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Deciding on a car insurer is difficult: rates fluctuate based on your location, vehicle, and driving record, and every company's discounts vary. Allstate and Liberty Mutual are two of America's top car insurance companies, providing competitively priced coverage across many states.
To simplify the comparison process, we have gathered typical rates from Liberty Mutual and Allstate. The below rates cover an array of pricing components, including credit rating, driving history, and age. Examine these figures and find the right policy for you.
If you have very poor credit, Allstate could be the way to go. Typically, Allstate offers lower prices than Liberty Mutual for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800 or higher — should consider Allstate, which typically beats Liberty Mutual by $49 per year. View average insurance rates by credit level for Liberty Mutual and Allstate below.
|Credit level||Allstate avg. annual premium||Liberty Mutual avg. annual premium|
|Very Poor (300-579)||$3,117||$3,228|
|Very Good (740-799)||$1,820||$1,878|
If you are saddled with an at-fault crash, speeding violation, reckless driving violation, or DWI on your driving résumé, Liberty Mutual could be a better choice than Allstate. Every insurer prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.
|Violation||Allstate avg. annual premium||Liberty Mutual avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$2,776|
|At-fault accident (damage > $1,000)||$2,290||$2,112|
Insurance companies use age to estimate risk, pricing premiums on a sliding scale. Auto insurance is usually more expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and more affordable for older drivers. Since every insurance company prices age brackets differently, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Allstate instead of Liberty Mutual: Allstate offers average yearly savings of $117, compared to Liberty Mutual.
|Age||Allstate avg. annual premium||Liberty Mutual avg. annual premium|
Affordability aside, Allstate and Liberty Mutual each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Allstate||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||Liberty Mutual|
|JD Power Rankings|
|Other Products||Allstate||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||Liberty Mutual|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.|
|Roadside Assistance||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||Liberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.|
|Additional Discounts||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.|
|Recent Questions||Do I have to list my spouse as a driver?|
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|Compare More||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA||Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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