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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

Liberty Mutual

USAA

OVERVIEW

OVERVIEW
About the provider
About the brand 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.
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 No
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
Online
Phone
Payment schedule
Payment schedule 12 months
monthly
12 months
6 months
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount Yes Yes
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount Yes Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

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 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.
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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