Picking an auto insurance company can be hard: rates fluctuate by driving history, location, and age, and every company's discounts differ. Allstate and Liberty Mutual are two of the most popular insurers, selling competitively priced insurance policies in most states.
To help simplify the comparison process, we've gathered average prices from Liberty Mutual and Allstate. These take into account an array of rating factors, including credit rating, driving infractions, and demographics. Take a look at these rates and find an affordable policy today.
If you have very poor credit, Allstate could be preferable to Allstate. On average, Allstate offers lower rates than Liberty Mutual for drivers with credit scores of 579 or less. Insurance shoppers with excellent credit — a score of 800 or higher — should lean toward Allstate, which typically beats Liberty Mutual by $49 per year. View common insurance rates by credit tier 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 collision, ticket, reckless driving citation, or DUI offense in your rear view mirror, Liberty Mutual could be a better choice than Allstate. Every insurance company prices its policies differently, so don't be afraid to shop around to understand which insurer is best for you.
|Infraction||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|
Auto insurance companies rely on a driver's age to indicate risk, assigning rates accordingly. An auto insurance policy is often more expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for drivers aged 25 or older. Since every insurance company rates ages uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Allstate over Liberty Mutual: Allstate offers average yearly savings of $117 versusLiberty Mutual.
|Age bracket||Allstate avg. annual premium||Liberty Mutual avg. annual premium|
Aside from finances, Allstate and Liberty Mutual both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||Allstate||Liberty Mutual|
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|Ratings Comparison||Allstate||Liberty Mutual|
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|Other Products||Allstate||Liberty Mutual|
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|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?|
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.See More Questions
|Why did my rate increase for a $25 towing claim?|
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.What's the difference between a vanishing deductible and accident forgiveness
Simply put: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.See More Questions
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|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|