Liberty Mutual vs. State Farm Auto Insurance (2023)
Choosing between Liberty Mutual vs. State Farm auto insurance is difficult, so we examine Liberty Mutual vs. State Farm auto insurance rates by age, driving record, and credit score for you. State Farm has the better ratings when we line up Liberty Mutual vs. State Farm customer satisfaction and financial strength. State Farm rates are also cheaper on all of our comparison points, but Liberty Mutual has a greater variety of discounts.
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UPDATED: Jun 29, 2022
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- State Farm auto insurance rates are much cheaper than Liberty Mutual rates
- State Farm has slightly higher financial and customer satisfaction ratings than Liberty Mutual
- Liberty Mutual received an A+ rating from the Better Business Bureau, but State Farm isn’t rated
Both Liberty Mutual and State Farm are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?
We’ll compare Liberty Mutual vs. State Farm auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Liberty Mutual vs. State Farm auto insurance companies.
Keep reading to compare Liberty Mutual vs. State Farm auto insurance coverage, or enter your ZIP code to compare quotes from multiple car insurance companies in your area.
Is Liberty Mutual auto insurance or State Farm auto insurance cheaper?
You might be surprised to learn exactly what factors determine auto insurance rates. Car insurance companies look at everything from your age, gender, marital status, driving record, and credit history to determine your rates.
These factors can make the difference in determining how affordable Liberty Mutual vs. State Farm auto insurance is for you.
Let’s take a look at Liberty Mutual vs. State Farm auto insurance rates using some of those factors to see who can offer you the best deal. This table shows you the average annual auto insurance rates for both companies based on demographics.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||State Farm Average Annual Rates|
|Single 17-year-old female||$9,875.56||$4,875.91|
|Single 17-year-old male||$12,181.54||$6,130.77|
|Single 25-year-old female||$3,287.35||$1,979.45|
|Single 25-year old male||$3,502.13||$2,176.45|
|Married 35-year-old female||$3,085.88||$1,734.93|
|Married 35-year-old male||$3,179.88||$1,734.93|
|Married 60-year-old female||$2,706.04||$1,558.06|
|Married 60-year-old male||$3,088.10||$1,558.06|
State Farm is much cheaper than Liberty Mutual no matter your age. This is particularly true for 17-year-old male drivers, the most expensive demographic to insure.
Another important factor that auto insurance companies use to calculate your rates is your driving record. If you have accidents, tickets, or DUIs, you will spend a lot more on your insurance than if you have a clean driving record.
|Driving Record||Liberty Mutual Average Annual Rates||State Farm Average Annual Rates|
|With 1 accident||$6,204.78||$3,396.01|
|With 1 DUI||$7,613.48||$3,636.80|
|With 1 speeding violation||$5,701.26||$3,186.01|
Liberty Mutual is more expensive than State Farm regardless of your driving record. Drivers with DUIs will pay the most with Liberty Mutual.
You might be surprised to learn that your credit score affects your auto insurance rates. Insurance companies believe that if you have a higher credit score, you are less likely to file a claim and more willing to pay out of pocket for damages.
|Credit History||Liberty Mutual Average Annual Rates||State Farm Average Annual Rates|
State Farm is considerably cheaper than Liberty Mutual whether you have good, fair, or poor credit. Keep in mind that there are a few states, like California and Michigan, that don’t allow auto insurance companies to look at your credit score to determine your rates.
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Does Liberty Mutual or State Farm have better auto insurance discounts?
Auto insurance discounts are a great way to lower your rates. Most companies offer numerous savings opportunities, such as multi-vehicle and good student discounts.
Most companies also allow you to bundle policies to save even more. For example, if you choose between Liberty Mutual vs. State Farm home insurance, you can add a discount to your auto insurance for having multiple policies.
This table shows you the auto insurance discounts offered by Liberty Mutual and State Farm. If the amount of the discount is known, it is included. See which company can offer you the most discounts.
|Auto Insurance Discounts||Liberty Mutual (%)||State Farm (%)|
|Adaptive Cruise Control||5||N/A|
|Daytime Running Lights||5||N/A|
|Electronic Stability Control||5||N/A|
|Forward Collision Warning||5||N/A|
|Lane Departure Warning||x||N/A|
|New Customer/New Plan||x||N/A|
|Students & Alumni||10||N/A|
Although both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a federal employee discount, and State Farm doesn’t. However, State Farm offers a safe driver discount, and Liberty Mutual does not.
You may have to call the State Farm or Liberty Mutual customer service numbers to learn which discounts you qualify for before you buy. Before you file a claim with the Liberty Mutual or State Farm claims departments, ask about accident forgiveness.
How do Liberty Mutual and State Farm compare in financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, showing it has an excellent ability to meet financial obligations. State Farm received an A+, showing a superior ability to meet its obligations.
When it comes to the Better Business Bureau (BBB), Liberty Mutual is accredited and has an A+ rating. State Farm is not accredited or rated by the BBB.
Both companies were ranked by J.D. Power for customer satisfaction on factors like what is offered, billing, price, and the Liberty Mutual and State Farm claims processes. Liberty Mutual ranked at or below average in most regions, while State Farm ranked average in most regions.
Does Liberty Mutual or State Farm have the better mobile app?
Both companies offer an easy-to-use website. The Liberty Mutual and State Farm apps allow customers to access their accounts at any time. Usually, your Liberty Mutual login or State Farm login will work with both the general app and telematics app.
You can use the Liberty Mutual app to file a claim and the State Farm app allows you to request roadside assistance. You can also call the main State Farm or Liberty Mutual insurance phone numbers when you need roadside assistance or help with a claim.
Before you choose between Liberty Mutual vs. State Farm auto insurance, enter your ZIP code to compare auto insurance quotes from local providers in your local area.