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.
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.
|Credit score||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 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.
|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|
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 tier||GEICO avg. annual premium||Liberty Mutual avg. annual premium|
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 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||Above average||Below average|
|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.||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||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 purchase of optional Towing & Labor coverage.|
|Additional Discounts||GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness.||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||I made two claims last year. Should I file a third?|
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.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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