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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||Liberty Mutual|
|JD Power Rankings||Average||Below average|
|Other Products||Allstate||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||Liberty Mutual|
|About||Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.||Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.|
|Roadside Assistance||Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).||Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with 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 such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.|
|Recent Questions||Can you make your child a permissive user in order to get a discount?|
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.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.Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.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
Let's first summarize the two: 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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