Ameriprise vs. Liberty Mutual Car Insurance [2021]

When you compare Ameriprise vs. Liberty Mutual car insurance, you will find they both have a lot to offer. Looking at Ameriprise and Liberty Mutual car insurance rates, it is clear Ameriprise's are more affordable than Liberty Mutual's. Liberty Mutual does offer quite a few car insurance discounts that can make its rates more affordable, such as the multi-vehicle discount, which can save you up to 15%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Aug 3, 2021

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Here's What You Need to Know

  • Ameriprise is now known as CONNECT which is part of Costco
  • Both Ameriprise and Liberty Mutual offer great rates
  • Multiple factors will impact how much you pay for car insurance
  • Discounts from Ameriprise or Liberty Mutual car insurance can save you a lot on your monthly rates

Getting a Liberty Mutual auto insurance quote is a great way to see if it is a good fit for your insurance needs. However, comparing Ameriprise vs. Liberty Mutual will give you an even more informed decision about what insurance company is best for you.

Reading our Ameriprise car insurance review and Liberty Mutual car insurance review will give you the specifics of each company. From there, comparing will provide you with all the information you need to get affordable rates.

Keep reading to find out how much your Ameriprise or Liberty Mutual car insurance quotes may be.

Before jumping into this Ameriprise vs. Liberty Mutual car insurance review, you can also enter your ZIP code now to compare free quotes from insurance companies near you.

Which company offers cheaper rates, Ameriprise or Liberty Mutual?

Trying to find affordable Ameriprise or Liberty Mutual car insurance is easiest when you compare them against each other. While both companies have great insurance options and reasonable rates, one will be cheaper than you than the other.

It’s important to understand that when looking for Ameriprise rates, they will be hard to find. This is because CONNECT took over Ameriprise auto insurance, Costco owns CONNECT. Additionally, CONNECT underwrites American Family car insurance policies. So, they are all connected.

These companies will look at your age, location, credit history, driving record, and annual mileage to determine your base rates. With that being said, let’s take some time and see what your rates may be with these two high-ranking car insurance companies.

Ameriprise vs. Liberty Mutual: Monthly Rates Based on Driving Record

It’s not surprising to find out that your driving habits will impact how much your insurance will cost. If you have a clean record, you will have cheaper base rates. However, the more infractions you have, the higher your monthly payment will be.

Each insurance company puts different levels of importance on various infractions. So, looking at them side-by-side will allow you to easily see which company will give you the best deal on your car insurance.

Here is a quick look at various infractions and how much they may end up costing you.

Ameriprise vs. Liberty Mutual Average Monthly Car Insurance Rates Based on Driving Record
Driving Record SummaryAmeriprise Average Monthly Car Insurance RatesLiberty Mutual Average Monthly Car Insurance Rates
Clean Driving Record$224$397
With 1 Speeding Violation$252$475
With 1 Accident$310$517
With 1 DUI$361$634
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As you can see, Ameriprise is more affordable in every category where a driving infraction is concerned. Liberty Mutual’s rates are quite a bit higher than many top-rated insurers regarding a less than perfect driving record.

Ameriprise vs. Liberty Mutual: Monthly Rates Based on Credit History

While car insurance companies don’t usually put as much weight on your credit report as they do on your driving record, it will still play a role in your base rates. It is believed that higher credit scores equal fewer accidents. So, by improving your credit, you can also lower your car insurance bill.

Now we will look over the average monthly rates you may face based on your credit score.

Credit History SummaryAmeriprise Average Monthly RatesLiberty Mutual Average Monthly Rates
Good Credit (670-739)$224$365
Fair Credit Score (580-669)$264$467
Poor Credit Score (300-579)$372$733
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Ameriprise vs. Liberty Mutual Average Monthly Car Insurance Rates Based on Credit Score

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Just like the rates based on your driving history, Ameriprise is much more affordable regardless of your credit score. If your budget is tight and your driving record or credit history isn’t perfect, Ameriprise is likely the best way to go.

Ameriprise vs. Liberty Mutual: Monthly Rates Based on Age, Marital Status, and Gender

Some other factors that impact your Ameriprise or Liberty Mutual car insurance rates are your age, marital status, and gender. It’s not surprising that your age affects your rates because the older you are, the more experience driving you have and the less likely you will have an accident.

However, some people don’t realize that marital status and gender also play a role in your rates. So, we thought it was important to review some different age groups and statuses to show you how much you might end up paying with these two companies.

Ameriprise vs. Liberty Mutual Average Monthly Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmeriprise (CONNECT) Average Monthly RatesLiberty Mutual Average Monthly Rates
Single 17-year-old female$774$968
Single 17-year-old male$887$1,143
Single 25-year-old female$285$329
Single 25-year-old male$298$375
Married 35-year-old female$263$316
Married 35-year-old male$260$321
Married 60-year-old female$166$287
Married 60-year-old male$168$306
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Here again, when looking at the Ameriprise or Liberty Mutual car insurance company, Ameriprise is cheaper. Regardless of your age or marital status, you will get a better deal from Ameriprise than Liberty Mutual.

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Which company leads in customer satisfaction in the debate of Ameriprise vs. Liberty Mutual?

When you choose a new car insurance company, you want to make sure they are in your corner no matter what is going on. If you are still unsure if you want to buy Ameriprise or Liberty Mutual car insurance, researching customer satisfaction should help make things more clear.

Whether you are searching for your Ameriprise car insurance login or you need help filing a claim, you won’t want to be on your own.

Both of these companies have customer service teams that will be there when you need them. When we looked over customer satisfaction reviews for these two companies, we found that Ameriprise ranks higher than Liberty Mutual.

You will get good support from both companies. However, Ameriprise is easier to get ahold of and has a slightly more helpful customer service team.

This means filing claims, making changes to your policy, and getting information will be easier with Ameriprise than with Liberty Mutual.

Hopefully, you have learned all about Ameriprise vs. Liberty Mutual car insurance. If you want to check out free quotes from top insurers in your area, enter your ZIP code here and compare rates today.

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