Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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.

Avatar
Roslyn McKenna
Updated . What changed?
Fact checked

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.

Liberty Mutual

Go to site
Read review

USAA

Go to site
Read review

OVERVIEW

 OVERVIEW
About the provider
About the brand Earn free accident forgiveness after five years claims-free and customize your policy anytime. 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 & DC
 All 50 states & DC

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
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
Go to site
Read review
Go to site
Read review

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 Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
More Info
The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Root
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Assurance
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Get quotes
More Info
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site