GEICO vs Liberty Mutual Car Insurance

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GEICO or Liberty Mutual:
Which Company is Best for You?

Choosing a car insurance company can be tough: companies' rates differ by driving history, age, and location, and companies offer an array of perks. GEICO and Liberty Mutual are two of the most popular insurers, providing competitively priced policies in many states.

In an effort to simplify the comparison process, we've collected average rates from Liberty Mutual and GEICO. These rates cover a variety of pricing components, including credit rating, driving history, and age. Examine these rates and find an affordable policy today.

Want to learn more? Read our full reviews of GEICO and Liberty Mutual.


GEICO vs. Liberty Mutual: premium comparison


GEICO vs. Liberty Mutual: rates by credit level

If you have very poor credit, GEICO could be the way to go. On average, GEICO offers more affordable rates than Liberty Mutual for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should consider GEICO, which typically beats Liberty Mutual by $728 per year. View common insurance rates by credit level for Liberty Mutual and GEICO below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Liberty Mutual VS. GEICO
Credit scoreGEICO avg. annual premiumLiberty 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

GEICO vs. Liberty Mutual: high-risk driver rates

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, GEICO could be a better choice than Liberty Mutual. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.


RATES BY VIOLATION: Liberty Mutual VS. GEICO
ViolationGEICO avg. annual premiumLiberty 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

GEICO vs. Liberty Mutual: rates by age

Insurance companies use a driver's age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose GEICO instead of Liberty Mutual: GEICO offers average yearly savings of $3,051, compared to Liberty Mutual.


AGE BRACKET INSURANCE RATE COMPARISON: Liberty Mutual VS. GEICO
Age tierGEICO avg. annual premiumLiberty 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 both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonGEICOLiberty 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 ComparisonGEICOLiberty Mutual
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOLiberty Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOLiberty Mutual
AboutGeico 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 AssistanceYou 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 DiscountsGeico 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 QuestionsWhat 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 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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GEICO vs Liberty Mutual

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