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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.

 

In this article:

 


 

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

4.0

4.5

Superlative

Best for Teens

Best for Students

Availability

50 states

48 states*

Coverage

4.5

4.0

Cost

3.5

4.0

Customer Service

3.5

3.5

AM Best Financial Strength Rating

A

A++

J.D. Power Claims Satisfaction

867/1,000

881/1,000

Mobile App Google Play Rating

4.7

4.7

 

*Although State Farm advertises nationwide availability, the company is no longer taking on new customers in Massachusetts or Rhode Island. Find out more about Massachusetts car insurance and Rhode Island car insurance in our state insurance roundups.

 


 

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)

Collision

Comprehensive

Personal Injury Protection (PIP)

Medical Payments (MedPay)

Uninsured/Underinsured Motorist (UM/UIM)

Roadside Assistance

Towing Services

Rental Car Reimbursement

Rideshare Insurance

 

Accident Forgiveness

 

Gap Insurance

 

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

Multiple Vehicle

Multiple Policy

Good Student

Safe Driver

Driver Training

Vehicle Safety

Anti-Theft

Accident-Free

Student Away At School

Defensive Driving

 

Passive Restraints

 

Homeowner

 

Military

 

Early Shopper

 

Alternative Energy

 

Violation-Free

 

Automatic Payment

 

Pay in Full

 

Online Purchase

 

Paperless Policy

 

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

Auto Insurance

Home Insurance

Renters Insurance

Motorcycle Insurance

RV Insurance  
Boat Insurance
Umbrella Policies  
Flood Insurance  
Life Insurance
Accident Insurance  

Pet Insurance

 
Identity Theft Protection  
ATV Insurance  
Motorhome Insurance  

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 2020 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
California 836

786

Central 849

842

Florida 826

837

Mid-Atlantic 855

816

New England 855

813

New York 851

832

North Central 829

816

Northwest 814

817

Southeast 835

822

Southwest 826

816

Texas 844

837

Customer Reviews

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 4.5 and 4.0, respectively. The provider that we named best overall was Geico.

Geico Insurance logo

Geico: 4.5 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.

 


 

Methodology

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.

 

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