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||3 out of 5||3 out of 5|
|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.||Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.|
|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||Can I still be on my parent’s car insurance?|
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...
Can an insurance company force add me to a policy even if I do not drive?
There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...
Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?
My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...
See More Questions
I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...
|Why did my rate increase for a $25 towing claim?|
Can I get a refund for premiums I was forced to pay after accident?
I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...
What’s the difference between a vanishing deductible and accident forgiveness
Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...
Insurer refuses to give me my money back
Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...
See More Questions
On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...
|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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...