Picking a car insurance company can be tough: rates may vary by driving record, location, and age, and every company's discounts vary. GEICO and Liberty Mutual are two of the most popular insurance companies, selling high-quality policies in most states across the US.
To simplify the comparison process, we have collected average policy prices from Liberty Mutual and GEICO. The below cover a number of rating factors, including credit history, driving infractions, and age. Take a look at these rates and find the perfect policy for you.
If you have very poor credit, GEICO could be the best option for you. Typically, GEICO offers more affordable rates than Liberty Mutual for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should favor GEICO, which typically beats Liberty Mutual by $728 per year. View common insurance rates by credit tier for Liberty Mutual and GEICO below.
| Credit level | GEICO avg. annual premium | Liberty Mutual avg. annual premium |
| Very Poor (300-579) | $2,051 | $3,228 |
| Fair (580-669) | $1,358 | $2,276 |
| Good (670-739) | $1,485 | $2,109 |
| Very Good (740-799) | $1,120 | $1,878 |
| Exceptional (800-850) | $1,064 | $1,792 |
If you're carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI offense in your rear view mirror, GEICO could be a better choice than Liberty Mutual. Every insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer is best for you.
| Violation | GEICO avg. annual premium | Liberty Mutual avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | $2,776 |
| At-fault accident (damage > $1,000) | $1,580 | $2,112 |
| DUI/DWI | $2,550 | $4,182 |
| Reckless driving | $2,238 | $3,459 |
| Speeding ticket | $1,395 | $2,068 |
Auto insurance companies rely on a driver's age to indicate risk, pricing premiums accordingly. Car insurance is usually priciest for teens — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company rates ages differently, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose GEICO before Liberty Mutual: GEICO offers average yearly savings of $3,051, compared to Liberty Mutual.
| Age | GEICO avg. annual premium | Liberty Mutual avg. annual premium |
| Teens | $3,508 | $6,559 |
| 20s | $1,438 | $2,686 |
| 30s | $1,218 | $2,686 |
| 40s | $1,189 | $1,926 |
| 50s | $1,160 | $1,793 |
| 60s | $1,065 | $1,746 |
Aside from finances, GEICO and Liberty Mutual each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | GEICO | Liberty Mutual |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | GEICO | Liberty Mutual |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | GEICO | Liberty Mutual |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | GEICO | Liberty Mutual |
|---|---|---|
| About | Geico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers. | "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 | You can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire. | 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 | Geico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness. | Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated. |
| Recent Questions | What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off? The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route. My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask. Can I get accident forgiveness after an accident?I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven. Does State Farm match auto insurance quotes with other companies?In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. 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 forgivenessSimply 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 backI 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 |
