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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UPDATED: Jun 22, 2021
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- 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.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||USAA 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|
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.
|Driving Record||Liberty Mutual Average Annual Rates||USAA Average Annual Rates|
|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|
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.
|Credit History||Liberty Mutual Average Annual Rates||USAA Average Annual Rates|
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.
|Auto Insurance Discounts||Liberty Mutual (%)||USAA (%)|
|Adaptive Cruise Control||5||N/A|
|Daytime Running Lights||5||x|
|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 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.