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Liberty Mutual vs USAA: Who has better car insurance?
Both companies have coverage options at an affordable price, but USAA stands out for stellar customer support.
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Liberty Mutual and USAA are both among the highest-rated auto insurance companies in the US. Liberty Mutual, the nation’s seventh-largest insurance company, gets an A+ from the Better Business Bureau. Liberty Mutual offers a wide range of coverage options and benefits 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 specialized in providing insurance for former and current members of the military and their family members.
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.
Our top pick: USAA
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
- USAA won Finder's best pick for military drivers 3 years in a row
- Some of the lowest rates and highest customer satisfaction
- Geared for military, including overseas car-buying support and flexible payments
- 24/7 online policy management from bills to claims
- Earn dividends from company profits
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|
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|---|---|
| Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button. | Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. |
| All 50 states | All 50 states |
| Optional | Optional |
| Yes | No |
| Yes | Yes |
| Yes | Yes |
| Yes |
Yes |
| Online Phone |
Online Phone |
| 12 months monthly |
12 months 6 months custom |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
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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.
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