State Farm vs Liberty Mutual car insurance

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

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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.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.

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

State Farm

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


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


Driver discounts

StateFarm

State Farm

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

State Farm

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 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
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
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.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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