Choosing a car insurance company can be challenging: you have to compare rates, find the correct coverage, and eventually select the provider to give you the best customer experience. As far as State Farm vs Liberty Mutual is concerned, we have covered you with this in-depth analysis of the top two auto insurance firms.
Liberty Mutual auto insurance is the best automobile insurance provider for teen drivers. State Farm auto insurance is the best choice for college students, given the incentives and attractive coverage choices available to these classes. However, other drivers can also have excellent insurance coverage for both firms.
Both State Farm and Liberty Mutual offer competitive coverage options, but Liberty Mutual outshines State Farm by providing a few more choices to its customers. Both State Farm and Liberty Mutual offer competitive coverage choices, but Liberty Mutual outperforms State Farm by providing its customers a few more options. Liability compensation, comprehensive, accident, MedPay, PIP, and UM/UIM insurance are all standard insurance coverage when it comes to auto insurance. Many member states require some limitations on auto insurance liability, while the rest are mostly optional.
Although Liberty Mutual has more coverage options than State Farm, not everyone would need any coverage. Auto insurance for teachers and road trips to Mexico is perfect for you, but State Farm can be an excellent choice for regular coverage if you don't need it.
| Insurance Coverage | Liberty Mutual | State Farm |
|---|---|---|
| Bodily Injury Liability (BI) | Yes | Yes |
| Property Damage Liability (PD) | Yes | Yes |
| Collision | Yes | Yes |
| Comprehensive | Yes | Yes |
| Personal Injury Protection (PIP) | Yes | Yes |
| Medical Payments (MedPay) | Yes | Yes |
| Uninsured/Underinsured Motorist (UM/UIM) | Yes | Yes |
| Roadside Assistance | Yes | Yes |
| Towing Services | Yes | Yes |
| Rental Car Reimbursement | Yes | Yes |
| Rideshare Insurance | No | Yes |
| Accident Forgiveness | Yes | No |
| Gap Insurance | Yes | No |
| Liberty Mutual Deductible Fund ® | Yes | No |
| Teachers Car Insurance | Yes | No |
| Mexico Tourist Car Insurance | Yes | No |
| New Car Replacement | Yes | No |
| Better Car Replacement | Yes | No |
| Lifetime Repair Guarantee | Yes | No |
| Original Parts Replacement | Yes | No |
If you're curious how much automobile insurance will cost Liberty Mutual or State Farm, the answer is: it depends. The cost of auto insurance varies depending on several factors, including your age, location, driving background, and, eventually, what insurer you want to underwrite your insurance policy. Car insurance for Liberty Mutual vs. State Farm shows that State Farm is typically more affordable than Liberty Mutual. Luckily, there is plenty of discount offers you can apply for to get cheaper car insurance, no matter which insurer you pick.
Although Liberty Mutual has more discounts available than State Farm, Liberty Mutual's rates are typically more costly. We will leave it to you to determine which company wins this round-take into account which discounts are more applicable to you and your car.
| Common Discounts | Liberty Mutual | State Farm |
|---|---|---|
| Multiple Vehicle | Yes | Yes |
| Multiple Policy | Yes | Yes |
| Good Student | Yes | Yes |
| Safe Driver | Yes | Yes |
| Driver Training | Yes | Yes |
| Vehicle Safety | Yes | Yes |
| Anti-Theft | Yes | Yes |
| Accident-Free | Yes | Yes |
| Student Away At School | Yes | Yes |
| Defensive Driving | No | Yes |
| Passive Restraints | No | Yes |
| Homeowner | Yes | No |
| Military | Yes | No |
| Early Shopper | Yes | No |
| Alternative Energy | Yes | No |
| Violation-Free | Yes | No |
| Automatic Payment | Yes | No |
| Pay in Full | Yes | No |
| Online Purchase | Yes | No |
| Paperless Policy | Yes | No |
It is important to consider what each provider provides if you are thinking about bundling your car insurance with another form of insurance.
| Insurance Products | Liberty Mutual | State Farm |
|---|---|---|
| Auto Insurance | Yes | Yes |
| Home Insurance | Yes | Yes |
| Renters Insurance | Yes | Yes |
| Motorcycle Insurance | Yes | Yes |
| RV Insurance | Yes | No |
| Boat Insurance | Yes | Yes |
| Umbrella Policies | Yes | No |
| Flood Insurance | Yes | No |
| Life Insurance | Yes | Yes |
| Accident Insurance | Yes | No |
| Pet Insurance | Yes | No |
| Identity Theft Protection | Yes | No |
| ATV Insurance | No | Yes |
| Motorhome Insurance | No | Yes |
Via a plug-in computer or smartphone app that tracks driving habits, both businesses deliver usage-based savings plans. State Farm's software is called Drive Safe & Save. Liberty Mutual's software is called RightTrack. For a quick comparison between the two systems, see the chart below.
| Drive Safe & Save | RightTrack |
|---|---|
| Monitors driving through the Drive Safe & Save mobile app, plug-in device, or OnStar | Monitors driving through the Liberty Mutual mobile app or plug-in device |
| Up to 30 percent off your auto insurance for safe driving | Guaranteed savings between 5 and 30 percent |
| 3.6 stars on Google Play | 3.9 stars on Google Play |
When it comes to expert ratings, State Farm has Liberty Mutual defeated, with better scores. This tells us that paying out claims is more financially sound than Liberty Mutual by State Farm. State Farm also has corporate practices that are more open. In almost every region in the country, State Farm beats Liberty Mutual for overall customer satisfaction.
It is clear that Liberty Mutual struggles with communication if you compare Liberty Mutual vs. State Farm customer feedback. Customers have complained about rude and demeaning officials, unclear rate rises, and slow processing of claims. Good feedback for Liberty Mutual highlight members and fair appraisals that go above and beyond.
Equally mixed is consumer feedback for State Farm. Complaints range from weak customer service agents of the car insurance company to lack of regard for long-time policyholders. Positive customer reviews focus on the processing of fast claims and fair prices.
In the end, individual experiences with any car insurance agencies have to do with the location. When considering Liberty Mutual or State Farm, we suggest reading local reviews unique to your area.
For auto insurance, both Liberty Mutual and State Farm are excellent options. In all 50 states, Liberty Mutual is eligible and provides a range of service options and discounts. State Farm has lower overall costs and higher reviews from leaders in the industry. When we specifically compare Liberty Mutual vs. State Farm, we agree that State Farm is the better deal in the states where you can get it, but we suggest that all businesses receive auto insurance quotes to compare rates.
Liberty Mutual Insurance and State Farm are two of the largest homeowners insurance companies in the U.S. Both offer similar homeowners insurance coverage. They differ in the specific add-on coverages and discounts available.
| Advantages of Liberty Mutual | Advantages of State Farm |
|---|---|
| Usable discounts for upgrades such as a new roof | Coverage for buying energy-efficient products |
| Optional coverage individually or as a bundle available | Coverage for waterbeds and utility lines |
| Accessible Claims-free discount | Reduced prices for roofs prone to less damage |
| Disadvantages of Liberty Mutual | Disadvantages of State Farm |
|---|---|
| Optional coverage will rapidly raise costs | Only available in a kit for some coverage |
| For some dog breeds, no liability compensation is given for | Higher rates than those of certain rivals |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
State Farm ranks higher for financial power, and for customer satisfaction and positive user feedback, Liberty Mutual is ranked higher. Both businesses offer several discounts and roadside assistance, but Liberty Mutual needs coverage for Towing and Labor.
Yeah, Liberty Mutual is a good car insurance company. Liberty Mutual provides drivers with auto insurance plans, from healthy drivers with lots of experience to novice drivers and consumers with a less-than-stellar driving record.
The best car insurance companies when it comes to prices:
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Liberty Mutual is costly because of its parameters to quantify the risk that varies with each insurer. While Liberty Mutual is very expensive for some, it may not be costly for you, and we suggest that you compare quotes from at least three insurers while shopping for auto insurance.
Liberty Mutual is cheap since the firm offers a wide range of discounts and is the sixth-largest insurer in terms of written premiums. Plus, Liberty Mutual rewards customer loyalty with discounts on securing more than one car or bundling several policies, such as home and vehicle.
Usually, Liberty Mutual provides lower premiums than Progressive for drivers with a credit score of less than 580. Those with exceptional credit—a score of 800-plus—should prefer Progressive, which usually beats Liberty Mutual by $472 a year.
USAA is the cheapest auto insurance provider in the country and provides the lowest car insurance rates in the country.
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