Compare AAA vs. Liberty Mutual Insurance

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AAA and Liberty Mutual were only founded 10 years apart (AAA in 1902, and Liberty in 1912), and both are popular insurers in today’s market. Both companies have A+ ratings from the Better Business Bureau and take up spots on the top 10 list for auto insurers in 2015.

AAA is slightly better than Liberty Mutual in regard to driver discounts: Liberty Mutual’s auto discounts are rather limited, and their mobile app was rated as mediocre on Reviews.com. AAA on the other hand has an excellent mobile app and an array of driver discounts.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Liberty Mutual
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Liberty Mutual
  • You want breakdown coverage or 24-hour customer support

Special Car Insurance Discounts

AAA Liberty Mutual
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Liberty Mutual

Bundle & Save
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value so that managing your auto insurance is as stress-free as possible.

Exclusive Group Savings
Liberty Mutual has partnerships with more than 14,000 organizations. Being a member of any one of them could make you eligible for a discount with the insurance company.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Liberty Mutual
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Liberty Mutual
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Liberty Mutual
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Liberty Mutual
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Liberty Mutual
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Liberty Mutual
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Liberty Mutual Car Insurance
2016 160
2015 267
2014 235
2013 187

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Liberty Mutual Car Insurance
Overall Purchase Experience Average Among the best
Policy Offerings Average Among the best
Pricing Average Above average
Local Agent Average Among the best
Call Center Representative Above average Above average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Liberty Mutual Car Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Among the best Average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Liberty Mutual Car Insurance
A.M. Best A+ A
Moody's -- A2
S&P's A A

Mobile Apps

AAA Liberty Mutual
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website in the palm of your hand. You can use it to pay bills, view policy details, change your coverage, and more. You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with high-resolution photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

Roadside Assistance

AAA Liberty Mutual
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. The company’s roadside assistance website is here.