Liberty Mutual vs. American Family Insurance

Which insurance carrier is right for you? Compare rates, plans, and quotes from Liberty Mutual and American Family.

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Liberty Mutual vs. American Family: What You Need to Know

Liberty Mutual Group is a global insurer and the fourth largest propertyand casualty insurer in the U.S, ranking 68th on Fortune 100 list of thelargest corporations in the U.S. The company has assets of more than $100billion. Today the group employs over 50,000 people in over 900 locationsaround the globe, including 45 U.S. states. Liberty Mutual formed on July1, 1912, as Massachusetts Employees Insurance Association (MEIA) andemerged after state law began to require that employers carry protectionfor their employees. MEIA provided workers’ compensation insurance tocompanies, and the first auto policy was sold in 1918. In 1920, the companyused a then-new medium of film to teach people about workplace safety. Thefirst Liberty Mutual home office opened its doors in Boston in 1937. In1946, they created an emergency stop switch for escalators. In 1957 LibertyMutual and Cornell University partnered to create a “safety car” by crashtesting with dummies, something that had never been done before. In 1964,Liberty Mutual began selling life insurance though the Liberty LifeAssurance Branch. The first battery-powered prosthetic elbow was created bythe company in 1967. As Liberty Mutual grew, it expanded beyond NorthAmerica by opening its first operation in the UK. In the 1990s, theycontinued to grow through the acquisition of large commercial and riskcarriers. In 2008, Safeco became a part of Liberty Mutual. In 2016reaffirmed its commitment to innovation by creating Solar Labs.

Allied Mutual Automobile Association was formed by Harold Evans in 1929.After years of operating as a standalone brand, Allied Insurance becameNationwide in 1998. Policies, documents, bills and account statements forAllied customers are now featuring the Nationwide name and logo.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Liberty Mutual Overview and American Family Overview.

Liberty Mutual vs. American Family: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Liberty Mutual and American Family. On average, Liberty Mutual charges approximately $313.25 per month while American Family comes in at around $155.10 per month. For Liberty Mutual, the cheapest state average is North Carolina at $90.18 per month and the most expensive is Delaware at $864.88 per month. For American Family, the cheapest state average is Ohio at $92.90 per month and the most expensive is Nevada at $331.95 per month.

Liberty Mutual

Average Rate

$313.25
American Family

Average Rate

$155.10
National

Average Rate

$119.16
State Liberty Mutual American Family
Arizona- $163.90
Arkansas $360.40 -
Colorado- $204.33
Connecticut $401.80 -
Delaware $864.88 -
Idaho- $108.84
Illinois- $185.29
Indiana- $142.43
Iowa $286.56 $103.63
Kansas- $145.50
Maryland $368.58 -
Massachusetts $246.79 -
Minnesota- $130.44
Mississippi $481.31 -
Missouri- $159.25
Nebraska $296.41 $145.18
Nevada $276.14 $331.95
New Hampshire $226.70 -
New York $420.74 -
North Carolina $90.18 -
North Dakota- $138.25
Ohio $235.48 $92.90
Oregon- $148.41
Pennsylvania $326.84 -
Rhode Island $373.83 -
South Dakota- $118.95
Tennessee $243.32 -
Utah- $190.64
Washington $194.31 $172.74
Wisconsin $268.70 $101.28

Liberty Mutual vs. American Family: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Liberty Mutual and American Family typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Liberty Mutual American Family
1 Vehicle $298.49 $143.76
2 Vehicles $370.42 $191.95
3 Vehicles $ $281.53

Liberty Mutual vs. American Family: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Liberty Mutual charges $281.77 per month and American Family charges $149.64 per month for customers who own their home.

Own/Rent Liberty Mutual American Family
Own $281.77 $149.64
Rent $326.96 $157.90

What is Liberty Mutual and American Family Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Liberty Mutual and American Family ranked among the industry ratings.

Comparison Liberty Mutual American Family
Year Founded 1912 1927
Market Share 0.5% 1.91%
A.M. Best A A
BBB Rating A- A+
Financial Strength Excellent Excellent
Fitch Rating
JD Power Ranking About Average About Average
Moody’s Rating A2
NAIC Complaint Index 0.64
NAIC Complaint Ratio 4.55
S&P Rating A A

Liberty Mutual or American Family: Insurance Products Offered

What coverage is available through Liberty Mutual and American Family? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Renters, RV, and Umbrella Insurance. Additional products from American Family insurance also includes Farm, Life, Motorcycle, and Pet Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Liberty Mutual and American Family Insurance page.

Insurance Liberty Mutual American Family
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Liberty Mutual or American Family: Ways To Save

American Family offers a wide range of discounts to its policyholders, including Claims-free Pricing, Generational, and Good Student discounts. Liberty Mutual also offers a few discounts that American Family doesn’t including Violation Free, Student-Away-at-School, and Righttrack telematics device discount discounts. Start taking advantage of discounts offered by insurance providers like American Family and Liberty Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Liberty MutualAmerican Family
Accident Free DiscountAway at School Discount
Advanced Safety Features DiscountClaims-free Pricing
Alternative Energy DiscountGenerational Discount
Anti-Theft Device DiscountGood Student Discount
Bundle DiscountsKnowYourDrive
Early Shopper DiscountLoyalty Discount
Good Student DiscountMulti-product Discount
Homeowner DiscountSmart Home Discount
Military DiscountTeen Safe Driver Discount
Multi-Car DiscountYoung Volunteer Discount
Multi-Policy Discount
Online Purchase Discounts
Paperless Policy Discount
Pay-in-Full Discount
Preferred Payment Discount
Righttrack telematics device discount
Student-Away-at-School Discount
Violation Free Discount

Pros & Cons of Liberty Mutual & American Family

Pros

Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to30%.
  • Liberty Mutual Deductible Fund, which reduces and eliminates yourdeductible.
  • Accident forgiveness for your first accident.
  • Lifetime auto repair guarantee at one of 2,000 guaranteed repair networkfacilities.
  • Original parts replacement ensures that you will only be sold parts made bythe manufacturer, not a third party.
American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may beable to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and mayearn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyftdrivers.

Cons

Liberty Mutual
  • Accident forgiveness is not available in CA and NC.
  • New car replacement is not available in NC and WY.
  • No good student discount.
  • No military discount.
  • No rideshare insurance.
American Family
  • American Family Insurance only serves 19 states.

Liberty Mutual or American Family Mobile Apps Options

The Liberty Mutual app is available for iOS and Android. This insuranceconcierge is where you can report accidents or update personal information24/7.

The American Family mobile app is available for iOS and android. CalledMyAmFam, the app allows users to manage their insurance policy: Makepayments, view coverage and policy details, access digital ID cards, in-apppayment reminders, find a repair shop, submit a claim, get roadsideassistance and more.

Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews
American Family Mobile App
iOS     4.830K user reviews
Android     4.43.5K user reviews

Liberty Mutual & American Family Contact Info

Liberty Mutual Contact Info
Address 175 Berkeley Street, Boston, Massachusetts
Phone 1 (888) 398-8924
Website www.libertymutual.com
Facebook www.facebook.com/libertymutual
Twitter www.twitter.com/libertymutual
Youtube www.youtube.com/libertymutual
Linkedin www.linkedin.com/company/liberty-mutual-insurance
American Family Contact Info
Address 6000 American Parkway, Madison, WI 53783
Phone 1-800-692-6326
Website https://www.amfam.com/insurance
Facebook https://www.facebook.com/amfam/
Twitter https://twitter.com/amfam
Youtube https://www.youtube.com/user/amfam
Linkedin https://www.linkedin.com/company/american-family-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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