Liberty Mutual vs. USAA: Which Car Insurance Is Cheaper?
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UPDATED: Jun 7, 2021
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- USAA has cheaper car insurance rates than Liberty Mutual; however, USAA offers car insurance only to active, inactive, and retired military members and their immediate family members
- Liberty Mutual has an impressive number of discounts and substantial savings of up to 35%
- USAA car insurance for teen drivers is 57% cheaper than Liberty Mutual
- Liberty Mutual drivers that get traffic violations will have an increase in rates, but USAA’s rate increases are greater
You have a lot of choices when it comes to auto insurance companies, and comparing them side by side will help you narrow down your options.
In this guide, we’ll look at the pros and cons of Liberty Mutual vs. USAA car insurance companies.
Which company will provide the best and cheapest car insurance for you? We’ll compare rates, discounts, financial ratings, and customer satisfaction ratings to help you answer that question.
Before jumping into his Liberty Mutual vs. USAA car insurance review, enter your ZIP code to compare multiple companies in your area.
Is Liberty Mutual car insurance or USAA car insurance cheaper based on age?
Generally speaking, the older we get, the more driving experience we have. Auto insurance companies use age as one of the most influential factors in determining your car insurance rates.
It’s legal to base car insurance rates on marital status and gender in most states; however, some have banned this practice. Let’s compare Liberty Mutual and USAA car insurance rates based on age, gender, and marital status.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||USAA Average Annual Rates|
|Single 17-year-old female||$11,621||$4,808|
|Single 17-year-old male||$13,719||$5,386|
|Single 25-year-old female||$3,960||$1,989|
|Single 25-year-old male||$4,503||$2,126|
|Married 35-year-old female||$3,803||$1,551|
|Married 35-year-old male||$3,857||$1,540|
|Married 60-year-old female||$3,445||$1,450|
|Married 60-year-old male||$3,681||$1,449|
USAA insurance rates are around half the price of Liberty Mutual’s car insurance rates for drivers ages 17-35.
Teen car insurance rates are expensive, so if you have a young driver on your policy and you’re eligible for USAA coverage, take advantage of their reasonable prices.
Is Liberty Mutual car insurance or USAA car insurance cheaper based on driving record?
Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick because these infractions make you look like a high-risk driver.
|Group||Liberty Mutual Average Annual Rates||USAA Average Annual Rates|
|With one speeding violation||$5,701||$2,193|
|With one accident||$6,205||$2,516|
|With one DUI||$7,613||$3,506|
In general, USAA has cheaper car insurance rates than Liberty Mutual for drivers with any type of driving record.
USAA is also less punitive with customers who get a speeding ticket. If you get a speeding ticket while with USAA, expect your rates to increase by only 13%.
Causing an accident will increase your USAA car insurance rates by 30%, and if you get a DUI, your rates will increase by more than 80%.
Liberty Mutual and USAA increase their rates by the same amount if you cause an accident. However, if you get a speeding ticket while with Liberty Mutual, your rates will increase by 19%, which is more than USAA will increase your rates.
Both USAA and Liberty Mutual take DUIs very seriously, but Liberty Mutual will increase your rates by only 59% compared to USAA’s 81%.
Is Liberty Mutual car insurance or USAA car insurance cheaper based on credit score?
A good credit score can drop in a matter of months if you experience some type of financial trauma, such as incurring medical debt or going through a divorce.
In most states, it is legal for car insurance companies to base rates on your credit score; however, some are outlawing this practice along with basing rates on gender and marital status.
Car insurance companies justify using your credit score to determine your rates based on the assumption that those with higher credit scores are more responsible and less likely to file a claim.
Let’s take a look at how Liberty Mutual and USAA set rates for drivers with low credit scores.
|Credit History||Liberty Mutual Average Annual Rates||USAA Average Annual Rates|
|Good Credit (670-739)||$4,388||$1,821|
|Fair Credit Score (580-669)||$5,604||$2,220|
|Poor Credit Score (300-579)||$8,802||$3,691|
Again, USAA comes in cheaper than Liberty Mutual if you have bad credit.
If your credit score tanks while with either company, expect to pay more than twice as much as drivers with good credit.
You may live in a state, such as California or Michigan, where basing car insurance on credit score is illegal.
Be sure to check out our car insurance by state page before judging Liberty Mutual vs. USAA car insurance rates based on credit score alone.
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Does Liberty Mutual or USAA have better car insurance discounts?
Auto insurance company discounts vary widely. That’s why it pays to shop around, especially if you have a bad driving record or a low credit score. Discounts can help offset high rates.
|Discounts||Liberty Mutual Discounts Offered (Percent)||USAA Discounts Offered (Percent)|
|Adaptive Cruise Control||5||N/A|
|Daytime Running Lights||5||N/A|
|Electronic Stability Control||5||N/A|
|Forward Collision Warning||5||N/A|
|Students & Alumni||10||N/A|
When comparing all discounts that either company offers, Liberty Mutual has a total of 24 car insurance discounts while USAA has only 14 discounts.
Even though USAA has cheaper rates, they have fewer and less substantial discounts. USAA’s best car insurance discounts are 75% off for young drivers and 90% for garaging your vehicle while deployed.
On the other hand, Liberty Mutual offers solid discounts ranging from 20% to 35% for having anti-theft technology or a vehicle recovery system in your car, bundling policies like home insurance with your car insurance, and using the company’s driving app or device.
The discounts offered by car insurance companies often target specific types of drivers, so when you get your USAA and Liberty Mutual quotes, be sure to ask if there are any additional discounts available.
What types of car insurance coverages are offered by Liberty Mutual and USAA?
Since Liberty Mutual and USAA are two of the 10 companies that make up most of the car insurance market share, they have the means to offer a wider variety of car insurance coverages beyond the standard six coverages listed below.
Be sure you understand the various car insurance coverage types before purchasing each one:
- 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
Also, look into 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 Liberty Mutual or USAA have better car insurance mobile apps?
Usage-based car insurance has become an industry trend in the last decade or so, and all of the bigger car insurance companies have a driving app that uses your mobile phone or a device installed in your vehicle.
Large car insurance companies also provide a more general app to enable you to view your policy, make changes, and pay your bill.
Usually, your Liberty Mutual login or USAA login will work with both the general app and the driving app.
How do Liberty Mutual and USAA car insurance compare in financial strength and customer satisfaction?
Don’t base your decision on affordable Liberty Mutual vs. USAA car insurance quotes alone. Always do your research and read reviews.
Buying car insurance is a big financial responsibility, so you want to make sure you are choosing the right company that will be there for you when you need it.
A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be examined before you make your decision.
The following three agencies provide insight into these factors:
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 A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Liberty Mutual claims process and the USAA 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 calculates (NAIC) 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.
Before you buy Liberty Mutual vs. USAA car insurance, take a look at external ratings for Liberty Mutual and USAA.
|Rating Agency||Liberty Mutual Ratings||USAA Ratings|
|AM Best Rating||A||A++|
|NAIC Company Complaint Ratio||5.95||0.74|
|NAIC Total Complaints||222||296|
Liberty Mutual and USAA are on top of things when it comes to external financial ratings. In fact, USAA holds the highest possible score from A.M. Best.
USAA has one of the best reviews of customer satisfaction through the claims process, but Liberty Mutual’s customer service is still fairly good and on par with most of its competitors.
USAA has a much lower complaint ratio than Liberty Mutual, but be sure to get more details on the NAIC website, or call the Liberty Mutual insurance’s phone number to make an inquiry.
Additionally, 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 the USAA customer service number.
Now that you’ve compared Liberty Mutual vs. USAA car insurance, enter your ZIP code to see quotes from multiple car insurance companies in your area.
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