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Geico vs Liberty Mutual car insurance

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Geico vs. Liberty Mutual: Who has better car insurance?

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.

Geico’s probably your top contender if you want the absolute lowest rates, but Liberty Mutual offers more in the way of coverage, customer support, perks and more.

  • 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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Promoted
Geico

Geico

 Liberty Mutual

Liberty Mutual
About the provider Geico’s been around since 1936 as 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 Price Policy 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 served All 50 states All 50 states
User satisfaction* N/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

Geico

Geico

 Liberty Mutual

Liberty Mutual
Good student 15% (full-time student, between 16-24 and B average or higher) Varies (under 25, B average or higher)
Defensive driver
Good driver Up to 26% (5 years accident-free)
Pay in full discount
Multicar Up to 25%
Military Up 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 device Up to 25% (comprehensive portion of premium)
Anti-lock brake 5% (collision portion of premium)
Passive restraints N/A
Air bag Up 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.

Compare alternatives to Geico and Liberty Mutual

Name Product Roadside assistance New car protection Accident forgiveness Available states
Progressive
Progressive
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.
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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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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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Liberty Mutual
Liberty Mutual
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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More Info
Root
Root
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.
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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.
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The General
The General
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
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