Allstate vs. Liberty Mutual
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.
 Allstate |
 Liberty Mutual |
|
|---|---|---|
| About the provider | Allstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute. | Formed in 1912, Liberty Mutual is committed to delivering insurance at a competitive rate. Taking pride in operating with immense integrity, the diversified global insurer makes an effort to go above and beyond for its members. |
| Price | Policy costs depend your personal situation. Visit Allstate for a quote based on your specific needs. | Policy costs depend your personal situation. Visit Liberty Mutualfor a quote based on your specific needs. |
| States served | All 50 states | All 50 states |
| User satisfaction* | A- | N/A |
| J.D. Power ratings** | 3/5 on overall claims satisfaction | 3/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
Allstate |
Liberty Mutual |
|
|---|---|---|
| Good student | Up to 20% (full-time student, under 25). | Varies (under 25, B average or higher) |
| Defensive driver | Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims) | |
| Good driver | Up to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years. | |
| Pay in full discount | Up to 10% | |
| Multicar | ||
| Military | ||
| Homeowner | ||
| Other discounts |
Drivewise – Up to 20% cash back (based on everyday safe driving) EZ pay plan discount – Up to 5% (automatic withdrawal) Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online) Auto/life discount – Varies Multi policy discount – Up to 10% Early signing discount – Up to 10% (sign 7 days before policy becomes effective) Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months) Senior discount – Up to 10% (55+, not seeking full-time employment) Safe drivers discount – Up to 45% TeenSMART discount – Up to 10% |
Preferred payment methods discount – Pay in full or automatic payments New to Liberty Mutual vehicle discount Teen driver discount New graduate discount Newly married discount Newly moved discount Newly retired discount |
Vehicle discounts
Allstate |
Liberty Mutual |
|
|---|---|---|
| Anti-theft device | Up to 10% | |
| Anti-lock brake | 10% | |
| Passive restraints | Up to 30% | |
| Air bag | ||
| Other discounts |
New car – Up to 30% (First owner, car under 2 years old) Economy car – Up to 10% Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior) Farm vehicle – Up to 10% |
Hybrid vehicle discount Adaptive cruise control Lane departure warning Collision preparation systems |
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.
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