State Farm vs. Liberty Mutual: Which provider is better?

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

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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

StateFarm

Liberty Mutual

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

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


Driver discounts

StateFarm

StateFarm

Liberty Mutual

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


Vehicle discounts

StateFarm

StateFarm

Liberty Mutual

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

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 one that best suits your needs.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

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