22 October 2020

Liberty Mutual vs American Family: Which Company is Best in 2020?

Choosing an auto insurance company is difficult: rates may vary by location, age, and driving history, and companies offer an array of perks. Liberty Mutual and American Family are two of the most popular car insurance companies, providing competitively priced policies across large portions of the US.

To help make shopping for car insurance easier, we gathered average policy rates from American Family and Liberty Mutual. The below cover myriad rating factors, including credit score, driving history, and age. Examine these rates and find the perfect policy for you.

Want to learn more? Read our full reviews of Liberty Mutual and American Family.

Liberty Mutual vs. American Family: prices by credit level

If you have very bad credit, American Family could be the way to go. On average, American Family offers cheaper prices than Liberty Mutual for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider Check out average insurance costs by credit score for American Family and Liberty Mutual below.

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: American Family VS. Liberty Mutual
Credit level Liberty Mutual avg. annual premium American Family avg. annual premium
Very Poor (300-579) $3,228 $1,931
Fair (580-669) $2,276 $1,294
Good (670-739) $2,109 $1,220
Very Good (740-799) $1,878 $1,009
Exceptional (800-850) $1,792 $941

Liberty Mutual vs. American Family: costs for high-risk drivers

If you’re dealing with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your résumé, American Family could be a better choice than Liberty Mutual. Every car insurance company prices policies differently after a violation, so don’t hesitate to shop around to find out which insurance company suits you.

HIGH-RISK INSURANCE RATE COMPARISON: American Family VS. Liberty Mutual
Violation Liberty Mutual avg. annual premium American Family avg. annual premium
At-fault accident (damage < $1,000) $2,776 $1,763
At-fault accident (damage > $1,000) $2,112 $990
DUI/DWI $4,182 $1,857
Reckless driving $3,459 $1,857
Speeding ticket $2,068 $1,270

Liberty Mutual vs. American Family: rates by age

Insurance companies use age as an indicator of potential risk, pricing policies on a sliding scale. Car insurance is usually priciest for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age tiers differently, it’s worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose American Family over Liberty Mutual: the former’s average annual rates are $2,749 less than the latter’s..

RATES BY AGE BRACKET: American Family VS. Liberty Mutual
Age tier Liberty Mutual avg. annual premium American Family avg. annual premium
Teens $6,559 $3,810
20s $2,686 $1,685
30s $1,942 $1,685
40s $1,926 $1,089
50s $1,793 $1,089
60s $1,746 $986

Setting aside cost, Liberty Mutual and American Family come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

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