Geico vs Liberty Mutual car insurance

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

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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. In our independent study of thousands of rates, we found Geico was $33 cheaper per month on average than Liberty Mutual.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
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


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

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 Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Clearcover
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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