Compare AAA vs. Liberty Mutual Insurance

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 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. Anything beyond that costs extra
Liberty Mutual
  • You want breakdown coverage or 24-hour customer support

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like AAA and Liberty Mutual. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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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. Here are just a few of the Triple A discounts you can get:

  • 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. This helps make managing your auto insurance as stress-free as possible.

Exclusive Group Savings

Liberty Mutual has partnerships with more than 14,000 groups. 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. 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 hi-res 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 in the event of 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 rep with your 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'll be towed to the Nearest Qualified repair shop
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver fuel - We'll get you enough gas to reach the nearest service station
  • Change a flat tire
  • 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 website is here.