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State Farm vs Liberty Mutual car insurance

State Farm vs Liberty Mutual: Who has better car insurance?

Updated

Fact checked

Liberty Mutual is the nation’s seventh-largest insurance provider, and got a 2 out of 5 in overall satisfaction in J.D. Power’s 2017 Auto Insurance Study and a 3 out of 5 in some parts of the country. With an insurance policy through Liberty Mutual, you can enjoy coverage options, benefits and discounts — all at an affordable price. Roadside assistance is also included.

Like Liberty Mutual, State Farm also offers roadside assistance. And you can expect discounts for anti-lock brakes and adaptive cruise control, as well as cost savings for multi-car policies. With so many similarities between the two, it can be hard to decide which provider to select.

Both providers offer tons of discounts, but Liberty Mutual may be the right pick for you if you value wide coverage and customer support.

Our top pick: Liberty Mutual

Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
Promoted
 

State Farm

Liberty Mutual

OVERVIEW

OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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 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
6 months
Monthly
12 months
monthly

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 No Yes
Multi car discount
Multi car discount Yes, Up to 20% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes, Up to 25% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

In overall discounts, State Farm ekes out ahead. But if those discounts don’t apply to your situation, then there’s no benefit to you. Be sure to keep in mind your personal situation when reviewing the pros and cons of each provider so you can choose the car insurance that best suits your needs.

Compare alternatives to State Farm and Liberty Mutual

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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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