Liberty Mutual vs. USAA Auto Insurance (2021)

Comparing Liberty Mutual vs. USAA car insurance rates shows USAA is cheaper based on age, driving record, and credit score. External ratings of Liberty Mutual vs. USAA car insurance companies reveal Liberty Mutual having an A from A.M. Best and USAA having an A++. However, USAA is only offered to members of the military, veterans, and their families. Liberty Mutual has a greater variety of discounts.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 22, 2021

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Things to Remember

  • USAA insurance is cheaper than Liberty Mutual insurance in all categories
  • USAA has better financial and customer satisfaction ratings than Liberty Mutual
  • Only members of the military, veterans, and their families can buy USAA insurance

Both Liberty Mutual and USAA are on the list of the top 10 best auto insurance companies, but which is the best option based on your personal characteristics?

We’ll compare Liberty Mutual vs. USAA 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. USAA auto insurance companies.

It’s important to keep in mind that only people who have served in the military and their family members are eligible for USAA auto insurance.

Before reading this Liberty Mutual vs. USAA auto insurance review, use our tool to enter your ZIP code to compare multiple companies in your area.

Is Liberty Mutual auto insurance or USAA auto insurance cheaper?

Just what factors are looked at to determine your auto insurance rates may surprise you. Companies use your age, gender, marital status, driving record, and credit history to calculate your rates.

All of these, and more, will determine how affordable Liberty Mutual vs. USAA auto insurance quotes can be for you. Rates will be different for every driver.

First, let’s look at Liberty Mutual vs. USAA auto insurance rates by age, gender, and marital status. It’s no surprise that auto insurance for younger drivers is very expensive, but it might surprise you to learn how much rates vary by age.

Liberty Mutual vs. USAA Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesUSAA Average Annual Rates
Single 17-year-old female$9,875.56$4,695.06
Single 17-year-old male$12,181.54$5,225.88
Single 25-year-old female$3,287.35$1,913.08
Single 25-year old male$3,502.13$2,119.73
Married 35-year-old female$3,085.88$1,484.88
Married 35-year-old male$3,179.88$1,482.91
Married 60-year-old female$2,706.04$1,395.84
Married 60-year-old male$3,088.10$1,400.76
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USAA is the cheaper option regardless of your age, gender, or marital status. Liberty Mutual is thousands of dollars more expensive for 17-year-old drivers.

One of the most significant factors that car insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.

Liberty Mutual vs. USAA Average Annual Auto Insurance Rates by Driving Record
Driving RecordLiberty Mutual Average Annual RatesUSAA Average Annual Rates
Clean record$4,774.30$1,933.68
With 1 accident$6,204.78$2,516.24
With 1 DUI$7,613.48$3,506.03
With 1 speeding violation$5,701.26$2,193.25
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Liberty Mutual is more expensive than USAA regardless of your driving record.

Your credit score is also looked at when calculating your auto insurance rates. Insurance companies think that if you have a higher credit score, you will be more likely to pay for damages yourself and not file a claim.

Liberty Mutual vs. USAA Average Annual Auto Insurance Rates by Credit History
Credit HistoryLiberty Mutual Average Annual RatesUSAA Average Annual Rates
Good$4,388.18$1,821.20
Fair$5,604.24$2,219.83
Poor$8,802.22$3,690.73
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Once again, USAA is a much cheaper option. Drivers with poor credit will save the most by choosing USAA over Liberty Mutual.

Keep in mind that some states, like California, no longer allow car insurance companies to use your credit score to determine your rates.

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Does Liberty Mutual or USAA have better auto insurance discounts?

Auto insurance discounts are one of the best ways to significantly lower your rates. Most auto insurance companies offer many of the same discounts, such as good student and multi-policy discounts.

The table below shows you the discounts offered by Liberty Mutual and USAA. The amount of the discount is listed if it is known. Look through this list to see which company will offer you the most discounts.

Liberty Mutual vs. USAA Auto Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)USAA (%)
Adaptive Cruise Control5N/A
Adaptive Headlights5N/A
Anti-lock Brakes5x
Anti-Theft20x
Claim Freex12
Daytime Running Lights5x
Defensive Driver103
Distant StudentN/Ax
Driver's Ed103
Driving Device/App305
Early SigningN/A12
Electronic Stability Control5N/A
Family LegacyN/A10
Federal Employee10N/A
Forward Collision Warning5N/A
Full Payment$5N/A
Further Education10N/A
Garaging/StoringN/A90
Good Student22.53
Green Vehicle10N/A
HomeownerxN/A
Lane Departure WarningxN/A
Low Mileagexx
LoyaltyN/Ax
Marriedxx
Membership/Group10N/A
Military4x
Military GaragingN/A15
Multiple Policies20x
Multiple Vehicles10x
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/A12
Newly Licensed5N/A
Newlyweds5N/A
Occasional OperatorN/Ax
Occupation10N/A
Paperless/Auto Billingx3
Passive Restraintxx
Recent Retirees4N/A
Safe DriverN/A12
Senior DriverN/Ax
Students & Alumni10N/A
Switching Provider10N/A
Vehicle Recovery35x
VIN Etching5x
Young Driverx$75
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Although the two companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a homeowner discount, and USAA doesn’t. On the other hand, USAA offers a loyalty discount, and Liberty Mutual does not.

Be sure to inquire about other discounts by calling the Liberty Mutual insurance phone number or USAA insurance phone number.

How do Liberty Mutual and USAA compare in financial strength and customer satisfaction?

A.M. Best ranks the financial stability of insurance companies. Liberty Mutual received an A rating, showing it has an excellent ability to meet its financial obligations. USAA received an A++, meaning it has a superior ability to meet obligations.

Liberty Mutual and USAA also have similar Better Business Bureau ratings. Liberty Mutual received an A+ rating and is accredited. USAA received an A- rating and is not accredited.

J.D. Power ranks companies on customer satisfaction using factors like prices, billing, claims, and what products are offered. In most regions, Liberty Mutual received an average or below-average ranking, while USAA received an above-average ranking.

Liberty Mutual and USAA customers can view their insurance records, locate their ID cards, and pay bills using their Liberty Mutual login or USAA login on the Liberty Mutual app or USAA app.

You can also get this information using the Liberty Mutual customer service number or USAA customer service number.

Before you buy Liberty Mutual vs. USAA auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.

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