AAA vs Liberty Mutual

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • 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.

AAA vs. Liberty Mutual: Which is the best auto insurance provider?

Since then, 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 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.

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.

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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.

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.

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References:

  1. https://www.libertymutualgroup.com/about/
    -lm/our-company/culture-and-values/our-history
  2. https://www.ambest.com/home/default.aspx
  3. https://www.libertymutual.com/
  4. https://www.aaa.com
  5. https://www.libertymutual.com/life-insurance/life-assurance-company/financial-strength-ratings

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