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

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

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.
PricePolicy costs depend your personal situation. Visit StateFarm for a quote based on your specific needs.Policy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*B+A
J.D. Power ratings**3/5 on overall claims satisfaction2/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView 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 studentUp 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 driverYes (3 years no moving violations or at-fault accidents)
Pay in full discount
MulticarUp 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

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Vehicle discounts

StateFarm

StateFarm

Liberty Mutual

Liberty Mutual

Anti-theft device
Anti-lock brake
Passive restraintsUp 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

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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.

Compare all car insurance companies at once

Compare 7+ car insurance companies. Enter your ZIP code below and click ‘Compare Now’ to begin.

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