Farmers vs. Liberty Mutual Auto Insurance (2021)
Choosing between Farmers vs. Liberty Mutual auto insurance is difficult, so start comparing Farmers vs. Liberty Mutual car insurance rates by age, driving record, and credit score to find the best policy for you. Overall, Farmers Insurance offers better insurance rates and has more positive customer reviews than Liberty Mutual.
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UPDATED: Jul 15, 2021
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- Farmers auto insurance rates are cheaper than Liberty Mutual rates on average
- Both companies score an A+ with the Better Business Bureau and an A in financial ratings
- Farmers scores about average for customer satisfaction and Liberty Mutual scores below average in most regions
Both Farmers and Liberty Mutual are on the list of the top 10 best auto insurance companies, but which company is best for you?
Is Liberty Mutual better than Farmers insurance? That depends on your perspective and specific insurance needs. We’ll compare Farmers vs. Liberty Mutual auto insurance based on age, driving record, and credit history to see which one better suits your needs.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. Liberty Mutual auto insurance companies.
Looking for affordable Farmers vs. Liberty Mutual auto insurance quotes? Enter your ZIP code to start comparing quotes from multiple companies in your area.
Is Farmers auto insurance or Liberty Mutual auto insurance cheaper?
There are many factors that determine your auto insurance rates. Companies look at your age, gender, marital status, driving record, and credit history to calculate your rates.
These are just a few of the factors that determine how affordable Farmers vs. Liberty Mutual auto insurance is for you.
First, let’s look at Farmers vs. Liberty Mutual auto insurance rates based on your demographics. This table shows you the rates for each company based on age, gender, and marital status.
Farmers vs. Liberty Mutual Average Annual Auto Insurance Rates by Age
|Age, Gender, and Marital Status||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$8,666.24||$9,875.56|
|Single 17-year-old male||$9,202.06||$12,181.54|
|Single 25-year-old female||$2,672.81||$3,287.35|
|Single 25-year old male||$2,791.21||$3,502.13|
|Married 35-year-old female||$2,316.82||$3,085.88|
|Married 35-year-old male||$2,306.44||$3,179.88|
|Married 60-year-old female||$2,117.42||$2,706.04|
|Married 60-year-old male||$2,179.61||$3,088.10|
It is easier to find affordable Farmers auto insurance, no matter your age, gender, or marital status.
One of the most important factors that auto insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs can cause your auto insurance rates to skyrocket.
|Driving Record||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
|With 1 accident||$4,518.73||$6,204.78|
|With 1 DUI||$4,718.75||$7,613.48|
|With 1 speeding violation||$4,079.01||$5,701.26|
Liberty Mutual is significantly more expensive than Farmers for all driving records.
It might surprise you to learn that insurers also look at your credit score. Car insurance companies believe you are less likely to file a claim and more willing to pay for damages out of pocket if you have a higher credit score.
|Credit History||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
Yet again, Farmers auto insurance quotes are the cheapest options, no matter your credit score. Liberty Mutual is significantly more expensive.
You may live in a state, such as California, where basing auto insurance on credit score is illegal. Be sure to check your state’s laws before judging Farmers vs. Liberty Mutual auto insurance rates based on credit score alone.
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Does Farmers or Liberty Mutual have better auto insurance discounts?
One way to get affordable Liberty Mutual auto insurance quotes is by taking advantage of discounts. Auto insurance discounts are a great way to lower your rates.
Discounts offered by most auto insurance companies include multi-vehicle, multi-policy, and occupation discounts.
This table shows you the Liberty Mutual and Farmers insurance discounts offered. If the amount of the discount is known, it is listed. Take a look to see which company can offer you the most discounts.
|Car Insurance Discounts||Farmers (%)||Liberty Mutual (%)|
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||x||5|
|Electronic Stability Control||x||5|
|Forward Collision Warning||N/A||5|
|Lane Departure Warning||N/A||x|
|New Customer/New Plan||N/A||x|
|Students & Alumni||N/A||10|
Both companies offer a lot of the same discounts. However, there are some differences. For example, Farmers offers a continuous coverage discount and Liberty Mutual doesn’t. On the other hand, Liberty Mutual offers a discount for being married and Farmers doesn’t.
Be sure to call the Farmers and Liberty Mutual customer service numbers to ask about more discounts that may not be listed.
How do Farmers and Liberty Mutual compare in financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Both Farmers and Liberty Mutual received an A rating, meaning they have an excellent ability to meet their obligations.
Both Farmers and Liberty Mutual are accredited with the Better Business Bureau and received A+ ratings.
Both companies were also ranked by J.D. Power for customer satisfaction on factors like what is offered, billing, price, and claims. Farmers insurance reviews ranked about average and Liberty Mutual reviews ranked slightly lower.
Each company has an easy-to-use website and mobile app where customers can access their accounts, make payments, and even file Farmers insurance claims or Liberty Mutual claims easily. Usually, your Farmers insurance login or Liberty Mutual login would likely be the same in both the general app and the driving app.
Farmers auto insurance company and Liberty Mutual auto insurance company offer additional services like roadside assistance. The Farmers roadside assistance phone number is (800) 435 -7764. You can reach Liberty Mutual roadside assistance at (800) 426-9898.
Both companies also offer other insurance coverage, such as Farmers or Liberty Mutual homeowners insurance. Call the Farmers or Liberty Mutual insurance phone number to find out about bundling options to reduce your auto insurance rates.
Is Farmers insurance a mutual company like Liberty Mutual? Yes, Farmers offers investment opportunities, but your eligibility may depend on what state you live in.
Before you decide between Farmers vs. Liberty Mutual auto insurance, enter your ZIP code to start comparing multiple auto insurance companies in your area.