AAA vs. Liberty Mutual Car Insurance Comparison [2025]
When comparing AAA vs. Liberty Mutual, AAA received a "B++" A.M. Best rating, while Liberty Mutual received an "A."Both companies are financially stable, but Liberty Mutual has $77,575,000 more in assets.
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Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Benjamin Carr
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Kalyn Johnson
Updated November 2024
LMG has grown into an international mutual insurance conglomerate and is the 5th largest insurance company in the U.S.
A.M. Best Company gave LMG a rating of “A.” Liberty Mutual is licensed in all 50 states and offers varying types of car insurance coverage from state to state. AAA, on the other hand, received a “B++,” and its insurance premium offerings vary with each of its individual regions.
While LMG is a global corporation, its three main subsidiaries are as follows:
- Liberty Mutual Fire Insurance Company
- Employees Insurance Company of Wausau
- Liberty Mutual Life Assurance Company of Boston.
Visit our Liberty Mutual car insurance review for more information.
The top three subsidiaries of AAA are as follows:
- AAA Mid-Atlantic Insurance Co.
- AAA Texas County Mutual Insurance Company
- AAA Texas County Mutual Insurance Co. of N.J.
You can learn more at our AAA car insurance review.
Use our free tool above to start comparing car insurance quotes from many of the best car insurance companies!
- Both AAA and Liberty Mutual come from a robust history.
- Both companies offer various, different, insurance plans.
- Both AAA and LMG are growing and successful options from which to choose.
Liberty Mutual vs. AAA
Here are some categories to consider when comparing auto insurance companies.
Lines of Insurance
Both AAA and Liberty Mutual Group offer auto and homeowners insurance.
AAA also includes inland marine coverage and LMG offers a wide range of additional insurance policies, not excluding: personal injury insurance, life insurance for individuals or families, commercial property insurance, specialty risk insurance, and worker’s compensation for businesses.
The bulk of business for both AAA and Liberty Mutual is in insuring private automobiles.
Read more: Amica vs. AAA Car Insurance Comparison
Financial Strength
AAA’s assets have been steadily climbing to a recent estimate of about $425 million with its total premiums around $234 million. Liberty Mutual has assets estimated at $78 billion.
Both companies have shown steady and continuous growth over the last five years.
Car Insurance Quotes
Why not compare quotes from not just AAA and Liberty Mutual but many other top auto insurance companies too? Enter your zip to start comparing quotes now!
Frequently Asked Questions
What are the financial ratings of AAA and Liberty Mutual?
AAA received a “B++” A.M. Best rating, while Liberty Mutual received an “A” rating. Both companies are financially stable.
How do the assets of AAA and Liberty Mutual compare?
Liberty Mutual has $77,575,000 more in assets compared to AAA.
What types of insurance coverage do AAA and Liberty Mutual offer?
Both AAA and Liberty Mutual offer auto and homeowners insurance. AAA also includes inland marine coverage, while Liberty Mutual offers a wide range of additional insurance policies such as personal injury insurance, life insurance, commercial property insurance, specialty risk insurance, and worker’s compensation.
Which states is Liberty Mutual licensed in?
Liberty Mutual is licensed in all 50 states.
What are the main subsidiaries of Liberty Mutual?
Liberty Mutual has grown into an international mutual insurance conglomerate, and its three main subsidiaries are not specified in the provided content.
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