Selecting a car insurance company can be complicated: companies' rates may vary by location, vehicle, and driving record, and every company provides a different set of discounts. Liberty Mutual and Allied are counted among America's most popular insurance companies, providing high-quality policies in most states.
To make insurance shopping seamless, we've gathered average policy prices from Allied and Liberty Mutual. These cover an array of rating factors, including credit rating, driving behavior, and age. Check out the below rates and find the right policy for you.
If you have very bad credit, Allied could be the way to go. Typically, Allied offers more affordable prices than Liberty Mutual for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should favor Check out typical insurance rates by credit score for Allied and Liberty Mutual below.
|Credit level||Liberty Mutual avg. annual premium||Allied avg. annual premium|
|Very Poor (300-579)||$3,228||$1,483|
|Very Good (740-799)||$1,878||$920|
If you're carrying an at-fault crash, ticket, reckless driving citation, or DUI on your record, Allied could be a better choice than Liberty Mutual. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to understand which insurance company suits you.
|Infraction||Liberty Mutual avg. annual premium||Allied avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$1,662|
|At-fault accident (damage > $1,000)||$2,112||$1,221|
Insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. Insurance is often more expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every car insurance company rates age brackets in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Allied before Liberty Mutual: the former's average annual rates are $3,033 less than the latter's..
|Age||Liberty Mutual avg. annual premium||Allied avg. annual premium|
Cost aside, Liberty Mutual and Allied both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Liberty Mutual||Allied|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||Allied|
|JD Power Rankings||Average||N/A|
|Other Products||Liberty Mutual||Allied|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||Allied|
|About||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.||Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.|
|Roadside Assistance||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.||Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.|
|Additional Discounts||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.||Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.|
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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