Allstate is the fourth largest company in auto insurance market share. For drivers with complex needs, Allstate is a great option due to its extensive coverage options and wide geographic availability. However, rates tend to be a bit more expensive than those of some other comparable companies.
Allstate or Liberty Mutual: Which company is best for you?
Allstate and Liberty Mutual are among the most well-known insurance companies in the United States. Both companies have coverage options that will satisfy the needs of most customers — but which one is right for you? Have a look at our in-depth comparison to see which company comes out on top for car and home insurance.
Allstate car insurance
Liberty Mutual car insurance
Liberty Mutual is a popular insurance carrier that provides a number of bundling options. Available coverage types are similar to those offered by most other major insurance companies, and it also offers a wide variety of discount options. However, Liberty Mutual receives a higher number of customer complaints than many competitors.
Allstate vs. Liberty Mutual: car insurance rate comparison
Car insurance rates are determined by a number of factors, including where you live, your driving history and even your credit score (a factor in almost all states). Both Allstate and Liberty Mutual weigh these factors differently, meaning that you are very likely to get a different quote from each company.
To give you a sense of how Allstate and Liberty Mutual insurance rates compare rates, we've put together average rates based on a few different factors. Have a look at the figures below to get a sense of which company could be most affordable for you.
We found that Liberty Mutual was more affordable than Allstate, with an average cost of $144 per month. Allstate's average premium was $170 per month.
Allstate vs. Liberty Mutual: pricing by credit score
If you have very bad credit, Allstate could be better for saving. On average, Allstate offers cheaper premiums than Liberty Mutual for drivers at every credit level. Check out average insurance costs by credit tier for Liberty Mutual and Allstate below.
RATES BY CREDIT LEVEL: LIBERTY MUTUAL VS. ALLSTATE
|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|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Allstate vs. Liberty Mutual: rates for high-risk drivers
If you have an at-fault accident or speeding violation on your driving record, Liberty Mutual could be a better choice for saving. Allstate was cheaper for drivers with a recent DUI/DWI or reckless driving citation. Every car insurance company prices policies differently after a violation, so don't be afraid to shop around.
RATES BY CITATION: LIBERTY MUTUAL VS. ALLSTATE
|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|
Allstate vs. Liberty Mutual: rates by age
Auto insurance companies use a driver's age as an indicator of potential risk and price policies accordingly. Car insurance is commonly priciest for young drivers under the age of 25 — due to their relative inexperience compared to older drivers. Because every car insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Allstate, which we found was slightly more affordable than Liberty Mutual. Allstate was also cheapest for drivers in their 20s to 40s, while Liberty Mutual could provide more savings for drivers in their 50s and 60s.
RATES BY AGE: LIBERTY MUTUAL VS. ALLSTATE
|Age bracket||Allstate avg. annual premium||Liberty Mutual avg. annual premium|
Cost aside, Allstate and Liberty Mutual each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons and financial stability. Dive into the data before making your decision and be sure to shop around and compare rates before purchasing a policy.
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Ratings comparison: Allstate vs. Liberty Mutual
When trying to choose an insurance company, it's important to take a look at how these insurers are rated by third-party organizations to get a fair assessment of the service you can expect to receive. We've compiled a list to compare recent ratings from each company below, including scores for financial strength, customer complaints and overall customer satisfaction.
|Ratings comparison||Allstate||Liberty Mutual|
|Financial strength (A.M. Best)||Excellent||Good|
|JD Power (claims satisfaction)||Average||Average|
|JD Power (customer satisfaction)||Average||Above average|
|The Zebra's editorial review score||4/5||3/5|
|The Zebra's Customer Satisfaction Survey||4.3/5||4.2/5|
The Zebra's Customer Satisfaction Survey
To get a better sense of how the overall customer experience, The Zebra conducted an independent survey taking a look at many different factors. Below you'll find each company's results.
Allstate came in eighth place overall for car insurance with a score of 4.3. Highlights of the survey included:
- Scored sixth place for Trustworthiness
- Preferred by older drivers
- Struggled with Claims Satisfaction
Liberty Mutual came in near the bottom of our survey of fifteen carriers, placing at number fourteen. However, with a score of 4.2, Liberty Mutual wasn't far from its nearest competitors and placed better in some categories. Below are some highlights.
- Scored well in Online Satisfaction (4.3)
- Older drivers rated the company higher
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.
Allstate vs. Liberty Mutual: discount comparison
Discounts on car insurance are usually quite small but they can add up to sizable savings, making it a good way for eligible drivers to save money on their premiums. See each company's available discount selections below. Note that discount availability may vary by state and other factors.
|Discount comparison||Allstate||Liberty Mutual|
|Anti-lock brake system||✓||✓|
|Student away at school||✓||✓|
|Affinity membership alum|
|Pay in full||✓||✓|
|eSign or ePay|
Liberty Mutual and Allstate offer a similar number of discount opportunities. Keep in mind that even with discounts, another company may have a cheaper car insurance quote for you. If unsure, ask a representative about which discounts for which you may qualify.
Telematics options: Allstate vs. Liberty Mutual
For safe drivers, enrolling in a telematics program can translate to savings. Telematics programs use technology to help track your driving habits and set a rate based on its findings on the way you drive, and in some cases, mileage.
Both Allstate and Liberty Mutual offer telematics options. Have a look at the options available from both companies below.
Allstate Drivewise relies on a mobile app to track customers' driving. In addition to receiving 3% cashback for signing up, drivers can potentially earn discounts and rate reductions by driving safely. Allstate's app is available to both policyholders and "non-customers" alike to view driving data and receive feedback.
In Allstate's pay-per-mile insurance program, Milewise, mileage is tracked using a plug-in device and could benefit low mileage drivers. Allstate plans to expand Milewise to additional locations.
Liberty Mutual's telematics program, RightTrack, follows your driving habits to help determine your rates. The company claims users can save as much as 30% off their rate. The app has a score of 4.5 on the Apple Store and a score of 4.0 on Google Play.
Liberty Mutual ByMile is another app offering from the company that is aimed at low-mileage drivers. Sometimes called pay-per-mile — or usage-based — insurance, this program tracks the number of miles driven and customizes rates based on how much you drive. The app currently receives a 4.3 on the Apple Store and a 4.0 on Google Play.
Roadside assistance: Allstate vs. Liberty Mutual
A roadside assistance program can be a great safety net to have in case of emergencies. Below you can find a quick rundown of the roadside assistance options offered by both Allstate and Liberty Mutual.
Allstate offers three levels of roadside service alongside or separately from an Allstate insurance policy. Annual roadside membership plans and pay-per-use plans are available. 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 featuring the following:
- Jump starts
- Fuel delivery
- Lockout services
- Flat-tire changes
Allstate vs. Liberty Mutual: home insurance
Both Allstate and Liberty Mutual offer home insurance that can be bundled with car insurance. Allstate comes in second place in market share for homeowners insurance, while Liberty Mutual comes in fourth. While both companies will offer sufficient coverage options, price points and other benefits may differ. See our analysis below to find out which company might be the best fit for your home insurance needs.
Allstate homeowners insurance review
In The Zebra's customer satisfaction survey of 15 popular homeowners insurance companies, Allstate finished in ninth place. Allstate's home insurance is expensive than other similar home insurance companies. The higher-than-average price of an Allstate policy could be worth it if good customer service and efficient claims processing are important to you.
While Allstate doesn't have the longest list of home insurance discounts, the company offers a number of add-on coverages.
- The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
- Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
- Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's most recent study of customer satisfaction.
- Financial strength — Excellent: Allstate's finances earn an A+ from A.M. Best.
- NAIC Rating — Above Average: Allstate's home insurance received fewer customer complaints than the national median.
Liberty Mutual homeowners review
Liberty Mutual maintains a variety of home insurance coverage options, including flexible add-ons and endorsements. This makes the carrier a worthwhile option for those with unique coverage needs. Liberty Mutual placed eighth overall in The Zebra's Customer Satisfaction Survey for home insurance, and may not be the best company in terms of customer service.
- The Zebra Customer Satisfaction Survey — 4.3/5: Liberty Mutual received a 4.3 out of 5 in The Zebra's survey of customer satisfaction.
- Claims satisfaction (J.D. Power Rating) — Below average: In J.D. Power's most recent property claims satisfaction report, Liberty Mutual came in below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Liberty Mutual fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Good: According to AM Best, Liberty Mutual's financial outlook was rated at an "A".
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Liberty Mutual's homeowners insurance, falling just below the national complaint index.
Allstate vs. Liberty Mutual: home insurance rate comparison
Allstate's average homeowners insurance rate is around $133 per month, while Liberty Mutual's monthly cost is less, at about $118.
Similar to auto insurance quotes, each company has its own underwriting methods for homeowners insurance. This means your rates are highly likely to vary from one company to another. Learn more about the factors insurers use to price your home insurance quote.
Things such as your claims history, crime rates in your area and your proximity to fire stations can have a big impact on how much you pay. As with car insurance shopping, we suggest getting quotes from many different companies when looking for home insurance policies.
According to our data, Liberty Mutual costs $118 per month, making it the more affordable option.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Allstate vs. Liberty Mutual: homeowners discount comparison
Homeowners insurance discounts are a good way to chip away at the cost of your premium. To be eligible for such discounts, policyholders must meet certain criteria. See how the homeowners discounts from Allstate and Liberty Mutual stack up below.
|Discount comparison||Allstate||Liberty Mutual|
|Recent home buyer||✓||✓|
|Newer/more durable roof||✓|
|Protective devices (smoke/burglar alarms, etc.)||✓||✓|
|Paid in full||✓|
Other insurance products and bundling options
Allstate and Liberty Mutual offer a variety of insurance products, along with the option to bundle policies for extra savings. Compare product offerings from the two carriers below.
|Other products||Allstate||Liberty Mutual|
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓||✓|
Find the best insurance policy for your needs.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.