GEICO vs. Liberty Mutual: Which Car Insurance Is Cheaper?
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UPDATED: May 27, 2021
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- GEICO car insurance is cheaper than Liberty Mutual on average
- Both companies received good financial and Better Business Bureau ratings
- GEICO is ranked higher in customer satisfaction than Liberty Mutual by J.D. Power
In our GEICO 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 GEICO vs. Liberty Mutual car insurance companies.
Which company will provide the best and cheapest car insurance for you? We look at each company’s pros and cons by comparing pricing, discounts, financial ratings, and customer service ratings.
Keep reading to compare affordable GEICO vs. Liberty Mutual car insurance quotes, or enter your ZIP code to compare multiple companies in your area.
Is GEICO car insurance or Liberty Mutual car insurance cheaper?
Car insurance companies weigh a number of factors when deciding your rates. Your age, driving history, and credit score are all common considerations.
These individual factors will determine how affordable GEICO vs. Liberty Mutual car insurance is for you.
The first thing we’ll look at is how age influences car insurance rates. We all know that younger drivers pay higher insurance rates, but you might be surprised to see just how much higher.
|Age, Gender, and Marital Status||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$5,405.23||$,9875.56|
|Single 17-year-old male||$5,955.63||$12,181.54|
|Single 25-year-old female||$2,312.93||$3,287.35|
|Single 25-year old male||$2,171.06||$3,502.13|
|Married 35-year-old female||$2,253.30||$,3085.88|
|Married 35-year-old male||$2,237.96||$3,179.88|
|Married 60-year-old female||$2,107.40||$2,706.04|
|Married 60-year-old male||$2,188.44||$3,088.10|
Liberty Mutual insurance rates are over a thousand dollars more expensive on average each year in every age group, with teen drivers paying over $5,000 more.
Your driving record affects your car insurance rates significantly. Tickets, accidents, and DUIs can cause rates to skyrocket.
|Driving Record||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates|
|With 1 accident||$3,192.77||$6,204.78|
|With 1 DUI||$4,875.87||$7,613.48|
|With 1 speeding violation||$2,645.43||$5,701.26|
GEICO’s annual car insurance rates are thousands of dollars cheaper than Liberty Mutual’s, regardless of whether you have a clean driving record or not.
Did you know that your credit history may have an effect on the cost of your car insurance? Car insurance companies believe having a good credit score makes you more likely to pay for damages out of pocket and less likely to file a claim.
|Credit History||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates|
For all credit types, GEICO insurance is considerably cheaper than Liberty Mutual.
Remember: your Liberty Mutual or GEICO quote will depend on your personal situation.
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 GEICO vs. Liberty Mutual car insurance rates based on credit score alone.
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Does GEICO or Liberty Mutual have better car insurance discounts?
Auto insurance discounts can lower your rates significantly, and most companies offer a variety of ways to save. Commonly offered discounts include good student, occupation, and multi-car discounts.
This table shows you the discounts available from GEICO and Liberty Mutual, as well as the discount’s value if it is known. See which company will provide you with the best deal.
|Car Insurance Discounts||GEICO (%)||Liberty Mutual (%)|
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||1||5|
|Electronic Stability Control||N/A||5|
|Forward Collision Warning||N/A||5|
|Lane Departure Warning||N/A||x|
|New Customer/New Plan||N/A||x|
|Seat Belt Use||15||N/A|
|Students & Alumni||x||10|
Both companies have many discounts, but they do not always have the same discounts.
For example, GEICO provides a discount for signing up early, while Liberty Mutual does not. GEICO does not give a discount for being married, though Liberty Mutual does.
You may also have the option to save more by bundling your auto insurance policy with your life insurance policy or home insurance policy.
You can also call the Liberty Mutual customer service number or GEICO customer service number to check for more discounts.
Looking for the Liberty Mutual insurance phone number or GEICO insurance phone number? Just check their websites.
How do GEICO and Liberty Mutual compare in financial strength and customer satisfaction?
A.M. Best ranks how likely businesses are to fulfill their commitments by looking at their financial stability. GEICO was given an A++ ranking, suggesting that it has a superior potential to fulfill financial obligations.
Liberty Mutual was given an A, indicating that it has a strong ability to fulfill its financial obligations.
The Better Business Bureau gave both GEICO and Liberty Mutual an A+ rating. This should give you peace of mind when deciding to buy GEICO vs. Liberty Mutual car insurance.
Companies are rated by J.D. Power based on customer satisfaction in areas like price, billing, coverages provided, and ease of the claims process. GEICO fared better than the majority, though Liberty Mutual reviews came in near the bottom.
Both companies can be contacted via mobile apps and websites. All you need is your Liberty Mutual login or GEICO login.
You can access your ID cards, pay bills, and view your coverages. You can also use your GEICO or Liberty Mutual username to file Liberty Mutual or GEICO claims.
Additional coverages, such as roadside assistance, are available through the app or website, and you can also access your GEICO or Liberty Mutual homeowners insurance policy.
In most cases, when you get your Liberty Mutual or GEICO auto insurance quote, you can get quotes for other insurance policies and bundle to save more.
You might be wondering, “What does GEICO stand for?” Although it started as the Government Employees Insurance Company, GEICO now offers insurance to everyone.
Deciding between car insurance from GEICO vs. Liberty Mutual can be a difficult decision, but weighing the pros and cons can help you decide if one of these companies is right for you.
Now that you’ve compared GEICO vs. Liberty Mutual car insurance, enter your ZIP code to see quotes from multiple car insurance companies in your area.
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