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Allstate vs Liberty Mutual: Compare discounts and ratings

Allstate vs Liberty Mutual car insurance

Julia Cameron
Julia Cameron

Last updated:

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AllState offers customized auto insurance coverage with a wealth of resources for drivers, and comes in as the third-largest auto insurance provider in the US. Getting high praise from its customers, Allstate gets an A- from the Better Business Bureau.

Both Allstate and Liberty get a 3 out of 5 (“about average”) in J.D. Power’s 2016 study on customer satisfaction with the claims process. And both providers offer discounts for anti-theft devices and anti-lock brakes.

With many similarities between Allstate and Liberty, choosing could be a challenge. But we’ve lined up both providers side by side so you can easily compare the two.

  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Our top pick: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent
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Promoted
 

Allstate

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Liberty Mutual

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OVERVIEW

 OVERVIEW
About the provider
About the brand Enjoy having your own dedicated agent to help you get the best discounts and coverage. Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
States served
States served All 50 states All 50 states
User satisfaction
User satisfaction 2.5 stars 2 stars
JD Power ratings
JD Power ratings 3 stars 5 stars

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Accident forgiveness Yes Yes
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods online
phone
in-person
 online
phone
Payment schedule
Payment schedule 12 months
monthly
 12 months
monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Up to 10% Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Up to 10% Yes
Special employment discount
Special employment discount Yes Yes
Student discount
Student discount Up to 20%, under 25 Yes
Usage based discount
Usage based discount Yes - up to 20% cash back Yes
Other discounts
Other discounts Economy car – Up to 10% Newly married discount
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Learn more
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Bottom line

If you’re looking for driver discounts like good driver or pay in full, then Allstate is your better choice. These discounts along with its A- rating give this provider the edge over Liberty.

If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Allstate and Liberty Mutual

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
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Geico
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
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The Hartford
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
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Metromile
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
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Root
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
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Clearcover
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
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Gabi
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
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Allstate
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Get quotes
More Info

Compare up to 4 providers

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