Allstate vs. Liberty Mutual: Which Car Insurance Is Cheaper?
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UPDATED: May 26, 2021
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- Both Allstate and Liberty Mutual have strong customer satisfaction ratings and a bright financial future
- Liberty Mutual receives a higher volume of customer complaints than Allstate
- Both Allstate and Liberty Mutual offer competitive discounts
- Allstate has lower car insurance rates for drivers with bad credit
- Both Allstate and Liberty Mutual increase rates significantly for having a bad driving record
You have a lot of choices when it comes to automobile insurance companies, and comparing them side by side will help you narrow down your options. To see which one suits your needs best, we will look at the pros and cons of Allstate vs. Liberty Mutual car insurance companies.
Which company will provide the best and cheapest car insurance for you? To see if either is right for you, compare rates, discounts, financial ratings, and customer satisfaction ratings.
Keep reading to compare affordable Allstate vs. Liberty Mutual car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Allstate vs. Liberty Mutual car insurance: Which is cheaper based on age?
Generally speaking, the older we get, the more practice we have driving. In calculating car insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base car insurance premiums on marital status and gender; some states have banned this practice, though. Let’s compare Allstate vs. Liberty Mutual car insurance rates based on age, gender, and marital status.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$9,282||$11,621|
|Single 17-year-old male||$10,643||$13,719|
|Single 25-year-old female||$3,425||$3,960|
|Single 25-year-old male||$3,571||$4,503|
|Married 35-year-old female||$3,156||$3,803|
|Married 35-year-old male||$3,123||$3,857|
|Married 60-year-old female||$2,913||$3,445|
|Married 60-year-old male||$2,991||$3,681|
For those 25 and older, Liberty Mutual car insurance rates are 21% higher than Allstate car insurance rates on average.
Allstate is a better choice than Liberty Mutual if you have a teen driver.
You can save up to 27% by insuring your teen driver through Allstate compared to Liberty Mutual.
Allstate vs. Liberty Mutual car insurance: which is cheaper based on driving record?
No matter what car insurance company you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your car insurance premium, as you become a greater risk to insure.
|Driving Record||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|With one speeding violation||$4,484||$5,701|
|With one accident||$4,988||$6,205|
|With one DUI||$6,261||$7,613|
Both Liberty Mutual and Allstate take infractions seriously. Allstate car insurance rates increase by 17 to 63% as you rack up speeding tickets, cause accidents, or drive under the influence.
Liberty Mutual car insurance rates for those with an imperfect driving record are a bit lower, but not enough to make a huge difference when choosing between the two companies. Liberty Mutual rates increase by only 19 to 59%.
Whether you pick Allstate or Liberty Mutual, your rates will be higher with a poor driving record. However, Liberty Mutual’s increases are a few percentage points lower than Allstate’s, and that can make a difference.
Allstate vs. Liberty Mutual car insurance: which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as incurring medical debt or going through a divorce, your good credit score will drop in a matter of months.
It is legal for car insurance providers to base premiums on your credit score in most states; however, some have banned this practice along with gender and marital status dependent rates.
Car insurance providers justify using your credit score to decide your rates based on the premise that people with higher credit scores are more responsible and therefore less likely to file a claim.
Let’s take a look at how Allstate and Liberty Mutual might set your rates based on your credit score.
|Credit History Summary||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|Good Credit (670-739)||$3,860||$4,388|
|Fair Credit Score (580-669)||$4,581||$5,604|
|Poor Credit Score (300-579)||$6,491||$8,802|
Allstate is more lenient than Liberty Mutual on those with fair or poor credit. These drivers will pay higher rates with Allstate (19 to 68% more) compared to those with good credit.
If you choose Liberty Mutual and you have a poor credit score, expect your rates to be at least double those of drivers with good credit.
If you have a credit score on the lower end, Allstate is the better choice.
Some states have banned car insurance companies from checking credit scores. Be sure to check out our car insurance by state page before judging Allstate and Liberty Mutual car insurance rates based on credit score alone.
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Does Allstate or Liberty Mutual have better car insurance discounts?
Discounts from car insurance providers vary widely, depending on the principles and ideology of the company.
That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.
|Discounts||Allstate Discounts Offered (Percentage)||Liberty Mutual Discounts Offered (Percentage)|
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||2||5|
|Electronic Stability Control||2||5|
|Forward Collision Warning||N/A||5|
|On Time Payments||5||N/A|
|Students & Alumni||N/A||10|
Allstate has 24 car insurance discounts, and Liberty Mutual has 28 discounts.
The highest discount you can get with Liberty Mutual is 35%, and that is for having a vehicle recovery system.
Allstate offers three discounts between 30 and 35%, and those are for having airbags, being claim-free, and being a distant student.
The discounts provided by car insurance providers also target particular categories of drivers, so be sure to ask if there are any extra discounts when you get your Liberty Mutual and Allstate quotes.
Also, ask about your bundling options. If you bundle your car insurance policy with an Allstate or Liberty Mutual home insurance policy, you can save even more.
What types of car insurance coverages are offered by Allstate and Liberty Mutual?
Since Allstate and Liberty Mutual are two of the 10 companies that make up the majority of the car insurance market share, they have the means to provide a broader range of coverages beyond the six standard car insurance coverages mentioned below.
Before buying each one, make sure you understand all of your car insurance coverage options.
- Liability car insurance coverage (bodily injury and property damage)
- Comprehensive car insurance coverage
- Collision car insurance coverage
- Uninsured/underinsured car insurance coverage
- Medical payments (MedPay) car insurance coverage (particularly important in states that require no-fault car insurance)
- Personal injury protection (PIP) car insurance coverage
Be sure to take a closer look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.
Does Allstate or Liberty Mutual have better car insurance mobile apps?
In the last decade or so, usage-based car insurance has become an industry standard, and all of the larger car insurance providers have a driving app or telematic mechanism you can install in your car.
The app or device will usually earn you a discount if you’re a safe driver.
A more general app is also offered by major car insurance providers to allow you to access your policy, make adjustments, and pay your bill.
In both the general app and the driving app, your Allstate login or Liberty Mutual insurance login would be the same.
If you do not wish to use the app, you can always call the Allstate or Liberty Mutual phone number to speak with an agent.
How do Allstate and Liberty Mutual car insurance compare on financial strength and customer satisfaction?
It is a major financial commitment to buy car insurance, so you want to be sure you’re choosing the right company that will have your back when you need it.
Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.
Insight into these factors is provided by the following three agencies:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score possible from A.M. Best is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and Liberty Mutual claims process, step by step.
In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.
In 2017, the national average complaint ratio was one. The lower the ratio, the better.
Let’s take a closer look at ratings from credible third-party agencies for Allstate and Liberty Mutual.
|Agencies||Allstate Ratings||Liberty Mutual Ratings|
|AM Best||A+ (Excellent)||A (Excellent)|
|NAIC Complaint Ratio||0.5 (total of 163 complaints)||5.95 (total of 222 complaints)|
Both Allstate and Liberty Mutual are highly competitive in keeping customer satisfaction through the claims process high. The financial future of both companies is strong.
However, Liberty Mutual customer service has a higher complaint ratio. Before choosing Liberty Mutual, be sure to get more details on the NAIC website.
Before you buy Allstate vs. Liberty Mutual car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
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