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

Ley Ramirez
Last updated:

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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.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Car insurance through Liberty Mutual will give coverage options for almost any situation.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
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Read review
Promoted
Liberty Mutual

Liberty Mutual

 Farmers

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
Go to site | Read review


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

Driver discounts

Liberty Mutual

Liberty Mutual

 Farmers

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
Go to site | Read review

Vehicle discounts

Liberty Mutual

Liberty Mutual

 Farmers

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
Go to site | 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. 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 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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Geico
Geico
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
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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.
Go to site
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.
Go to site
More Info

Compare up to 4 providers

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