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Farmers vs. Liberty Mutual: Which provider is better for you?

Farmers vs. Liberty Mutual

Ley Ramirez
Ley Ramirez

Updated

Fact checked

Are you considering Farmers and Liberty Mutual for auto insurance? Both are big names in the industry. Farmers has been around since 1928, and Liberty Mutual was established in 1912.

Both providers have a good reputation for customer satisfaction, with Farmers getting an A- from the Better Business Bureau, and Liberty an A+. And both make insurance more affordable by offering multiple discounts.

Having a hard time making your decision? We don’t blame you. With all of those similarities, how do you choose? Fear not! We’ve lined up Farmers and Liberty Mutual in a side-by-side comparison to make the decision easier for you.

Our top pick: Liberty Mutual

Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

  • Get coverage with new car replacement or a lowering deductible fund
  • Access convenient online tools for claims or coverage updates
  • Rewards safe driving with low rates and accident forgiveness
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Promoted
 

Farmers

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Liberty Mutual

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OVERVIEW

 OVERVIEW
About the provider
About the brand Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options. Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
States served
States served All 50 states All 50 states

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
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods Online
Phone
 Online
Phone
Payment schedule
Payment schedule 12 months
custom
Monthly
 12 months
monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No Yes
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 Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more
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Bottom line

If you’re looking for good driver and good grade discounts, Farmers is the best choice for you. But if you want a pay-in-full discount, you’ll want to go with Liberty Mutual. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Farmers and Liberty Mutual

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Get quotes
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
Esurance
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Get quotes
More Info
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Compare up to 4 providers

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