Compare Allstate vs. Liberty Mutual car insurance | finder.com

Allstate vs. Liberty Mutual: Compare discounts and ratings

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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.

  • 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 car insurance

Allstate

Liberty Mutual

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 car insurance

Allstate

Liberty Mutual

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 car insurance

Allstate

Liberty Mutual

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.

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
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
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.
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.
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.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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