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 | 3 out of 5 | 3 out of 5 |
| 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 | Can I get accident forgiveness after an accident? I had an accident in February at a two-way intersection where I had stopped and entered into the intersection and ... In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ... My car was hit while parked, there is a scratch and dent. If I report it will it affect my ... Not further question.... | Why did my rate increase for a $25 towing claim? I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ... Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ... Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ... On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ... |
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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 |
