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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|
|Very Good (740-799)||$1,120||$1,878|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||GEICO||Liberty Mutual|
|JD Power Rankings||3 out of 5||3 out of 5|
|Other Products||GEICO||Liberty Mutual|
|Travel Trailer 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||Can I get accident forgiveness after an accident?|
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|Compare More||GEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. Safe Auto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAA||Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate 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. 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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