Geico vs. Liberty Mutual: Which provider is better?

Geico vs. Liberty Mutual: Which provider is better?

Geico vs. Liberty Mutual

The second-largest insurance company in the US, Geico streamlines the process of purchasing comprehensive car insurance for your peace of mind, making it easy, quick and affordable. And its innovative app allows you to view your policy, submit a claim or even find the cheapest gas in your area.

The older Liberty Mutual is the nation’s seventh-largest provider. Like Geico, it offers roadside assistance and rental reimbursement. And both received 3 out 5 for overall satisfaction in the claims process in J.D. Power’s 2016 survey.

With so many similarities between these two big-name car insurance providers, how do you choose? We pit Geico and Liberty Mutual side by side in order to see who rises to the top.

Geico

Geico

Liberty Mutual

Liberty Mutual

About the providerGeico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.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.
Policy PricePolicy costs depend your personal situation. Visit Geico for a quote based on your specific needs.Policy costs vary. Visit Liberty Mutual for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*N/AN/A
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView 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

Geico

Geico

Liberty Mutual

Liberty Mutual

Good student15% (full-time student, between 16-24 and B average or higher)Varies (under 25, B average or higher)
Defensive driver
Good driverUp to 26% (5 years accident-free)
Pay in full discount
MulticarUp to 25%
MilitaryUp to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts

Federal employee – Up to 8%

Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)

Multi-policy / Multi-line discount – Varies

Membership and employee discount – Varies

Seat belt use – 15% (medical payments or personal injury portion of premium)

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

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Vehicle discounts

Geico

Geico

Liberty Mutual

Liberty Mutual

Anti-theft deviceUp to 25% (comprehensive portion of premium)
Anti-lock brake5% (collision portion of premium)
Passive restraintsN/A
Air bagUp to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts

Hybrid vehicle discount

Adaptive cruise control

Lane-departure warning

Collision preparation systems

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Bottom line

If you’re looking for a good-driver or military discount on your auto insurance, Geico might be the way to go. But if you want to take advantage of a discount for paying in full, then Liberty is the smart choice. Before making a decision about car insurance, always compare your options to find a provider that’s right for you.

Find the cheapest rates

Use our magical comparison tool to find providers offering the cheapest rates in your area.

Your information is secure.

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