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Geico vs Liberty Mutual car insurance

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

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Julia Cameron
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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

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Liberty Mutual

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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.


Powered by a 3rd party partner Insure.com

 Earn free accident forgiveness after five years claims-free and customize your policy anytime.
States served
States served All 50 states
 All 50 states & DC

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
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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 Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
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Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Branch
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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