State Farm vs. Liberty Mutual: Which provider is right for you?

State Farm vs. Liberty Mutual

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. That’s why we’ve pitted State Farm and Liberty Mutual side by side so you can make choose the right provider for you.

	StateFarm	Liberty Mutual
About the provider	Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.	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.
Price	Policy costs depend your personal situation	Policy costs depend your personal situation
States served	All 50 states	All 50 states
User satisfaction*	B+	A
J.D. Power ratings**	3/5 on overall claims satisfaction	2/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
	Read Review	Go to site | Read review

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

Driver discounts

	StateFarm	Liberty Mutual
Good student	Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.	Varies (under 25, B average or higher)
Defensive driver
Good driver	Yes (3 years no moving violations or at-fault accidents)
Pay in full discount
Multicar	Up to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts	Driving training – Varies (all operators under 21 complete approved drivers education) Drive Safe & Safe – Enroll in the State Farm app	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
	Read Review	Go to site | Read review

Vehicle discounts

	StateFarm	Liberty Mutual
Anti-theft device
Anti-lock brake
Passive restraints	Up to 40% (medical-related coverage, vehicle made in 1994 or later)
Air bag
Other discounts	Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)	Hybrid vehicle discount Adaptive cruise control Lane departure warning Collision preparation systems
	Read Review	Go to site | Read review

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

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Name	Product	Roadside assistance	New car protection	Available states
Allstate		Included free	Yes, cars under 2 years old	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Go to siteView details	Compare	loading Fetching your data...
Liberty Mutual		Optional	Yes, cars under 1 year old & 15,000 miles	All 50 states	Car insurance through Liberty Mutual will give coverage options for almost any situation.	Go to siteView details	Compare	loading Fetching your data...
Root		Included free	No	AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.	Go to siteView details	Compare	loading Fetching your data...
Esurance		Included free	Yes, cars under 1 year old & 15,000 miles	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.	Go to siteView details	Compare	loading Fetching your data...
Metromile		Optional	Yes, cars under 1 year old & 15,000 miles	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.	Go to siteView details	Compare	loading Fetching your data...

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