Liberty Mutual vs. USAA: Which provider should you choose?

Liberty Mutual vs. USAA

Liberty Mutual and USAA are both one of 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. 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. With an insurance policy through Liberty Mutual, you can enjoy coverage options and benefits, all at an affordable price.

USAA was founded on its mission to proudly serve our military. The company has been providing insurance for former and current members of the military and their family members since 1922. Like Liberty, USAA also offers affordable insurance, through driver discounts and vehicle discounts. Because Liberty and USAA have so many similarities, we’ve lined up the two side by side to make choosing one easier for you. Check out the pros and cons of each provider below.

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

Driver discounts

	Liberty Mutual	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
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Vehicle discounts

	Liberty Mutual	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)
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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.