Choosing a car insurance provider can be tough work: you have to compare costs, find the right coverage, and ultimately choose the provider that will give you the best customer experience. When it comes to Liberty Mutual vs. State Farm, we’ve got you covered with this in-depth comparison of the two well-known auto insurance companies.
If you’re ready to start comparing prices between major car insurance providers in your area, including Liberty Mutual and State Farm, enter your zip code above to get free, personalized quotes.
Liberty Mutual And State Farm Highlights
Our research found that Liberty Mutual auto insurance is the best car insurance company for teen drivers and State Farm auto insurance is the best insurance for college students, given the discounts and attractive coverage options afforded to these groups. However, other drivers will find great coverage with both companies as well.
|Criterion||Liberty Mutual||State Farm|
|Overall Star Rating||4.5||4.6|
|Superlative||Best for Teens||Best for Students|
|Availability||50 states||48 states*|
|AM Best Financial Strength Rating||A||A++|
|J.D. Power Claims Satisfaction||876/1,000||892/1,000|
|Mobile App Google Play Rating||4.7||4.6|
Liberty Mutual Vs. State Farm: Coverage
Both State Farm and Liberty Mutual offer competitive coverage options, but Liberty Mutual outshines State Farm by providing a few more choices to its customers.
Here’s a breakdown of State Farm vs. Liberty Mutual coverage offerings:
|Insurance Coverage||Liberty Mutual||State Farm|
|Bodily Injury Liability (BI)||✓||✓|
|Property Damage Liability (PD)||✓||✓|
|Personal Injury Protection (PIP)||✓||✓|
|Medical Payments (MedPay)||✓||✓|
|Uninsured/Underinsured Motorist (UM/UIM)||✓||✓|
|Rental Car Reimbursement||✓||✓|
|Liberty Mutual Deductible Fund®||✓|
|Teachers Car Insurance||✓|
|Mexico Tourist Car Insurance||✓|
|New Car Replacement||✓|
|Better Car Replacement||✓|
|Lifetime Repair Guarantee||✓|
|Original Parts Replacement||✓|
Liability coverage, comprehensive, collision, MedPay, PIP, and UM/UIM insurance are all standard coverages when it comes to car insurance. Most states require certain limits of liability car insurance, whereas the rest are often optional.
Liberty Mutual Standout Coverage
Liberty Mutual Deductible Fund: Customers can lower their car insurance deductible by $100 each year by contributing $30 to a deductible fund.
Teacher’s car insurance: This type of insurance is exclusively available to teachers at no additional cost. It includes vandalism loss protection when your vehicle is parked at school or a school event, personal property coverage for teaching materials and school-owned property, and collision coverage when you’re driving on school-related business.
Mexico tourist car insurance: Did you know that if you’re driving to Mexico, you need coverage by an admitted and authorized Mexico insurer? Liberty Mutual’s partner MexPro offers customizable insurance plans so your coverage doesn’t stop at the border.
Lifetime repair guarantee: After an accident, Liberty Mutual will make arrangements for your repairs and guarantee them for as long as you own your vehicle. The only stipulation is that you need to choose to have your repairs done at one of Liberty Mutual’s 2,000 guaranteed repair network facilities.
State Farm Standout Coverage
Gap insurance: Although both car insurance companies offer gap insurance, State Farm’s gap insurance is called Payoff Protector® and is available as an add-on through State Farm Bank.
Rideshare insurance: This type of coverage is especially valuable for customers who drive with Uber, Lyft, or another ridesharing service. It provides medical coverage for you and your passengers, emergency roadside assistance, and rental car reimbursement.
Final Thoughts On Coverage
Although Liberty Mutual has more coverage options than State Farm, not everyone will need every type of coverage. Auto insurance for teachers and road trips to Mexico is great when it applies to you, but if you don’t need it, State Farm can be a great option for standard coverage.
Liberty Mutual Vs. State Farm: Cost And Discounts
If you’re wondering how much auto insurance will cost with Liberty Mutual or State Farm, the answer is: it depends. The cost of car insurance varies based on many factors, including your age, location, driving history, and ultimately what provider you choose to underwrite your insurance policy.
To collect and compare free quotes from providers available in your state, call (844) 246-8209 or use the tool below.
Our research into Liberty Mutual vs. State Farm car insurance shows that State Farm is generally more affordable than Liberty Mutual. Luckily, no matter which company you choose, there are plenty of discount opportunities you could qualify for to get cheaper car insurance.
|Common Discounts||Liberty Mutual||State Farm|
|Student Away At School||✓||✓|
|Pay in Full||✓|
Bundling Car Insurance
If you are thinking of bundling your auto insurance with another type of insurance, it is important to understand what each company offers.
|Insurance Products||Liberty Mutual||State Farm|
|Identity Theft Protection||✓|
Drive Safe & Save™ Vs. RightTrack®
Both companies offer usage-based savings programs through a plug-in device or mobile app that monitors safe driving habits. State Farm’s program is called Drive Safe & Save, and Liberty Mutual’s is called RightTrack. See the chart below for a quick comparison between the two programs.
|Drive Safe & Save||RightTrack|
|Monitors driving through the Drive Safe & Save mobile app, plug-in device, or OnStar||Monitors driving through the Liberty Mutual mobile app or plug-in device|
|Up to 30 percent off your auto insurance for safe driving||Guaranteed savings between 5 and 30 percent|
|3.6 stars on Google Play||3.9 stars on Google Play|
Final Thoughts On Cost
While Liberty Mutual has more available discounts than State Farm, Liberty Mutual’s rates are more expensive in general. We’ll leave it to you to decide which company wins this round – consider which discounts would apply more to you and your vehicle.
Liberty Mutual Vs. State Farm: Ratings And Reviews
State Farm has Liberty Mutual beat when it comes to expert ratings, with better scores from AM Best and the BBB. This tells us that State Farm is more financially sound to pay out claims than Liberty Mutual. State Farm also has more transparent business practices according to the BBB.
Additionally, according to J.D. Power’s 2021 U.S. Auto Insurance Satisfaction Study℠, State Farm beats Liberty Mutual in almost every region in the nation when it comes to overall customer satisfaction. See the table below to compare Liberty Mutual vs. State Farm satisfaction scores by region.
|Region||State Farm||Liberty Mutual|
If you compare Liberty Mutual vs. State Farm in terms of customer reviews, it’s clear that Liberty Mutual struggles with communication. BBB complaints reference rude and demeaning representatives, unclear rate increases, and slow claims processing. Positive reviews for Liberty Mutual highlight representatives that go above and beyond and fair appraisals.
BBB customer reviews for State Farm are equally mixed. Complaints focus on the auto insurance company’s poor customer service representatives and lack of respect for long-time policyholders. Positive customer reviews center around fast claims processing and fair rates.
Final Thoughts On Ratings And Reviews
Overall, individual experiences with either car insurance company have to do with location. We recommend reading local reviews specific to your location when considering Liberty Mutual or State Farm. So, which company pulls ahead this round? We have to go with AM Best and BBB on this one and give it to State Farm.
Liberty Mutual Or State Farm: Which Is Best?
Both Liberty Mutual and State Farm are excellent choices for car insurance. Liberty Mutual is available in all 50 states and offers a variety of coverage options and discounts. State Farm has lower costs overall and better ratings from industry leaders. When we compare Liberty Mutual vs. State Farm directly, we think State Farm is the best choice in the states where you can get it, but we recommend getting auto insurance quotes from both companies to compare pricing.
Use our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes and save money.
Other Top Car Insurance Providers
We recently reviewed the best car insurance companies nationwide, and State Farm and Liberty Mutual were two of the providers that came out near the top of our list with star ratings of 4.6 and 4.5, respectively. The provider that we named best overall was Geico.
Geico: 4.6 Stars
As the second-largest auto insurer in the country, Geico is our first choice for insurance for its extensive coverage and low rates. In addition to standard coverage, you can get things like roadside assistance, rental car reimbursement, and mechanical breakdown insurance.
Geico has competitive discounts for military members, federal employees, student drivers, and more. The company is rated highly across the board, with an A+ BBB rating and an A++ financial strength rating from AM Best. And just last year, Geico rolled out a new usage-based insurance program to help drivers save even more on car insurance. Read more in our full Geico auto insurance review.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.