Liberty Mutual Car Insurance Discounts

  • Good student
  • Multi-vehicle
  • Multi-policy
  • Anti-lock brakes
  • Anti-theft devices
  • Good driver
  • Green vehicle
  • Student away at school
  • Advanced purchase
  • Homeowner
  • Paid in full
  • Auto-pay
  • Military

You can get a decent number of discounts whether you go with American Family or Liberty Mutual car insurance. However, as you can see, Liberty Mutual offers more. Liberty Mutual’s extra discounts might come in handy if your rates are more expensive due to a poor driving record or a young driver on your policy.

How will my driving record affect my rates when comparing American Family vs. Liberty Mutual?

Most people understand that their driving record is going to impact their insurance rates. However, how negative marks affect your American Family or Liberty Mutual car insurance rates will vary depending on which company you choose.

American Family and Liberty Mutual car insurance companies assign different risk levels to each type of driving violation. So, while insurers can see a speeding ticket for up to three years, it won’t impact your rates the same as an at-fault accident.

Here is a look at some rate comparisons between American Family and Liberty Mutual based on common driving record scenarios.

American Family vs. Liberty Mutual Average Monthly Rates Based on Driving Record
ViolationAmerican Family Average RateLiberty Mutual Average Rate
At-fault Accident - Less than $1000 in damages.$82.50$176
At-fault Accident - More than $1000 in damage$146.92$231.33
One DUI/DWI$154.75$348.50
Reckless Driving Ticket$154.75$288.25
One Speeding Ticket$105.83$172.33
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For those with less than stellar driving records, Liberty Mutual may not be a great fit. When you need affordable car insurance with some negative marks on your driving record, American Family is the better option.

Which company offers more insurance products, American Family or Liberty Mutual?

It’s a good idea to get new quotes for car insurance every six months. But you should consider shopping around for other types of insurance as well. You might find policies better suited to your needs at more affordable prices.

Both companies have a lot to offer. To get detailed information, call the Liberty Mutual auto insurance phone number, or check out American Family online.

However, here is a quick look at the different kinds of policies you can purchase from these two powerhouse insurance companies.

American Family vs. Liberty Mutual Additional Insurance Products Offered
Insurance Products OfferedAmerican FamilyLiberty Mutual
Home OwnersYesYes
Mobile HomeYesYes
Travel TrailerNoYes
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Liberty Mutual has more to offer when it comes to insurance varieties. This may make them a better fit for some lifestyles. However, American Family does have a variety of policy options that will cover most people’s needs.

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Which company is better when it comes to customer satisfaction, American Family or Liberty Mutual car insurance company?

Both companies rate highly when it comes to customer satisfaction. However, you need to focus on the parts that are important to you and convenient to your life. You want to find a car insurance company that makes things easy.

For example, you never want to have to search for the American Family claims phone number while dealing with an accident. So, choosing a company with a website or mobile app that’s easy to navigate is a big benefit.

If you’re like many policyholders, you might also want to be able to make a Liberty Mutual online payment or use the American Family bill pay feature.

These aspects can make your life simpler. Both companies have well-developed websites you can use to make policy changes, pay bills, and find other products.

Hopefully you feel better equipped to decide whether to buy American Family or Liberty Mutual car insurance. Enter your ZIP code now to see free rates from top-rated insurers.