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

Liberty Mutual vs USAA car insurance

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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
Promoted
Liberty Mutual

Liberty Mutual

USAA

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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* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

Liberty Mutual

Liberty Mutual

USAA

USAA

Good student Varies (under 25, B average or higher)
Defensive driver
Good driver Good driving record for more than 5 years
Pay in full discount
Multicar
Military
Homeowner
Other discounts 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

Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21


Vehicle discounts

Liberty Mutual

Liberty Mutual

USAA

USAA

Anti-theft device
Anti-lock brake
Passive restraints N/A
Air bag
Other discounts Hybrid vehicle discount Adaptive cruise control Lane departure warning Collision preparation systems New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)

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.

Compare alternatives to Liberty Mutual and USAA

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
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. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

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