Liberty Mutual vs. 21st Century

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Liberty Mutual or 21st Century:
Which Company is Best for You?

Selecting an auto insurance company can be hard: rates fluctuate based on your location, vehicle, and driving record, and every company's discounts differ. Liberty Mutual and 21st Century are among the most popular insurance companies, offering competitively priced policies across many states.

To help simplify the comparison process, we've gathered typical rates from 21st Century and Liberty Mutual. These rates cover an array of rating factors, including credit score, driving infractions, and age. Examine these rates and find an affordable policy today.

Seeking more information? Check out our reviews of Liberty Mutual and 21st Century.


Compare Liberty Mutual vs. 21st Century auto insurance rates


Liberty Mutual vs. 21st Century: pricing by credit score

If you have very poor credit, 21st Century could be the best option for you. Typically, 21st Century offers cheaper prices than Liberty Mutual for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should consider Check out average insurance costs by credit level for 21st Century and Liberty Mutual:

Credit scoreLiberty Mutual avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$3,228$1,363
Fair (580-669)$2,276$1,363
Good (670-739)$2,109$1,657
Very Good (740-799)$1,878$1,363
Exceptional (800-850)$1,792$1,363

Liberty Mutual vs. 21st Century: high-risk insurance rates

If you are saddled with an at-fault accident, speeding violation, reckless driving violation, or DUI offense on your driving record, 21st Century could be a better choice than Liberty Mutual. Every insurer will handle driving offenses differently, so it's worth comparing quotes to find out which insurer suits you.

RATES BY VIOLATION: 21st Century VS. Liberty Mutual
CitationLiberty Mutual avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,776$2,440
At-fault accident (damage > $1,000)$2,112$1,273
Reckless driving$3,459$3,949
Speeding ticket$2,068$1,781

Liberty Mutual vs. 21st Century: rates by age

Auto insurance companies use age as an estimator of risk, assigning rates accordingly. An insurance policy is often expensive for drivers younger than 25 — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age tiers in a different way, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose 21st Century over Liberty Mutual: the former's average annual rates are $1,326 less than the latter's..

RATES BY AGE: 21st Century VS. Liberty Mutual
AgeLiberty Mutual avg. annual premium21st Century avg. annual premium

Affordability aside, Liberty Mutual and 21st Century come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonLiberty Mutual21st Century
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
New Vehicle
Annual Mileage
Ratings ComparisonLiberty Mutual21st Century
Financial Strength GoodExcellent
JD Power Rankings Below averageN/A
User Satisfaction 4.2/54.2/5
Other ProductsLiberty Mutual21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty Mutual21st Century
AboutLiberty 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.21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.
Roadside AssistanceLiberty 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.21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included.
Additional DiscountsLiberty 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.21st Century offers an additional discount for seniors in select states.
Recent QuestionsWhy did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their&nbsp;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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