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

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Geico vs Liberty Mutual car insurance

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

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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
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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.

Geico

Liberty Mutual

OVERVIEW

OVERVIEW
About the provider
About the brand 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.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Agent
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No Yes
Military discount
Military discount Yes, up to 15% Yes
Multi car discount
Multi car discount Yes, up to 25% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Yes, Varies by state Yes
Special employment discount
Special employment discount Yes Yes
Student discount
Student discount Yes, up to 15% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

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
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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