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Farmers vs. Liberty Mutual: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 27, 2021

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Key Takeaways

  • Farmers car insurance rates on average are cheaper than Liberty Mutual
  • Both companies score an A+ by the BBB and an A in financial ratings
  • Farmers scores about average in customer satisfaction and Liberty Mutual scores below average in most regions

In our Farmers vs. Liberty Mutual car insurance guide, we compare car insurance rates by age, driving record, and credit score.

We also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. Liberty Mutual car insurance companies.

Which company will provide the best and cheapest car insurance for you?

Keep reading to compare affordable Farmers vs. Liberty Mutual car insurance quotes, or enter your ZIP code to compare multiple companies in your area.

Is Farmers car insurance or Liberty Mutual car insurance cheaper?

There are many factors that determine your car insurance rates. Companies look at your age, gender, marital status driving record, and credit history to calculate your rates.

These factors are just a few that determine how affordable Farmers vs. Liberty Mutual car insurance is for you.

First, let’s look at Farmers vs. Liberty Mutual car insurance rates based on your demographics. This table shows you the rates for each company based on your age, gender, and marital status.

Farmers vs. Liberty Mutual Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesLiberty 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
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It is easier to find affordable Farmers car insurance, no matter your age, gender, or marital status.

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

Farmers vs. Liberty Mutual Average Annual Car Insurance Rates Based on Driving Record
Driving RecordFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$3,460.60$4,774.30
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
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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.

Farmers vs. Liberty Mutual Average Annual Car Insurance Rates Based on Credit History
Credit HistoryFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Good$3,677.12$4,388.18
Fair$3,899.41$5,604.24
Poor$4,864.14$8,802.22
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Yet again, Farmers car insurance quotes are the cheapest option, no matter your credit score. Liberty Mutual is expensive by comparison. Is Liberty Mutual better than Farmers insurance? You must be the judge.

You may live in a state, such as California, where basing car insurance on credit scores is illegal. Be sure to check out our car insurance by state page before judging Farmers vs. GEICO car insurance rates based on credit score alone.

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Does Farmers or Liberty Mutual have better car insurance discounts?

One way to get affordable Liberty Mutual car insurance quotes is through discounts. Car insurance discounts are a great way to lower your rates.

Common discounts offered by most car 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.

Farmers vs. Liberty Mutual Car Insurance Discounts
Car Insurance DiscountsFarmers (%)Liberty Mutual (%)
Adaptive Cruise ControlN/A5
Adaptive Headlightsx5
Anti-lock Brakesx5
Anti-Theftx20
Claim Freexx
Continuous CoveragexN/A
Daytime Running Lightsx5
Defensive Driverx10
Distant StudentxN/A
Driver's Edx10
Driving Device/AppN/A30
Early SigningxN/A
Electronic Stability Controlx5
Family PlanxN/A
Farm VehiclexN/A
Federal Employeex10
Forward Collision WarningN/A5
Full Paymentx$5
Further EducationN/A10
Garaging/StoringxN/A
Good Studentx22.5
Green Vehicle510
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
MarriedN/Ax
Membership/GroupN/A10
Militaryx4
Multiple Policiesx20
Multiple Vehiclesx10
New AddressN/A5
New Customer/New PlanN/Ax
New GraduateN/A5
Newer VehiclexN/A
Newly LicensedN/A5
NewlywedsN/A5
Occupationx10
Paperless DocumentsxN/A
Paperless/Auto Billingxx
Passive Restraintxx
Recent RetireesN/A4
Safe DriverxN/A
Senior DriverxN/A
Students & AlumniN/A10
Switching Providerx10
Utility VehiclexN/A
Vehicle Recoveryx35
VIN Etchingx5
Young DriverN/Ax
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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 look closely at discounts from each company as you compare Farmers car insurance rates vs. Liberty Mutual car insurance rates.

How does 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.

Both companies offer easy-to-use websites and mobile apps, allowing you to pay your bill and access your insurance information. You can also get a Farmers or Liberty Mutual quote on their respective websites.

Farmers car insurance company and Liberty Mutual car insurance company offer additional services like roadside assistance.

The Farmers roadside assistance phone number is 1-800-435 -7764. You can Liberty Mutual roadside assistance at 1-800-426-9898.

Both companies offer other insurance coverage also, such as Farmers or Liberty Mutual homeowners insurance.

Is Farmers insurance a mutual company like Liberty Mutual? Yes, Farmers offers investment opportunities, but it may depend on what state you live in.

Is deciding to buy car insurance from Farmers vs. Liberty Mutual car a difficult decision? Weigh Farmers and Liberty Mutual’s pros and cons to determine if either company is right for you.

Before you buy Farmers vs. Liberty Mutual car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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