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

Farmers vs. Liberty Mutual

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.

	Liberty Mutual	Farmers
About the provider	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.	“Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to ensure that customers have peace of mind with its award-winning Farmers Claim Services.
Price	Policy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.	Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.
States served	All 50 states	All 50 states
User satisfaction*	A+	A-
J.D. Power ratings**	2/5 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
	Get quotes from Liberty Mutual Read review	Read Review

* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	Liberty Mutual	Farmers
Good student	Varies (under 25, B average or higher)	B average or 3.0 GPA or higher
Defensive driver
Good driver
Pay in full discount
Multicar
Military
Homeowner
Other discounts	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	Distant students – 23 or younger, 100+ miles away from home Teen driver – Single licensed driver under 19 Youthful driver – Driver under 25 in the household Transfer discount – Switch to Farmers with no lapse in coverage
	Get quotes from Liberty Mutual Read review	Read Review

Vehicle discounts

	Liberty Mutual	Farmers
Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts	Hybrid vehicle Adaptive cruise control Lane departure warning Collision preparation systems	Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol
	Get quotes from Liberty Mutual Read review	Read Review

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. As always, keep your personal situation in mind when weighing the pros and cons of each provider, and you’ll make the right choice.