1. States
  2. LibertyMutualvs.StateFarm:WhichCarInsuranceIsCheaper

Liberty Mutual vs. State Farm: 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 ...

Full Bio →

Written by

UPDATED: Jun 4, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key Takeaways

  • State Farm car insurance rates are much cheaper than Liberty Mutual
  • State Farm has slightly higher financial and customer satisfaction ratings than Liberty Mutual
  • Liberty Mutual received an A+ rating from the BBB, but State Farm isn’t rated

You have many 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 Liberty Mutual vs. State Farm 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.

Before jumping into this Liberty Mutual vs. State Farm car insurance review, enter your ZIP code to compare multiple companies in your area.

Is Liberty Mutual car insurance or State Farm car insurance cheaper?

You might be surprised to learn exactly what factors determine car insurance rates. Car insurance companies look at everything from your age, gender, marital status, driving record, and credit history to determine your rates.

These factors can make the difference in determining how affordable Liberty Mutual vs. State Farm car insurance is for you.

Let’s take a look at Liberty Mutual vs. State Farm car insurance rates using some of those factors to see who can offer you the best deal.

This table shows you the average annual car insurance rates for both companies based on your demographics.

Liberty Mutual vs. State Farm Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesState Farm Average Annual Rates
Single 17-year-old female$9,875.56$4,875.91
Single 17-year-old male$12,181.54$6,130.77
Single 25-year-old female$3,287.35$1,979.45
Single 25-year old male$3,502.13$2,176.45
Married 35-year-old female$3,085.88$1,734.93
Married 35-year-old male$3,179.88$1,734.93
Married 60-year-old female$2,706.04$1,558.06
Married 60-year-old male$3,088.10$1,558.06
Get Your Rates Quote Now
Compare RatesStart Now →

State Farm is much cheaper than Liberty Mutual, no matter your age. However, 17-year-old male drivers will save the most with State Farm.

Another important factor that car insurance companies use to calculate your rates is your driving record. If you have accidents, tickets, or DUIs, you will spend a lot more on your insurance than if you have a clean driving record.

Liberty Mutual vs. State Farm Average Annual Car Insurance Rates by Driving Record
Driving RecordLiberty Mutual Average Annual RatesState Farm Average Annual Rates
Clean record$4,774.30$2,821.18
With 1 accident$6,204.78$3,396.01
With 1 DUI$7,613.48$3,636.80
With 1 speeding violation$5,701.26$3,186.01
Get Your Rates Quote Now
Compare RatesStart Now →

Liberty Mutual is more expensive than State Farm, regardless of driving record. Drivers with DUIs will pay the most with Liberty Mutual. You might be surprised to learn your credit score affects your car insurance rates.

Insurance companies believe that you are less likely to file Liberty Mutual or State Farm claims if you have a higher credit score and are more willing to pay out of pocket for damages.

Liberty Mutual vs. State Farm Average Annual Car Insurance Rates by Credit History
Credit HistoryLiberty Mutual Average Annual RatesState Farm Average Annual Rates
Good$4,388.18$2,174.26
Fair$5,604.24$2,853.00
Poor$8,802.22$4,951.20
Get Your Rates Quote Now
Compare RatesStart Now →

Once again, State Farm is considerably cheaper than Liberty Mutual, whether you have good, fair, or poor credit.

You may live in a state like California where basing car insurance on credit scores is illegal. Check out our car insurance by state page before judging Liberty Mutual vs. State Farm car insurance quotes based on credit score alone.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Does Liberty Mutual or State Farm have better car insurance discounts?

Car insurance discounts are a great way to lower your rates. Most companies offer you numerous typical discounts, such as multi-vehicle and good student discounts.

Most companies also allow you to bundle policies to save even more. For example, if you choose between Liberty Mutual vs. State Farm home insurance, you can add a discount to your car insurance for having multiple policy types.

This table shows you the car insurance discounts offered by Liberty Mutual and State Farm. If the amount of the discount is known, it is included. See which company can provide you with the most deals.

Liberty Mutual vs. State Farm Car Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)State Farm (%)
Adaptive Cruise Control5N/A
Adaptive Headlights5N/A
Anti-lock Brakes55
Anti-Theft2015
Claim Freex15
Daytime Running Lights5N/A
Defensive Driver105
Distant StudentN/Ax
Driver's Ed1015
Driving Device/App3050
Electronic Stability Control5N/A
Federal Employee10N/A
Forward Collision Warning5N/A
Full Payment$5N/A
Further Education10N/A
Good CreditN/Ax
Good Student22.525
Green Vehicle10N/A
Homeownerx3
Lane Departure WarningxN/A
Low Mileagex30
Marriedxx
Membership/Group10N/A
Military4x
Multiple Policies2017
Multiple Vehicles1020
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/A40
Newly Licensed5N/A
Newlyweds5N/A
Occupation10N/A
Paperless/Auto Billingx$2
Passive Restraintx40
Recent Retirees4N/A
Safe DriverN/A15
Students & Alumni10N/A
Switching Provider10N/A
Vehicle Recovery355
VIN Etching5N/A
Young DriverxN/A
Get Your Rates Quote Now
Compare RatesStart Now →

Although both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a federal employee discount, and State Farm doesn’t.

However, State Farm offers a safe driver discount, and Liberty Mutual does not.

If you choose one of these companies, inquire about accident forgiveness before you file with the Liberty Mutual or State Farm claims department.

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

If you are a food delivery driver, you will need more coverage, so consider going with Liberty Mutual or State Farm commercial car insurance.

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

A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, showing it has an excellent ability to meet financial obligations. State Farm received an A+, demonstrating a superior ability to meet its obligations.

When it comes to the Better Business Bureau (BBB), Liberty Mutual is accredited and has an A+ rating. State Farm is not accredited or rated.

J.D. Power also ranked both companies for customer satisfaction on factors like what is offered, billing, price, and claims. Liberty Mutual ranked at or below average in most regions, while State Farm ranked average.

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

You can also get this information using the Liberty Mutual customer service number and State Farm 1-800 numbers.

Before you buy Liberty Mutual vs. State Farm 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.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles