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Allstate vs Liberty Mutual: Compare discounts and ratings

Marie Denis
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Allstate vs Liberty Mutual car insurance

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. Car insurance through Liberty Mutual will give coverage options for almost any situation.
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
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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 Available states
Progressive
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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More Info
Liberty Mutual
Liberty Mutual
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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More Info
Root
Root
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
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. Available in 24 states.
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Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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The General
The General
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
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