Our top pick: Liberty Mutual
- 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
The choice between Geico vs. Liberty Mutual comes down to cheap rates or extra perks. Geico’s your top contender for car insurance if you want the lowest rates. Geico costs around $400 less per year than Liberty Mutual, according to our independent analysis using rates from multiple ZIP codes. Yet Liberty Mutual offers more in the way of coverage and perks like better car replacement or a lower deductible for staying claim-free.
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Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. | Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button. |
All 50 states | All 50 states |
Optional | Optional |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes |
Yes |
Online Phone Agent |
Online Phone |
12 months 6 months custom |
12 months monthly |
Yes, up to 25% | Yes |
Varies | Yes |
No | Yes |
Yes, up to 15% | Yes |
Yes, up to 25% | Yes |
Yes | Yes |
Yes, up to 15% | Yes |
Yes, Varies by state | Yes |
Yes | Yes |
Yes, up to 15% | Yes |
No | Yes |
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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.
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