Liberty Mutual vs USAA: Who has better car insurance?
Liberty Mutual and USAA are both among the highest rated auto insurance providers in the US.
Liberty Mutual, the nation’s seventh-largest insurance provider, gets and A+ from the Better Business Bureau. With an insurance policy through Liberty Mutual, you can enjoy coverage options and benefits, all at an affordable price.
Like Liberty Mutual, USAA also receives an excellent grade from the BBB, along with an almost unheard of 5 out of 5 rating from J.D. Power. USAA has been providing insurance for former and current members of the military and their family members since 1922.
USAA’s stellar rates and customer support make it the best pick for military-affiliated drivers, but Liberty Mutual’s still a solid contender if you don’t qualify for USAA.
- 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
 Liberty Mutual |
 USAA |
|
|---|---|---|
| About the provider | 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. | Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more. |
| Price | Policy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs. | Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs. |
| States served | All 50 states | All 50 states |
| User satisfaction* | A | A+ |
| J.D. Power ratings** | 2/5 on overall claims satisfaction | 5/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
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Bottom line
If you’ve served in the military or are currently serving, or if you qualify through a family member, USAA is by far the clear winner. With a 5 out of 5 rating from J.D. Power and an A+ from the BBB, its customer service can’t be beat. And its many discounts make car insurance affordable. But if you don’t qualify for insurance through USAA, Liberty Mutual is a solid choice.
If neither one’s right for you, compare car insurance options to find the best policy for you.