Allstate vs Liberty Mutual: Compare discounts and ratings

Allstate vs Liberty Mutual car insurance

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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
Promoted
 

Allstate

Liberty Mutual

OVERVIEW

OVERVIEW
About the provider
About the brand Enjoy having your own dedicated agent to help you get the best discounts and coverage. Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
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 No
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
Learn more
Learn more

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
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AZ, CA, IL, NJ, OR, PA, VA, WA
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All states except AK, HI, LA, MI, RI
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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
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
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Optional
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Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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